Airtel Personal Loan


Airtel Personal Loans are digital credit solutions offered through the Airtel Thanks App, enabling eligible users to access instant funds without visiting a branch or submitting physical paperwork.

By combining telecom data with financial insights, Airtel Finance offers customised loan offers based on user creditworthiness. Learn more about its eligibility, interest rates, EMI calculations, documentation, and comparisons with other personal loan options, helping the borrower make an informed borrowing decision.


Airtel Finance, launched in September 2024, is a loan aggregator offering personal loans from ₹10,000 to ₹9,00,000 at interest rates starting from 12.75% p.a., with instant approval, no collateral, and 100% digital processing via the Airtel Thanks App.

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Table of Contents:

Airtel Personal Loan Highlights

​Airtel Finance personal loans range from an amount of ₹10,000 to ₹9,00,000, ensuring assistance for people in immediate need of money. With a 100% digital application process and instant disbursal, they make the process convenient for various financial needs, such as weddings, travel, medical emergencies, or education.

Airtel Finance serves as a loan aggregator, partnering with various banks and NBFCs to offer personal loans. This allows customers to compare and apply for loans from multiple lenders quickly through their platform.

Airtel Personal Loans are provided through Airtel’s fintech platform in partnership with RBI-registered NBFCs. These loans are typically unsecured, meaning no collateral is required. Loan amounts can vary, depending on the user’s eligibility and repayment capacity.

The key features include:

Loan Amount Between ₹10,000 and ₹9,00,000
Interest Rate As low as 12.75% p.a.
Tenure Between 3 to 60 months.
Disbursal Time The loan is credited within 24 hours.
Fees & Charges The fee ranges between 2% and 5% + GST.

Airtel Personal Loan Interest Rate

Airtel offers personal loans with competitive interest rates to others in the market. The interest rate typically falls between 12.5% and 24% per annum, depending on the borrower’s credit profile, income stability, and loan amount.

Here, interest is calculated on a reducing balance basis, and all charges are disclosed before final acceptance.

Airtel Personal Loan Fee & Charges

You should be aware of various charges related to a personal loan before applying for one. These include processing fees, late payment penalties, and other applicable costs. Knowing these in advance helps you plan better and avoid surprises during your repayment journey.

Airtel personal loans may carry certain fees, including:

  • Processing Fee: The processing fee is typically 2% to 5% of the sanctioned loan amount.
  • Late Payment Penalty: Applicable if EMI is missed (in most cases, it is as per partner NBFC terms).
  • Bounce Charges: These charges are imposed on failed auto-debit transactions.
  • Prepayment/Foreclosure Charges: Dependent on partners, as some offer zero charges after a lock-in period.

All fees are transparently shown before the loan agreement is finalised, complying with the RBI’s Fair Practices Code.

Airtel Personal Loan Eligibility

In order to qualify for the Airtel Finance Loan, applicants must meet the following criteria:

  • Residency: Be an Indian resident
  • Age limit: Aged 21 to 60 years
  • Income: Have a regular monthly income (salaried or self-employed), with a minimum of ₹25,000.
  • Employment: Minimum of 2 years in employment and at least 1 year with the current employer.
  • Credit score: Maintain a credit score of 650+
  • Previous user: Be an Airtel mobile or Payments Bank user
  • KYC: Have a verified KYC profile (Aadhaar and PAN)

The applicant eligibility is assessed automatically using telecom usage patterns, credit history, and partner NBFC scoring models. However, only Airtel mobile or Airtel Payments Bank users can access these loan offers through the Airtel Thanks App.

Documents Required for Airtel Personal Loan

Airtel Finance Loans stands out with its benefit of minimal documentation for personal loans. Some documents include:

  • PAN Card: for identity and credit bureau verification
  • Aadhaar Card: for KYC and mobile number linkage
  • Bank Account Details: for disbursal and EMI debit

The entire KYC and verification process is digital, requiring no physical signatures or in-person visits.

Airtel Personal Loans Vs Other Personal Loans

Airtel Instant Personal Loan services specialize in providing some of the best loan offers available in the market for its applicants. Airtel loans are ideal for users seeking quick, short-term financing with minimal formalities, while traditional personal loans offer lower rates for larger amounts but require more paperwork.

Here is a comprehensive comparison of Airtel personal loans and traditional loans:

Feature Airtel Personal Loan Traditional Bank Loan
Processing Time Instant (within minutes) 2–7 business days
Application Mode 100% digital via app Online or branch-based
Documentation Aadhaar + PAN Income proof, address proof
Credit Access Wider, even lower file users Based on income statements
Interest Rate 12.75% onwards 10%–18% p.a.
Note: The interest rates are subject to change based on the lender and the applicant’s profile. For more accurate details, visit the official website of Airtel Finance Loans.

Personal Loan EMI Calculator

Check the EMI of your loan with ease using the Personal Loan EMI Calculator. Enter your loan amount, interest rate & loan tenure to know your EMI.

