Get Loans up to ₹4,00,000 for ₹45,000 Salary Earners
Quick Loan Approval
Easy and Hassle-Free Application
Swift Disbursal of Funds
Features and Benefits of ₹45,000 Salary Personal Loan
If you earn ₹45,000 per month, Kreditbazar’s trusted NBFC partners provide personal loans up to ₹4,00,000 to help you meet your financial needs and aspirations.
Fast Personal Loan Approval
Thanks to Kreditbazar’s partnerships with top-rated NBFCs, you can get quick approval for personal loans up to ₹4,00,000, offering fast financial solutions for ₹45,000 salary earners.
Apply for a Loan Easily from Home
Skip the paperwork hassle! Kreditbazar’s user-friendly online application process allows ₹45,000 salary earners to apply for a loan conveniently from the comfort of their home.
Effortless and Quick Application
With minimal documentation required, Kreditbazar ensures a seamless and rapid application process, making it simple for ₹45,000 salary earners to access financial support.
Unsecured Loans Without Collateral
Kreditbazar offers unsecured loans up to ₹4,00,000, which means ₹45,000 salary earners can apply without needing to pledge any assets.
Quick Loan Disbursal
Once your loan is approved, funds are transferred quickly to your account, allowing you to address immediate financial needs without delays.
Flexible Repayment Options
With flexible EMI options, Kreditbazar’s partnered NBFCs ensure ₹45,000 salary earners can manage loan repayments comfortably, adjusting to their financial situation.
Use Our EMI Calculator for ₹45,000 Salary Loans
Easily plan your monthly loan repayments with our EMI calculator, designed specifically for ₹45,000 salary earners, helping you manage your loan payments efficiently.
Loan EMI
₹ 24,959
Total Interest Payable
₹ 34,90,279
Total Payment
(Principal + Interest)
₹ 59,90,279
Your monthly instalment:
₹888
Quick & Swift Steps for your ₹45,000 salary personal loan
Enabling you to traverse our digital delight with pace and ease
Easy Registration
Start off your loan process by sharing your basic details.
Eligibility Check
Access system-generated pre-approved offer based on your details.
Buy Subscription
Proceed with our digital services through our benefits-studded subscription.
Apply via Login Link
Access your loan login link to complete your loan application process.
Where to Use Your ₹45,000 Salary Personal Loan
A personal loan for ₹45,000 salary from Kreditbazar can be used for various purposes, including:
Fees & Interest Rates for ₹45,000 Salary Personal Loan
Kreditbazar offers access to personal loans with competitive interest rates and transparent fee structures. By partnering with multiple NBFCs, we offer loan options specifically designed for ₹45,000 salary earners, ensuring affordable repayment plans.
| Fee Type | Amount |
|---|---|
| Rate Of Interest | Starting from 16% p.a. on a reduced balance basis |
| Processing Fee | Starting from 2% of the loan amount plus GST |
| Tenure | 3 to 36 months |
| APR | Starting from 18% |
| Bounce Charge | ₹500 plus GST |
| Late Payment Charges | ₹500 plus GST or 3% of the total loan amount, whichever is higher as per the overdue amount |
| Stamp Duty | 0.1% of the loan amount |
| Mandate Rejection Charges | ₹250 plus GST |
| Pre-Clouser Charges | Nil |
Documents Required for ₹45,000 Salary Personal Loans
To apply for a personal loan with a ₹45,000 salary, you will need the following documents:
Identity Proof
Passport/Aadhaar card/ PAN card/driver's license
A Selfie
A clear picture of yours with proper lighting
Address Proof
Passport/rent agreement/ utility bills/voter’s ID
Proof Of Income
Bank statements/salary slips for the last 3 months
Eligibility Criteria for ₹45,000 Salary Personal Loan
To qualify for a personal loan through Kreditbazar’s NBFC partners, you must meet the following requirements:
Age
Above 21 and below 55 years
Minimum In-Hand Salary
Metropolitan Cities: ₹45,000 | Non-Metropolitan Cities: ₹40,000
Resident
A resident of India
FAQs on ₹45,000 Salary Personal Loan
Get Answers to All Your Questions About Applying for and Managing a ₹45,000 Salary Personal Loan.
