Incred Finance
Personal Loan

Applicant Type

Salaried employees of private, public, or MNC companies

Employment

Minimum 2 years of total work experience with 1 year in current company.

Age Limit

23 – 55 years (at loan maturity)

Minimum Income

Minimum ₹20,000 per month (varies by city & profile)

Loan Amount

Loan amount up to ₹15 – 20 Lakhs

Credit Score

A good CIBIL score (700+) is preferred for quick approval

USP

No collateral or guarantor required

Documents Required

  1. Identity proof: Aadhar card, Passport, Voter ID, or Driver’s Licence
  2. Address proof: Aadhar card, utility bills, passport, or ration card
  3. Income proof:
    • For salaried individuals: Salary slip for the last 3 months or bank statement for the last 6 months.
    • For self-employed individuals: ITR (Income Tax Return) or bank statement for the last 6 months.
  4. Photographs: Passport-sized photographs.
  5. KYC documents: Proof of identity and address as per KYC guidelines.
  6. Application form: Filled application form with personal details and loan requirements.