Personal Loan for Salaried Employees

For an average Indian salaried professional, the key and only source of income is monthly salary on which relies his entire household expenditure along with the responsibility to set aside some amount as savings. However, financial exigencies may crop up anytime leaving you in need of additional funds.


There are certain financial goals that cannot be achieved on income from salary alone. These goals may include home renovation, a dream wedding, some form of higher education at a reputed college/university, travel, buying a vehicle of choice, and more. This is where a personal loan for salaried individuals can help.


Clix Capital offers personal loan for salaried professionals, an unsecured loan, that doesn’t require any collateral or security. Clix Capital offers easy personal loan up to INR 10 lakhs at an attractive rate of interest to salaried professionals following a hassle-free application process. Since the entire loan application and approval process is completely online, you don’t even need to take a day off to visit any office or branch.


Additionally, you can avail a personal loan at a flexible repayment tenor of your choice ranging from 12 to 48 months, based on your income, budget, and convenience to pay back. To put a cherry on the cake, once your application is approved, the funds will be transferred to your account in 15 minutes!*


Do not let financial hurdles stop you from going for what you want or meeting emergent monetary requirements.

Personal Loan in Noida

How Will a Personal for Salaried Individuals Help Me?


A personal loan is versatile in its end use which means you can use the loan amount for any given purpose. Whether you’re in need of additional funds for a dream wedding, for higher education, modern home renovation/expansion, for consolidation of existing debts, medical emergency or any other personal reason; funds from a personal loan can be put to any use you see fit.


Let’s look at the scenarios where you can avail an instant personal loan:


    • For Debt Consolidation – You can easily consolidate all existing credit card or other debts with a single personal loan. This helps you save big towards interest payment.
    • For Financing a Big-ticket Purchase – You can avail a personal loan  to buy that dream gadget you’ve had in your sights or maybe the car you’ve been planning for. A personal loan is the best bet to have some additional funds to assist you.
    • For Costs Arising Out of Medical Emergency – Cater to any medical emergency with our instant personal loan online for salaried individuals! No need to exhaust your savings for handling a medical emergency when you can have easy access to additional funds.
    • For Travel/Wedding – Finance a memorable wedding with our personal loan for salaried individuals. Similarly, you can travel to your choice of destination with a personal loan for travel.
    • For Home Renovation/Expansion – Go all out with a personal loan for home renovation or expansion and give your home a dream makeover.



What Are the Benefits of a Personal Loan?


A personal loan is designed to ensure that your emergent or regular financial needs are met without much hassle. The loan application process is digitized, requires just a few basic documents to apply, followed by quick approvals. Let’s look at the benefits of a personal loan in detail:


    • Flexibility of End-use – You can avail an instant personal loan to meet a variety of financial requirements like wedding, travel, medical costs, home renovation, higher education, and more. However, the use of personal loan is restricted for illegal activities, gambling, speculation, and investment.
    • Easy Access to Funds – A personal loan guarantees quick and easy access to additional funds without any hassle.
    • Quick Approval & Disbursal of Funds – With Clix Capital, you get quick disbursal of funds after the application is approved. With a good credit score, you can receive a pre-qualified personal loan offer from us and jump from application to approval in just one step. Once you feed the repayment information into the system, the funds are disbursed to your bank account in less than 15 minutes. *
    • No Collateral – No need to pledge any valuable asset or bring in a guarantor in for loan approval. The personal loan is an unsecured one that is free from collateral.
    • Minimal Documentation – Gone are the days of pile of paperwork for a loan approval! We believe in the convenience of our borrowers while keeping the environment green at the same time which is why our loan application is paperless and requires just a few KYC and income documents to proceed.



Am I Eligible for a Personal Loan for Salaried Professionals?


Most salaried individuals, whether in the private or government sector, with a minimum monthly income of INR 20,000 are eligible for a personal loan for salaried individuals. Here’s a look at the other factors of eligibility for a personal loan:


    • You need to be a residing citizen of India
    • You need to be between 21 and 58 years of age
    • Your monthly income should be above INR 20,000
    • Your total work experience should be more than or equal to 12 months
    • You should be employed with the same company for more than or equal to 6 months



What Documents Do I Need to Apply for a Personal Loan for Salaried?


