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Personal Loan Services

Instant Unsecured Financing

Quick, Collateral-Free Personal Loans Up to ₹40 Lakhs

A Personal Loan from Heli Consultancy offers complete financial freedom to meet planned or unexpected life expenses without pledging any assets or collateral.

Common Uses of Personal Loans

Wedding & Celebrations
Manage wedding venue, jewelry, & catering
Medical Emergencies
Instant cash for treatments & hospitalization
Home Renovation
Interior upgrade, painting, & repairs
Debt Consolidation
Pay off high-interest cards with single low EMI

Key Loan Specifications

Feature Details
Interest Rate Starting from 10.49% p.a. (Reducing balance basis)
Loan Amount ₹50,000 up to ₹40,00,000 (Based on salary/income)
Repayment Tenure 12 Months to 72 Months (6 Years)
Collateral / Security Nil (100% Unsecured Loan)
Approval Window Pre-approved in 2 Hours, Disbursed within 24 Hours
Prepayment / Foreclosure Flexible terms available across our 50+ banking partners

Apply for Personal Loan

Direct inquiry sent to our specialized personal loan team

Simple Criteria

Eligibility & Document Checklist

Heli Consultancy keeps documentation hassle-free so your loan gets sanctioned without delays.

For Salaried Applicants

Eligible for corporate employees, government staff, and private sector professionals.

  • Age Limit: 21 to 58 Years.
  • Min. Net Salary: ₹20,000/month (credited to bank).
  • Work Experience: Min. 6 months in current company (1 yr total).
  • Identity Proof: PAN Card & Aadhaar Card.
  • Income Proof: Last 3 Months Salary Slips.
  • Banking: Last 6 Months Salary Bank Account Statement.
  • Tax Proof: Latest Form 16 or ITR (if available).

For Self-Employed Individuals

Eligible for doctors, consultants, freelancers, and small business proprietors.

  • Age Limit: 23 to 65 Years.
  • Business Vintage: Min. 2 years of active business continuity.
  • Min. Annual Income: ₹2.5 Lakhs+ taxable income.
  • Identity & Address: PAN, Aadhaar, Utility Bill/Rent agreement.
  • Income Proof: Last 2 Years ITR with Computation & P&L.
  • Banking: Last 6 to 12 Months Current/Savings Statement.
  • Business Proof: GST Certificate or Shop Act License.
Got Questions?

Personal Loan Frequently Asked Questions

How fast can I get funds credited to my account?

Once your documents are verified digitally by our Heli Consultancy team, loan approval takes between 2 to 6 hours, and disbursal is completed within 24 to 48 hours.

Do I need to submit physical documents or visit a branch?

No! You can share your documents directly via WhatsApp (+91 98700 33647) or email. We manage the entire bank process digitally.

What CIBIL score is ideal for Personal Loan?

A CIBIL credit score of 700+ gets you the best interest rates (starting at 10.49%). However, if your score is slightly lower, our consultants can still match you with suitable NBFC partners.

Ready to Secure Your Personal Loan Today?

Chat directly with our loan manager on WhatsApp to check your exact loan eligibility and lowest rate quotation.

Instant WhatsApp Loan Help