Personal Loan
For eligible personal financial requirements.
Simple, transparent and clearly disclosed loan information before you apply.
Subject to eligibility and credit assessment.
Actual rate depends on applicant profile and assessment.
Including applicable interest and eligible charges.
Final tenure depends on approved loan terms.
Loan approval is subject to eligibility, KYC verification, document verification and credit assessment. The final interest rate, APR, processing fees, applicable taxes, EMI and total repayment amount will be disclosed in the Key Fact Statement (KFS), sanction letter and loan agreement before loan acceptance.
The example below is provided to help you understand how the loan amount, interest rate and repayment period can affect your estimated monthly EMI and total repayment.
Note: This calculation is provided for illustrative purposes only. Actual interest rates, APR, EMI, fees, taxes and repayment terms may vary based on eligibility, credit assessment and approved loan terms. Final details will be provided in the applicable KFS, sanction letter and loan agreement.
Complete your online application, submit the required documents and proceed through verification and credit assessment.
Complete the online application with accurate personal, employment and financial information.
APPLICATIONUpload PAN, Aadhaar, income proof, bank statements and additional documents as required.
DOCUMENTSYour identity, income, repayment capacity and other eligibility criteria are reviewed.
VERIFICATIONIf approved, final loan terms are communicated before acceptance and funds are disbursed to your verified bank account.
DISBURSALSubmission of an application does not guarantee loan approval. Approval and disbursal remain subject to eligibility, verification, credit assessment and applicable lending policies.
Applicable interest rates, fees, charges and repayment terms are disclosed before loan acceptance.
Maximum Annual Percentage Rate (APR) is inclusive of applicable interest and certain fees wherever applicable.
Personal loans starting from ₹50,000 up to ₹20,00,000, subject to eligibility and credit assessment.
Submit KYC, PAN, Aadhaar, income proof and supporting documents through the application process.
Customer information and submitted documents are handled through secure systems.
Applicable fees, interest rates and repayment terms are disclosed before loan acceptance.
Choose repayment tenures ranging from 6 to 120 months, subject to approved loan terms.
Our support team assists customers throughout the application, verification and servicing process.
Submission of a loan application does not guarantee loan approval. Final sanctioned loan amount, interest rate, APR, repayment period, processing fees, applicable taxes, other charges, EMI and total repayment amount will be disclosed in the Key Fact Statement (KFS), sanction letter and loan agreement before acceptance.
We provide clear information about applicable interest rates, fees, repayment terms and eligibility requirements, so applicants can understand the loan before applying.
Every application is subject to applicable eligibility criteria, verification and credit assessment. Loan amount, interest rate and approval are not guaranteed.
We aim to keep the application and loan journey clear, with information on documentation, applicable charges, repayment obligations and customer support.
Simple, transparent and clearly disclosed loan information before you apply.
Subject to eligibility and credit assessment.
Actual rate depends on applicant profile and assessment.
Including applicable interest and eligible charges.
Final tenure depends on approved loan terms.
Loan approval is subject to eligibility, KYC verification, document verification and credit assessment. The final interest rate, APR, processing fees, applicable taxes, EMI and total repayment amount will be disclosed in the Key Fact Statement (KFS), sanction letter and loan agreement before loan acceptance.
Complete your online application, submit the required documents and proceed through verification and credit assessment.
Complete the online application with accurate personal, employment and financial information.
APPLICATIONUpload PAN, Aadhaar, income proof, bank statements and additional documents as required.
DOCUMENTSYour identity, income, repayment capacity and other eligibility criteria are reviewed.
VERIFICATIONIf approved, final loan terms are communicated before acceptance and funds are disbursed to your verified bank account.
DISBURSALSubmission of an application does not guarantee loan approval. Approval and disbursal remain subject to eligibility, verification, credit assessment and applicable lending policies.
Applicable interest rates, fees, charges and repayment terms are disclosed before loan acceptance.
Maximum Annual Percentage Rate (APR) is inclusive of applicable interest and certain fees wherever applicable.
Personal loans starting from ₹50,000 up to ₹20,00,000, subject to eligibility and credit assessment.
Submit KYC, PAN, Aadhaar, income proof and supporting documents through the application process.
Customer information and submitted documents are handled through secure systems.
Applicable fees, interest rates and repayment terms are disclosed before loan acceptance.
Choose repayment tenures ranging from 6 to 120 months, subject to approved loan terms.
Our support team assists customers throughout the application, verification and servicing process.
