Personal Loans for Salaried Professionals
Customized, low-interest credit lines designed specifically for salaried corporate and public employees.
Salaried employees benefit from highly structured and predictable cash flows. Because of this stability, our NBFC partners offer them exclusive interest rate discounts, higher credit limits up to ₹2,00,000, and fast, automated underwriting approvals.
Why Salaried Employees Choose Credit91
- Interest Rate Reductions: Salaried professionals with healthy CIBIL scores (750+) unlock our lowest tier rates starting at 11.99% p.a.
- No Assets/Collateral: Credit91 provides unsecured personal loans. You do not need to pledge property, mutual funds, or gold.
- Rapid Direct Transfer: Once the digital contract is e-signed, funds are disbursed directly to your primary salary bank account within hours.
Corporate Category Framework
Underwriting models classify corporate employers to determine rate discounts:
| Corporate Category | Eligible Employers | Lending Benefits |
|---|---|---|
| Category A Corporates | MNCs, Top IT firms, Public Sector Banks, Government Departments | Fastest automated approvals, lowest interest rates |
| Category B & C | Registered private companies, proprietorships with active GST | Standard competitive rates based on individual credit scores |
Income & Eligibility Criteria
To lock in salaried loan benefits, verify these thresholds:
- Salary Deposit Mode: Must be received via direct bank transfer from your employer. (Salary paid in cash or via personal UPI is currently not eligible).
- Minimum Net Income: ₹20,000 per month for Tier-1 cities | ₹15,000 per month for Tier-2 cities.
- Minimum Work Experience: At least 3 months in the current company.
Simple Document Requirements
No offline paperwork. Upload digital copies securely:
Recent 3 Months' Salary Slips
Salary Bank Statement (PDF)
Official Office Email ID (Optional)
PAN & Aadhaar Cards