WishON Finserv Solutions
Personal Loan
WishON’s core product. Unsecured. Tenure up to 8 years. Amount typically ₹75 lakh to ₹1 crore depending on the bank or NBFC and the overall profile. Originated with private banks including HDFC Bank, ICICI Bank, Axis Bank, and Kotak Mahindra Bank, and with NBFCs. Not with nationalised banks. Rate starts at 9.99% p.a.
- Eligibility from partner banks and NBFCs
- Indicative rates from 9.99% p.a.
- Official CIBIL report — free once a year on cibil.com
HDFC Bank Limited
ICICI Bank Limited
Axis Bank Limited
Kotak Mahindra Bank Limited
IDFC FIRST Bank Limited
Bandhan Bank Limited
Who it suits
- Salaried
- Government employees
- Professionals
- Pensioners (select lenders)
- Wedding, renovation, holiday, vehicle, education
Documents
- PAN card
- Aadhaar card
- One current address proof
- Last 3 months bank statements
- Last 3 months salary slips
On this product
- Unsecured amount typically ₹75 lakh to ₹1 crore, depending on the bank or NBFC and the overall profile.
- Rate from 9.99% p.a., depending on customer profile and loan amount.
- Maximum tenure 8 years, subject to lender and age at maturity.
- Originated with private banks (including Axis Bank) and NBFCs. Nationalised banks are used for home loans, not personal loans.
- Papers: PAN, Aadhaar, one current address proof, last 3 months bank statements, last 3 months salary slips.
- Eligible files: same-day login, same-day disbursement where the lender programme allows. Clock otherwise 24–48 working hours.
- Indicative rate
- 9.99% – 24.00% p.a.
- Amount
- ₹50,000 – ₹1 Cr
- Tenure
- Up to 8 years
- Sourcing fee
- ₹0 from the applicant
Lending partners
Full legal names and marks for identification. WishON originates. The institution sanctions, prices, and disburses.
HDFC Bank Limited
ICICI Bank Limited
Axis Bank Limited
Kotak Mahindra Bank Limited
IDFC FIRST Bank Limited
Bandhan Bank Limited
Yes Bank Limited
IndusInd Bank Limited
South Indian Bank Limited
Bajaj Finance Limited
Tata Capital Limited
Cholamandalam Investment and Finance Company Limited
HDB Financial Services Limited
Aditya Birla Finance Limited
L&T Finance Limited
Poonawalla Fincorp Limited
Muthoot Finance Limited
Hero FinCorp Limited
Piramal Finance Limited
InCred Financial Services Limited
Finnable
Axis Finance Limited
Fibe
DMI Finance Private Limited
Kisetsu Saison Finance (India) Private Limited
CreditVidya
Money View (WhizDM Innovations Private Limited)
Indicative EMI
Priced at the floor rate for Personal Loan. Your offer will move with bureau, FOIR, and the lender.
Personal Loan: every year from 1 to 8. Subject to lender and age at maturity.
Type with a point — 9.99, 11.50, 14. Type it; do not use 999. Floor for this product is 9.99% p.a.
₹75,000 and above: FOIR / DBR generally 70–75%, bank to bank. You may type a figure inside the band (60.5 is allowed).
- ₹20,000 – ₹35,000: 50%
- ₹35,000 – ₹50,000: 55%
- ₹50,000 – ₹75,000: 60–65%
- ₹75,000 – ₹1 lakh & above: 70–75%
Sum of EMIs already due — housing, auto, personal, cards minimum due if revolving. Deducted from FOIR before a new loan.
Indicative terms
Personal loan — partner rates and processing fees
Private banks and NBFCs with which WishON originates unsecured personal loans. Competitive pricing and, on eligible files, login within 24–48 working hours. These figures are indicative. The sanction letter is the lender’s. GST may apply on fees. Nationalised banks are not used for personal loans.
Private banks
| Institution | Interest rate | Processing fee |
|---|---|---|
| HDFCHDFC Bank Limited | 9.99% p.a. onwards | Up to ₹6,500 |
| Axis BankAxis Bank Limited | 9.99% p.a. onwards | Up to 2% |
| ICICIICICI Bank Limited | 9.99% p.a. onwards | Up to 2% |
| KOTAKKotak Mahindra Bank Limited | 9.99% p.a. onwards | Up to 5% |
| BANDHANBandhan Bank Limited | Profile-based, from 9.99% p.a. | As per sanction letter |
| IDFCIDFC FIRST Bank Limited | 9.99% p.a. onwards | Up to 3.5% |
| YESYes Bank Limited | Profile-based, from 9.99% p.a. | As per sanction letter |
| INDUSINDIndusInd Bank Limited | 10.35% p.a. onwards | Up to 3.5% |
| SIBSouth Indian Bank Limited | Profile-based, from 9.99% p.a. | As per sanction letter |
NBFCs
| Institution | Interest rate | Processing fee |
|---|---|---|
| BAJAJBajaj Finance Limited | 10.00% – 30.00% p.a. | Up to 3.93% |
| TATATata Capital Limited | 10.99% p.a. onwards | Up to 3.5% |
| PFLPoonawalla Fincorp Limited | 9.99% p.a. onwards | Up to 4% |
| CHOLACholamandalam Investment and Finance Company Limited | 10.00% – 28.00% p.a. | 4% – 6% |
| PIRAMALPiramal Finance Limited | 12.14% p.a. onwards | Up to 5% |
| INCREDInCred Financial Services Limited | Profile-based | As per sanction letter |
| FINNABLEFinnable | Profile-based | As per sanction letter |
| MUTHOOTMuthoot Finance Limited | 13.50% p.a. onwards | As per application |
| AXIS FINAxis Finance Limited | Profile-based | As per sanction letter |
| HDBHDB Financial Services Limited | 10.00% – 35.00% p.a. | Up to 5.90% |
| ABFLAditya Birla Finance Limited | 10.99% p.a. onwards | Up to 4% |
| FIBEFibe | Profile-based | As per sanction letter |
| DMIDMI Finance Private Limited | Profile-based | As per sanction letter |
| Credit SaisonKisetsu Saison Finance (India) Private Limited | Profile-based | As per sanction letter |
| L&TL&T Finance Limited | Profile-based | As per sanction letter |
| CreditVidyaCreditVidya | Profile-based | As per sanction letter |
| HEROHero FinCorp Limited | Profile-based | As per sanction letter |
| Money ViewMoney View (WhizDM Innovations Private Limited) | Profile-based | As per sanction letter |
“Onwards” means the floor for a strong profile and ticket — not a committed rate. Processing fees are deducted by the lender, not by WishON. You do not pay WishON a sourcing fee.
Compare
Overdraft vs personal loan
Personal starts cheaper on the board — 9.99% vs 11.50%. Overdraft can still cost less if you do not draw the full limit. Floor rates only. Not a sanction.
| Personal loan | Overdraft | |
|---|---|---|
| Floor ROI | From 9.99% p.a. | From 11.50% p.a. |
| Interest charged on | The full outstanding, every month, as you amortize. | Only what you have drawn, for the days it is drawn. |
| Monthly cash out | Fixed EMI (principal + interest). | Interest on utilisation. Principal stays until you repay it. |
| Tenure | Up to 8 years. | Limit up to 9 years, reviewed. |
| Clock | Same-day login / disbursal on eligible files; else 24–48 working hours. | Limit typically within 24 working hours. |
| Ends at | Zero. The loan is closed. | Whatever you still have drawn. It is a line, not a term loan. |
| Lenders | Private banks and NBFCs — not PSU banks. | Private banks and NBFCs; salary-account OD or business CC. |