Know your EMI, total cost and every fee before you apply. Honest personal loans for everyday plans and lasting peace of mind.
Pick one. It helps us suggest a sensible amount.
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An unsecured loan you can use for almost anything, from a wedding to a hospital bill. Borrow what you need and repay in fixed monthly EMIs.
Slide to your amount and tenure for an instant estimate. The full calculator goes further:
Lending should feel like a handshake, not a trap. Here's what we commit to on every loan.
Rate, fees, APR and total cost, all on one simple page.
Your EMI never changes mid-loan. Every due date is known from day one.
Exit during the cooling-off period by repaying the principal and proportionate interest.
Bank-grade encryption. We never sell your information.
Any applicable processing fee is disclosed in your Key Fact Statement before you accept.
Four steps, all from your phone. No branch visits, no paper piles.
Amount, rate and EMI, with no CIBIL impact.
~2 minutese-KYC and income documents from your phone.
~5 minutesRead your Key Fact Statement, sign with OTP.
Same dayStraight to your salary account.
Within 24 hoursMost salaried professionals meet all five basics. Check yours in 20 seconds and estimate how much you could borrow, with no personal details needed.
"The EMI on the website was exactly what I paid, to the rupee. After hearing horror stories about hidden charges, that honesty meant everything."
"Applied on a Sunday evening for my father's surgery. The money was in my account by Tuesday morning."
"Three credit card bills became one EMI. I finally sleep without worrying about due dates."
"I part-prepaid after my bonus. Seeing exactly how much interest I saved felt great."
"The support team walked me through every line of the agreement. Patient, clear, kind."
Short, honest guides, whether you borrow from us or not.
Scores run from 300 to 900. Here's what lenders actually look at.
750+ is generally considered strong and helps you get the best rates. 700–749 is good for most personal loans.
Your score improves when you pay every EMI and card bill on time, keep credit card usage under 30% of your limit, and avoid applying with many lenders at once.
A simple rule of thumb to borrow without stretching yourself.
Try to keep all your EMIs together under about 40% of your take-home pay. On a ₹60,000 salary, that's roughly ₹24,000 a month across every loan.
Leave room for emergencies. If the EMI feels tight, choose a slightly longer tenure, or borrow a little less.
Yes, and earlier in the loan is when it helps most.
In the early months, a bigger share of each EMI goes to interest. A part-prepayment reduces the principal that interest is charged on, so the saving builds over the rest of the loan.
Got a bonus? Even a small prepayment in year one can noticeably cut your total interest. Check your loan's prepayment terms in the KFS first.
The questions we hear most. Find many more, grouped by topic, in our Help centre.
From ₹50,000 up to ₹25,00,000, repaid over 12 to 60 months. Your exact limit depends on your income, existing EMIs and credit history.
Rates start from 10.5% p.a. and are personalised to your credit score, income and employer. You'll see your exact rate and APR in your Key Fact Statement before you accept.
No. Checking your offer uses a soft enquiry that doesn't affect your credit score. A formal credit check happens only if you choose to proceed.
No hidden charges, ever. Any processing fee is shown clearly in your Key Fact Statement, alongside your total cost, before you sign anything.
Yes. You can make part-prepayments or foreclose your loan. Any applicable charges are listed upfront in your loan agreement, so there are no surprises.
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A Skyrise loan expert will call you shortly with your personalised offer.