Salaried Personal Loan for Private & Govt Employees
If you receive a monthly salary in your bank account, you can apply for an unsecured salaried personal loan through Loan ka Sathi. Our partner banks and NBFCs consider net take-home salary above ₹15,000, CIBIL 650+ and FOIR up to 70% — with sanction and disbursal in as little as 24 hours for complete files.
Loan ka Sathi is a DSA and does not lend money itself. Read the full eligibility criteria and keep your documents ready before applying.
Salaried Personal Loan Policy at a Glance
Minimum net salary
Above ₹15,000 per month
Minimum CIBIL
650+ (-1/0 NTC accepted up to ₹7 lakh)
Eligible employers
Proprietorship, Partnership, LLP, Pvt Ltd, Public Ltd, Govt (Class 4)
FOIR
Up to 70% as per salary
Age
21 to 55 years
Accommodation
Single stay / bachelor / friends allowed (NTH ₹25K+, PF verified)
Who Should Apply for a Salaried Personal Loan?
- Private company employees needing funds for a medical or family emergency.
- Government (Class 4) employees consolidating high-interest credit card dues.
- First-time borrowers with no credit history but a verified PF/EPFO record.
- Employees planning a wedding, home renovation, education fee or travel.
Estimate your monthly instalment first with the personal loan EMI calculator.
Salaried Personal Loan FAQs
What is the minimum salary for a salaried personal loan?
Net take-home salary must be above ₹15,000 per month. For single stay, bachelor or shared accommodation cases the net take-home should be ₹25,000 or more with PF/EPFO verification.
Which employers are eligible?
Proprietorship, Partnership, LLP, Pvt Ltd, Public Ltd and Government (Class 4) employers are considered by our partner lenders.
Is a zero deduction salary account accepted?
Yes, zero deduction salary cases are accepted by our lending partners, subject to their verification norms.
Can new-to-credit salaried applicants apply?
Yes. Applicants with -1/0 CIBIL are considered for funding up to ₹7 lakh with an EPF check.
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Check your salaried loan offer
Send us your salary and employer details on WhatsApp — we will revert with the lenders that fit your profile.