Emergency Loan
Urgent need for funds? Get a small-ticket loan with minimal documentation and disbursal within hours.
Apply NowLoan Amount
₹5,000 – ₹2,00,000
Tenure
3 – 24 months
Interest Rate (APR)
18% p.a.
Processing Fee
Up to 3% of loan amount + GST
Documentation
Minimal — PAN, Aadhaar & bank statement
Disbursal Time
Within a few hours of approval*
*Subject to document verification and credit assessment. See our Interest Rate & Fees Policy for full details.
Eligibility Criteria
- • Indian resident aged 21–58 years
- • Salaried or self-employed with regular income
- • Minimum net monthly income of ₹15,000 (indicative)
- • Valid PAN and Aadhaar
- • Active bank account
Documents Required
- • Identity Proof: PAN Card and Aadhaar Card
- • Bank Statement: Last 1–3 months
- • Photograph: Recent passport-size photo
All documents are collected digitally during the application process — no physical paperwork or branch visit required.
What You Can Use Emergency Loan For
Medical Emergencies
Cover sudden hospital bills or treatment costs.
Urgent Bill Payments
Pay rent, utility or other time-sensitive bills.
Vehicle/Appliance Repair
Fund unexpected repair costs quickly.
Unexpected Travel
Manage last-minute travel expenses.
Bridging Cash Gaps
Cover short-term cash flow gaps until your next payday.
Factors That Affect Your Loan Approval
Speed of Document Verification
Uploading clear, complete documents speeds up approval and disbursal.
Existing Credit History
A clean repayment history helps with faster approval, even for small-ticket loans.
Bank Statement Cash Flow
Regular income credits and healthy balances support quick assessment.
Requested Amount vs. Income
Smaller, need-based amounts are typically processed faster.
Representative Example
For a loan of ₹50,000 at an interest rate of 24% p.a. (APR) for a tenure of 12 months, with a processing fee of 2.5% + GST:
- • Monthly EMI: approx. ₹4,728
- • Total amount payable: approx. ₹56,736
- • Total interest + fees: approx. ₹6,736
This is an illustrative example only. Your actual rate, fees and EMI will depend on your credit profile and will be shared before loan acceptance. Use our EMI Calculator for a personalised estimate.
Emergency Loan FAQs
Emergency loans are designed for speed — funds are typically disbursed within a few hours of approval, subject to document verification.
Just your PAN, Aadhaar and recent bank statement — no lengthy paperwork.
Yes, given the smaller ticket size and faster processing, interest rates are typically at the higher end of our personal loan range.
You may still apply; approval and interest rate will depend on your overall credit assessment and income.
Yes, prepayment is allowed as per your loan agreement. Applicable charges are disclosed in our Interest Rate & Fees Policy.