Submission of a loan application does not guarantee loan approval. Final sanctioned loan amount, interest rate, APR, repayment period, processing fees, applicable taxes, other charges, EMI and total repayment amount will be disclosed in the Key Fact Statement (KFS), sanction letter and loan agreement before acceptance.
Explore financing options for different personal requirements. Interest rates, loan amounts, tenure and applicable charges may vary based on the product, eligibility and credit assessment.
For eligible personal financial requirements.
For eligible medical and healthcare-related expenses.
For eligible education-related requirements.
For eligible wedding-related expenses.
For eligible home improvement requirements.
For eligible applicants seeking to consolidate existing obligations.
The interest rate, processing fee, tenure, loan amount, taxes and other applicable charges may differ based on the selected product and individual assessment. Final terms will be provided to the applicant before acceptance.
Money Grey provides information about available loan options, applicable eligibility requirements, interest rates, charges and repayment terms to help applicants understand the product before applying.
Explore loan options designed for different financial requirements. The loan amount, tenure and applicable terms depend on the applicant's eligibility, verification and credit assessment.
Loan applications are reviewed using applicable eligibility, verification and credit assessment criteria. Submission of an application does not guarantee loan approval or a specific loan amount.
Before accepting a loan, applicants can review the applicable repayment schedule, interest, charges and other relevant terms. Customer support is available for application and loan servicing related queries.
Select your preferred loan amount and repayment tenure to understand your indicative monthly repayment.
| Month | Principal | Interest | EMI | Balance |
|---|
Important: Calculations are illustrative only. Actual pricing, EMI and repayment schedule may vary based on the sanctioned loan, applicable interest rate, tenure, fees, taxes and other applicable terms. This calculator does not constitute an offer, sanction or guarantee of a loan.
Adjust the loan amount, interest rate and repayment tenure to understand your estimated monthly EMI, total interest and overall repayment.
Enter your preferred loan details below. You can change the values anytime to compare different repayment scenarios.
Enter the applicable processing fee, if any. Leave 0 if not applicable.
Follow these simple steps to get an indicative estimate of your monthly repayment.
Enter the amount you want to calculate, from ₹50,000 up to ₹20 Lakh.
Enter the applicable annual interest rate provided for your loan.
Choose your repayment period between 12 and 60 months.
Compare estimated EMI, interest and total repayment before applying.
The chart shows how your estimated repayment is distributed between principal and interest over time.
This illustrative schedule shows the estimated split between principal and interest for each month.
| Month | Opening Balance | EMI | Principal | Interest | Closing Balance |
|---|
Important: The EMI figures shown above are illustrative estimates calculated using the information entered by the user. Actual EMI, interest rate, loan amount, tenure, fees, taxes and repayment schedule may differ based on the applicable loan terms and final assessment. This calculator does not constitute an offer, sanction or guarantee of loan approval. Please review the applicable loan agreement and disclosures before accepting any loan.
Your CIBIL score is a three-digit number that reflects your credit history and helps lenders assess your credit profile during a loan application.
Understand your credit score range before applying for a loan.
Review your credit position and loan requirements with greater clarity.
Credit assessment and loan decisions remain subject to applicable eligibility criteria.
Verifying your mobile number...
Please wait a momentThe 700+ value shown above is an illustrative demonstration value and is not an actual CIBIL bureau score or credit report. Actual credit information may vary and is subject to authorised credit-bureau information.
Understand the application journey from eligibility assessment to disbursement, subject to applicable lending conditions.
STEP 01
Submit your basic information to begin the eligibility assessment process.
Apply Loan Now
STEP 02
Provide the required information and documents for the applicable application process.
Submit Application
STEP 03
The information provided and applicable credit profile are reviewed as part of the assessment.
Learn More
STEP 04
The application is reviewed according to the applicable lending criteria and assessment process.
View Details
STEP 05
If approved and all applicable conditions are satisfied, the sanctioned amount is disbursed.
Get Started*Important: Loan approval and disbursement are subject to applicable eligibility criteria, verification, lender assessment and execution of required documentation.
