Easy Personal Loans from a Reliable Finance Company

Get a personal loan of up to Rs 40 lakh with interest rates starting at 10.5% per annum. Explore pre-approved offers from our partner lenders, featuring end-to-end digital processing and instant disbursements.
What is a Personal Loan?
Personal loan is a short to medium-term loan, which consumers can avail to meet both personal and business needs other than speculative purposes. They are usually unsecured in nature as consumers do not need to pledge any collateral or security to avail them.
Why Choose Bada Finance’s Personal Loan?
In a market full of options, what sets Bada Finance apart is our client-first approach. We focus on delivering responsible lending solutions that prioritize your financial well-being, not just your eligibility.
We eliminate unnecessary complexity. From application to disbursal, our processes are streamlined to ensure faster turnarounds without compromising on due diligence.
Our experienced loan advisors offer dedicated assistance, helping you make informed borrowing decisions. We go beyond just loan comparison — we guide you through the best-fit options based on your unique financial profile.
From documentation to lender coordination, our team is with you every step of the way. We manage the backend processes so you can focus on what matters most — achieving your financial goals.
Your data is safe with us. We adhere to strict data privacy policies and secure encryption to ensure that your information is handled with the utmost confidentiality and professionalism
Features & Benefits of Personal Loan
Personal loan is a preferred credit option for financing lifestyle goals and managing fund shortages due to its easy accessibility, minimal documentation, and quicker disbursals. Bada Finance, a trusted personal loan finance company, offers flexible and convenient loan solutions. Here are the key features and benefits of personal loans:
- Collateral-free loan
- No end-use restriction
- Loan amount of up to Rs. 40 lakh, which can exceed depending on lenders' discretion
- Repayment tenure up to 60 months, which may exceed on case-by-case basis
- Top up loans for additional requirements are offered by many lenders
- Minimal documentation
- Quick disbursals
Eligibility Criteria for Availing Personal Loan
Personal loan eligibility criteria can vary from one lender to another due to their differing credit risk policies. It may also change based on the loan variant and the applicant’s occupation profile. Bada Finance, a reputed personal loan company and a reliable private financer for personal loan needs, follows standard eligibility checks. Here are some of the common personal loan eligibility criteria used by most lenders:
- Age: 18 – 60 years
- Salary: At least Rs 15,000 per month for salaried customers
- Income: At least Rs 5 lakh p.a. for self-employed customers
- Credit Score: Preferably 700 and above as having higher credit scores improves the chances of loan approval
- Employment Stability: Usually 1 year with some lenders requiring longer work experience
- Business Continuity: Usually 3 years of business continuity with some lenders requiring longer periods of business continuity
- Employment Type: Salaried employees working with government, public sector undertakings, MNCs and other reputed corporates
Things to know before you apply for a Personal Loan
- Many banks and NBFCs offer pre-approved instant personal loan offers to their existing customers: Many lenders provide pre-approved offers to their select existing customers based on their credit profiles. Such pre-approved offers feature quick disbursals and require minimal to no documentation. Many lenders also offer lower interest rates to their existing customers.
- Having a higher credit score increases your chances of loan approval at lower interest rates: Banks and NBFCs prefer sanctioning personal loans to individuals with credit scores of 700 and above. Many lenders also offer lower interest rates to such applicants. Bada Finance, considered a personal loan best company by many, also provides pre-approved loan offers to those with strong credit profiles.
- Increase your EMI affordability by choosing longer tenure: Longer tenure leads to lower EMIs. Hence, consumers wanting to increase their EMI affordability can select longer tenures and/or lower loan amounts when making the loan application.
- No charges are levied on prepaying or foreclosing floating rate personal loans: RBI has barred banks and NBFCs from levying prepayment/foreclosure charges on floating rate personal loan. In the case of fixed rate, lenders can choose to levy these charges.
- Making multiple loan applications within a short span might reduce your chances of loan approval: Lenders fetch credit reports of every loan applicant as part of their loan evaluation process. Such lender-initiated credit report requests are known as hard enquiries. Having multiple hard enquiries within a short period can lead to a sudden decline in your credit score, thus, reducing your chances of availing personal loan.
How Can I Apply for a Personal Loan Online?
Get up to ₹40 Lakh in 5 Simple Steps:
- Step 1: Enter your mobile number in the application form
- Step 2: Provide your personal details
- Step 3: Enter OTP to verify your mobile number
- Step 4: Select the loan purpose and loan amount
- Step 5: Compare offers and apply for the best-suited loan.
FAQs
A personal loan is an unsecured loan that can be used for various purposes like medical emergencies, education, travel, home renovation, or debt consolidation.
Indian citizens between the ages of 21 and 60 with a stable income (salaried or self-employed) are eligible. Additional criteria may vary based on the lender
Loan amounts typically range from ₹50,000 to ₹25 lakhs depending on your credit profile, income, and repayment capacity.
Commonly required documents include ID proof, address proof, income proof (salary slips or bank statements), and PAN card.
With Bada Finance, approvals are quick. You can expect a loan decision within 24 to 48 hours after document verification.
A soft credit check for eligibility does not impact your credit score, but a hard inquiry during the actual loan application might have a minor temporary effect.
Interest rates vary based on your credit score, loan amount, tenure, and lender policies — typically ranging from 10.5% to 24% per annum.
This depends on the lender. Some allow part or full prepayment after a lock-in period, while others may charge a fee. We’ll help you choose the best option.
Yes, but your eligibility will depend on your current loan repayment history, income, and debt-to-income ratio.
- We compare offers from multiple lenders, ensuring you get the best interest rates, flexible tenures, faster approvals, and end-to-end support during the loan process.
Testimonials from Happy Customers