EMI stands for Equated Monthly Installment, which is a method of repayment of the total amount you owe, as equal instalments within a certain period, until the total amount (including interest) is paid.

You can estimate your monthly EMI using the following formula:

EMI = [P × R × (1 + R)N] / [(1 + R)N - 1]

Where:

  • P = Principal loan amount
  • R = Monthly interest rate (Annual Rate ÷ 12 ÷ 100)
  • N = Loan tenure in months

This formula gives a clear understanding of your financial obligations before accepting a loan offer.

Airtel Personal Loan EMI Calculation

Using the above formula, we can take an example and calculate the EMI values for the Airtel Personal Loan EMI calculation.

These will be the data, for example

  • Loan Amount: ₹50,000
  • Interest Rate: 12.75% per annum
  • Tenure: 12 months
  • Monthly Interest Rate (R): 12.75 ÷ 12 ÷ 100 = 0.010625.

Using the above-explained formula, the calculation can be done as follows:

EMI = (1 + 0.010625)12 − 150,000 × 0.010625 × (1 + 0.010625)12 / ((1 + 0.010625)12 - 1)

Which will be equal to,

  • Monthly EMI: ₹4,483
  • Total Repayment: ₹4,483 × 12 = ₹53,796
  • Total Interest Payable: ₹53,796 – ₹50,000 = ₹3,796

Benefits of Airtel Personal Loan

Airtel instant personal loans are one of the most versatile and easily accessible personal loan methods in the market. There are various reasons why an individual can benefit best from this platform.

  1. Instant approval and disbursal through a mobile app

    2. You can get your loan approved and credited within minutes, directly through the Airtel app.

  2. Large amount disbursal upon creditworthiness: from ₹10,000 to ₹9,00,000

    3. Airtel Finance allows you to borrow any amount between ₹10,000 and ₹9,00,000, based on your eligibility.

  3. Flexible repayment tenure: 3 to 60 months

    4. Airtel Finance allows you to choose a repayment period that fits your budget, from 3 to 60 months.

  4. No collateral or guarantor required

    5. You don’t have to pledge any assets or bring a guarantor to get the loan with Airtel personal loans.

  5. Paperless documentation using Aadhaar and PAN

    6. You can complete your application online using just your Aadhaar and PAN. That ensures a 100% digital application, no paperwork.

  6. Prepayment facility (subject to partner terms)

    7. You can repay your loan early if allowed by the lending partner, possibly saving interest.

  7. Personalised loan offers based on user profile

    8. The loan offers will be best suited to your credit history and usage, making approval easier and quicker. This includes flexible EMIs and large repayment tenures.

Airtel Personal Loan Lending Partners

As Airtel Finance is not a direct lender but an aggregator, applicants have a number of licensed financial institutions to choose from as their lenders. Their current lending partners include:

  1. Money View
  2. Axis Bank
  3. Credit Saison India
  4. Fibe
  5. DMI Finance

And more coming as the platform develops. All partners comply with RBI digital lending guidelines, ensuring legal and safe loan disbursal

Airtel Loan App

The Airtel Thanks App serves as the central hub for accessing personal loan services from Airtel Finance. Through the app, users can:

  • View pre-approved loan offers
  • Complete Aadhaar-based eKYC
  • Check EMI schedules and payment due dates
  • Prepay or foreclose active loans (if allowed)

The app is available on Android and iOS, with features such as real-time notifications for all loan activities.

Apply Online for Airtel Personal Loans

To apply online for an Airtel personal loan, you can use the following generic steps:

  1. Download and open the Airtel Thanks App.
  2. Navigate to the ‘Finance’ section.
  3. Select ‘Personal Loan’.
  4. Enter your details and choose the desired loan amount.
  5. Choose your lender.
  6. Complete eKYC (You would need your Aadhaar number and PAN card).
  7. Review your loan offer, interest rate, and EMI.
  8. Accept terms, enter bank details, and receive instant disbursal.

As one of the benefits of the platform, no physical documents or manual verification are needed at any stage.

Frequently Asked Questions

Any Indian citizen aged 21–60 with a regular income of at least ₹25,000 and an active Airtel account is eligible for an Airtel Personal Loan.

You can get a loan from Airtel through the Airtel Thanks App by completing eKYC and accepting the loan offer.

Airtel personal loans offer fast disbursal, simple and paperless documentation, and convenient access, especially for short-term needs.

You can activate a loan on the Airtel app by choosing your offer as shown in the app. Complete verification and accept the terms for disbursal.

Airtel Personal Loan interest rates range from 12.75% to 24% p.a., based on the borrower’s profile and the lender’s discretion.

The major benefits of applying for a personal loan from Airtel are its instant access, no paperwork, and a 100% digital process.

The required documents include PAN, Aadhaar, and active bank account details to apply for an Airtel Personal Loan.

The maximum loan amount from Airtel Finance is up to ₹9,00,000, based on eligibility.

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