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InCred Personal Loan Highlights |
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| Interest rates | 13.99% p.a. onwards |
| Loan amount | Up to Rs 10 lakhs |
| Loan tenure | Up to 5 years |
| Preclosure Charges | Applicable as per the loan agreement |
Note: Interest Rates as of 30 May 2025
Table of Contents
InCred Personal Loan Interest Rates
InCred Personal Loan interest rates (fixed) start at 13.99% p.a. Although InCred has not disclosed offering different personal loan interest rates for its loan applicants based on their credit scores, monthly income, occupation profile, employer’s profile, etc., most lenders consider these factors while setting the personal loan interest rates of their loan applicants.
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Compare Interest Rate for Personal Loans from Top Banks and NBFCs
| Banks/NBFCs | Interest Rates(p.a.) |
| Bajaj Finance | 10% - 31% p.a. |
| Axis Bank | 9.99% onwards |
| IndusInd Bank | 10.49% onwards |
| IDFC First Bank | 10.99% onwards |
| HDFC Bank | 10.85% onwards |
| ICICI Bank | 10.80% onwards |
| Kotak Mahindra Bank | 10.99% onwards |
| Tata Capital | 11.99% onwards |
| Federal Bank | 11.49% onwards |
| DMI Finance | Up to 24% |
| L&T Finance | 11.00% onwards |
| Kreditbee | 16.00% - 29.95% |
| MoneyTap | 13.00% onwards |
| Piramal Finance | 12.90% onwards |
| Aditya Birla | 10.99% onwards |
| Moneyview | 14%-36% |
| Cashe | 33.50% onwards |
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Fees and Charges for Availing InCred Personal Loan
The personal loan processing fees and other charges for availing InCred Personal Loan are as follows:
| Loan Product | Interest rates (p.a.) |
| Preclosure Charges |
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Eligibility Criteria for Availing InCred Personal Loan
The personal loan eligibility criteria set for loan applicants availing InCred Personal Loans are as follows:
- Resident Indian
- Age: 21 to 55 years
- Minimum monthly income of Rs 15,000
InCred Personal Loan Documentation Required
The personal loan documents required for loan applicants availing InCred Personal Loans are mentioned below:
- PAN card
- issued ID proof like Aadhaar card, Voter’s Identity Card, Driving License and Passport
- Bank statements of the last 3 months
- Income proof documents
Note: InCred may ask its loan applicants to provide additional home loan documents, if necessary, based on the loan applicant’s profile.
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