- Applicants can avail Home Credit personal loans at attractive interest rates to meet various personal financial needs.
- Applicants who apply through the Paisabazaar platform can experience a seamless digital loan process and end-to-end expert assistance.
- The applicant’s loan approval varies with his/her repayment capacity and creditworthiness.
- Home Credit personal loans require minimal documentation, no collateral/security and are disbursed within a few hours.
- These personal loans come with zero hidden charges and can be repaid over a flexible tenure.
Home Credit Personal Loan

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Filters
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2.5%
Max. Loan Amount₹2 Crore
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹4999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹40 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate9.99% onwards
Processing Fees₹12999+GST
Max. Loan Amount₹50 Lakh
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
Processing Time1 - 2 Days
Interest Rate10% onwards
Processing FeesUpto 1.2%
Max. Loan Amount₹75 Lakh
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
Processing Time1 - 2 Days
Interest Rate9.99% onwards
Processing FeesUpto 2%
Max. Loan Amount₹1 Crore
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh
Processing Time3 - 5 Days
Interest Rate17% onwards
Processing FeesUpto 4%
Max. Loan Amount₹50 Lakh
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About Home Credit Personal Loan
Home Credit Personal Loan Highlights
| Interest rates | 1.6% per month onwards |
|---|---|
| Loan amount | Rs. 10,000 – Rs. 4.80 lakh |
| Tenure | 9 months to 60 months |
| Minimum Income | Rs 10,000 |
| Processing fees | Up to 5% of the loan amount + applicable charges |
| Foreclosure fee | Nil |
Note: Rates as of 9 December 2025.
Home Credit Personal Loan Interest Rate
Home Credit Personal Loan Interest Rate start from 1.6% per month. The final personal loan interest rate offered would depend on various factors including the borrower’s occupation profile, age, income, etc. However, the lender has not disclosed the interest rate for Home Credit Flexible Loan.
Home Credit Personal Loan Fees and Charges
Processing fee
| Personal Loan | 0-5% of the loan amount + GST |
| Annualized Percentage Rate ( APR) | Between 19.5% – 48% |
Late Payment Charges (Home Credit Personal Loan)
| Days Past Due | 1 day | 30 days | 60 days | 90 days | 120 days | 150 days | 180 days |
| Charges | Rs 550 | Rs 600 | Rs 650 | Rs 750 | Rs 750 | Rs 750 | Rs 750 |
| Total Late Payment Charges | Rs 550 | Rs 1150 | Rs 1800 | Rs 2550 | Rs 2850 | Rs 3300 | Rs 4800 |
Note:
- Additional fees will be levied for Value Added Services (if opted).
- The annual interest rates and processing fees may vary based on the risk profile of the customers.
Late Payment Charges (Home Credit Flexible Personal Loan)
| Days Past Due | Outstanding Principal Amount | |||
|---|---|---|---|---|
| Less than or equal to ₹ 5,000 | More than ₹ 5000 | |||
| Late Payment Charges | Total Late Payment Charges | Late Payment Charges | Total Late Payment Charges | |
| 1 Day | ₹ 200 | ₹ 200 | ₹ 550 | ₹ 550 |
| 30 Days | ₹ 300 | ₹ 500 | ₹ 600 | ₹ 1150 |
| 60 Days | ₹ 400 | ₹ 900 | ₹ 650 | ₹ 1800 |
| 90 Days & Above | ₹ 500 | ₹ 1400 | ₹ 750 | ₹ 2550 |
| 120 Days | ₹500 | ₹1900 | ₹750 | ₹3300 |
| 150 Days | ₹500 | ₹2400 | ₹750 | ₹4050 |
| 180 Days | ₹500 | ₹2900 | ₹750 | ₹4800 |
Note: In case of non-payment, Late Payment Charges will be levied on the total outstanding principal amount of the loan.
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Types of Home Credit Personal Loans
Home Credit Flexible Personal Loan
Home Credit Personal Loan for Travel
Home Credit Personal Loan for Medical Emergencies
Home Credit Personal Loan for Marriage
Home Credit Personal Loan for Small Businesses
Home Credit Personal Loan for Home Renovation
Home Credit Personal Loan for Education
Home Credit Personal Loan for Self-employed
Value added services offered by Home Credit:
Eligibility Criteria for Home Credit Personal Loan
In addition to the above-mentioned eligibility criteria, Home Credit may also consider the credit score, occupation profile, employer’s profile, etc of its personal loan applicants, as used by many lenders for evaluating the personal loan eligibility of their applicants.
Documents Required for Home Credit Personal Loan
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Personal Loan Articles
View All ArticlesPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
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Get up to ₹50 Lakhs starting at 9.98%*








