Personal Loan

Which App Gives Personal Loan Without A Salary Slip?

Borrow
08-11-2023
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What are your options when you have a financial emergency and need money immediately? Your best course of action is to apply for a personal loan. Personal loans are virtually always available from banks and other financial organizations, although the application procedure might be lengthy. The documentation process could be difficult. Additionally, you need a spotless credit history. Due to its inherent benefits, such as the finest apps in India for personal loans without a salary slip, it should be an appropriate substitute in these instances, such as:

  • Swift approvals and payments
  • Flexible qualifying requirements and high levels of flexibility
  • No need for collateral
  • Practical documentation
  • Convenient features

Apps that provide personal loans without requiring pay slips

A personal loan is like emergency money that someone can use when they don’t have enough money. There are no limits on how these loans can be used, so the money can be used for anything, like weddings, trips, or medical bills. It’s like the most comfortable financial cushion for people who want to borrow money.

Personal loans are easier to get and get paid off now that technology has improved. Not only do banking institutions and non-bank financial companies (NBFCs) offer loans these days, but so do several mobile apps.

Therefore, the next time you’re short on cash, consider using one of the instant personal loan application options available on your smartphone app store. In the rest of this article, we’ll give you a long list of the best personal loan applications in India, as well as important facts and features you need to know before applying for any of them.

  1. PaySense Loan

PaySense works with well-known banks and other financial institutions to offer personal loans online right away. You can use these personal loans, which range from Rs 5,000 to Rs 5 lakh, for almost any emergency. But the most interesting thing about it is that it lets people get personal loans even if they have no credit history.

The application procedure, supporting materials, confirmation, and disbursement are all completed quickly. The rates of interest range from 16% to 36% per year. There is a maximum of 60 months to pay back the loan. PaySense lets people who work for a company or themselves get personal loans. PaySense and LazyPay are now one company.

  1. Kissht

Kissht is an app you can get from the Google Play Store and the Apple App Store. It’s a good choice for people who don’t get paid, like students, freelancers, and small business owners.

Kissht has a 5-minute credit line based on QR codes. Kissht only needs your Aadhar card to figure out if you’re eligible for a loan, approve it, and put the money in your bank account. Interest rates range from 14% to 30% per year on loans of up to Rs 2 lakh. 100% digital makes it appealing.

  1. MoneyTapLoan

First, get MoneyTap from either the Google Play Store or the Apple App Store. Next, enter your age, city, PAN, and income to find out if you are eligible for a MoneyTap Credit Line. After KYC is done, you can start using the money.

MoneyTap provides personal loans of up to Rs 5 lakh at a monthly interest rate of 1.08–2.3%. Payback terms for borrowers are 36 months. The best thing about MoneyTap is that you can get approved in 4 to 5 minutes. It is India’s best app for an instant personal loan without salary slip because its API and design are safe.

4. Nira

Nira is one of the best fast loan applications in India for a personal loan without salary slips because it gives loans right away and is easy to sign up for. Nira looks at what’s on the internet to figure out your credit score.

Personal loans from Nira range from 3,000 to 5 lakhs at a rate of 1.5–2.5% per month. If you need to, this software can extend your credit period. The app lets you set up automatic withdrawals and deposits.

  1. mPokket

The mPokket app is a fast, short-term personal loan service for students and people with steady jobs. For loans between Rs 500 and Rs 30,000, interest rates start at 3.5% per month.

Applicants who get paid have to show pay stubs, but students can apply online with an ID. Loans can be approved online and paid out within 24 hours. People who want to borrow money don’t need a bank account because they can use digital wallets like Paytm.

  1. Dhani Card

Dhani Card is a great app for students, people with jobs, and people who work for themselves and need a quick personal loan. Loans of up to Rs 5 lakhs are available at 1-3.17% per month, depending on who is eligible, how much they want to borrow, and how long they want to pay it back.

