IDIGI Customer Banking - AI Personal Loan Agent

Personal Loan Features

Quick Approval

Get instant loan approval with our AI-powered assessment system.

• Decision in minutes

• Automated processing

• Real-time updates

Competitive Rates

Enjoy attractive interest rates starting from 9.75% per annum.

• Rate based on credit score

• No hidden charges

• Transparent pricing

Flexible Terms

Choose loan tenure that suits your repayment capacity.

• Up to 7 years tenure

• EMI options available

• Prepayment allowed

Loan Process Steps

Complete Application Journey

Step 1: Interest Check

Step 2: Purpose Selection

Step 3: Offer Check

Step 4: Application ID

Step 5: Credit Score

Step 6: Best Offers

Step 7: Verification

Step 8: Decision

Step 9: Dates

Step 10: Completion

Frequently Asked Questions

What documents are required for personal loan?

For personal loan, you typically need: Valid ID proof (Aadhaar, PAN), Address proof, Income proof (salary slips, bank statements), and employment proof. Our system handles most verification automatically.

How is my loan amount determined?

Your loan amount is based on your monthly income, credit score, existing obligations, and repayment capacity. Generally, you can get up to 10-15 times your monthly income.

Can I prepay my loan?

Yes, you can prepay your personal loan after 12 months without any penalty charges. Part-prepayments are also allowed to reduce your interest burden.

How long does loan approval take?

With our AI-powered system, loan approval typically takes just a few minutes. Once approved, the amount is disbursed to your account on the same day or next working day.

Contact Us

Need More Help?

Our customer support team is here to assist you 24/7

1800-123-4567

support@idigi.com

Live Chat Available

IDIGI AI Agent Banking

Demo Account

IDIGI Banking