Confirm the conditions
Understand the rate, charges, repayment schedule and conditions before accepting an offer.
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01 / Personal Loans
Personal Loans
For the plans that matter.
From home improvements to education and personal needs, explore potentially suitable loan options with guidance on the terms that matter.
Discuss your requirementsA clearer
conversation.
Falcon helps you understand your profile, explore options within its available partner network, compare relevant terms and navigate documentation and application processing.
Questions worth asking
- Which options may suit my profile?
- What are the interest rate, fees and tenure?
- What are the part-payment and pre-closure conditions?
Available products, eligible profiles, rates, fees, tenure and other conditions vary by lender. Falcon provides consultancy and support; the lender makes the eligibility and approval decisions.
General information about personal loans
For your plans.
And the unexpected.
Personal loans are generally unsecured loans used for needs such as home improvements, travel, education, medical expenses and personal projects. Falcon helps you explore relevant available lender options.
Gather the documents
Prepare the identity, income and address information required by the lender.
Complete the application
Proceed through the relevant application process with the appropriate consent and support.
Await the lender’s decision
The bank or NBFC assesses the application and decides whether to sanction and disburse.
Experience, applied with care
20+years of personal-loan experience.
Understanding people, comparing loan programmes and supporting the journey from the first conversation to the next step.
10,000+customers served
Why choose FalconPersonal-loan options
Terms that fit
your circumstances.
- Interest rates starting from
- 9.99% p.a.*
- Available repayment tenure
- Up to 9 years*
*Starting rate and maximum tenure are subject to the lender, product, eligibility and credit assessment. Your approved rate and tenure may differ. Confirm processing fees, taxes, APR where provided, and the total repayment before accepting an offer.
Ask for your optionsRepayment options that fit your circumstances
A payment plan.
A considered choice.
Discuss how the loan amount, tenure and monthly repayment fit your income and circumstances. Compare shorter and longer terms, including total interest and charges.
Existing-debt consolidationPersonal projectsHome improvementsTravel & life events
Ask about available payment methods, auto-debit arrangements, payment dates, part-payment and early-closure rules. These are lender-specific.
Explore your EMI ↗Points to consider before taking a personal loan
Choose with
the details in view.
Evaluate your financial situation
Look at income, regular expenses and existing obligations before choosing a repayment you can sustain.
Compare interest rates
Compare available lender quotes together with their fees and total repayment. A lower headline rate is only one part of the comparison.
Consider loan tenure
A shorter term generally increases the EMI and reduces total interest under the same rate assumptions. A longer term can do the reverse.
Understand your credit profile
Check the information in your credit report and discuss recent applications. A score alone does not guarantee a particular rate or approval.
Understand the fees
Ask about processing fees, taxes, part-payment and foreclosure charges, lock-in periods and other applicable conditions.
Personalised loans
Your needs.
Your loan conversation.
Loan programmes should be considered alongside your income, profile and goals. Put the repayment details in view before you decide.
Explore your EMI01Loan tenure flexibility
Explore repayment periods up to 9 years where available. Compare a shorter term with a longer one, including how each changes your monthly EMI and total interest. The lender determines the final available tenure.
02Custom repayment plans
Discuss your income, existing obligations, preferred tenure and a monthly payment you can sustain. Ask about auto-debit, online repayment and payment dates for the specific lender product.
03Dedicated loan advisors
Get guidance on CIBIL and eligibility considerations, bank and loan-programme comparisons, documentation and application follow-ups. Clear status updates and continued support are part of Falcon’s approach.
04Part-payment and pre-closure options
Compare available part-payment allowances, lock-in periods, foreclosure conditions, charges and taxes. Low or NIL processing-fee and prepayment-charge options depend on the lender and product; confirm the written terms.
05Clear charges and access to funds
Ask for a breakdown of the interest rate, processing fee, taxes and other applicable costs. Falcon supports the process and documentation; approval and transfer of funds to your bank account follow the lender’s checks and conditions.
The complete application journey
Eight steps.
A clearer process.
From the first profile discussion to disbursement, know what Falcon supports and what the lender decides.
- 01
Profile and eligibility discussion
Discuss your requirement, employment, existing commitments and relevant credit-profile considerations. Any bureau enquiry needs the appropriate consent.
- 02
Interest rate and charges
Review the available rate of interest (ROI), processing fees, taxes, tenure and repayment conditions.
- 03
Documentation
Confirm the lender-specific identity, address, income and existing-loan document checklist.
- 04
Application / login
Proceed with the relevant lender’s application process after reviewing the terms and providing the required consent.
- 05
Prepare for bank verification
Understand what the lender may need to verify and which additional information may be requested.
