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11% p.a.

Starting ROI

100%

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Flexible

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3 Easy Steps

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Select EMI options

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Eligibility Criteria ..

Age

21-65 years

Income

Minimum Rs 15,000/month for salaried applicants

Resident

A Resident of India

Money talks, so do our Users

Abhishek Singh

Mumbai

I urgently needed funds for my mother's surgery, and the loan process on Mint Money was incredibly fast. The loan was approved within minutes, and the entire experience was smooth, transparent, and hassle-free. Thank you, Mint Money!

Arun Gupta

Kanpur

When I had to pay for my daughter's wedding expenses at the last minute, I turned to Mint Money. The application was easy, the process was transparent, and I received the funds instantly.

Saanvi Sharma

Hyderabad

I needed urgent funds for a medical emergency, and Mint Money really came through for me. The loan approval was fast, and the funds were available within hours. Mint Money made everything smooth and quick!

Rates & Charges Loan Terms

Finance Amount

₹5,000 - ₹20,00,000

Processing Fee

1.5% of loan amount upto 5%

Pre Closure Charges

2% of outstanding principal

Tenure

6 months - 5 years

Interest Rates & Penalty Charges

Monthly ROI

0.9% to 3%

Annual APR

10.5% to 45% other charges

Cheque Bounce

₹500 per instance

Late Payment

2% per month on overdue EMI

Illustrative Annual APR Calculation

The Annual Percentage Rate (APR) ranges from 10.5% to 45%. The Annual Percentage Rate is the total annual cost of your loan expressed in percentage. It includes the yearly rate of interest charged by the lender and other fees levied such as processing fees, loan insurance costs, etc.

Case 1

For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. And you have taken an insurance guarantee for a loan of Rs 1,500. Therefore, the total APR will be 10.79%.

Case 2

For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10% p.a. with a repayment tenure of 12 months. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. And you have taken an insurance guarantee for a loan of Rs 1,500. Therefore, the APR will be 13.45%.

Variable

Case 1

Case 2

Loan Amount/Principal

₹5 Lakhs

Tenure

60 Months

12 Months

Interest Rate

10% p.a

Monthly EMI

₹10,623

₹43,957

Total Interest (A)

₹1,37,411

₹27,495

Processing Fee (B)

₹7,500

Insurance Cost (C )

₹1,500

APR

10.79%

13.45%