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Personal loan for ₹35,000 salary

Enjoy a 100% digital loan process with 30-minute disbursal and zero foreclosure charges.

Instant approval
Interest rates start @9.99% p.a
No collateral required
Flexible repayment
Multiple on-demand loans

Apply Now

Personal Loan EMI Calculator

Loan amount

₹100K ₹10L

Loan term in months

9 Months 60 Months

Choose the Interest Rate

9.99% 38 %

Your EMI will be

₹2,174/Lakh

*Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply

Overview
Benefits
Eligibility
How to apply
Fees & Charges
FAQs

Apply Now

Looking for loans with a ₹35,000 income? Apply for a personal loan online with FIRSTmoney

Are you earning a salary of ₹35,000 per month and need quick access to funds? IDFC FIRST Bank’s FIRSTmoney smart personal loan can be most the suitable solution for you. Whether it’s for unexpected medical expenses, education fees, or home improvements, FIRSTmoney offers a flexible, hassle-free borrowing experience. With minimal documentation requirements and a swift approval process, you can secure a loan that perfectly aligns with your financial needs.

Features and Benefits of a Personal Loan for ₹35,000 Salary

Foreclosure Benefits

Repay early and breathe easy. FIRSTmoney allows you to close your loan before the full term without incurring any foreclosure fees. It’s the freedom to clear your dues sooner, without penalties holding you back.

Low Interest Rates

Affordability starts with the right interest rates. With FIRSTmoney, enjoy personal loan interest rates starting at 9.99% p.a.—keeping your EMIs in check and your financial goals on track.

100% Digital Process

No paperwork, no branch visits—just pure convenience. FIRSTmoney makes your entire personal loan process online. Apply anytime, anywhere, and get a personalised loan offer in just a few clicks. Simply click on “Apply Now” to begin.

Flexible Loan Repayment

Your personal loan, your schedule. FIRSTmoney gives you the flexibility to choose a repayment plan from 9 to 60 months and a flexible EMI date from 3rd to 8th of a month. Whether you want smaller EMIs or a shorter tenure, the choice is yours.

Instant Disbursal

Need funds urgently? FIRSTmoney ensures your application is approved instantly and funds are disbursed quickly within 30 minutes—all through a secure, digital-first process.

Personal Loan on ₹35,000 Salary Eligibility and Documentation

Eligibility

Age requirements: Applicants must meet the minimum age criteria i.e., 21 years and should not exceed the maximum age limit of 60 years at the time of loan maturity.
Credit score: A good credit score is essential for getting loan approval. A credit score of 730 and above can help you secure a loan with favourable terms.
Employment status: You should be a salaried or self-employed individual with a stable income source.

Documentation

No lengthy documentation with FIRSTmoney. All you need is to present your physical PAN card at the time of video KYC during the application process.

Loan Amount and Tenure

Loan Amount

For individuals earning ₹35,000 per month, personal loans are available in amounts ranging from ₹5,000 to ₹10 lakhs. The approved loan offer depends on the bank’s internal policy and your credit profile.

Flexible Tenure Options

You can choose a repayment tenure that ranges from 9 months to 60 months, depending on your financial situation. This flexibility allows you to structure your repayment schedule as per your convenience.

How to Apply for a Personal Loan on ₹35,000 Salary

Step 1

Start by scanning the QR code or clicking loan from your smartphone

Step 2

Step 3

Choose your loan preferences, including the tenure and repayment terms

Step 4

Link your bank account where you wish the funds to be disbursed

Step 5

Complete the video KYC verification process with your physical PAN card

Interest rates for a ₹35,000 salary personal loan start @9.99% p.a.

Visit the Fees and Charges section to know more.

Know More

EMI Calculation for ₹35,000 Salary

The bank uses the reducing balance method to calculate the EMI for a personal loan through FIRSTmoney, this technique determines the interest based on the remaining loan balance. While the EMI remains constant throughout repayment, the portion allotted to principal repayment grows while the interest component diminishes over time.

For easy calculation of your EMIs, consider using a personal loan EMI calculator. Simply adjust the slider to input the following details: the loan amount, interest rate, and tenure. You can also determine a repayment figure for a different amount that aligns comfortably with your financial capacity.

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Frequently asked questions

What is the maximum loan amount I can get with a salary of ₹35,000?

With IDFC FIRST Bank’s FIRSTmoney, you can get a loan offer of up to ₹10 lakhs based on your eligibility, with a monthly salary of ₹35,000. The final loan amount depends on various factors such as your credit score and repayment capacity.

How do I apply for a personal loan online with FIRSTmoney?

Applying for a personal loan with FIRSTmoney is easy and convenient. Simply visit the IDFC FIRST Bank website or mobile app, scan the QR code, and get going.

What documents are required to apply for a personal loan with FIRSTmoney?

To apply for a personal loan with a salary of ₹35,000, all you need is to produce your PAN card during the video KYC process.

How long does it take to get the personal loan approved and disbursed?

FIRSTmoney offers a quick approval and disbursal process. Once your application is approved, funds can be accessed within minutes, ensuring you have access to money when you need it most.