BENISS FINANCE LIMITED
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Instant Personal Loan

Get up to ₹55 Lakh
in just 24 hours*

Interest rates starting from 10% p.a.* Flexible tenure from 12 to 108 months. No collateral. 100% online process.

10%*
Starting ROI
₹55L
Max Amount
108 mo
Max Tenure
650+
CIBIL Score
Check Loan Offer Calculate EMI

Check your loan offer

By continuing, you agree to our Terms & Privacy Policy

⚡

Instant Approval

Quick approval in just a few steps — no long waiting

🏦

No Collateral

Fully unsecured loan — no assets or guarantor needed

📅

Flexible Tenure

Choose repayment between 12 and 108 months

👥

Trusted by Millions

Over 5 crore people trust us for their finances

Why Choose Us

Features & Benefits

Flexible repayment, quick approval, minimal documentation and high loan amounts — all in one place.

1

Three Loan Variants

Choose Term Loan, Flexi Dropline or Flexi Hybrid based on how you want to manage repayments and cash flow.

2

Zero Prepayment on Flexi

Part-prepay or withdraw from Flexi loans as many times as you want with zero extra charges.

3

High Loan Amount

Borrow from ₹40,000 to ₹55 lakh for medical, wedding, travel, education and more.

4

Quick Approval

Complete your application online from home and get an instant personal loan with fast approval.

5

Money in 24 Hours*

Approved amount credited to your bank account within 24 hours* — sometimes the same day.

6

No Hidden Charges

All interest rates and charges are listed clearly on this page and in loan documents.

7

No Guarantor Needed

Apply without collateral such as gold, property papers, or a guarantor standing for you.

8

100% Online Process

Paperless application, digital KYC and offer acceptance — apply anytime, anywhere.

9

Flexible Withdrawals

With Flexi loans, withdraw as needed and pay interest only on the amount you utilise.

Plan Smart

Personal Loan EMI Calculator

Adjust amount, tenure and rate to see your estimated EMI, total interest and payable amount instantly.

Loan Parameters

₹ 5,00,000
₹40K₹55L
36 months
12 mo108 mo
12%
10%30.5%
Your Estimated EMI
₹16,607
Principal₹5,00,000
Total Interest₹97,852
Total Payable₹5,97,852
Tenure36 months
Check Actual Offer
Simple Process

How to Apply in 5 Easy Steps

Get your personal loan fully online — no branch visit required.

Check Eligibility

Enter amount & tenure, then click Check Loan Offer

Enter Details

Provide personal, financial & employment info

Review Offer

See your offer and adjust amount or tenure

Complete KYC

Verify identity & bank details digitally

Get Disbursed

Specialist contacts you; funds in 24 hrs*

Check Loan Offer
Versatile Funding

Types of Personal Loan

Use the funds for almost any personal need — no restriction on end use.

✈️

Travel Loan

Family vacation, honeymoon or international trip? Convert flights, stay and sightseeing into easy EMIs.

Apply Now
💍

Wedding Loan

Cover venue, catering, photographers, decor and vendors without touching your savings.

Apply Now
🎓

Education Loan

Fund tuition, courses, travel and accommodation that education loans may not fully cover.

Apply Now
🏥

Medical Emergency

Quick disbursal helps you focus on recovery without worrying about immediate medical costs.

Apply Now
🏠

Home Expenses

Renovate, buy furniture or appliances, or manage any household expense with flexible EMIs.

Apply Now
🔄

Balance Transfer & Top-Up

Move a high-interest loan to a lower rate, or get a top-up for additional funds.

Apply Now
Choose Wisely

Compare Loan Variants

Pick the structure that fits your cash flow — Term, Flexi Dropline or Flexi Hybrid.

Term Loan

Fixed EMI · Fixed tenure

  • Fixed monthly EMI throughout
  • Ideal for one-time large expenses
  • Simple structure, easy budgeting
  • Full amount disbursed upfront
  • Prepayment charges may apply
Select Term Loan

Flexi Dropline

Withdraw as needed · Dropping limit

  • Withdraw funds when required
  • Interest only on utilised amount
  • Dropline limit reduces over time
  • Zero part-prepayment charges
  • Great for staged expenses
Select Flexi Dropline

Flexi Hybrid

Interest-only + EMI phase

  • Initial interest-only period
  • Then principal + interest EMIs
  • Lower initial outflow
  • Zero part-prepayment charges
  • Best for long-term flexibility
Select Flexi Hybrid
Who Can Apply

Eligibility & Documents

Meet five simple criteria, complete basic documentation, and get funds within 24 hours* of approval.