Ravi Sinha
Mumbai
Bada Finance helped me upgrade my car loan with zero hassle!
I already had an ongoing car loan, but Bada Finance got me a better deal with extra funds based on my car’s current value. No stress, just smooth coordination with the bank.
Shweta Kapoor
Jaipur
I got a top-up on my car loan without any penny of stress!
Their team handled everything—from talking to my existing bank to disbursing the new loan. I received more cash in hand and continued with lower EMIs!
Nitesh Verma
Hyderabad
Refinancing is made simple and quick!
My original loan had high interest. Bada Finance helped me switch lenders, close the old one, and get a fresh loan with better terms. Highly recommended!
Anjali Menon
Kochi
Extra cash without selling my car? Yes, please!
Thanks to Bada Finance, I got extra money using my existing car loan. They coordinated with my bank and handled everything end-to-end.
Need Cash? Get a Personal Loan in Just a Few Clicks!
Whether it’s for a dream vacation, medical emergency, home renovation, or wedding expenses — a Personal Loan from Bada Finance is your perfect financial solution.
No collateral. Minimal paperwork. Quick disbursal.
Apply now and turn your plans into reality with ease!
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Personal Loan
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Personal Loan
Get a personal loan of up to Rs 40 lakh with interest rates starting at 10.5% p.a. Explore pre-approved offers from our partner lenders, featuring end-to-end digital processing and instant disbursals.

Check Personal Loan Offers Online
What is a Personal Loan?
Personal loan is a short to medium term loan, which consumers can avail to meet both personal and business needs other than speculative purposes. They are usually unsecured in nature as consumers do not need to pledge any collateral or security to avail them.
Personal Loan Interest Rate
Eligibility Criteria for Availing Personal Loan
Personal loan eligibility criteria can vary from one lender to another due to their varying credit risk policies. It can also vary as per the loan variant and the occupation profile of the applicant. Here are some of the personal loan eligibility criteria used by most lenders:
- Age: 18 – 60 years
- Salary: At least Rs 15,000 per month for salaried customers
- Income: At least Rs 5 lakh p.a. for self-employed customers
- Credit Score: Preferably 700 and above as having higher credit scores improve the chances of loan approval
- Employment Stability: Usually 1 year with some lenders requiring longer work experience
- Business Continuity: Usually 3 years of business continuity with some lenders requiring longer period of business continuity
- Employment Type: Salaried employees working with government, public sector undertakings, MNCs and other reputed corporates
Documents Required for availing Personal Loan
Personal loan lenders require documents from their applicants to establish their identity, income, loan repayment capacity and place of residence. These documents are more or less the same across lenders. Here are the few common set of documents that you will need to submit when applying for a Instant personal loan:

Processing fees and charges
While the fees and charges of personal loans can vary widely depending on lender and the credit profile of the loan applicants, the following table will give you a fair idea of the personal loan fees and charges levied by the lenders:

Other fees and charges levied by the lenders include documentation charges, verification charges, duplicate statement charges and NOC certificate charges.
How Can I Apply for a Personal Loan Online?
Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan.

Features & Benefits of Personal Loan
Personal loan is a preferred credit option for financing lifestyle goals and fund shortages due to their easy accessibility, minimal documentation and quicker disbursals. Here are the key features and benefits of personal loans:
- Collateral-free loan
- No end-use restriction
- Loan amount of up to Rs. 40 lakh, which can exceed depending on lenders’ discretion
- Repayment tenure up to 60 months, which may exceed on case-by-case basis
- Top up loans for additional requirements are offered by many lenders
- Minimal documentation
- Quick disbursals
Things to know before you apply for a Personal Loan
Before applying for a personal loan, here are a few things you should know
- Many banks and NBFCs offer pre-approved instant personal loan offers to their existing customers: Many lenders provide pre-approved offers to their select existing customers based on their credit profiles. Such pre-approved offers feature quick disbursals and require minimal to no documentation. Many lenders also offer lower interest rates to their existing customers.
- Having a higher credit score increases your chances of loan approval at lower interest rates: Banks and NBFCs prefer sanctioning personal loans to those having higher credit scores of 700 and above. Many lenders also set lower interest rates for such applicants. Having higher credit scores also increases an individual’s eligibility for pre-approved loan offers.
- Increase your EMI affordability by choosing longer tenure: Longer tenure leads to lower EMIs. Hence, consumers wanting to increase their EMI affordability can select longer tenures and/or lower loan amounts when making the loan application.
- No charges are levied on prepaying or foreclosing floating rate personal loans: RBI has barred banks and NBFCs from levying prepayment/foreclosure charges on floating rate personal loan. In the case of fixed rate, lenders can choose to levy these charges.
- Making multiple loan applications within a short span might reduce your chances of loan approval: Lenders fetch credit reports of every loan applicant as part of their loan evaluation process. Such lender-initiated credit report requests are known as hard enquiries. Having multiple hard enquiries within a short period can lead to a sudden decline in your credit score, thus, reducing your chances of availing personal loan.
Leave a comment or ask a question!
Your email address will not be published and will be used to send a reply to your query.
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