Not every expense comes with the same notice. Some are planned well in advance, while others arise unexpectedly. From a special occasion, holiday or home improvement to an unforeseen expense or medical emergency, additional funds can help make the difference. At Pinkcity Fincap, our Personal Loan offers convenient access to funds through a simple process, helping you manage a wide range of personal expenses with greater ease.
Calculate your EMI and explore repayment options in just a few clicks.
Everything you need to know about availing a Personal Loan starts here.
| Eligibility | Requirement |
|---|---|
| Age | 21 to 60 years |
| Employment | Salaried Individuals |
| Income | Regular and stable source of income, subject to the applicable minimum annual income requirement |
| Credit score | Good credit score, based on credit bureau history |
| Repayment capacity | Adequate repayment capacity as per applicable credit policy |
| Nationality | Resident of India |
Aadhaar Card, PAN Card, address proof, photographs and other valid KYC documents
Latest salary slips, bank statements, Form 16/ITR, employment proof and other supporting income documents, as applicable
With nearly three decades of experience in financial services, Pinkcity Fincap brings a considered approach to every
customer relationship.
We believe financial support should be accompanied by clarity, responsiveness and a
process that feels easy to navigate.
Our Personal Loan offering reflects this approach, with attention to the
experience at every stage — from application to repayment.
A Personal Loan is an unsecured loan that can be used to meet a wide range of personal expenses. It can be used for planned needs such as a special occasion, holiday or home improvement, as well as unexpected expenses such as a medical emergency.
No. A Personal Loan is an unsecured loan, so you do not need to pledge any asset or provide collateral or security to avail the loan.
Once the loan is approved and the required documentation and formalities are completed, the sanctioned loan amount is disbursed to the applicant's bank account, subject to the applicable terms and conditions.
The processing and disbursement time may vary depending on the completeness of the application, documentation and other applicable requirements. Once all required formalities are completed, the loan can proceed towards disbursement as per the applicable process.
Tax benefits are not generally available simply because you have taken a Personal Loan. Eligibility for any tax benefit depends on the end use of the loan and the applicable provisions of the Income Tax Act. Customers are advised to consult a tax professional for guidance based on their individual circumstances.
Missing a repayment may result in applicable charges and can affect your credit history. If you anticipate difficulty in making a repayment, it is advisable to contact Pinkcity Fincap at the earliest to understand the available options.
A good credit history is an important consideration when evaluating a Personal Loan application. Applications with a lower credit score may be considered based on the overall credit profile and other applicable eligibility criteria.
Joint applications may be permitted subject to the applicable eligibility criteria and loan policy. The income and credit profile of the co-applicant may also be considered as part of the application.