Vashnavi Fintech
Helpline: +91 63956 53360 Email: info@vashnavifintech.com Mon - Sat: 9:30 AM - 6:30 PM
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Unsecured Financing

Instant Personal Loan Solutions

Borrow with no collateral or assets pledged. 30-minute approval, 100% paperless digital verification, and same-day bank disbursal.

  1. Home
  2. Loan Products
  3. Personal Loan
10.49%
Starting Interest Rate (p.a.)
High Limit
Loan Amount as per Eligibility
60 Months
Flexible Repayment Tenure
30 Mins
Instant In-Principle Sanction
Fast Cash When You Need It

Why Choose a Vashnavi Fintech Personal Loan?

Life doesn't wait for your next paycheck. Whether you're handling an unforeseen medical emergency, financing a milestone wedding, remodeling your living room, or consolidating high-interest credit card debt into one affordable monthly payment, our Personal Loans provide instant liquidity with zero friction.

Zero Collateral

No property, gold, or shares pledged. Complete unsecured credit peace of mind.

Same-Day Transfer

Approved loan funds credited directly into your verified bank account within 24 hours.

100% Digital e-KYC

Upload Aadhaar, PAN, and bank statement PDF without leaving your sofa.

Custom Tenures

Select EMIs that suit your cashflow with repayment options from 12 to 60 months.

Eligibility & Document Requirements

Eligibility Criteria

  • Age: 21 to 58 years
  • Minimum Net Salary: ₹18,000/month
  • Employment: Salaried or Self-Employed Professional
  • CIBIL Score: 650 and above preferred

Documents Needed

  • PAN Card & Aadhaar Card
  • Last 3 Months Salary Slips
  • Last 6 Months Bank Statement
  • Current Address Proof (if diff from Aadhaar)

Fee & Charges Overview

Interest Rate 10.49% to 18.00% per annum (Reducing Balance)
Processing Fee 1.0% to 2.0% of sanctioned loan amount + GST
Prepayment / Foreclosure Allowed after 6 EMIs as per lender terms
Stamp Duty & Legal At actuals as per respective State Government guidelines
Quick Assistance

Enquire for Personal Loan

Get dedicated assistance with lowest interest rates guaranteed.

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Common Doubts

Frequently Asked Questions

Yes. Personal loans from Vashnavi Fintech have zero end-use restrictions. You can use the disbursed funds for medical emergencies, travel, wedding expenses, home renovation, gadgets, or debt consolidation, provided it is for legitimate personal uses.

Once your digital e-KYC and net-banking verification are completed, in-principle sanction is generated in 30 minutes. Direct account credit takes between 4 to 24 hours.

Yes. You can foreclose or make part-prepayments on your personal loan after successfully paying 6 regular monthly EMIs. Any applicable foreclosure charges are clearly detailed in your sanction agreement.