Personal Loan from 10.5%
Collateral-free funding up to ₹40 lakh for weddings, medical needs, travel or debt consolidation — at PSU bank rates, not app-lender rates.
- Interest from
- 10.50%
- Loan up to
- ₹40 Lakh
- Max tenure
- 5 years
- Collateral
- None
Why this loan through NITI
- No collateral and no guarantor needed.
- Fixed EMI for the full tenure, so budgeting stays predictable.
- Far cheaper than credit card debt at 36-42% a year.
- Consolidate multiple high-cost loans into one lower EMI.
- Digital documentation, disbursal in as little as 48 hours.
- Preferential pricing for government and PSU employees.
See the real savings
Same loan amount. Same tenure. A PSU bank rate simply costs you less.
| Bank | Interest Rate | Monthly EMI (₹8.00 L, 5yr) | Total Interest | You Save |
|---|---|---|---|---|
| PSU bank (via NITI) | 10.5% | ₹17,195 | ₹2.32 L | ₹3.49 L |
| HDFC Bank | 11.9% | ₹17,755 | ₹2.65 L | ₹3.16 L |
| Private NBFC | 16% | ₹19,454 | ₹3.67 L | ₹2.14 L |
| Lending app | 24% | ₹23,014 | ₹5.81 L | Baseline |
Calculate your EMI
Move the sliders to see your monthly EMI and how much a PSU rate saves you.
Monthly EMI
₹17,195
Total Interest
₹2.32 L
Total Payment
₹10.32 L
Eligibility criteria
Salaried applicants
- • Age 21 to 60 years
- • Net monthly income ₹25,000 and above
- • Minimum 1 year in current job
- • CIBIL score 725 and above
Self-employed applicants
- • Age 25 to 65 years
- • 3 years of business vintage
- • ITR-declared income ₹4 lakh and above
- • No cheque bounces in the last 6 months
Documents required
Salaried
- • PAN card and Aadhaar card
- • Last 3 months salary slips
- • Last 6 months bank statement (salary account)
- • Form 16 or latest ITR
- • 2 passport size photographs
Self-employed
- • PAN card and Aadhaar card
- • Last 2 years ITR with computation
- • Last 12 months current account statement
- • Business proof — GST, Udyam or Shop Act licence
- • 2 passport size photographs
How to apply
Four steps, mostly on WhatsApp.
- 01
WhatsApp Us
Send us your requirement — loan type, amount, city. Takes 2 minutes.
- 02
Free Comparison
We compare rates from 5+ PSU banks and share the best options within 15 minutes.
- 03
Document Submission
Send documents on WhatsApp. We verify and submit to the bank on your behalf.
- 04
Loan Sanctioned
48-72 hour approval. Money disbursed directly to you or your dealer.
Frequently asked questions
NITI Financial Solutions is a loan facilitation service. We facilitate the loan application process between you and our partner banks. The final loan sanction, interest rate, and terms are determined by the respective bank based on their credit assessment.