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A personal loan is more than just financial assistance — it’s the freedom to handle life’s important moments with ease. Whether it’s managing unexpected expenses, planning a dream vacation, funding education, or consolidating debts, Tru Loan is here to support your needs with quick and reliable personal loan solutions.

That’s why Tru Loan is committed to making your borrowing experience smooth, transparent, and stress-free. Our personal loan offerings are designed to suit every lifestyle, income level, and financial requirement — ensuring you get the right support at the right time.

With Tru Loan, you get competitive interest rates, flexible repayment options, minimal documentation, and fast approval — all in one place. We combine advanced digital processing with personalized guidance, giving you a perfect blend of convenience, trust, and confidence.

Interest Rate
10.5% p.a. onwards
₹25L
Loan Amount
Up to ₹25,00,000
5 Yr
Tenure
Up to 5 years
₹2999
Processing Fees
₹2,999/- to 5% of Loan Amount
Rates and offers subject to eligibility and change. T&C apply.
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Why Choose Tru Loans for Personal Loans?

Experience fast, flexible and hassle-free personal loan services

Attractive Interest Rates

Get competitive interest rates designed to make your EMIs more affordable and your financial planning easier.

Flexible Loan Amounts

Whether it’s medical expenses, travel, education or emergencies — choose loan amounts that match your needs.

Quick Approval & Disbursement

Minimal documentation and a smooth, fast approval process ensure your loan reaches you exactly when you need it.

Transparent Process

No hidden charges, clear terms, and complete transparency at every stage of your loan journey.

Dedicated Customer Support

Get expert guidance for eligibility check, documentation, disbursement and everything in between.

Eligibility Criteria

Check the basic requirements for applying for a Tru Loans personal loan

Criteria Details
Age Limit 21 – 60 years (at the time of loan maturity)
Nationality Indian Residents only
Minimum Income Salaried: ₹20,000 – ₹25,000 per month
Self-Employed: ₹2,00,000 per annum (varies by lender)
(actual requirement differs across lenders & cities)
Work Experience / Business Stability Salaried: 6 months – 1 year of employment
Self-Employed: 2–3 years business stability
Credit Score Recommended 700+ for faster approval
Calculate EMI Talk to an Expert

Documents Required

List of documents needed for both Salaried and Self-Employed applicants

Self-Employed Individuals

  • KYC: Photo, PAN, Aadhaar of Applicant
  • Business Proof:
    • GST Registration
    • Udyam / MSME Certificate
    • Shop Act / Gumasta License
    • Partnership Deed (Partnership Firm)
    • MOA / AOA / Incorporation Certificate (Pvt. Ltd.)
    • Company PAN
  • Last 6–12 months Bank Statement (Current Account)
  • Last 6 months Savings Account Statement
  • Last 2 years ITR (Individual/Business)
  • Last 1 year GST Returns (if applicable)
  • Office Address Proof (Electricity Bill / Rent Agreement)
  • Proof of Additional Income (if any)

Salaried Individuals

  • KYC: Photo, PAN, Aadhaar of Applicant
  • Latest 3–6 months Salary Slips
  • Last 6–12 months Bank Statement (Salary Credited)
  • Address Proof (Electricity/Gas Bill or Rent Agreement)
  • Form 16 for last 1–2 years (if required)
  • Company ID Card / Offer Letter / Employment Proof
  • Proof of Additional Income (if any)

Frequently Asked Questions

Get answers to the most common personal loan queries.

Your loan eligibility depends on income, credit score, age, employment stability, and existing EMIs. Many lenders offer personal loans from ₹50,000 up to ₹25–40 lakhs based on your profile.

Yes, some lenders accept alternate income proofs such as bank statements, Form 16, or income certificates. However, salary slips make approval much faster.

Common reasons include low credit score, unstable employment, insufficient income, multiple existing loans, or incomplete documentation. Improving your financial profile helps avoid rejection.

Personal loans are usually approved within a few hours to 48 hours, depending on document verification and your credit score. Some lenders offer instant digital approval.

Co-applicants may include spouse, parents, or earning family members. Adding a co-applicant may increase your loan eligibility and chances of approval.

Yes, personal loan prepayment/foreclosure is allowed. Charges vary by lender—many banks do not charge foreclosure fees on floating-rate loans.

A credit score of **700+** is recommended for easy approval and low interest rates. Some lenders approve loans with lower scores at higher interest rates.

We offer quick approval, minimal documentation, competitive interest rates, transparent processing, flexible repayment options, and personalised guidance throughout the loan journey.

Yes, if you have a good repayment history, many lenders allow top-up loans for additional funds without fresh documentation.

Common charges include processing fees, documentation charges, mandate setup charges, late payment penalties, cheque bounce charges, and foreclosure/prepayment fees (if applicable).

Loan EMI Calculator

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