Structured Personal Loans
Flexible lending solutions for stressful financial situations
We offer flexible loan solutions tailor made to suit your unique requirements without any collaterals even if you have a poor credit score to reboot your finances again.
Flexible Loan Amount & Tenure
Transparent Process
Customize Solution
No Collateral
Consolidate your debt on the way to financial freedom
If managing high credit card debt and increasing interest rates has been stressful, a personal loan might be the fresh start you need. By consolidating your debt into a single manageable loan, designed to suit your financial situation, you could significantly lower your monthly burdens.
At Phillip Finance and Investment Services India Private Limited, we firmly believe that “Everyone who has the intent and ability to repay deserves access to credit.” It is this belief that drives us to offer Personal Loans with flexible terms, making credit accessible to all, no matter the situation.
Ready to take the next step towards financial freedom? We're here to help.
PhillipCapital Personal Loan Utilities?
This product is perfect if you want to
Improve credit score (CIBIL)
Boost your CIBIL score with timely repayments and responsible borrowing.
Pay off high-interest credit cards
Consolidate and clear expensive credit card debt with lower interest rates.
Clear loans from friends or family
Settle personal loans gracefully while maintaining relationships.
Manage payments to money lenders
Replace high-interest money lender payments with affordable loan rates.
Make the most of your total family income
Leverage combined family income for better loan eligibility and terms.
Access loans as proprietor/small business owner
Get business loans tailored for proprietorships and small enterprises.
Key Features
Discover the key features that make our personal loans flexible, convenient, and ideal for your financial needs. Before you connect to our representative, here are some points you need to know.
- Loan Amount - ₹1 lakh to ₹10 lakh
- Interest Rates (FLAT) - 15% to 30% per annum
- Interest Rates (Reducing) - 24% to 55% per annum
- Lock-in Period - A 1-year lock-in period
- Penalty - 0% + GST pre-payment penalty
- Loan Tenure - 1 to 3 years
- Overdraft Facility - Available
- Pre Payment: - Available
- Guarantor Requirement: - Flexible
- Geographical Limits - Mumbai, Navi Mumbai, or Thane
Eligibility
Curious if you qualify for a personal loan? Our eligibility criteria are simple and straightforward. If you’re salaried or self-employed, have a stable income, and a decent credit score, you’re already on your way. We’ll guide you through understanding all the requirements so you can get started without hassle.
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- Minimum Age - 21 years
- Maximum Age - 60 years at the time of loan maturity
- Minimum Monthly Income: ₹15,000 per month
Documentation
We believe in keeping things easy, and that includes the paperwork. Our documentation process is minimal—no endless stacks of forms. We only ask for the essentials like ID proof, address proof, and income details. We’re here to ensure you have everything sorted for a smooth application process.
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- PAN Card
- Aadhar Card with Date of Birth
- Home Ownership Proof
- 3 most recent salary slips
- Current bank statements
Discover the Process
Step 1
Choose Your Loan Amount and Tenure
Pick the loan amount that meets your needs
and set the repayment period that works best for you.
Step 2
Share Basic Details
Provide your personal and work information—just the essentials, and it won't take long.
Step 3
Review Your Details
Double-check your loan amount and tenure to ensure everything is correct.
Step 4
Confirm and Submit Your Application
Once you're happy with your details, confirm and submit your application with just one click.
Step 5
Get Your Loan Disbursed
After approval, receive the funds directly in your account, quickly and hassle-free.
FAQs on Personal Loan with PhillipCapital
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