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A personal loan is a loan that does not require collateral or security and is offered with minimal documentation. You can use the funds from this loan for any legitimate financial need. Like any other loan, you must repay it accordance to the agreed terms with the bank.

Features of personal loan

Personal loan EMIs starting Rs. 1,104/lakh*

Borrow as per your needs and manage your personal loan EMIs with ease.

Approval in 5 minutes

Meet our basic eligibility criteria and get instant approval.

Money in your bank in 24 hours*

Get your personal loan amount on the same day of approval.

45%* lower EMIs with Flexi personal loan

Pay interest-only EMIs and reduce your monthly instalments.

60 months to repay your loan

Choose a convenient tenor ranging up to five years.

No hidden charges

Read about the fees and charges on your personal loan and stay informed.

Eligibility criteria for personal loan




21 years to 67 years*

Work status



MNC, public or private company


Rs. 22,000 or higher, based on your city of employment

CIBIL score

750 or higher

Documents required for personal loan

You need the following documents while applying for a Pksoftech Personal Loan:

  • KYC documents
  • Employee ID card
  • Salary slips of the last 2 months
  • Bank account statements of the previous 3 months

To qualify for a Pksoftech Personal Loan, you only need to meet the eligibility parameters stated above. The minimum monthly salary criteria are based on the city you reside. While you are required to submit proof of your income, we try to ensure the process is as streamlined and hassle-free as possible with minimal documents.

Keep your basic KYC documents and bank statements handy when filling out the application form. On verification of your documents, your application will be approved, and you can get your personal loan in your bank account within 24 hours* of approval.

*Terms and Conditions apply

Features of personal loan

45%* lower EMIs with Flexi Loan

Repay with interest-only EMIs and reduce your monthly instalments with our Flexi facility.

Approval within 5 minutes

Meet our simple eligibility parameters and get instant approval on your application.

24 hours* disbursal

With a simple online application process, get money in your bank account on the same day of approval*.

Repay over 60 months

Pick a convenient tenor ranging from one to five years to repay your loan.

No collateral required

No guarantors or collateral are needed to get approval on your loan application.

No extra charges* on part-prepayment

Pre-pay your loan with surplus funds at no added cost with a Flexi loan.

Special offers for pre-approved customers

Our existing customers get quicker processing with special offers and a range of benefits.

Be it planned or unplanned expenses, urgent or elective needs, borrow a personal loan from Pksoftech to enjoy instant approval. The Pksoftech Personal Loan is an instant personal loan that requires no collateral or security. Use it for any purpose or to meet any goal without restriction. Common uses of an instant personal loan include financing medical treatment, home improvement, weddings, travel, or education.

Get up to Rs. 25 lakh with minimal documents by meeting simple eligibility criteria and get the money you need in your bank within 24 hours* of approval. Choose a repayment term that suits you and repay the loan with ease. Pre-pay the loan at any time without any added fees*.

You can also take advantage of our Flexi loan facility to withdraw and pre-pay funds within your loan limit as per your needs. What’s more, you can choose to pay interest-only EMIs for the first portion of the tenor to reduce your EMIs by up to 45%*.

Fast processing, minimal paperwork, and zero collateral make our instant personal loan a smart choice for Indian professionals. A competitive interest rate and no hidden charges make repayment easier too. To get quick access to funds, check your pre-approved offer from Pksoftech.

*Conditions apply

Apply for a personal loan in just a few minutes

Follow our simple step-by-step guide or personal loan process mentioned below to apply for a personal loan. You can start your online application now and resume it at a later instance based on your convenience.

  1. 1. Click on ‘Apply Online’ to open our online application form
  2. 2. Fill in a few details and verify the OTP sent to your phone
  3. 3. Enter your KYC and income data
  4. 4. Choose the loan amount you want to borrow
  5. 5. Submit your application

Our representative will call you to guide you on the next steps. The money will be transferred to your bank account in 24 hours*.

Frequently Asked Questions

EMI stands for Equated Monthly Instalments (EMIs), which is the fixed amount paid towards your personal loan repayment. It consists of both principal components and interest amounts. It gives you the ease and benefit of paying back the personal loan amount in smaller and easy instalments.

Yes, there are foreclosure and part-prepayment charges applicable on your personal loan. If you have surplus funds and want to part-prepay a portion of your loan, you will be charged 2% (plus taxes) on the part-payment amount as fees. You can part-prepay your personal loan only after you complete the payment of your first EMI. Your part-prepayment amount should be greater than one EMI.

If you want to foreclose your personal loan account, a foreclosure charge of 4% (plus taxes) on the outstanding amount is applicable.

With Pksoftech, you can avail up to Rs. 25 lakh with a host of benefits and at attractive interest rates. However, the final amount of your personal loan depends on your eligibility and factors such as your CIBIL score, monthly income, employers and others.

Pksoftech offers flexible repayment tenors ranging up to 60 months. You can select a repayment period of your choice that suits your budget and preference. To help you plan your finances better, you can use the Pksoftech Personal Loan EMI Calculator and choose a convenient tenor and EMI that makes the loan more affordable for you.

Pksoftech offers a personal loan of up to Rs. 25 lakh to help you meet your big-ticket expenses. This personal loan comes with instant approval within minutes, and you can get funds quickly – in just 24 hours*. With Pksoftech, you can also opt for the Flexi facility and reduce your monthly instalment by 45%* by paying interest-only EMIs.

Existing customers of Pksoftech may even qualify for pre-approved offers that come with some additional benefits, including faster processing and quick disbursal.

*Terms and conditions apply

You can apply online for a salaried personal loan in a few easy steps:

  • Click on ‘Apply Online’ to open the application form
  • Share your name and contact details to receive an OTP
  • Verify your identity by sharing your OTP
  • Fill in the application form with personal and financial detail
  • Choose a loan amount and repayment tenor that suits your requirement and submit the form
  • Submit the required documents to the representative who will get in touch with you
  • Get the loan amount in your account within 24 hours* of approval
*Terms and Conditions apply