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InCred Personal Loan

InCred Financial Services Ltd., formerly known as KKR India Financial Services Ltd., offers personal loans @ 13.99% p.a. onwards for loan amounts of up to Rs 10 lakhs and repayment tenures of up to 5 years. The non-banking financial company (NBFC) offers InCred Personal Loans to loan applicants for taking care of expenses related to wedding, travel, medical emergencies, purchasing consumer durables, etc. InCred claims to offer personal loans with 100% online loan processing and disbursal.
Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

4.5/5

15.6L Reviews

5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
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Fully Digital Borrowing Process

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Highest Approval Chances

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End-to-End Expert Assistance

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Loan Disbursal in 15 minutes

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee6,500
ICICI Bank
100% Digital Process*Quick Disbursal
Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
Tenure upto1-5 Years
Processing FeeUpto 2%
Axis Bank
Low Processing fee
Max Loan Amt.Upto 25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Apply Now

About InCred Personal Loan

  • InCred offers personal loans at competitive rates to meet personal financial requirements.
  • Applicants can experience a completely digital, end-to-end personal loan journey on the Paisabazaar platform.
  • Both self-employed and salaried applicants can apply for the InCred personal loan in case their net monthly income exceeds Rs. 15,000.
  • The loan approval is based on the repayment capacity and creditworthiness of the applicant.
  • These loans are collateral-free, require minimal documentation and offer flexible end-usage.

InCred Personal Loan Highlights

Interest Rates 16% p.a. onwards
Loan Amount Up to Rs. 15 lakh
Loan Tenure Up to 5 years
Preclosure Charges Applicable as per the loan agreement

InCred Personal Loan Interest Rates

InCred Personal Loan interest rates (fixed) start at 16% 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.

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
  • Applicable as per the loan agreement
  • Loan applicants can prepay their personal loans anytime within the loan tenure after paying their 6th EMI. No part-prepayment permitted.

Avail Personal Loan for
All Your Needs

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Avail Personal Loan for
All Your Needs

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 60 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.

How Can I Apply for a Personal Loan Online?

Get up to 40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Apply Now

Avail Personal Loan for
All Your Needs

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Avail Personal Loan for
All Your Needs

FAQs

The maximum loan amount that you can avail on your InCred Finance personal loan is Rs. 15 lakh, subject to your eligibility.

The current interest rate for InCred personal loan starts at 16% p.a. and may go up to 60% p.a. However, the interest rate offered may vary based on the applicant’s credit profile.

You can avail an InCred personal loan either through the official website of InCred Finance or via Paisabazaar.com.

You can use your InCred personal loan for various purposes like medical emergencies, travel expenses, weddings, or consolidating debts. These loans are offered to meet personal financial needs and come with no end-use restrictions.

InCred personal loans are usually disbursed within 15 days.

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What our customers say

Smooth & hassle-free loan approval experience

I want to express my gratitude for your exceptional support & guidance throughout my loan application process to Aman (EW17239). Your professionalism & clear communication made the journey smooth and manageable. I appreciate how you helped during loan approval & fast-tracked the documentation. It is rare to find someone so committed to their clients. I truly value the effort you put into ensuring a successful outcome. Thanks again for your invaluable help.

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Sanjay Kumar GuptaMar 30, 2026

Exceptional guidance throughout the process

I’d like to express my sincere appreciation for Mr. Aman Kumar (EW32023) for the excellent assistance provided. His professionalism & willingness to help made the experience smooth & pleasant. Aman Kumar demonstrated patience & clarity while addressing queries and ensured that everything was handled efficiently. Such dedication & customer-focused service truly deserve recognition. Please convey my thanks and appreciation to him for his outstanding support.

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Jyotirmoy SinghaMar 23, 2026

Very helpful and easy to reach

I really wants to appreciate Mohankumar Dhandapani for closing my loan requirement in such a short time and nice manner. He is very much approachable helped me based on my requirements. He explained me all the options in very short time even one option failed immediately helped me to get other options worked. Excellent job done by Mohankumar Dhandapani all the best keep you same way approachable you will get more customers. Thanks to Paisabazar too.

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Kirubagaran GanesanFeb 24, 2026

Reliable help when i needed it most

I am writing this email to express my sincere thanks for your excellent support and guidance on Paisabazaar. My experience was very smooth and satisfying because of your help. You explained everything clearly and made the whole process easy and comfortable for me. I truly appreciate your professionalism, patience, and quick response. I am very happy with the service and would definitely recommend to others because of the great support I received from you. Thank you once again

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DharmeshFeb 22, 2026

Committed support that made everything easy

I’d like to appreciate the Paisabazar team for the excellent loan service. I especially want to recognize one of your agents, Mr. Prince Kumar, for his outstanding support. For more than a month, he continuously followed up with me and assisted me. His commitment & professionalism made the experience smooth & hassle-free. I appreciate his efforts and dedication. Kindly acknowledge his performance and consider rewarding such a sincere employee.

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BhupendraFeb 18, 2026

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

Easy loan approval with good guidance

Thank you for the support provided for getting personal loan approval. During this process I worked with Mr. Aman Bajpai (EW17239) who was co-ordinator for this entire process of Personal loan, I was incredibly impressed by his efficiency and problem-solving skills. He went out of their way to ensure all my questions were answered and that the disbursement timeline stayed on track. His coordination was really appreciable.

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Riyaj AtarFeb 9, 2026

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

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Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

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Anuradha GuptaJan 21, 2026
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Vandana Punj
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Shamik Ghosh

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