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Personal Loan Features and Benefits

One needs to be of a minimum age of 21 years and should have a valid set of documents like ID, income and residence proof, among other documents, to avail a Personal Loan from KABIA.

To ease the burden of paying off the Personal Loan immediately, you may opt for the EMI (Equated Monthly Instalment) facility. The repayment tenure can range from anywhere between 12 to 60 months. If you’re an salaried customer, you can avail the best rates for Personal Loans!

You can choose your tenure and the amount that you are comfortable repaying each month for the chosen tenure. 

Turn your dreams into reality with a Personal Loan through KABIA. Take that vacation you have been delaying or complete the home renovation that has been pending.

Individuals who can take a Personal Loan:

  • Salaried Employees 

– Salaried doctors

– Employees of public and private limited companies

– Government sector employees including Public Sector Undertakings, Central and Local bodies

  • Minimum age of 21 years
  • Maximum age of 60 years at the time of maturity of the Personal Loan
  • Minimum net monthly income – Rs. 15,000

Documents required for Personal Loan:

  • Duly filled application form
  • KYC documents
  • Loan agreement duly signed and Standing Instruction (SI) Request / ECS Forms
Document category Documents required
KYC Document Any one of the following KYC documents(OVD) to be collected as per extant policy of RBI: • Passport • Driving license with Photograph • Proof of possession of Aadhaar number • Voter’s ID • Job Card by NREGA signed by an officer of the State Government • Letter issued by the National Population Register containing details of Name, Address
Date of Birth Proof Any one of the following: Passport, PAN Card. Aadhaar Card with DOB, Driving license with Photograph, Birth Certificate, School Leaving certificate
Signature Proof Any one of the following: Passport, Pan Card, Banker’s Verification
Proof of Income Latest 2 months pay slip, Latest 2 months bank statement, showing salary credits, One year Employment proof (Not required if DOJ mentioned in payslip and working for more than 1 year)
Other Important Documents and Checks Completely filled and duly signed application form along with applicants’ latest passport size colour photo, Self-attestation of borrowers on all documents

Disclaimer: This is an indicative list only. Additional documents may be asked for on a case-to-case basis.

Personal Loan Benefits With KABIA

End to End Digital Process

Our online personal loan services, provides you the flexibility to fulfill your personal/family's/short term needs like marriage/holiday trips etc. Apply for a personal loan online from the safety and convenience of your home or office

Customized Repayment Options

You get a need based personal loan or over draft facilities to suit your requirements

Manage home loans digitally

Once you avail a personal loan, you can access your personal loan account online. You can download account statements, interest certificates, request for personal loan disbursement and do much more.

Easy & Hassle free documentation

With minimal documentation, applying personal loan through KABIA is quick and hassle free. Our personal loan experts are available to help you in your loan application process and offer you assistance every step of the way.

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