Lakshya Skill Finance
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Personal Loan

Flexible personal finance for training, livelihood, and your next career move. Loans from ₹50,000 to ₹10 Lakhs at 1.25% per month (flat rate).

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Up to ₹10 Lakhs

Tier 1 cities. Up to ₹7L for Tier 2.

Up to 60 Months

Flexible tenure options

1.25% per month

Flat rate ROI

CIBIL 675+

NTC cases accepted up to ₹4L

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Eligibility Criteria

Salaried employees only (Self-employed not eligible)
Age: 21–60 years
Above 40 years: minimum salary ₹30,000
Minimum CIBIL: 675+ (NTC accepted up to ₹4 Lakhs)

Salary Criteria

Tier 1 Cities: Minimum ₹20,000 net salary

Tier 2 Cities: Minimum ₹15,000 net salary

Preferred bracket: ₹20,000–₹25,000+

Important Eligibility Note

Customers applying for a Personal Loan for loan takeover/closure, repayment of existing loans, credit card dues/payment, or similar purposes will be considered for loan eligibility only if they meet the required income-based eligibility criteria and other applicable lending criteria. The purpose or end-use of the loan alone does not guarantee eligibility or approval for a Personal Loan.

Eligibility and final approval will be subject to factors including, but not limited to:

  • Income and repayment capacity
  • Existing financial obligations and EMIs
  • Credit profile
  • Applicable lender eligibility criteria
  • Other relevant assessment parameters

Accepted Employer Types

  • Government
  • LLP
  • Public Ltd
  • Private Ltd
  • Partnership
  • Proprietorship

Salary Credit Modes

  • NEFT
  • IMPS
  • P2P/P2A/TPT (with company narration)
  • UPI salary credits not accepted

Documents Required

Aadhaar Card
PAN Card
Mobile Number
Gmail ID
Last 2 Salary Slips
3 Months Bank Statement

6 Months Bank Statement required for Partnership/Proprietorship employer cases.

Company Vintage Requirements

PF deducted → No company vintage required
Non-PF Private Ltd/Ltd → Minimum 1 year vintage
Partnership/Proprietorship → Active registration + GST vintage of 2 years + 6 months salary reflection

Residence Policy

  • Self-owned house
  • Parental house
  • Rental house
  • PG accommodation
  • Rented/PG with tin-sheet roof not accepted

Verification Policy

  • PF cases → No office verification
  • Non-PF → Office + Residence verification mandatory
  • Positive FI required wherever applicable

How It Works

1

Documents shared via email

2

Case logged in the system

3

Initial approval/rejection in 10–30 minutes

4

Customer downloads app and completes profile

5

Underwriting review conducted

6

Verification calls made to customer

7

Residence/Office FI conducted (if applicable)

8

Final sanction shared (Loan Amount, EMI, ROI, Fee, Tenure)

9

Video KYC completed

10

E-Mandate & Digital Agreement signed

11

Loan disbursed to account (same-day eligible)

Foreclosure Charges

0–12 months: 6.0% of principal outstanding + applicable charges

13–24 months: 4.0% of principal outstanding + applicable charges

>24 months: 3.0% of principal outstanding + applicable charges

Processing fee approx 3% onwards. Life Insurance as per age will be added to loan and net payment will be made.

Ready to Apply?

Check your eligibility and get instant approval in as little as 10–30 minutes.

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