✓ Eligibility Criteria

NationalityIndian
Age21 years to 80 years*
EmploymentPublic, private, or MNC
CIBIL Score650 or higher
ProfileSalaried or Self-employed

* Applicant should be 80 years or younger at the end of the loan tenure.

📄 Documents Required

  • ✓ KYC: Aadhaar / Passport / Voter ID / Driving Licence
  • ✓ PAN Card
  • ✓ Employee ID card
  • ✓ Salary slips (last 3 months)
  • ✓ Bank statements (last 3 months)
  • ✓ Address proof (utility / gas / phone bill)
  • ✓ Recent photograph
Transparent Pricing

Interest Rates & Charges

Clear, upfront pricing. Rates from 10% to 30.5% p.a. depending on your profile.

Type of FeeApplicable Charges
Rate of Interest (p.a.)10% to 30.5% per annum
Processing FeesUp to 4.13% of the loan amount (inclusive of taxes)
Flexi Facility ChargeTerm Loan – Not applicable · Flexi Loans – ₹1,999 to ₹18,999 (incl. taxes)
Bounce Charges₹700 to ₹1,200 per bounce
Full Pre-paymentUp to 4.72% (incl. taxes) on outstanding amount / Dropline Limit
Part Pre-paymentUp to 4.72% — Not applicable on Flexi Dropline & Hybrid
Penal ChargeUp to 36% p.a. per instalment for delayed payment
Stamp DutyAs per state laws; deducted upfront from loan amount

*Terms & conditions apply. Rates depend on credit profile, income and other factors.

Quick Links

Apply by Loan Amount

Select the amount that matches your requirement.

₹50,000Personal Loan ₹1 LakhPersonal Loan ₹5 LakhPersonal Loan ₹10 LakhPersonal Loan ₹20 LakhPersonal Loan ₹25 LakhPersonal Loan ₹30 LakhPersonal Loan ₹40 LakhPersonal Loan
Salary-Based

Apply by Your Salary

Options tailored to your monthly income.

₹26,000Salary ₹30,000Salary ₹40,000Salary ₹50,000Salary ₹60,000Salary ₹70,000Salary ₹90,000Salary ₹1,00,000Salary
Pan-India

Available Across Cities

Instant personal loans online in major cities across India.

Delhi Mumbai Pune Hyderabad Kolkata Jaipur Noida Chennai
Got Questions?

Frequently Asked Questions

A personal loan is an unsecured loan for personal needs such as medical emergencies, weddings, home renovations, travel or education. No collateral is required.
Home renovation, higher education, medical bills, holidays, weddings, debt consolidation and more. There is no restriction on end use since it is unsecured.
You can borrow from ₹40,000 to ₹55 lakh depending on eligibility, income, CIBIL score and other factors. The exact offer is personalised after you check eligibility.
Choose from 12 months to 108 months. Longer tenure lowers EMI but increases total interest; shorter tenure does the opposite.
1. Check Loan Offer with amount & tenure.
2. Enter personal, financial and employment details.
3. Review and adjust the offer.
4. Complete KYC and bank verification.
5. Submit — a specialist will contact you.
After approval and document verification, the amount is typically credited within 24 hours*. In some cases it may be the same day.
Yes. Application, KYC and offer acceptance can be completed entirely online without visiting a branch.
Yes. Full prepayment is allowed (charges up to 4.72% may apply). Part-prepayment is free on Flexi Dropline and Flexi Hybrid loans.
Delay attracts a Penal Charge of up to 36% p.a. per instalment. Bounce charges of ₹700–₹1,200 may also apply if a payment instrument is dishonoured.
EMI = [P × R × (1+R)^N] ÷ [(1+R)^N − 1], where P is principal, R is monthly rate, N is months. Use the calculator above for an instant estimate.
A CIBIL score of 650 or higher is generally required. Scores of 750+ improve chances of better rates and higher amounts.
Yes. Both salaried and self-employed (professionals and non-professionals) who meet the criteria can apply. Self-employed may need business proof and ITR.
You must be between 21 and 80 years, and 80 or younger at the end of the chosen loan tenure.
Up to 4.13% of the loan amount (inclusive of applicable taxes). The exact fee is shown in your personalised offer.
No. All rates, processing fees, Flexi charges, bounce, prepayment and other fees are listed clearly on this page and in loan documents.
From 10% p.a. up to 30.5% p.a. Your actual rate depends on CIBIL score, income, employment, amount, tenure and lender relationship.

Ready to get your personal loan?

Check eligibility in 2 minutes and get a personalised offer. Loan amounts from ₹40,000 to ₹55 lakh.

Check Loan Offer Now
BeniSS Finance Limited
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