Instant Loan Amount
Get a Personal Loan up to Rs 5 lakh with a Rs 21,000 salary. Approval depends on income, credit score, and employment history.
Personal Loan for 21,000 Salary
Easy Digital Process
Minimum Salary Required ₹15K
Instant Approval in 10 minutes
Calculate Personal Loan EMI
Get an Instant Personal Loan for Rs 21,000 Salary
Get an instant Personal Loan from Hero FinCorp for a monthly salary of Rs 21,000 or more. Our personal loan EMI calculator helps you plan your monthly payments, and our flexible repayment tenure allows you to select a tenure of 12-36 months. Our Personal Loan for Rs 21,000 salary comes with attractive interest rates and requires no collateral. To be eligible, you must be at least 21 years old, have a minimum of six months of continuous employment, and provide specific documentation.
EMI on a Personal Loan for Rs 21,000 Salary for Tenures of 12-36 Months
Before you apply for a personal loan, it is important to know your monthly instalments. This will help you plan your monthly budget. You can use the personal loan emi calculator on our website to calculate your monthly instalment instantly. It is a free-to-use online tool that requires the loan amount, interest rate, and repayment tenure to calculate your EMIs. The below table shows the EMIs of Rs 1 Lakh loan for different tenures, assuming an interest rate of 19% per annum.
| Loan Amount (Rs) | Tenure (in Months) | Interest Rate* (per annum) | Monthly EMI (Rs) | Total Interest (Rs) | Total Amount Payable (Rs) |
|---|---|---|---|---|---|
| 1,00,000 | 12 | 19% | 9,216 | 10,588 | 1,10,588 |
| 1,00,000 | 18 | 19% | 6,428 | 15,710 | 1,15,710 |
| 1,00,000 | 24 | 19% | 5,041 | 20,981 | 1,20,981 |
| 1,00,000 | 30 | 19% | 4,213 | 26,398 | 1,26,398 |
| 1,00,000 | 36 | 19% | 3,666 | 31,962 | 1,31,962 |
Disclaimer: These EMI amounts are approximate and may vary based on the lender's terms and conditions. For a Rs 1 Lakh loan, the EMIs depend on the tenure and interest rate. Shorter tenures mean higher EMIs with less total interest, while longer tenures mean lower EMIs but higher total interest
Features and Benefits of Personal Loan for 21,000 Salary
Hero FinCorp offers loans based on your financial situation. We can provide instant loan to you if you earn a monthly salary of 21,000.
Attractive Interest Rate
Hero FinCorp offers Personal Loans with competitive interest rates starting from 1.58% per month on a Rs 21,000 salary.
Collateral-Free
Get hassle-free Personal Loans for 21,000 salary without collateral, security deposits, or guarantors.
Flexible Repayment Tenure
Enjoy flexible repayment tenures up to 36 months, regardless of income. Use our EMI calculator to plan a budget-friendly option.
Instant Approval and Disbursal
Our online loan process is quick and paperless. You can apply, get approved, and receive funds instantly without visiting a branch
Eligibility Criteria for Personal Loan on Rs 21,000 Salary
Before you apply for a Personal Loan with a salary of Rs 21,000, you must check the eligibility requirements. At Hero FinCorp, the personal loan eligibility criteria are simple and easy to meet. Here are the details:
Citizenship
You must be an Indian citizen.
Age Requirement
You should be between 21 and 58 years.
Work Experience
Six months for salaried applicants and 2 years for self-employed applicants.
Monthly Income
Your monthly income should be at least Rs 15,000.
List of Documents Required to Get Loan on 21K Salary
At Hero FinCorp, documentation is an important part of the loan application process. So, it is important to check the required personal loan documents in advance to ensure a smooth and hassle-free application process. Here is the list of documents required for a personal loan with a 21k salary:
Identity Proof
Driving licence, passport, PAN card, or Aadhaar card
Address Proof
Driving licence, passport, Aadhaar card, ration card, or utility bill
Ownership Proof
Residence ownership proof like electricity bills or property documents
Income Proof
Last six months' salary slips, previous six months' salary account statement, Form 16, and job continuity proof.
Interest Rates and Charges on Loan for Rs 21,000 Salary
If you are ready to apply for an instant personal loan, it’s important to know the related costs, like the interest rate and processing fees. At Hero FinCorp, the interest rates on personal loans are competitive, and other charges are nominal. Here are the details.
| Fees & Charges | Amount Chargeable |
| Interest Rate | Starting from 1.58% per month |
| Loan Processing Charges | Minimum 2.5% + GST |
| Prepayment Charges | N.A. |
| Foreclosure Charges | 5% + GST |
| EMI Bounce Charges | Rs 350/- |
| Interest on Overdue EMIs | 1-2% of the loan/EMI Overdue Amount Per Month |
| Cheque Bounce | Fixed Nominal Penalty |
| Loan Cancellation | 1. Online loan app does not charge any cancellation charges 2. Interest amount paid is non-refundable 3. Processing charges are also non-refundable |
How to Apply for Rs 21,000 Salary Personal Loan?
You can apply for a Personal Loan online or at your nearest Hero FinCorp branch. If you need funds instantly without visiting the branch or submitting copies of the documents, consider applying online. Here is the stepwise process.
- 1
Visit the Hero FinCorp website or install the personal loan app
- 2
Go to the personal loan page and click ‘apply now’
- 3
Enter your mobile number and verify with the OTP received
- 4
Choose the loan amount you need
- 5
Verify your KYC details to check income eligibility
- 6
Click ‘Submit’ to complete your application
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Frequently Asked Questions
To calculate the EMI of a Personal Loan for a 21k salary, use our Loan EMI Calculator. Enter the loan amount, interest rate, and repayment tenure.
To calculate the EMI of a Personal Loan for a 21k salary, use our Loan EMI Calculator. Enter the loan amount, interest rate, and repayment tenure.
Yes, you can obtain a Personal Loan with your monthly salary of Rs 21,000. You can apply for a loan online at the Hero FinCorp website or loan app.
The loan amount you will be eligible for will depend on your credit score, debt-to-income ratio and the policies of the company. At Hero FinCorp, you can get a Personal Loan of up to Rs 5 Lakh with favourable terms.
Yes, a salary amount of Rs 21,000 per month is enough when applying for a Personal Loan at Hero FinCorp where the minimum required income is Rs 15,000 per month.
A Personal Loan has minimal documentation requirements. You only need your KYC details and income proof when applying online at Hero FinCorp.
The monthly salary plays a key role. It helps lenders check your loan repayment ability. With a salary of Rs 21,000 per month, you easily meet Hero FinCorp's minimum monthly salary requirement of Rs 15,000 to apply for a Personal Loan.
The rate of interest on Personal Loans depends on your credit score, debt-to-income ratio and lender’s company policies. At Hero FinCorp, the interest rates for Personal Loans begin at 1.58% per month.
Disclaimer
*Approval & Agreement: Loan approval is at Hero FinCorp's discretion. By applying, you agree to our Terms & Conditions, Privacy Policy, and Loan Agreement.
*Data Use: You consent to electronic processes and data use for loan assessment, as per our Privacy Policy.
*Security: Keep your account and device secure. Report our customer care for unauthorized activity immediately.
*Grievances: For concerns, refer to our Grievance Redressal Policy.
*EMI Payment: Refer to our T&Cs here*
*RBI Mandate: RBI requires transparent disclosures. Learn more from RBI.