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Indiabulls Personal Loan

Immediate and at the lowest rate

Live your way of life with Indiabulls Personal Loan which has been customized to fulfil your financial needs.

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Indiabulls Personal Loan


Eligibility criteria

The first thing you need to apply for the loan is to match the eligibility criteria. Meet all requirements and funds will be in your account in no time after finishing the application process.


Both salaried and self-employed people can apply for a personal loan. The criteria to get the fund is the basic one that most of banking and financial institutions ask for to ensure that the fund is being disbursed to an eligible applicant.


Your application must meet the following requirements:


· CIBIL score should be a minimum 750


· KYC documents must be in order


Documents Needed


After meeting the above criteria, one should provide proof of identification, residence, age, livelihood, and tax submission. For this, many documents will be required which include: PAN Card, Voter ID, Aadhaar Card, Passport, Driving License, Electricity Bill, Telephone Bill, Ration Card, latest six months bank statement from the salaried or business account, last three months' salary slips, employment certificate or Identity, office address proof, Form 16, latest income tax returns, and recent passport size photograph.



  • Applicant must be an Indian resident
  • The applicant's age must be between 21 and 68 years
  • · A salaried applicant must be an employee of either a Private Limited Company or or a Public Limited Company or MNC
  • CIBIL score should be a minimum 750
  • KYC documents must be in order
  • Should have 3+ years of work experience
  • Last three months' salary slips
  • Furnish employee ID card when/where required
  • Minimum salary should be
    INR 15,000 for a Non-Metro City
    INR 20,000 for a Metro City

Documents for Salaried


Proof of Identification

  • PAN Card
  • Voter ID
  • Aadhaar Card
  • Passport
  • Driving License

Proof of Residence

  • Voter ID
  • Aadhaar Card
  • Passport
  • Driving License
  • Electricity Bill
  • Telephone Bill
  • Ration Card

Proof of Age

  • PAN Card
  • Driving License
  • Passport
  • Voter ID
  • Aadhaar Card

Proof of Livelihood

  • Latest six months Bank statement from the salaried or business account
  • Last three months' salary slips
  • Employment Certificate or Identity
  • Proof of Office Address: The acceptable options are: i.)Electricity Bill ii.)Telephone Landline Bill

Proof of Tax submission

  • Form 16
  • Latest Income Tax Returns
  • Appearance
  • Recent Passport-Size Photographs


  • Applicant must be an Indian resident
  • Age should be between 21 to 68 years
  • No criminal record
  • Applicant’s business operations must be running for a minimum of three years
  • CIBIL score should be minimum 750
  • KYC documents must be in order
  • Should also match the annual turnover requirement
  • NO default history

Documents for Self



Application form with photograph

Proof of Identity

Self-attested photocopy of any one of the following
  • Driving license
  • Passport
  • Voters ID
  • Aadhaar Card
  • PAN


Valid identity / Residence / Signature proof

Income Proof

  • Form 16/ITR for last 3 years
  • Latest 6 months Bank Statements


  • e-KYC
  • c-kYC

How to improve your Indiabulls Personal Loan Eligibility?

Follow these tips to improve your Indiabulls Personal Loan Eligibility –

Get Rid of Debts

Maintain a good repayment history by paying off your existing loans and liabilities on time without defaulting

Maintain a good CIBIL Score

Try to build a CIBIL score above 750

Do not apply for multiple loans simultaneously

Apply for a loan that fits your needs, raising multiple loan applications can decrease your credit worthiness

Choose a longer loan tenure

Opt for a longer repayment tenure that will allow you to disburse the overall due amount over a longer time span. This will also help in reducing the EMI amount.

Add Co-applicants

A co-borrower (a spouse, or parent) with a good income and credit score will boost your eligibility for a bigger loan amount.


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