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How can I apply for a ₹45,000 salary personal loan through Kreditbazar?
You can apply for a ₹45,000 salary personal loan online by filling out the application form on the Kreditbazar website, which connects you with partnered NBFCs for loan approval.
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What is the maximum loan amount I can get with a ₹45,000 salary?
With a ₹45,000 salary, you can avail a personal loan of up to ₹5,00,000 depending on your eligibility and the lender’s criteria.
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What are the eligibility criteria for a ₹45,000 salary personal loan?
To apply for a ₹45,000 salary personal loan, you need to be between 21 and 55 years of age, have a minimum in-hand salary of ₹45,000, and be a resident of India.
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How quickly will my ₹45,000 salary loan be approved?
Loan approval for ₹45,000 salary personal loans is typically quick. Once you submit your application and documents, approval can take as little as 24 hours, depending on the lender.
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Can I get a ₹45,000 salary personal loan without collateral?
Yes, personal loans for ₹45,000 salary earners are unsecured, meaning you do not need to provide any collateral to secure the loan.
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What documents do I need to apply for a ₹45,000 salary personal loan?
To apply for a ₹45,000 salary personal loan, you need to submit identity proof, address proof, income proof (such as salary slips or bank statements), and a selfie.
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How are the interest rates for ₹45,000 salary personal loans determined?
Interest rates for ₹45,000 salary personal loans are determined based on factors like your credit score, the lender's policies, and your loan amount. Rates typically range from 10% to 18% per annum.
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What is the maximum tenure available for a ₹45,000 salary personal loan?
The maximum loan tenure for a ₹45,000 salary personal loan typically ranges from 12 months to 60 months, depending on the lender’s terms and conditions.
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Can I prepay my ₹45,000 salary personal loan?
Yes, you can prepay your ₹45,000 salary personal loan, but some lenders may charge a prepayment fee. It’s advisable to check the loan agreement for specific terms.
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How do I check the status of my ₹45,000 salary personal loan application?
You can check the status of your ₹45,000 salary personal loan application by logging into the Kreditbazar portal or contacting the customer service team of the partnered NBFC.
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What is the minimum salary required to apply for a personal loan?
To apply for a personal loan through Kreditbazar, the minimum in-hand salary required is ₹45,000 per month.
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What are the benefits of applying for a ₹45,000 salary personal loan through Kreditbazar?
Applying for a ₹45,000 salary personal loan through Kreditbazar gives you access to competitive interest rates, easy documentation, flexible repayment options, and fast loan approval.
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Can I apply for a ₹45,000 salary personal loan if I am self-employed?
Yes, you can apply for a ₹45,000 salary personal loan if you are self-employed, provided you meet the income and other eligibility criteria specified by the lender.
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What is the process for disbursal of the ₹45,000 salary personal loan?
Once your ₹45,000 salary personal loan is approved, the funds are disbursed directly into your bank account within a few hours or up to 1-2 business days, depending on the lender.
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What happens if I miss a payment on my ₹45,000 salary personal loan?
Missing a payment on your ₹45,000 salary personal loan can lead to late fees and damage to your credit score. It’s important to make timely payments to avoid these consequences.
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Can I apply for a ₹45,000 salary personal loan if I have a low CIBIL score?
A low CIBIL score may reduce your chances of loan approval. However, some lenders may approve loans with a lower score but may offer higher interest rates. It’s best to check with Kreditbazar’s partners.
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How can I improve my chances of getting approved for a ₹45,000 salary personal loan?
Improving your credit score, ensuring all required documents are submitted, and maintaining a stable income can improve your chances of getting approved for a ₹45,000 salary personal loan.
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What is the best way to repay my ₹45,000 salary personal loan?
The best way to repay your loan is by setting up automatic EMIs, ensuring timely payments each month, and opting for a tenure that fits your monthly budget.
