Personal Loan

A flexible loan disbursed directly to your bank account. Just your PAN Card and one address proof are all you need. Borrow up to ₹2 Lakhs with repayment terms from 3 to 36 months.

Features :

  • Loan Amount: ₹6,000 – ₹2,00,000
  • Interest Rate: 14% – 36%
  • Tenure: 3 to 36 months
  • Processing Fee: Up to 4%
  • Disbursal: Instant transfer to bank account
  • Security: No collateral required

Eligibility Criteria :

  • Age Limit: 23 to 50 years
  • Monthly Income : ₹18,000 (Metro), ₹15,000 (Non-metro)
  • Residency: Must be a Resident Indian Citizen
  • Work Experience: At least 1 year in current job/profession

Other Fees Charges :

  • Interest Rate Starting from 14% p.a.
  • Processing Fee 2–4.5% of loan amount
  • Late Payment Fee ₹500 or 3% of overdue amount (whichever is higher)
  • Bounced Payment Fee ₹500 + GST
  • Mandate Rejection Charges ₹250 + GST

Application Requirements :

  • Mobile Number
  • Email
  • First & Last name
  • Date of Birth
  • Gender
  • PAN
  • Employment Type
  • Monthly Income
  • Company name
  • Address Proof
  • PAN Photo
  • Selfie (eKYC)
  • Current Address
  • Bank Statement
  • Father / Mother / Spouse Name
  • Reference Contact
  • Disbursement Bank Account Details
  • eNACH / UPI e-mandate
logo for creditsea

INNOTECH CREDITSEA PLATFORMS PRIVATE LIMITED

Meghdoot Mercantile Pvt. Ltd. NBFC Reg No: B-05.03357
Chhotaria Securities Pvt. Ltd. NBFC Reg No: B-05.04798

Contact Us

SO-11, 3rd Floor, Magneto Offizo, The Mall, Telibandha, Raipur, C.G. – 492001

+91 8827973499help@creditsea.com

Find Your Loan

© 2026 CreditSea. Built with ❤️ in India