The Dhani Card lets you borrow up to Rs 5 lakh with no interest. For a small monthly fee, you can see any doctor you want. This loan has three payments that don’t have any interest.

  1. Home Credit

Home Credit is one of the best apps for personal loans without salary slips because it lets people borrow up to Rs 2 lakh with just a PAN card and another form of ID/address verification. Loan amounts are based on credit scores. This software lets people with bad credit get personal loans.

The interest rate on this 26-month loan is between 2.4% and 3.3% per month. It’s one of the easiest ways for people aged 19 to 65 to get a personal loan without salary slips online.

  1. CASHe 

CASHe is easy to work with. Before setting credit limits, the user must upload documents and go through a verification process. This software could let many loans go through at once.

Personal loans from CASHe start at 1.75% and can go up to 5 lakhs. This app lets you make a deposit right away. Auto-debit from a bank account can be set up to make payments quickly and on time. With its Buy Now, Pay Later options, CASHe works with Amazon, Big Basket, Flipkart, and other companies.

Final words

Personal loans have grown in popularity because they may be obtained quickly and with little paperwork. Additionally, this option enables customers to use the loan in any way they see fit to address their immediate financial needs. Also, these quick loan applications are popular right away because they don’t require collateral and have flexible terms for paying back the loan.

Piramal Finance (www.piramalfinance.com), is an Indian financial services company that is making its foray into retail lending, which includes personal loans, business loans, housing loans, and other consumer-focused finance products.

FAQs

  1. What happens if the insurance runs out or is used during the time it takes to pay back the loan?

If the insurance runs out or a claim is made during the time the debt is being paid back, the interest amount must be paid until the maturity date.

  1. What is the procedure for getting an instant loan? 

If you are approved, the lender will usually respond within minutes and put funds into your bank account. However, even if you are authorized, it may take a business day or two, or even longer, to get the funds.

  1. What are the criteria for a personal loan? 

Instant loans are often not subject to a credit check. You must, however, give personal details, be at least 18 years old with proof Of identity, provide evidence of income (e.g., a pay slip), and have a bank account.

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Hindu Succession Law: Your Rights The Hindu Succession Act of 1956 is the big rulebook for inheritance among Hindus, Jains, Buddhists, and Sikhs. And mind you, it's seen some pretty vital updates over the years. A Big Change: Daughters' Rights The Hindu Succession (Amendment) Act, 2005, was a game-changer. Since September 9, 2005, daughters now stand shoulder-to-shoulder with sons, having equal birthrights (coparcenary rights) in ancestral property. Yes, even if they're married. Even if their father wasn't alive when the amendment kicked in. Powerful, isn't it? This law covers four generations of the male line , your father, grandfather, great-grandfather, and great-great-grandfather. A mother, too, gets a share in her deceased son's ancestral property as a Class-I heir. Same goes for a wife in her husband's ancestral share. And get this: even children from marriages later found invalid can sometimes claim a share, as per the Supreme Court. 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The Madras High Court also pointed out in November 2024 that while the 2005 amendment helped daughters, it might have, well, somewhat reduced the share for widows and mothers. Selling or Gifting Family Property Trying to sell or gift ancestral property? There are strict rules. This is often called 'alienation'. Typically, you can only sell, gift, or mortgage ancestral property if there's a "legal necessity" (meaning, for the family's or estate's benefit) or if everyone who has a share agrees. As the Supreme Court made clear, gifting is usually only for a "pious purpose." Once the property is formally divided, it becomes individual property, and then the owner can do as they please with their share. Simple. Muslim Law: A Different Path Now, let's look at Muslim Personal Law (Shariat) Application Act, 1937. It's quite different. There's no concept of ancestral property here. Every piece of property is seen as individual property for inheritance. 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FAQs Q1: What's the main difference between ancestral and self-acquired property? Well, ancestral property comes from paternal ancestors, up to four generations back, and you get rights at birth. Self-acquired property, on the other hand, is something you bought yourself, got as a gift, or through a will. You've got full rights to that one. Q2: Can a daughter claim ancestral property if her father died before 2005? Yes, absolutely. Thanks to the 2005 Hindu Succession (Amendment) Act, daughters have equal coparcenary rights from September 9, 2005, even if their father wasn't alive then. It's a big deal. Q3: Can ancestral property be sold without all legal heirs agreeing? Generally, no, it can't. You can't sell ancestral property without all coparceners (those with birthrights) giving their consent. But, here's the thing: a May 2025 Supreme Court ruling did say a single legal heir can sell their undivided share if the property hasn't been physically divided. Tricky, right? 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A coparcener is simply someone who gets a legal right in ancestral property right from birth. Under the Hindu Succession Act, both sons and daughters are now considered coparceners. Q8: What is considered a "pious purpose" for gifting ancestral property? Mostly yes, a "pious purpose" for gifting ancestral property, as clarified by the Supreme Court in May 2024, generally means acts of charity or religious contributions. Gifting it just out of love or affection usually doesn't count. Important tip: check with a lawyer for your specific situation.
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Tips & Advice

