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Select Your Occupation
Enter Your Personal Details
Enter Your Business and Loan Requirement Details
Self Employed and Loan Requirement Details

By clicking on "Submit" you hereby accept the Terms & Conditions and Declaration for MyUniverse Account. Your personal loan application will be shared with Banks if you meet bank's eligibility criteria.

Benefits of Personal Loan

Doorstep services

No more visiting to multiple branches to fulfil your requirement. Myuniverse helps you to compare 5+ personal loan providers at your doorstep.

Loan Sanction Period

Apply for personal loan and get the disbursement within 3 working days*(Subject to availability, complete documentation, etc.).

Balance Transfer

Opt for personal loan balance transfer and avail benefits like Top up personal loan, special interest rate starting at 10.99%* & many more.

Pre-closure & Processing charges

Depending on your loan profile, you can also avail the minimum pre-closure and processing fees charges which will help you to save more while applying for personal loan.

Get Personal Loan

Compare top personal loan providers in India. Get 100% end-to-end online Personal Loan solutions, which include information and assistance for Personal Loan eligibility criteria and documents, application to approval and disbursal.

By opting for a Personal Loan from MyUniverse you can get instant approval in 5 minutes and disbursal in your bank within 24 hours, through our online facility

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Factors affecting your Eligibility For A Personal Loan

  • Monthly Income
    Individuals with higher income and job stability have a higher likelihood of repaying the loan.
  • Age
    The borrower’s age plays an important role in the ability of repayment of the debt.
  • Monthly Expenses
    Your ability to pay back a loan is judged to some extent from your monthly expense, making it an important factor for evaluation.
  • Any Other Loan
    When it comes to Loans, it’s not more the merrier. Your chances improve if you don’t have another loan to your name.
  • Credit History
    A bad CIBIL Score is the last thing you would want if you are applying for a Loan. You should always maintain a credit history.
  • Job Stability
    Job stability plays a significant role in your loan, If you’re in the habit of frequently switching your jobs, your loan application might be rejected.
  • Relationship with Lender
    A good understanding with the bank goes a long way in negotiating better terms for a loan. Being a known and trusted customer helps.
  • Category of Your Employer
    The reputation of an applicant's workplace is also a contributing factor to the determination of interest rate.

List of Partners

Compare Personal Loans

Bank Name Interest Rate Range Processing Fee Range Pre Closure Fee Part Payment Fee Loan Amount Tenure
Aditya Birla
11.00% - 13.75% Fixed 1% One time fee Preclosure fee = 4% of principal outstanding in the 1st year; 3% in the 2nd year and 2% thereafter Part payment fee = 0, Minimum amount to be paid for part payment is 25000 30L Max 1-5 Years
10.99% - 16.49% Up to 2% 4% of principal outstanding 0 30L Max 1-5 Years
12.49% - 33%
6.0% One
time fee
7% of principal outstanding(plus applicable tax) upto 17 months 5% of principal outstanding(plus applicable tax) from 18 to 23 months. 3% of principal outstanding(plus applicable tax) from 24 to 35 months. No preclosure charges applicable afterwards -- 15L Max 1-4 Years
14.99% - 14.99% Up to 2% 4% of principal outstanding -- 20L Max 1-5 Years
10.99% -
Up to 2.5% 4% of principal outstanding (plus applicable tax) in 2nd year 3% (plus applicable tax) in 3rd year. 2% (plus applicable tax) afterwards Part-payments can be made only after completion of 12 months. For part payments between 13 to 24 months, a fee of 4% is applicable on the part-payment amount. 3% is applicable on payments made between 25 to 36 months. 2% is applicable post 36 months. 40L Max 1-5 Years
11.00% - 18.25% Fixed From .75% (min. Rs. 999 + applicable tax) One time fee 5% of principal outstanding -- 20L Max 1-5 Years
10.99% - 18.15% Fixed Up to 2.5% 5% of principal outstanding (plus applicable tax) -- 25L Max 1-5 years
12.75% - 14.75% Floating 1% + applicable tax One time fee -- -- 25K - 15L 5 Years
14% Fixed - 2% - 4% of principal outstanding (plus applicable tax) up till repayment of 12 EMIs; No pre closure charges thereafter -- 20L Max 1-5 Years