Personal Loan

Personal loan from ₹5,000 – ₹50,000

Quick, paperless and unsecured — for medical bills, travel, education, home repairs or any personal need.

₹5,000 – ₹50,000Loan amount
12% – 40% p.a.Interest rate
3 – 6 monthsTenure
8% + GSTProcessing fee
Benefits

How a Kohinoor Fintech personal loan helps

Quick disbursal

Once approved, the amount is credited directly to your bank account.

Minimal documentation

Just PAN, Aadhaar and income proof — uploaded from your phone.

No collateral

An unsecured loan, so you don't need to pledge any assets.

No foreclosure charges

Close your loan early whenever you are ready.

Build your credit score

On-time repayments are reported to credit bureaus and help your score.

Full cost upfront

Interest, fees and APR are in your Key Fact Statement before you sign.

Use it for

One loan, many needs

Medical needs

Travel

Education & courses

Home renovation

Wedding expenses

Household expenses

Quick apply

Check your eligibility

Share a few details and our team will guide you through the application in the Next Capital app.

  • Takes 2 minutesNo documents needed at this step
  • Regulated lenderYour loan is with Billus Investments Private Limited, an RBI-registered NBFC
Please enter your name.
Enter a valid 10-digit Indian mobile number.
Enter a valid email address.
PAN should look like ABCDE1234F.
Please select an amount.
Please select your employment type.
How it works

Your loan in 4 simple steps

A 100% digital journey, from sign-up to disbursal.

1

Download the app

Install the Next Capital app and sign up with your mobile number.

2

Complete your profile

Add basic personal, employment and income details.

3

Upload KYC

Verify PAN and Aadhaar digitally — no branch visit needed.

4

Get funds

Review the Key Fact Statement, e-sign, and receive money in your bank account.

Eligibility

Who can apply

Simple criteria — check them in under a minute.

  • Age 21 to 60 yearsResident of India
  • Monthly income ₹10,000 or moreSalaried or self-employed
  • Valid PAN and AadhaarFor e-KYC and credit check
  • Active bank accountIn your own name, for disbursal and EMI mandate
Documents

What you'll need

No physical paperwork — upload everything from your phone.

  • PAN CardIdentity and credit bureau check
  • Aadhaar Carde-KYC and address verification
  • Income proofSalary slip or bank statement
  • Utility billCurrent address proof, if different from Aadhaar