- 06
Lender verification
The bank or NBFC independently carries out its checks and credit assessment.
- 07
Sanction decision
If the lender approves the application, review the sanctioned amount, rate, fees and all written conditions.
- 08
Loan disbursement
After the lender’s conditions are met, disbursement follows its process. Falcon can help with status updates.
“Login” means submitting an application to the lender. This website does not create a bank account, submit a lender application or make a credit decision automatically.
Channel partners for Personal Loan & OD / Flexi Loan
Banks. NBFCs.
Relevant options.
Falcon provides loan consultancy and channel-partner support. It is not a bank or lender, and its team is not presented as direct employees of these banks. The lending partner independently assesses each application.
HDFC Bank
ICICI Bank
Axis Bank
IDFC FIRST Bank
Bandhan Bank
Tata Capital
Bajaj Finserv
Poonawalla Fincorp
Axis Finance
Our bank and NBFC networkDrag to explore · Hover or focus to pause
Unsecured overdrafts for salaried employees
Explore unsecured overdraft facilities for salaried employees. Discuss currently available OD / Flexi products, eligibility, drawdown, repayment and charges with Falcon.
Explore OD / Flexi guidance ↗Availability, eligibility and terms vary by lender. A partner relationship is not an approval guarantee.
Plan before you proceed
EMI Calculator.
A monthly view.
Enter an amount, annual rate and loan period in years or months. See your EMI, total interest and repayment schedule.
Monthly EMI
- Principal amount
- Total interest
- Total repayment
Reducing-balance illustration; excludes processing fees, taxes and insurance. The example rate is illustrative; ask Falcon about current offers. Calculated privately on your device. Rounding and the lender’s schedule may differ. Input ranges help you explore scenarios and do not indicate product availability.
View repayment schedule
Illustrative monthly principal, interest and remaining balance. Fees and actual payment dates are excluded.
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | ₹21,242.12 | ₹12,917.12 | ₹8,325.00 | ₹9,87,082.88 |
| 2 | ₹21,242.12 | ₹13,024.66 | ₹8,217.46 | ₹9,74,058.22 |
| 3 | ₹21,242.12 | ₹13,133.09 | ₹8,109.03 | ₹9,60,925.13 |
| 4 | ₹21,242.12 | ₹13,242.42 | ₹7,999.70 | ₹9,47,682.70 |
| 5 | ₹21,242.12 | ₹13,352.67 | ₹7,889.46 | ₹9,34,330.04 |
| 6 | ₹21,242.12 | ₹13,463.83 | ₹7,778.30 | ₹9,20,866.21 |
| 7 | ₹21,242.12 | ₹13,575.91 | ₹7,666.21 | ₹9,07,290.30 |
| 8 | ₹21,242.12 | ₹13,688.93 | ₹7,553.19 | ₹8,93,601.36 |
| 9 | ₹21,242.12 | ₹13,802.89 | ₹7,439.23 | ₹8,79,798.47 |
| 10 | ₹21,242.12 | ₹13,917.80 | ₹7,324.32 | ₹8,65,880.67 |
| 11 | ₹21,242.12 | ₹14,033.67 | ₹7,208.46 | ₹8,51,847.00 |
| 12 | ₹21,242.12 | ₹14,150.50 | ₹7,091.63 | ₹8,37,696.50 |
| 13 | ₹21,242.12 | ₹14,268.30 | ₹6,973.82 | ₹8,23,428.20 |
| 14 | ₹21,242.12 | ₹14,387.08 | ₹6,855.04 | ₹8,09,041.11 |
| 15 | ₹21,242.12 | ₹14,506.86 | ₹6,735.27 | ₹7,94,534.26 |
| 16 | ₹21,242.12 | ₹14,627.63 | ₹6,614.50 | ₹7,79,906.63 |
