Get up to
₹5,00,000
Check eligibility in about 2 minutes.
Personal loans for your every need. Disbursal after approval and verification, usually within 24 hours. Completely digital, secure & simple.
KapitaLoan Lending Partners: Blue Chip Finance Private Limited (RBI Reg No. B.14-01340)
Our completely digital process ensures you get the funds you need in just a few easy steps.
Fill in your basic details and check your eligibility in about 2 minutes.
Upload KYC and income documents securely through our platform.
Our system verifies your details and our team reviews your loan application.
Once approved and verified, the loan amount is transferred to your bank account.
We've made the process easy and transparent. Check if you're eligible and keep these documents ready to get your loan approved faster.
You may be eligible for a KapitaLoan Personal Loan if you:
Age
21 to 60 years at the time of loan maturity.
Employment
Salaried or Self-employed professionals.
Monthly Income
Minimum monthly income of 15,000.
Credit Score
Preferred credit score of 650 or above.
Residency
Must be an Indian resident.
Meeting these criteria does not guarantee a loan. Final approval is subject to our credit policy.
Keep the following documents ready for a faster process.
Adjust the amount and tenure to instantly see your loan details.
Final amount may vary based on eligibility; APR never exceeds 35%.
Principal Amount
₹1,000
Total Repayment
₹1,051
For a clear understanding, here is an example of the total cost of a loan.
Loan Amount
₹25,000
Tenure
91 Days (3 Months)
Interest Rate
35% p.a. (reducing balance)
Processing Fee
0%
Interest Payable
₹1,942
Total Repayment
₹26,942
Maximum APR: 35% per annum, inclusive of interest and all fees.
Contingent charges apply only when payments are overdue or bounced. They are not included in the APR calculation. Repayment period: minimum 61 days; maximum 12 months.
APR will never exceed 35% per annum, inclusive of interest and all applicable fees. Actual rates depend on your credit profile.
*T&C Apply
We combine technology, transparency, and trust to deliver a seamless loan experience tailored to your needs.
Check your eligibility in about 2 minutes with our smart credit assessment.
Apply, upload documents, and get your loan—all online, anytime, anywhere.
Maximum APR 35% p.a., shown in your Key Fact Statement before you accept.
All fees and charges are shown in your Key Fact Statement before you accept the loan.
Once approved and verified, funds are disbursed to your bank account, usually within 24 hours.
Our customer support team is always here to help you at every step.
We're running ads on Google Search, YouTube and across Google's partner network to make our personal loan offering more accessible to you.
We use industry-leading security measures and follow strict data privacy practices to keep your information safe and your loan journey worry-free.
Data Encryption
All your data is encrypted using 256-bit SSL encryption for maximum protection.
Secure Access
Multi-layer authentication ensures that only authorized personnel accesses your data.
Infrastructure
Our cloud infrastructure is monitored 24/7 to prevent threats and ensure uptime.
RBI Compliant
We partner with RBI-registered NBFCs and follow all regulatory guidelines strictly.
Privacy by Design
We follow 'Privacy by Design' principles and collect only the required to process your loan.
Data Protection
Your data is never sold or shared with third parties for marketing.
Real stories from real people who achieved their goals with Kapitaloan.
Rahul Sharma
Software Engineer, Gurugram
“The application process was smooth and completely digital. I appreciated the transparent loan details and regular updates throughout the approval process. Everything was simple and easy to understand.”
Priya Verma
Marketing Executive, Noida
“I needed funds urgently for a medical emergency, and KapitaLoan made the process straightforward. The documentation was minimal, and I always knew what stage my application was in.”
Amit Gupta
Sales Manager, Jaipur
“What stood out for me was the transparency. The interest rate, processing fee, and repayment schedule were clearly explained before I accepted the offer. It gave me confidence to proceed.”
Rahul Sharma
Software Engineer, Gurugram
“The application process was smooth and completely digital. I appreciated the transparent loan details and regular updates throughout the approval process. Everything was simple and easy to understand.”
Priya Verma
Marketing Executive, Noida
“I needed funds urgently for a medical emergency, and KapitaLoan made the process straightforward. The documentation was minimal, and I always knew what stage my application was in.”
Amit Gupta
Sales Manager, Jaipur
“What stood out for me was the transparency. The interest rate, processing fee, and repayment schedule were clearly explained before I accepted the offer. It gave me confidence to proceed.”
Find answers to the most common questions about KapitaLoan.
Anyone who meets our basic eligibility criteria, including age, income, employment, and KYC requirements, can apply. Final approval depends on verification and the lending partner's assessment.
Most applications are reviewed within a few minutes after successful verification. Approval and disbursement timelines may vary depending on document verification and lender policies.
You'll typically need a valid Aadhaar Card, PAN Card, proof of income, bank account details, and any additional documents requested during the verification process.
All fees and charges are shown in your Key Fact Statement before you accept the loan. KapitaLoan believes in transparent pricing — processing fees, interest rates, and repayment details are clearly disclosed upfront.
Yes. We use industry-standard encryption and secure verification processes to protect your personal and financial information. Your data is handled in accordance with applicable privacy and security regulations.
