Click My Loan

The key details of ClickMyLoan are:

Below are the key features and advantages of ClickMyLoan:

• Loan amount from ₹6,000 to ₹10 Lakhs based on your employment and financial profile.
• Choose a repayment tenure from 6 to 60 months as per your convenience.
• Direct transfer of funds to your bank account with minimal processing time.
• Unsecured loans offered without any security or guarantor.
• The loan can be used for multiple purposes, including education, travel, shopping, emergencies, weddings, maternity, hobbies, gifting, business, bridging financial gaps between paychecks, home renovations, and special occasions.  
• 100% digital process with instant approval in as fast as 10 minutes with minimal documentation.
• Your data is protected with SSL encryption and secure servers
• The loan can be applied with just your Aadhaar, PAN, and bank statement. 
• No lengthy paperwork or branch visits needed.

The following are the interest rates, processing fee, and other charges associated with the ClickMyLoan personal loan:

• Interest rates: 12% to 28.5% p.a.
• Processing fee: Up to 5.1% + GST.
• Part prepayment charges: 4% of principal prepaid + GST.
• Foreclosure charges: 4% of principal outstanding + GST.
• EMI bounce charge (1st day): 4% of principal overdue or ₹500, whichever is lower.
• Penal charges (2 - 180 days): 36% p.a. on principal overdue.
• Credit information report fees: ₹50 + GST (if opted by customer).
• Stamp dty: As per actuals based on the disbursement location.
• Maintenance and procurement cost: May apply based on the disbursement location.

Below is a comparison of the ClickMyLoan app with other loan apps:

The eligibility criteria required for ClickMyLoan personal are as follows:

• Citizenship: Must be a citizen of India.
• Age requirement: 21 years or above at the time of loan application.
• Income criteria: Must have a minimum monthly personal income of ₹10,000 and a household income over ₹25,000.
• Employment status: Must be salaried individuals with regular employment and a minimum of 2 months in the current organisation.
• CIBIL score: 650 or above.

You can apply for the ClickMyLoan personal loan with just the following documents and details:

• Aadhaar
• PAN Card
• Valid government-approved identity proof 
• Valid proof of both permanent and current address, such as Aadhaar, Voter ID, Passport, etc.
• Aadhaar-linked mobile number
• Recent photograph
• Income & employment proof, such as Bank Statements (last 3 months), Salary Slips (last 2 months), Employment ID Card/ UAN
• Email address
• Bank account details

Follow the steps mentioned below to apply for a Click My Loan online:

• Visit the official website or download the mobile app of Click My Loan.
• Enter your basic details, such as your PAN card number, Aadhaar-linked mobile number, etc., to check for pre-approved offers.
• Compare available loan amounts (up to ₹10 Lakhs) and tenure options (6 to 60 months).
• Complete your profile and e-KYC by filling out the application form with personal, employment, and banking details, and your Aadhaar.
• Upload required documents, such as PAN Card, Aadhaar Card (as address proof), last 3 - 6 months' bank statements, and salary slips.
• Verify and sign the loan agreement electronically upon approval.
• The loan amount will be directly transferred to your bank account.

Below are the ClickMyLoan customer care details: