Personal Loan

Daily Capital

What is a Personal Loan?

“Daily Capital” is a finance-focused website that provides valuable insights into various financial topics, including personal loans. A personal loan is a type of unsecured loan that individuals can borrow from banks, credit unions, or online lenders to meet their diverse financial needs. Unlike loans secured by collateral, such as a car or a home, personal loans are granted based on the borrower’s creditworthiness and ability to repay. These loans offer flexibility in usage, allowing individuals to use the funds for purposes like debt consolidation, home improvement, or unexpected expenses. Interest rates and repayment terms vary, and borrowers should carefully consider their financial situation before applying for a personal loan to ensure responsible and informed borrowing. “Daily Capital” serves as a valuable resource for individuals seeking comprehensive information on personal finance, aiding them in making informed decisions about their financial well-being.


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Personal Loan Features

Offers for New Customers

Offers for New Customers

3 Unique Variants

3 Unique Variants

Loan of up to Rs. 40 Lakh

Loan of up to Rs. 40 Lakh

Tenure of up to 84 Months

Tenure of up to 84 Months

No Guarantor / Collateral

No Guarantor / Collateral

No Hidden Charges

No Hidden Charges

Empower Your Financial Future

Your Gateway to Smart

Benefits of our Personal Loan

At Daily Capital, we understand that financial flexibility is key to achieving your dreams and overcoming unexpected challenges. Our personalized approach to personal loans is designed to empower you with the resources you need, offering a range of benefits to enhance your financial well-being.

  1. Flexible Repayment Options: Daily Capital provides a variety of repayment plans tailored to suit your individual needs. Whether you prefer a fixed monthly installment or a more flexible repayment schedule, we have options that can be customized to align with your financial goals.

  2. Competitive Interest Rates: We believe in offering fair and competitive interest rates to make borrowing affordable for our customers. Our transparent approach ensures that you understand the terms and conditions, allowing you to make informed decisions about your finances.

  3. Quick and Hassle-Free Application Process: Time is of the essence, and we value yours. With Daily Capital, applying for a personal loan is a seamless and quick process. Our user-friendly online platform ensures that you can complete your application with ease, saving you valuable time.

  4. No Hidden Fees: Transparency is at the core of our values. With Daily Capital, you won’t encounter any hidden fees or unexpected charges. Our commitment to clear communication means you can confidently manage your finances without worrying about hidden costs.

  5. Access to a Range of Loan Amounts: Whether you need a small loan to cover immediate expenses or a larger sum for a significant investment, Daily Capital provides access to a range of loan amounts. This flexibility allows you to borrow according to your specific financial requirements.

  6. Boost Your Credit Score: Responsible borrowing and timely repayments with Daily Capital can positively impact your credit score. As you consistently meet your repayment obligations, you’ll be on the path to improving your creditworthiness and financial standing.

  7. Dedicated Customer Support: At Daily Capital, we prioritize customer satisfaction. Our dedicated customer support team is available to assist you throughout the loan process, addressing any queries or concerns you may have. We’re here to guide you on your journey towards financial success.

  8. Secure and Confidential Transactions: We prioritize the security and confidentiality of your financial information. Daily Capital employs robust security measures to ensure that your personal and financial details are protected, giving you peace of mind when engaging in transactions with us.

Personal Loan Eligibility Criteria

  1. Age Criteria:

    • Typically, individuals between 21 and 60 years of age are eligible to apply for a personal loan.
    • Age requirements may vary among lenders.
  2. Employment Status:

    • Salaried individuals and self-employed professionals/business owners may qualify.
    • Stable employment with a minimum work experience, often ranging from 1 to 3 years.
  3. Minimum Income:

    • Lenders usually have a minimum income requirement that applicants must meet.
    • This can vary based on the city of residence and the lender’s policies.
  4. Credit Score:

    • A good credit score is often a crucial factor. A score above a certain threshold (commonly 650 and above) is preferred.
    • Some lenders may consider applications from individuals with lower scores but may offer higher interest rates.
  5. Debt-to-Income Ratio:

    • Lenders assess the applicant’s debt-to-income ratio to ensure they can manage additional debt.
    • A lower ratio increases the likelihood of loan approval.
  6. Employment Stability:

    • Salaried individuals may need to have a stable job with the current employer for a certain period.
    • Self-employed individuals may be required to demonstrate business stability.
  7. Residential Stability:

    • Having a stable residential address is often a requirement.
    • Lenders may consider the stability of residence as an indicator of the applicant’s reliability.
  8. Documents:

    • Furnishing accurate and complete documentation is crucial.
    • Common documents include identity proof, address proof, income proof, and bank statements.
  9. Relationship with the Bank:

    • Existing relationships with the lending institution, such as holding a savings account or being a credit cardholder, can be advantageous.
  10. Loan Amount and Tenure:

    • The desired loan amount and tenure should align with the applicant’s repayment capacity.

It’s important to note that these criteria can vary between lenders, and applicants should carefully review the specific eligibility requirements of the financial institution they are interested in. The information provided here serves as a general guideline for personal loan eligibility in India.


Daily Capital is a comprehensive online platform dedicated to providing up-to-date and insightful financial information. Whether you’re a seasoned investor or just starting to explore the world of finance, Daily Capital is your go-to source for news, analysis, and tips to help you make informed financial decisions.

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