Instant Personal Loan Without Documents Upto ₹10 Lakh for Cibil Score > 750

Apply for an instant loan without Documents. Enjoy quick approval and disbursal with minimal hassle and no documentation required!

Eligibility: Cibil Score 750+ is Required to process
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How to Get a Personal Loan Without Documents?

At the present generation where everything demands quick results, it has become possible to get an instant loan without having to present any document. A common problem consumers face with conventional loans is the paperwork which is however not an issue with the emergence of fintechs, and virtually every lending institution provides loans with minimal documentation or even no documentation at all. This means that you can get quick cash without having to go through through the many rigorous procedures of identity confirmation through Instant Personal Loans.

In this article, you will find information about how loan without documents works, the advantages of such service, and how Fincover can assist you with it if you decided that this type of loan is optimal for you.

Comparison of Personal Loan Interest Rates of Banks (2025)

Bank	Interest Rate	Loan Amount	Processing Fee	Processing Time	Apply
DBS Bank	10.99% – 30.00%	₹25,000 to ₹15 Lakhs	1%–3% + GST	24–48 hrs	Apply
HDFC Bank	10.90% – 24.00%	₹50,000 to ₹40 Lakhs	Up to ₹6,500 + GST (~1–3%)	24–48 hrs	Apply
Axis Bank	From ~11.25%	₹50,000 to ₹15 Lakhs	1.5%–2% + GST	24–72 hrs	Apply
ICICI Bank	10.80% – 16.65%	Up to ₹50 Lakhs	0.5%–2% + GST	24–48 hrs	Apply
Bank of Baroda	10.49% – 18.75%	₹30,000 to ₹20 Lakhs	Up to 2% + GST	48–72 hrs	Apply
SBI	10.30% – 15.30%	₹10,000 to ₹35 Lakhs	Up to 1.5% + GST	2–3 working days	Apply
IndusInd Bank	From 10.49%	₹30,000 to ₹50 Lakhs	Up to 3.5% (2% online) + GST	24–48 hrs	Apply
Yes Bank	10.99% – 21%	₹100,000 to ₹40 Lakhs	Up to 2.5% + GST	24–48 hrs	Apply
Standard Chartered	11.49% – 17%	₹1 Lakh to ₹50 Lakhs	Up to 2.25% + GST	48–72 hrs	Apply
IDFC FIRST Bank	9.99% – ~10.75%	₹1 Lakh to ₹50 Lakhs	Up to 3.5% + GST	24–48 hrs	Apply
Kotak Mahindra Bank	From 10.99%	₹50,000 to ₹40 Lakhs	1%–2.5% + GST	24–48 hrs	Apply
Punjab National Bank	11.50% – 17.05%	Up to ₹20 Lakhs	Up to 1% + GST	2–3 days	Apply
Bandhan Bank	10.50% – 12.55%	₹50,000 to ₹25 Lakhs	Up to 3% + GST	48–72 hrs	Apply

Comparison of Personal Loan Interest Rates of NBFCs (2025)

NBFC	Interest Rate	Loan Amount	Processing Fee	Processing Time	Apply
Piramal Finance	From 12.99%	Up to ₹35 Lakhs	2%–3% + GST	24–72 hrs	Apply
Shriram Finance	From 14%	Up to ₹35 Lakhs	Up to 3% + GST	2–3 days	Apply
Tata Capital	From 10.99%	Up to ₹35 Lakhs	Up to 2.5% + GST	24–48 hrs	Apply
InCred	From 18%	Up to ₹10 Lakhs	2%–4% + GST	Instant to 24 hrs	Apply
Finnable	From 16%	Up to ₹10 Lakhs	Up to 3% + GST	24–48 hrs	Apply
Poonawalla Fincorp	From 9.99%	Up to ₹30 Lakhs	1%–2% + GST	24–72 hrs	Apply
Fullerton India	From 11.99%	Up to ₹25 Lakhs	Up to 3% + GST	1–2 working days	Apply
Axis Finance	From 13%	Up to ₹25 Lakhs	Up to 2.5% + GST	1–2 days	Apply
Mahindra Finance	From 10.99%	Up to ₹10 Lakhs	Up to 3% + GST	2–3 days	Apply
Aditya Birla Finance	From 11.99%	Up to ₹50 Lakhs	Up to 2.5% + GST	48–72 hrs	Apply
Bajaj Finance	From 11%	Up to ₹50 Lakhs	Up to 4% + GST	24–72 hrs	Apply

How to secure an Instant Personal Loan without any documents?

