- 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
4.5/5
15.6L Reviews
5.7cr+Satisfied Customers
65+Lending Partners
₹65k Cr+Loans Disbursed
Fully Digital Borrowing Process
Highest Approval Chances
End-to-End Expert Assistance
Loan Disbursal in 15 minutes

Calculate Your Personal Loan EMI
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₹
50K1Cr
8%30%
1Y 10Y
Your Monthly EMI Payment
₹0
Principal Amount₹0
Interest Amount₹0
Total Amount₹0
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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 Fee₹ 6,500
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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About InCred Personal Loan
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 |
|
Avail Personal Loan for
All Your Needs

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:
InCred Personal Loan Documentation Required
The personal loan documents required for loan applicants availing InCred Personal Loans are mentioned below:
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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FAQs
What is the maximum personal loan amount that I can avail?
The maximum loan amount that you can avail on your InCred Finance personal loan is Rs. 15 lakh, subject to your eligibility.
What is the current interest rate for InCred personal loan?
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.
How can I avail personal loan from InCred Finance?
You can avail an InCred personal loan either through the official website of InCred Finance or via Paisabazaar.com.
What can I use an InCred personal loan for?
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.
How long does it take to get a loan disbursed from InCred?
InCred personal loans are usually disbursed within 15 days.
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%*
Get up to ₹50 Lakhs starting at 9.98%*