We believe in keeping it simple, easy and hassle-free for our borrowers when it comes to the documents required to apply for an instant personal loan. Here are the few basic documents we’d need in order to proceed:


    • A passport size photograph
    • Government ID Proof (Aadhar Card/PAN Card/Voter ID)
    • Address Proof
    • Income Proof (latest 1 month pay slip or Form 16 from the current employer)


All of these documents can be verified online without the need to upload anything!

We can take a picture for you while you apply too! Everything is online!



How Do I Apply for a Personal Loan From Clix Capital?


We understand how challenging it is for salaried professionals to manage the requirement for additional funds. Whether you are faced with an urgent financial need or have been planning a big-ticket purchase, we’d love to extend you a personal loan to meet your financial obligations.


If you meet the eligibility criteria, let’s get you started without any further ado.


All you have to do is follow the steps below to avail an instant personal loan from Clix Capital:


    • Click here to access the online loan application form
    • You’d be asked to verify your phone number by submitting an OTP.
    • Furnish your PAN details at the next step
    • Share employment details
    • Submit


If your application meets our eligibility criteria, our system will display a personal loan offer exclusively for you. On accepting the offer, just set your desired loan tenure and repayment information and the funds will be disbursed to your bank account within 15 minutes*.


For any queries, find us on Facebook, Instagram or Twitter

You can also reach out to us at or call us at +91-120-6465400


Benefits of personal loan

What Documents Do I Need to Provide?

Completed Application Form

  • We will provide you with a run-of-the-mill application form to detail out all the information we need before processing your personal loan request.

Passport-Size Photograph

  • This photograph should be fairly recent and indicative of your current physical appearance.

Identity (ID) Proof

  • This can be either your Aadhaar Card, PAN Card, or Government ID (if you happen to be a government employee).

Address Proof

  • Your Aadhaar Card is the go-to document here. In case your current address is not updated in Aadhaar card, one certified copy of any Official Valid Document (OVD) is required. These OVDs are either your Passport, Voter ID, or Driving License.

Income Proof

  • This comes in the form of your latest one-month pay slip or Form 16 for the current year.

How Do I Apply For Personal Loan online from Clix Capital?

application form
1. Fill out the application form. It only takes 3 minutes to do so!
online chat
2. Check out & approve applicable interest rate, tenure and EMIs
loan approved
3. Congratulations! The personal loan for salaried employees is disbursed to your bank account.


How to calculate the Personal Loan EMIs that I have to pay for my Salaried Loan?

You simply use a Personal Loan calculator to know the EMIs . Input the details asked, and in the blink of an eye get the EMI amount.

Additionally, this mathematical formula can be followed:EMI = P × r × (1 + r)n/((1 + r)n – 1)

where P is the loan amount, r is the interest rate, and n is the number of months in the tenure.

What is the ideal salary to apply for a Personal Loan at Clix Capital?

A salary of ₹ 20,000 per month is required to get Clix Capital’s instant Personal Loan.

What are the Eligibility Criteria of Salaried Professionals for a Personal Loan?

Here is the quick list:

  • Indian citizen between 21 to 58 years of age
  • Salaried employee with a minimum salary of ₹ 20,000 per month
  • Experian score of 630
  • 12 months of work experience with six months in the current company

What is the tenure of a Personal Loan for salaried employees?

The tenure for an instant Personal Loan at Clix Capital is 12 to 48 months. We take into account income and repayment capacity to determine the most suitable tenure for you. You can also calculate the tenure by yourself with the help of a Personal Loan calculator.

Is collateral needed for a Personal Loan for salaried employees?

No collateral required. We don’t require a guarantor either. When you apply for a Personal Loan for Salaried Employees, apply if the eligibility meets you. Say yay to a collateral-free loan by sharing your phone number with us.

What is the minimum credit score required for a Personal Loan?

The minimum Experian score required for a Personal Loan is 630. Do understand, a high credit score may help you get a lower interest rate and higher loan amount.

Sounds too good to be true?

Get in touch now and we’ll show you that simple, fast, and accessible personal loans are really possible!

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