• Loan Amount: ₹50,000 to ₹10 Lakhs

• Interest Rate: Starting from 13% p.a.*

• Tenure: 12 months to 60 months

• Approval: Quick approval with minimal documentation

• Flexible Usage: Use funds for education, travel, home renovation, debt consolidation, or emergencies

• Prepayment Facility: Allowed after a certain period

Choosing Indicred to apply for your Home Credit personal loan comes with unique advantages:

• Quick Online Application – Apply from anywhere, anytime.

• Compare & Choose – Get the best offers tailored for you.

• Transparency – No hidden charges or false promises.

• Expert Assistance – Guidance throughout the loan process.

• Pan-India Access – Apply from any city across India.

To apply for a Home Credit personal loan, you must meet:

• Age: 21 – 58 years

• Employment: Salaried, self-employed, or professionals

• Minimum Income: ₹15,000 per month (varies by city)

• Credit Score: 700+ preferred

• Work Experience: 1–2 years in current employment or business

• Identity Proof: Aadhaar Card, PAN Card, Passport, or Voter ID

• Address Proof: Aadhaar, utility bills, Passport, or rental agreement

• Income Proof: Latest salary slips, ITR, or bank statements

• Employment/Business Proof: Company ID, employment letter, or business registration

• Visit Indicred.in and navigate to Personal Loan.

• Fill out the online form with basic details.

• Upload required documents for verification.

• Get instant eligibility check & loan offer.

• Choose the best loan option and proceed.

• Loan disbursal directly to your bank account.

• Competitive interest rates compared to many banks

• Higher loan eligibility for salaried professionals

• Quick disbursal with minimal paperwork

• Trusted private bank with excellent customer support

• Flexibility in repayment and prepayment options

An Home Credit personal loan can be used for multiple financial needs:

• Wedding expenses

• Higher education

• Travel & holidays

• Medical emergencies

• Home renovation

• Debt consolidation