It is now very easy to secure an Instant personal loan without any documents from the digital loan service offering providers. Here are the steps to apply:

Select a Digital Lender: Select a digital lending platform or NBFC if they provide instant loan without documents required.
Complete the Online Application: The information required on the online application form includes name, age, employment status, and estimated monthly income. Almost all the platforms only need information that one can provide without having to go through the process of looking for documents to fill.
KYC Verification: Most of the digital lenders conduct e-KYC know your customer to identify you using your Aadhaar or PAN number. This process leaves no room for the use of paperwork.
Automated Verification: Lenders use AI technology with OCR that reads data from your ID proofs and other documents. The verification is done automatically
Approval & Disbursement: Once you complete the verification process, your loan is granted and the loan disbursal happens directly into your account within minutes or hours.

Advantages of Taking Instant Personal Loan without Documents

Quick Approval: Unlike the traditional banking system where one is required to fill so many forms, Instant Personal loans are approved quickly in digital lending processes. It can take hours or sometimes minutes to make approvals.
Minimal Paperwork: The use of e-KYC and digital banking do not require borrowers to multiple physical documents to the lenders unlike the earlier systems
24/7 Availability: A loan can be taken at any time, at any place. Online applications of loans are available in the round the clock
No Physical Visits: The simple fact is that it is all done online and there is no need to travel to the bank or a lender’s office.
Instant Disbursal: As soon as you get approval for the loan, it is credited directly to your bank account. A few lenders take a few minutes to a couple of hours to provide disbursal

Eligibility Criteria for Instant Personal Loan without Documents

While the Instant Personal loan process is pretty simple and straightforward, there are still certain eligibility criteria that you would have to meet as a borrower:
Employment: You should have some sort of steady cash flow be it from a job or a business which you embark upon. More preferably, banks expect their borrowers to receive monthly salary credit
Bank Account: You must have an active operational bank account with salary credits or income deposits on a daily, weekly, monthly or at any other frequency to prove that you have an operational bank account a-
Age: It is typical for banks to expect their borrowers to fall in the age group of 21-60
Income Level: Most of the lenders have a mandatory criterion that the applicant must have a minimum monthly income which ranges between INR 15000- INR 25000 for getting a loan.
e-KYC: You will also be required to undergo e-KYC by entering your Aadhaar and PAN detail. It is also important for some other lenders to confirm your employment through business records

How to apply for Instant Personal Loan without documents at Fincover?

Fincover is an online financial marketplace that aggregates different types of financial products such as Loans, Insurance, and Investments at one place. Fincover helps the user apply for an instant personal loan without documents with ease. Here’s how you can do it:

Visit the Fincover Website or App: To begin with, it is recommended to go to the official website of the Fincover platform or to download the app.
Choose the Personal Loan Option: Go to the Personal Loan category; here, you can choose the desired instant loans with no documents required.
Fill in Basic Information: You are required to fill your personal information about yourself such as your name, mobile number, and the status on your job. Ensure that you get the correct information.
E-KYC: You need to finalize the e-KYC, wherein you’ll have to give the Aadhaar number and the PAN number. Fincover uses these for fast and easy confirmation.
Instant approval and Disbursal: Once your details have been confirmed, Fincover connects you with reputable lenders to approve and release the Instant Personal loan amount to your bank within no time.

FAQ on Personal Loan without any documents

1. Is it possible to take a Personal loan without providing any documents?

Yes, it has become common for many digital lending institutions to provide Instant Personal loans without physical copy of documents through e-KYC and Digital Bank verification.

2. Is it risky to apply for an Instant Personal loan without documents?

You must be extra careful in identifying the best lender. As a lending aggregator, we have vetted all the loan providers to ensure they are safe and genuine; however, it is up to the users to read the terms, charges, and interest rates of the lenders.

3. How much can I borrow without any document?

You can avail a loan upto Rs. 10 Lakhs from certain lenders. However, please note that the lender would sanction the personal loan amount based on your repaying ability.

4. Is it mandatory to have good credit rating for applying for an instant loan without submission of documents?

Credit score is important but many of the digital lending platforms approve loans based on employment and income rather than credit score.

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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.

Who is the Author?

Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.

How is the Content Written?

The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.

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This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.

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Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).