One application. We match you to the lender most likely to approve you — at the lowest rate you qualify for. No shotgun applications. No unnecessary CIBIL damage.
Indicative rates for salaried professionals with CIBIL 750+. Actual rate depends on your profile.
| Lender | Interest Rate | Processing Fee | Max Amount | Disbursal |
|---|---|---|---|---|
| HDFC BankBest Rate | 10.50% – 14.25% | Up to 2.5% | ₹40L | 24 hrs |
| ICICI Bank | 10.75% – 16.50% | Up to 2% | ₹50L | 24–48 hrs |
| Axis Bank | 10.99% – 18.00% | Up to 2% | ₹40L | 24 hrs |
| Kotak Mahindra | 10.99% – 17.50% | Up to 2.5% | ₹35L | 24–48 hrs |
| Bajaj Finserv | 11.00% – 22.00% | Up to 3.93% | ₹40L | 24 hrs |
| Tata Capital | 11.25% – 19.00% | Up to 2.5% | ₹35L | 48 hrs |
| IDFC First Bank | 10.75% – 18.00% | Up to 3.5% | ₹40L | 24–48 hrs |
| Yes Bank | 11.50% – 20.00% | Up to 2% | ₹40L | 48 hrs |
Adjust the sliders to see your monthly EMI, total interest, and total repayment instantly.
* EMI calculated using reducing balance method. Actual EMI may vary based on lender terms.
Basic eligibility criteria for personal loans through OSC partner lenders.
Keep these ready for a faster approval. Digital upload supported.
Aadhaar, PAN, Passport, or Voter ID
Aadhaar, utility bill, or rental agreement
Salary slip or employment letter
Last 3–6 months statements
Last 3 months salary slips
Last 2 years for self-employed
Recent passport-size photo
Brief note on loan usage (optional)
Every rejected loan application leaves a hard inquiry on your CIBIL report — and can drop your score by 10–30 points. OSC pre-screens your profile against 50+ lenders using a soft check first. We only submit your application to the one lender most likely to approve you. One application. One inquiry. Zero unnecessary rejections.
Five simple steps from application to disbursal.
Share basic details — loan amount, income, employment. Takes 2 minutes. Soft check only.
We compare your profile across 50+ lenders and recommend the best fit.
Upload KYC and income documents digitally. Our advisor guides you through it.
Lender verifies and approves. Most approvals within 24 hours.
Loan amount credited directly to your bank account in 24–48 hours.
Common questions about personal loans through One Stop Credit.
Through OSC partner lenders, you can borrow from ₹50,000 up to ₹50 lakh depending on your income, credit profile, and lender policies. Most salaried applicants qualify for ₹1–15 lakh.
With complete documentation, most personal loans are disbursed within 24–48 hours. Pre-approved customers with select lenders may receive instant disbursal. OSC tracks your application status in real time.
No. OSC uses a soft inquiry to check your eligibility — this does not appear on your CIBIL report and has zero impact on your score. A hard inquiry only happens when you formally apply with a lender, and we ensure that happens with just one lender.
A score of 750+ gets you the best rates (10.5%–12%). Scores between 700–749 are eligible with most lenders at slightly higher rates. Below 700, options are limited but OSC can still match you with NBFCs and fintech lenders.
Income proof (salary slips, bank statements, or ITR) is required by all regulated lenders. However, some lenders accept bank statement-based assessment for self-employed applicants. OSC will guide you to lenders with the most flexible documentation requirements.
No. Personal loans are unsecured — you don't need to pledge any asset or property. Approval is based on your income, employment stability, and credit history.
Yes. Most lenders allow partial prepayment and full foreclosure after 6–12 months. Foreclosure charges range from 0% to 4% depending on the lender. OSC helps you compare foreclosure terms before you apply.
Typical charges include processing fee (0.5%–3.93% of loan amount), GST on processing fee, and possible foreclosure/prepayment charges. OSC provides a full cost breakdown before you sign — no hidden fees.
Check your eligibility in 2 minutes. Free, no CIBIL impact. Get matched to the best lender for your profile.
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