| 17 | ₹21,242.12 | ₹14,749.40 | ₹6,492.72 | ₹7,65,157.23 |
| 18 | ₹21,242.12 | ₹14,872.19 | ₹6,369.93 | ₹7,50,285.04 |
| 19 | ₹21,242.12 | ₹14,996.00 | ₹6,246.12 | ₹7,35,289.04 |
| 20 | ₹21,242.12 | ₹15,120.84 | ₹6,121.28 | ₹7,20,168.19 |
| 21 | ₹21,242.12 | ₹15,246.72 | ₹5,995.40 | ₹7,04,921.47 |
| 22 | ₹21,242.12 | ₹15,373.65 | ₹5,868.47 | ₹6,89,547.81 |
| 23 | ₹21,242.12 | ₹15,501.64 | ₹5,740.49 | ₹6,74,046.18 |
| 24 | ₹21,242.12 | ₹15,630.69 | ₹5,611.43 | ₹6,58,415.49 |
| 25 | ₹21,242.12 | ₹15,760.82 | ₹5,481.31 | ₹6,42,654.67 |
| 26 | ₹21,242.12 | ₹15,892.02 | ₹5,350.10 | ₹6,26,762.65 |
| 27 | ₹21,242.12 | ₹16,024.33 | ₹5,217.80 | ₹6,10,738.32 |
| 28 | ₹21,242.12 | ₹16,157.73 | ₹5,084.40 | ₹5,94,580.59 |
| 29 | ₹21,242.12 | ₹16,292.24 | ₹4,949.88 | ₹5,78,288.35 |
| 30 | ₹21,242.12 | ₹16,427.87 | ₹4,814.25 | ₹5,61,860.48 |
| 31 | ₹21,242.12 | ₹16,564.64 | ₹4,677.49 | ₹5,45,295.84 |
| 32 | ₹21,242.12 | ₹16,702.54 | ₹4,539.59 | ₹5,28,593.30 |
| 33 | ₹21,242.12 | ₹16,841.59 | ₹4,400.54 | ₹5,11,751.72 |
| 34 | ₹21,242.12 | ₹16,981.79 | ₹4,260.33 | ₹4,94,769.93 |
| 35 | ₹21,242.12 | ₹17,123.17 | ₹4,118.96 | ₹4,77,646.76 |
| 36 | ₹21,242.12 | ₹17,265.72 | ₹3,976.41 | ₹4,60,381.05 |
| 37 | ₹21,242.12 | ₹17,409.45 | ₹3,832.67 | ₹4,42,971.59 |
| 38 | ₹21,242.12 | ₹17,554.39 | ₹3,687.74 | ₹4,25,417.21 |
| 39 | ₹21,242.12 | ₹17,700.53 | ₹3,541.60 | ₹4,07,716.68 |
| 40 | ₹21,242.12 | ₹17,847.88 | ₹3,394.24 | ₹3,89,868.80 |
| 41 | ₹21,242.12 | ₹17,996.47 | ₹3,245.66 | ₹3,71,872.33 |
| 42 | ₹21,242.12 | ₹18,146.29 | ₹3,095.84 | ₹3,53,726.04 |
| 43 | ₹21,242.12 | ₹18,297.36 | ₹2,944.77 | ₹3,35,428.69 |
| 44 | ₹21,242.12 | ₹18,449.68 | ₹2,792.44 | ₹3,16,979.01 |
| 45 | ₹21,242.12 | ₹18,603.27 | ₹2,638.85 | ₹2,98,375.73 |
| 46 | ₹21,242.12 | ₹18,758.15 | ₹2,483.98 | ₹2,79,617.59 |
| 47 | ₹21,242.12 | ₹18,914.31 | ₹2,327.82 | ₹2,60,703.28 |
| 48 | ₹21,242.12 | ₹19,071.77 | ₹2,170.35 | ₹2,41,631.51 |
| 49 | ₹21,242.12 | ₹19,230.54 | ₹2,011.58 | ₹2,22,400.97 |
| 50 | ₹21,242.12 | ₹19,390.64 | ₹1,851.49 | ₹2,03,010.33 |
| 51 | ₹21,242.12 | ₹19,552.06 | ₹1,690.06 | ₹1,83,458.27 |
| 52 | ₹21,242.12 | ₹19,714.83 | ₹1,527.29 | ₹1,63,743.43 |
| 53 | ₹21,242.12 | ₹19,878.96 | ₹1,363.16 | ₹1,43,864.47 |
| 54 | ₹21,242.12 | ₹20,044.45 | ₹1,197.67 | ₹1,23,820.02 |
| 55 | ₹21,242.12 | ₹20,211.32 | ₹1,030.80 | ₹1,03,608.69 |
| 56 | ₹21,242.12 | ₹20,379.58 | ₹862.54 | ₹83,229.11 |
| 57 | ₹21,242.12 | ₹20,549.24 | ₹692.88 | ₹62,679.87 |
| 58 | ₹21,242.12 | ₹20,720.31 | ₹521.81 | ₹41,959.56 |
| 59 | ₹21,242.12 | ₹20,892.81 | ₹349.31 | ₹21,066.74 |
| 60 | ₹21,242.12 | ₹21,066.74 | ₹175.38 | ₹0.00 |
Find your ideal loan
Send us a message.
We’ll contact you.
Whether you have a question about loan eligibility, interest rates, documentation, or need guidance through the application process, we’re here to help.
Prefer a conversation? +91 80501 18067 ↗This is a consultation enquiry, not an automated credit assessment or loan approval. Required fields are marked *. Company and salary are required for salaried applicants.
