IndiaLends Personal Loan and Credit Cards

IndiaLends is a Fintech platform based in New Delhi. Its aim is to provide various financial product easily available for a common man. This online platform provides help with personal loans, unsecured loans, instalment loans and credit cards. However, it doesn’t provide any loan directly, but it works as a bridge between a lender and borrower. With a single application, the borrower get offers from multiple lenders and choose a loan conveniently.

IndiaLends Personal Loan – Features and Benefits

  • Collateral free personal loan: All the personal loan available here are collateral-free, hence a borrower requires to provide any security to get the personal loan. In short, you can take the benefit of a personal loan without risking your valuable assets.
  • Least document required: Since the personal loan application is digital, hence there is a minimum number of documents required to apply for a loan. From document submission to verification, you need not worry at all.
  • Quick approval: As the documentation and verification is digital, you get quick approval on your personal loan application. Hence you can bank on IndiaLends in times of financial emergency.
  • Multi-use personal loans: Since there is no restriction on the end usage of the loan amount, you can fund your various needs through personal loans. For example, a car loan can be used to finance a car while a personal loan can be used for home renovation, business expansion, medical emergencies, weddings, education, etc.

IndiaLends Personal Loan Interest Rates

Interest rates10.75% – 35%
Processing feeGenerally, ranges between 1%- 5%
Loan tenure12 months to 60 months
Loan amountRs 15,000 to Rs 50,00,000
Pre-closure chargesDiffers from lender to lender

Documents Required to Apply for IndiaLends Personal Loan

For salaried individuals

  • Identity proof
  • Age proof
  • PAN card
  • Residence proof
  • Bank Statements for past 3 months
  • Salary slips for past 3 months
  • Form 16 or ITR for last 3 years

For self-employed individual

  • Identity proof
  • Age proof
  • PAN card
  • Residence proof
  • Bank statements for the past 3 months
  • Salary slips for past 3 months
  • Last 3 year’s ITR with income calculation
  • Last 3 year’s balance sheet and profit & loss account properly audited

IndiaLends Personal Loan Eligibility Criteria

Minimum age18-21 years
Maximum age60-65 years
Employment typeSalaried or Self-employed professionals
Credit score750 or above
Minimum net income (monthly)Rs 15,000(non-metro cities)Rs 20,000(metro cities)
Loan amountUp to Rs 50 lakh based upon the credit profile
Work experienceSalaried individual 6-12 monthsSelf-employed 3 years continuously

IndiaLends Personal Loan EMI Calculator

It offers a free tool to calculate your monthly EMIs, Interest, and total amount without applying for a loan. This tool is simple and free. The following are the most common feature of the IndiaLends personal loan EMI calculator is you can know about

  • Your future EMIs
  • Your payment as interest.
  • Your total amount including principal loan amount and interest

Types of Personal Loans Offered by IndiaLends

  • Personal loan for home renovation: When your home needs a makeover and budget disallows you to do it, you can take a personal loan to fulfil the need.
  • Personal loan for a wedding: Everybody loves grand wedding, as they are memorable, but budget never allows you to plan your wedding as per your choices. If you are worried for the same reason, you can take the help of personal loan for marriage.
  • Personal loan for travel: If you’re busy because of your tight schedule, you can’t take a break from your work or you find it difficult to plan a holiday plan with your friends and family because of the insufficient budget, you can also fund your vacations with a personal loan.
  • Business expansion: Since there is no cap on the end usage on the loan amount, a business owner can also pump capital into the business by taking a personal loan.
  • Top up loan: Get more loan on your existing personal with Top up loan.
  • Personal loan balance transfer: With a personal loan balance transfer, you can transfer your existing personal loan to a new lender to save money.

IndiaLends Loan Customer Care Number

Since IndiaLends offer its services 27*7, you can contact them anytime regarding your query, feedback, and grievances. To contact IndiaLends you just need to mail them at

IndiaLends Personal Loan App

IndiaLends offer a quick solution to the needs to the people who need quick relief that’s why they have their mobile application. The best personal loan app offers instant loans, credit cards, and free credit reports.

How Does IndiaLends Mobile Application Work? 

IndiaLends has tie-ups with over 50 banks and leading NBFCs. When a user submits a loan enquiry, the app selects the most suitable banks and NBFCs offering instant loans based on the eligibility of the borrower at an attractive rate of interest.

IndiaLends Credit card

At IndiaLends mobile application or website, you can also apply for a credit card according to your need and eligibility. IndiaLends has tie-ups with top 50 banks which provide credit cards with exciting rewards and cashback. The application process is simple.