How to Get Personal Loan Without Salary Slip in India – आजकल पर्सनल लोन लेना बहुत आसान हो गया है, लेकिन ज्यादातर लोग यही सोचते हैं कि “अगर मेरे पास सैलरी स्लिप नहीं है तो क्या मैं पर्सनल लोन ले सकता हूँ?”
असल में, बिना सैलरी स्लिप के भी आप आसानी से पर्सनल लोन ले सकते हैं, बस आपको सही बैंक या NBFC (Non-Banking Financial Company) चुननी होगी और कुछ alternate documents ready रखने होंगे। इस आर्टिकल में हम बताएंगे step by step process, eligibility criteria, documents required और कुछ टिप्स ताकि आप आसानी से fast approval personal loan without salary slip in India पा सकें।
Personal Loan Without Salary Slip in India – Overview
पर्सनल लोन बिना सैलरी स्लिप के उन लोगों के लिए best है जो:
- Freelancers हैं
- Self-employed हैं
- Business owners हैं
- Part-time या gig workers हैं
आपको बस अपनी financial stability और repayment capacity दिखानी होगी। कई NBFCs और fintech apps ऐसे हैं जो सिर्फ bank statement, IT return और income proof देखकर personal loan approve कर देते हैं।
Key Benefits:
- Quick approval
- Flexible repayment options
- No need for employer documents
- Applicable for urgent needs like medical, education, travel, or home renovation
Eligibility Criteria for Personal Loan Without Salary Slip
| Criteria | Details |
|---|---|
| Age | 21-60 years |
| Income | Minimum ₹15,000 per month (varies by lender) |
| Employment | Self-employed / Freelancer / Business / Contractual |
| Credit Score | 650+ for higher approval chances |
| Documents | Bank statements, IT returns, PAN card, Aadhaar |
Documents Required (Alternative to Salary Slip)
- Bank Statements – Last 6 months of salary or income transactions
- Income Tax Return (ITR) – Last 1-2 years (especially for self-employed)
- PAN Card – Identity proof
- Aadhaar Card / Voter ID / Passport – Address proof
- Business Proof (if self-employed) – GST certificate, business registration, or invoices
- Other Income Proof – Freelance invoices, rental income proof, or other sources
Note: कुछ fintech apps सिर्फ PAN और Aadhaar verify करके भी instant personal loan provide करते हैं।
Banks Offering Personal Loan Without Salary Slip
- State Bank of India (SBI)
- Offers personal loans for self-employed professionals or women entrepreneurs.
- Requires bank statements and IT returns instead of salary slips.
- HDFC Bank
- Provides personal loans for salaried and self-employed customers.
- Minimal documentation: bank statements, income proof (IT returns), or business documents.
- ICICI Bank
- Offers personal loans to salaried and self-employed individuals.
- Can approve loans with bank statements and tax returns.
- Axis Bank
- Personal loans without salary slips for self-employed or professionals.
- Requires proof of income like Form 16, bank statements, or IT returns.
- Bajaj Finserv
- Instant personal loans with minimal documentation.
- Self-employed applicants can provide bank statements or ITRs.
- Kotak Mahindra Bank
- Offers personal loans for self-employed, freelancers, and entrepreneurs.
- Income proof can be IT returns or bank statements.
- Fullerton India
- Non-banking financial company (NBFC) offering loans without salary slips.
- Fast approval with bank statements & identity proof.
Top Banks & NBFCs Offering Loan Without Salary Slip
- Bajaj Finserv Personal Loan – Instant approval, flexible EMI
- PaySense / CASHe – Only bank statement & PAN required
- HDFC Personal Loan for Self-employed – IT return based
- ICICI Bank Personal Loan – Business owners friendly
- Indiabulls Finance – Fast disbursal within 24-48 hours
Step-by-Step Process to Apply
- Check eligibility – Use online eligibility calculator
- Choose lender – Based on approval speed & interest rates
- Prepare documents – Bank statements, ITR, PAN, Aadhaar
- Apply online – Many NBFCs offer 100% online application
- Verification & KYC – Lender may call for additional details
- Loan approval & disbursal – Money credited directly to bank account
Tips for Fast Approval
- Maintain a good credit score (650+)
- Keep bank statements clean without overdrafts
- Choose fintech apps for instant disbursal
- Avoid applying to multiple lenders at once (affects credit score)
- Keep all income documents ready
FAQ – How to Get Personal Loan Without Salary Slip in India
Q1. Can I get a personal loan without salary slip if I am self-employed?
Yes, self-employed individuals can apply using ITR and bank statements instead of salary slips.
Q2. How much loan can I get without salary slip?
It depends on your income shown in bank statements or ITR, generally ₹50,000 to ₹25 lakhs.
Q3. Is interest rate higher without salary slip?
Yes, typically 12%-24% depending on lender and credit score.
Q4. Can freelancers apply for instant loans?
Absolutely, apps like CASHe, EarlySalary, and MoneyTap provide instant loans to freelancers.
Q5. Is collateral required?
No, personal loans are generally unsecured, even without salary slips.
Conclusion
बिना सैलरी स्लिप के भी personal loan लेना संभव है, बस आपको alternate income proof ready रखना होगा और सही lender चुनना होगा। Bank statement, ITR और PAN आपकी सबसे बड़ी मदद करेंगे। अगर आप अपनी financial health सही रखते हैं, तो loan approval fast और आसान हो जाएगा।