Personal Loans

Easy application process

Apply for a Personal Loan When Life Needs Quick Funding

No collateral. No long explanations. Just funds when you need them most , handled responsibly and transparently.

Eligibility Criteria

Check the basic eligibility requirements to apply for a Personal Loan.

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Age Criteria

Applicant should be between 21 to 60 years at the time of loan maturity.

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Employment Status

Salaried professionals and self-employed individuals with stable income are eligible.

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Income Requirement

Minimum monthly income should meet the lender’s criteria based on city and employer type.

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Credit Score

A good credit score increases approval chances and helps secure better interest rates.

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Work Stability

Continuous employment or business stability is required as per lender norms.

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Existing Obligations

Existing EMIs should be within acceptable limits as defined by the lender.

Documents Required

Keep the following documents ready to apply for a Personal Loan.

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Identity Proof

PAN Card, Aadhaar Card, Passport, or Voter ID.

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Address Proof

Aadhaar Card, utility bills, passport, or rental agreement.

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Employment Proof

Company ID card, appointment letter, or employment certificate.

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Income Documents

Recent salary slips, bank statements, Form 16, or ITR.

Personal Loan EMI Calculator

Estimate your Personal Loan EMI based on loan amount, interest rate, and tenure.

Monthly EMI

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Total Interest Payable

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Total Amount Payable

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* EMI is indicative. Final terms depend on lender approval.

Talk to a Personal Loan Expert

Frequently Asked Questions

What is a Personal Loan?
A Personal Loan is an unsecured loan that helps you meet personal financial needs such as medical emergencies, travel, education, weddings, or debt consolidation without providing any collateral.
Who is eligible to apply for a Personal Loan?
Salaried and self-employed individuals with a stable income, good credit history, and minimum age criteria as per lender guidelines can apply for a Personal Loan.
What is the maximum loan amount I can get?
The loan amount depends on your income, credit score, repayment capacity, and lender policies. Generally, personal loans range from β‚Ή50,000 up to β‚Ή40 lakhs.
What is the tenure of a Personal Loan?
Personal Loan tenures typically range from 12 months to 60 months, allowing you to choose flexible repayment options based on your comfort.
Is collateral required for a Personal Loan?
No, Personal Loans are unsecured loans and do not require any collateral or security.
How is the EMI for a Personal Loan calculated?
EMI is calculated based on the loan amount, interest rate, and tenure. You can use the Personal Loan EMI calculator to estimate your monthly repayment easily.
Are there any prepayment or foreclosure charges?
Prepayment or foreclosure charges may apply depending on the lender and loan terms. Some lenders offer zero or minimal charges after a certain period.

Apply for Personal Loan

Whatever you need β€” from urgent expenses to personal goals β€” Keystones makes borrowing simple, fast, and stress-free. Apply for your personal loan today and access funds with minimal documentation. Enjoy flexible repayment options and guidance that keeps your finances on track while you focus on what matters most.

Apply now to get an online sanction










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