Stem Cell Therapy Cost in India: Treatment Types, Benefits, and Key Insights

Stem cell therapy is one of the most promising advancements in modern medicine. It is used to repair or replace damaged tissues and treat several chronic diseases and injuries. From orthopaedic conditions to neurological disorders, stem cell therapy has shown encouraging results in improving patient outcomes. If you are exploring this advanced medical treatment, understanding the stem cell therapy cost in India, its availability, and key factors affecting pricing can help you plan better. What Is Stem Cell Therapy Stem cell therapy involves using stem cells, which are special cells capable of developing into different types of body tissues. These cells can repair, regenerate, or replace damaged tissues in the body. The process aims to stimulate the body’s natural healing ability, offering new hope for patients with degenerative or incurable conditions. Stem cells are usually sourced from: Bone marrow Adipose (fat) tissue Umbilical cord blood Peripheral blood Once collected, the stem cells are processed and injected into the affected area or administered through IV infusion, depending on the treatment type. Conditions Treated with Stem Cell Therapy Stem cell therapy is being researched and used for a wide range of medical conditions. Some of the most common include: Osteoarthritis and joint injuries Spinal cord injuries Parkinson’s disease and Alzheimer’s Type 1 diabetes Liver and kidney disorders Heart diseases Blood disorders such as leukaemia and lymphoma Autism and cerebral palsy (experimental applications) Although not all treatments are fully approved as standard therapy, many patients have reported significant improvement in symptoms and quality of life. Types of Stem Cell Therapy Autologous Stem Cell TherapyThe patient’s own stem cells are extracted, processed, and reintroduced into the body. This method has a lower risk of rejection and is commonly used in orthopaedic and neurological treatments. Allogeneic Stem Cell TherapyStem cells are taken from a donor, such as a sibling or umbilical cord bank. This type is often used for treating blood disorders, cancers, or immune-related conditions. Peripheral Blood Stem Cell Transplant (PBSCT)Stem cells are collected from the bloodstream after stimulation with medication. This technique is often used in cancer treatments. Umbilical Cord Stem Cell TherapyThis involves using stem cells preserved from umbilical cord blood, often applied in paediatric and regenerative treatments. Stem Cell Therapy Cost in India The average stem cell therapy cost in India varies based on the type of treatment, condition being treated, and number of sessions required. Here’s a general cost range: Orthopaedic conditions (knee, spine, arthritis): ₹1.5 lakh to ₹4 lakh per session Neurological disorders (Parkinson’s, spinal injury): ₹3 lakh to ₹7 lakh per session Diabetes and autoimmune disorders: ₹2 lakh to ₹5 lakh per session Cancer and bone marrow-related treatments: ₹10 lakh to ₹25 lakh (for transplant-based therapy) In some cases, multiple sessions are required, depending on how the patient’s body responds to treatment. Factors Affecting Stem Cell Therapy Cost Several key factors determine the overall cost of stem cell therapy in India: Type of disease and severity of condition Type of stem cell therapy (autologous or donor-based) Number of cells processed and administered Technology used in extraction and processing Hospital infrastructure and accreditation Experience of the doctor or specialist team Need for hospitalisation and follow-up treatments Availability of Stem Cell Therapy in India Stem cell therapy is available in major cities across India, including Delhi, Mumbai, Bangalore, Chennai, Pune, and Hyderabad. Several reputed multi-speciality hospitals and research-based medical centres offer advanced regenerative medicine facilities. India has become a preferred destination for stem cell therapy because of its combination of advanced medical expertise and comparatively lower treatment costs than countries like the US or UK. However, patients should always consult qualified doctors and choose authorised clinics that follow the Indian Council of Medical Research (ICMR) guidelines for stem cell treatments. Recovery and Effectiveness Recovery depends on the condition being treated and the patient’s overall health. For orthopaedic issues, improvement may be noticed within a few weeks, while neurological or autoimmune conditions may take several months. It is important to note that stem cell therapy does not guarantee a cure in all cases but can significantly improve symptoms, mobility, and quality of life for many patients. Things to Consider Before Choosing Stem Cell Therapy Before opting for stem cell therapy, patients should consider the following: Consult with a certified specialist and discuss the potential benefits and limitations. Verify the clinic’s certification and adherence to ICMR guidelines. Understand the total number of sessions required and long-term expectations. Clarify all costs upfront, including follow-up and supportive care. Check if the therapy is covered by insurance (most policies currently exclude it). Managing Medical Expenses Stem cell therapy can be costly, especially for advanced or multiple-session treatments. If you need immediate funds for treatment or hospitalisation, you can consider an emergency personal loan to manage expenses quickly. It ensures that financial limitations do not delay access to life-changing medical care. Final Thoughts The stem cell therapy cost in India ranges from ₹1.5 lakh to ₹7 lakh for most conditions and can go up to ₹25 lakh for transplant-based therapies. India offers some of the most affordable yet high-quality regenerative medical treatments in the world. While research is still ongoing, stem cell therapy continues to offer hope for patients with chronic or degenerative diseases. With careful consultation, proper guidance, and timely financial planning, you can access this innovative treatment safely and effectively.
31-10-2025
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Tips & Advice

