Personal Loan
Fast liquidity, structured for affordability.
- Loan amountUp to ₹1 Cr
- Interest rateFrom 10.49%* p.a.
- Tenure12 — 60 months
About this product
Why clients choose Viva Capital for PL.
Personal loans for medical, travel, wedding, education, or emergency funding. Pre-approved offers and flexible tenures make this the simplest financing option for salaried professionals.
What we offer
Key features
- Unsecured — no collateral required
- Tenures from 1 to 5 years
- Pocket-friendly EMIs
- End-use flexibility
Who can apply
Basic eligibility
- Salaried, age 21 — 60
- Net monthly income ₹25,000+
- Stable employment (1+ year in current job)
- CIBIL score 700+ preferred
Keep ready
Documents required
- KYC (PAN, Aadhaar, address proof)
- Last 3 months salary slips + Form 16
- Last 6 months salary bank statements
A working promise
“A senior advisor reads your file, picks the lender most likely to approve it, and stays with the case until disbursal — even when the first bank says no.”
Our Process
From first conversation —
to disbursal and beyond.
A guided four-step process built around clarity and speed. No opaque hand-offs, no junior routing — one senior advisor walks the case through.
- 01
Profile Review
Tell us your goal. A senior advisor reads your file end-to-end and identifies the right route.
- 02
Bank Matchmaking
We compare offers across 40+ lenders and pick the one most likely to approve your profile, at the best rate.
- 03
Documentation
We simplify the paperwork and structure it the way underwriters can underwrite — no guesswork.
- 04
Sanction & Support
Funds in your account — and continued assistance after disbursal. We stay with the case.
Trusted by Leading Banks & NBFCs
