Personal loans for planned and unplanned needs
Get the financial support you need with transparent pricing, flexible tenures, and quick processing—whether it's for medical expenses, education, home improvement, or other personal goals.
- Loan amount
- Based on eligibility
- Tenure
- Flexible repayment plans
- Usage
- Multi-purpose, as per policy
Tailored offers based on your profile and requirementsPersonal loan features
Designed to keep your cash flow comfortable
Our personal loans are structured with clarity and flexibility in mind, so you can borrow confidently and repay at a pace that works for you.
- Competitive interest rates
- Interest rates aligned with regulatory guidelines and your credit profile, clearly communicated before disbursal.
Flexible tenures & EMIs- Choose a repayment schedule that matches your income cycle, with EMI options explained in detail by our team.
Quick, transparent processing- Streamlined documentation, clear communication, and timely updates from application to disbursal.
Simple application journey
Four clear steps from enquiry to disbursal
Our team guides you through each stage, helping you understand eligibility, documentation, and repayment options before you commit.
- 1
Share your requirement
Connect with us through the contact page or at a branch and tell us what you're planning for—a personal, family, or lifestyle need.
- 2
Eligibility & documentation
We assess your eligibility, explain indicative loan amounts, and share the list of KYC, income, and other documents required.
- 3
Sanction & agreement
Once approved, you receive a sanction communication with interest rate, tenure, EMI, and charges clearly documented.
- 4
Disbursal & servicing
Funds are disbursed to your designated account, and our team supports you through the repayment period with statements and reminders.
What we typically ask for
Valid ID and address proof, income proof, and any additional documents based on your profile and loan amount.
Required documents
Documentation to help us serve you better
The exact list may vary based on your profile, but these are the documents commonly requested for personal loan applications.
- Identity proof
- Aadhaar card, PAN card, passport, or other officially valid documents as per applicable regulations.
- Address proof
- Recent utility bills, rental agreement, or other accepted documents confirming your current address.
- Income proof
- Salary slips, bank statements, ITRs, or other financial documents to help us assess repayment capacity.
Talk to our team
Ready to explore a personal loan with AFS?
Share a few details with us and our team will walk you through eligibility, estimated loan amounts, and the documentation required for your profile.