Knee Replacement Surgery Cost in India: Detailed Guide

Knee replacement surgery, also known as knee arthroplasty, is one of the most effective orthopaedic procedures that helps relieve chronic knee pain and restore mobility. It is usually recommended for patients with severe arthritis, joint degeneration, or injuries that limit daily movement. Understanding the knee replacement surgery cost in India, the available types, and what factors influence the pricing helps patients make informed medical and financial decisions. What Is Knee Replacement Surgery Knee replacement surgery involves removing the damaged portions of the knee joint and replacing them with artificial components made of metal, ceramic, or high-grade plastic. These artificial implants mimic the natural function of a healthy knee joint, reducing pain and improving movement. The surgery is typically advised when pain relief medications, physiotherapy, or lifestyle changes no longer help, and the condition starts affecting regular activities like walking, climbing stairs, or sitting comfortably. Types of Knee Replacement Surgery There are three main types of knee replacement surgeries performed in India: Total Knee Replacement (TKR)This is the most common type of knee surgery. In a total replacement, both sides of the knee joint are replaced with implants. It is recommended for patients with advanced arthritis or severe joint damage. Partial Knee Replacement (PKR)In this procedure, only the damaged part of the knee is replaced while the healthy portion is preserved. It is ideal for patients who have damage limited to one side of the knee and want to maintain natural joint movement. Bilateral Knee ReplacementWhen both knees are replaced either at the same time or in two stages, it is known as bilateral knee replacement. This option is chosen by patients with arthritis in both knees. Robotic Knee Replacement Surgery In recent years, robotic knee replacement surgery has become a preferred technique among orthopaedic specialists. It uses robotic-assisted technology that allows greater precision and customisation during surgery. In robotic surgery, a 3D model of the knee joint is created using advanced imaging. The robotic arm assists the surgeon in performing the surgery with high accuracy, minimising human error. Advantages of Robotic Knee Surgery Smaller incisions and quicker recovery Reduced blood loss and tissue damage Precise implant placement Better joint alignment and long-term outcomes Cost of Robotic Knee Replacement Surgery in India The cost of robotic-assisted knee surgery is higher than traditional methods due to the technology and equipment used. Single knee robotic surgery: ₹3.5 lakh to ₹5 lakh Both knees robotic surgery: ₹6.5 lakh to ₹9 lakh While the upfront cost is higher, robotic surgery often ensures faster recovery and more natural joint movement, which can be beneficial for long-term mobility. Average Knee Replacement Surgery Cost in India The average knee replacement surgery cost in India depends on factors such as the city, type of hospital, surgeon’s experience, and implant quality. Government