Compare & Apply for Personal Loans from 9.99%*

Personal loan interest rates (typically ranging from 9.99% to 24.00% p.a.) are determined by commercial banks based on your credit score (750+ gets prime rates), monthly in-hand salary, employer categorization (Category A MNCs get lower rates), existing Debt-to-Income (DTI) ratio, and total work stability.

No. When you submit your loan requirements on Earth Wealth Group, we conduct an initial soft assessment with our algorithm. This soft eligibility inquiry causes ZERO impact or reduction to your official CIBIL credit score.

The processing fee (typically 1.00% to 2.50% + GST) is charged exclusively by the lending bank or NBFC, NEVER by Earth Wealth Group. Under our strict Zero Advance Fee Policy, this fee is directly deducted by the bank from your sanctioned loan amount upon final disbursal. You should never pay any upfront money.

Disbursement takes between 03 to 48 Hours As per profile. Corporate salaried applicants with pre-approved offers and digital KYC can receive instant funds in as little as 3 to 12 hours, while standard applications with manual income verification are typically completed within 24 to 48 hours.

Earth Wealth Group is an authorized financial distributor and Direct Selling Agent (DSA) partner connecting prospective borrowers with Reserve Bank of India (RBI) regulated commercial banks (HDFC Bank, ICICI Bank, Axis Bank, IDFC FIRST Bank) and NBFCs (InCred). We are not an NBFC or banking institution ourselves.

Salaried applicants require PAN Card, Aadhaar Card (linked to mobile), latest 3 months salary slips, and last 6 months bank statement (PDF). Self-employed individuals need PAN, Aadhaar, last 2 years ITR with computation, and 12-month current account bank statements.

Yes. Most banks permit part-prepayment or full foreclosure after 12 EMIs. Notably, IDFC FIRST Bank offers zero foreclosure charges from the borrower's own funds after 12 months, while HDFC, ICICI, and Axis Bank charge nominal foreclosure fees (typically 2% to 4% + GST) as per loan contract.

Unfortunately, scheduled commercial banks and RBI-regulated NBFC partners require direct electronic salary transfers into a bank account with verifiable digital statements. Pure cash salary profiles are not eligible for personal loans under current banking guidelines.