Personal Loan for Low CIBIL Score in India — Up to ₹1.15 Crore via Private NBFCs

Ginni Loans (ginniloans.in) is an India-focused loan-assistance platform helping borrowers with low CIBIL scores or limited income proof access higher personal-loan limits — up to ₹1.15 crore — through private NBFC partners and multi-lender clubbed funding. We support debt consolidation, top-up and refinance loans, and applications with up to 2 co-applicants. \u200B

Loan options by CIBIL band

CIBIL below 650 — Private NBFC Pack (up to ₹27 lakh)

Personal loan for low CIBIL score in India. Matched to private NBFC partners that approve without a strict CIBIL cut-off, using bank statements, UPI cash-flow or asset backing. Add a co-applicant to push your limit further.

CIBIL 650–749 — Approval Boost Pack (up to ₹50 lakh)

For fair-credit salaried and self-employed users. Profile optimisation, approval-focused matching with mid-risk lenders and NBFCs, and multi-lender clubbed funding under one EMI.

CIBIL 750+ — Prime Limit Pack (up to ₹1.15 crore)

For high-CIBIL professionals. Multi-lender clubbed funding and premium NBFC offers — among the highest personal-loan eligibility limits available in India today.

Loan without income proof, debt consolidation, top-up & co-applicants

Loan without salary slip / income proof: partner NBFCs accept bank statements, GST/ITR, UPI cash-flow or asset backing as alternative verification.
Up to 2 co-applicants: add a spouse, parent or earning family member to lift CIBIL and combined income — among the fastest ways to raise your sanctioned limit.
One loan, multiple lenders: higher requirements can be clubbed across more than one lender and disbursed as a single neat EMI.
Debt consolidation loan India: combine multiple high-interest EMIs into one lower-rate loan with a single monthly EMI via private NBFCs.
Top-up & refinance loan: take extra money on top of an existing personal or home loan, or refinance at a better NBFC rate.

Why Ginni Loans

Instant eligibility check in 2 minutes
Among the highest eligibility limits in India via multi-lender matching
Private NBFC partners for low-CIBIL applicants
Alternative income proof accepted (bank statements, GST/ITR, UPI)
100% digital KYC and bank verification
Encrypted data, no resale; RBI fair-practices aligned

Frequently asked questions

Can I get a personal loan with a 600 CIBIL score in India?

Yes. Ginni Loans matches users with a CIBIL score of 600 (or below) to private NBFC partners that approve without a strict CIBIL cut-off — eligible applicants can be matched for loans up to ₹27 lakh, subject to lender approval.

Can I get a loan without income proof or salary slip?

Yes — some partner NBFCs approve loans using bank statements, GST/ITR, UPI cash-flow or asset backing instead of a salary slip.

How does a debt consolidation loan work in India?

It combines multiple high-interest EMIs (credit cards, personal loans, BNPL) into one lower-rate loan with a single monthly EMI via private NBFCs.

What is a top-up loan?

Extra money on top of your existing personal or home loan from the same or a partner lender, with quick disbursal and no fresh full application.

Can I add co-applicants to increase my loan eligibility?

Yes. You can apply with up to 2 co-applicants. This lifts both the CIBIL profile and combined income, substantially increasing the sanctioned limit.

What is the maximum loan I can get through Ginni Loans?

Up to ₹1.15 crore for CIBIL 750+ via clubbed funding, ₹50 lakh for CIBIL 650–749, and ₹27 lakh for CIBIL below 650 via private NBFCs. Subject to lender approval.

How fast is approval?

After documents and pack confirmation, routing begins within minutes. Disbursal time depends on the chosen NBFC.

Available across India

Mumbai, Delhi, Bengaluru, Hyderabad, Chennai, Kolkata, Pune, Ahmedabad, Jaipur, Lucknow, Chandigarh, Indore, Bhopal, Nagpur, Surat and 200+ Indian cities.

Apply now — check eligibility · Refund policy