hospitals: ₹1.5 lakh to ₹2.5 lakh Private hospitals: ₹2.5 lakh to ₹4.5 lakh Premium multi-speciality hospitals: ₹4.5 lakh to ₹6 lakh Robotic-assisted surgery: ₹6 lakh to ₹9 lakh The cost is slightly higher in metro cities like Delhi, Mumbai, Bangalore, and Chennai due to advanced medical infrastructure and specialist availability. Patients in tier-2 cities can often find affordable options with similar quality of care. Factors Affecting the Cost of Knee Replacement Several key elements influence the total cost of the surgery in India. These include: Type of surgery (partial, total, or robotic) Quality and brand of the implant Surgeon’s expertise and reputation Hospital location and facilities Diagnostic tests, medications, and physiotherapy sessions Duration of hospital stay and recovery requirements Recovery After Knee Replacement After surgery, most patients are encouraged to start walking with assistance within 24 to 48 hours. The average hospital stay lasts around 4 to 7 days. Full recovery may take 6 to 12 weeks, depending on the patient’s health and commitment to physiotherapy. Regular follow-up appointments, rehabilitation exercises, and lifestyle modifications such as maintaining a healthy weight are crucial for long-term success. Availability of Knee Replacement Surgery in India Knee replacement surgeries are available across major Indian cities and even in smaller towns through advanced orthopaedic departments. Indian surgeons are highly skilled in performing these procedures, and many hospitals offer world-class facilities at a fraction of the international cost. Things to Consider Before Opting for Surgery Before undergoing knee replacement surgery, patients should keep the following in mind: Consult an orthopaedic specialist and get a detailed diagnosis. Discuss implant options, materials, and expected longevity. Review hospital packages and ensure clarity on what is included. Confirm insurance coverage for joint replacement procedures. Prepare for post-surgery rehabilitation and support at home. Managing Emergency Medical Expenses Sometimes, knee replacement surgery may become urgent due to severe pain or mobility loss. In such cases, arranging funds quickly can be challenging. If your insurance does not cover the full cost or you need immediate financial help, you can consider an emergency personal loan. It provides quick access to funds, ensuring that treatment is not delayed when it is most needed. Final Thoughts The knee replacement surgery cost in India typically ranges between ₹2 lakh and ₹6 lakh for traditional procedures and ₹6 lakh to ₹9 lakh for robotic-assisted surgeries. Despite the cost differences, the surgery significantly improves mobility, reduces pain, and enhances quality of life. India is known for offering high-quality orthopaedic care at affordable prices, with expert surgeons and advanced medical technology available nationwide. With proper planning and timely financial support, knee replacement surgery can help patients regain comfort, confidence, and an active lifestyle.
31-10-2025
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