Clear information about interest rates, applicable fees, charges, tenure and the overall cost of borrowing helps applicants understand the loan terms before proceeding.
| Particular | Details |
|---|---|
|
Loan Amount
|
₹50,000 – ₹20 Lakh+ Subject to eligibility and applicable assessment. |
|
Interest Rate
|
10.50% – 22.00% p.a. The applicable rate within this range may vary based on borrower profile, credit assessment, loan product, tenure and applicable pricing parameters. |
|
APR
|
As disclosed in the applicable KFS APR represents the applicable all-inclusive annualised cost as disclosed in the relevant Key Fact Statement. |
|
Processing Fee
|
As applicable Any applicable processing fee will be disclosed in the relevant loan documentation before acceptance. |
|
GST / Taxes
|
As applicable Applicable taxes and statutory levies, if any, will be charged as per applicable law. |
|
Tenure
|
12 – 60 months The available tenure may vary depending on the loan product and eligibility. |
|
Late Payment Charges
|
As per applicable agreement Any applicable overdue or late-payment charges will be disclosed in the applicable loan documentation. |
|
Foreclosure / Prepayment
|
As applicable Applicable terms, conditions and charges, if any, will be disclosed in the relevant agreement. |
|
Other Charges
|
As disclosed in applicable documents No charge should be assumed unless it is disclosed in the applicable documentation. |
Eligibility and other relevant applicant information may be considered during assessment.
Credit profile and other applicable assessment parameters may influence the final loan terms.
Pricing and charges may differ according to the applicable loan product and its terms.
Loan amount and repayment tenure form part of the applicable repayment structure.
The interest rate, APR, fees, charges and repayment obligations applicable to a borrower may vary based on eligibility, credit assessment, loan product, tenure and applicable terms. The final pricing applicable to a borrower will be communicated through the relevant Key Fact Statement, loan agreement and other applicable documentation before acceptance.
Applicants should review the applicable interest rate, APR, fees, taxes, repayment schedule and other charges in the relevant documents before accepting the loan.
Review the general documentation and eligibility requirements before submitting your loan application.
Applicants may be required to provide the following documents for identity, address, income and application assessment purposes.
PAN card may be required for identity and financial verification.
Valid address or identity proof may be required as applicable.
Income-related documents may be requested for assessment where applicable.
Recent bank statements may be required as part of the applicable assessment process.
Salary slips or relevant business documents may be required where applicable.
A recent photograph may be requested where applicable.
Additional documents may be requested depending on the applicant profile, loan product and applicable lending requirements.
Eligibility is assessed based on applicable lending criteria, applicant information and the relevant loan product requirements.
Applicant must satisfy the applicable eligibility criteria for the selected loan product.
Indian residency requirement may apply depending on the applicable loan product and lending criteria.
Minimum income requirements may apply based on the selected loan product and applicable assessment.
Salaried or self-employed applicants may be assessed according to applicable product requirements.
Credit history and other relevant financial information may form part of the assessment.
Existing loans, EMIs and other financial obligations may be considered during assessment.
Meeting the general criteria does not guarantee loan approval. Final eligibility, loan amount, interest rate and other terms are subject to verification, credit assessment and applicable lending policies.
We are committed to providing a clear and structured process for customers to raise concerns, seek assistance and escalate unresolved grievances through the applicable channels.
Customers are encouraged to first contact customer support. If the concern remains unresolved, it may be escalated to the designated Grievance Redressal Officer through the applicable contact details provided below.
For questions, service requests or concerns relating to your application, loan account or other services, please contact our customer support team.
If your grievance remains unresolved after contacting customer support, you may escalate the matter to the designated Grievance Redressal Officer.
Where applicable, customers may use the relevant escalation mechanism available under the applicable regulatory framework after following the prescribed grievance process.
Please provide relevant details such as your name, application or loan reference number (where applicable), contact information and a clear description of the concern. This can help us understand and address the matter appropriately.
The grievance handling process, escalation timelines, contact details and regulatory escalation mechanism are subject to the applicable policies, agreements and regulatory requirements. Please refer to the latest official grievance redressal policy for complete details.
Learn more about Money Grey, its business model, corporate information and the applicable regulatory framework.
Money Grey provides financial solutions through its applicable lending model and assessment process. Information relating to loan products, eligibility, pricing, charges and applicable terms is intended to help applicants make informed decisions before proceeding.
Applicable financial and lending activities carried out in accordance with the company's approved business structure and applicable requirements.
The applicable lending model, including direct lending and/or involvement of authorised lending partners or service providers, will be disclosed as applicable.
Final regulatory information will be published only after verification against the applicable official regulatory records.
Temporary placeholder — official registered office address to be updated after confirmation.
Details of directors, management or other key personnel may be provided here where applicable and after the relevant corporate information has been verified.
Legal name, CIN, RBI registration / Certificate of Registration (CoR), registered office and other regulatory information should be verified against the latest official records and the company's applicable corporate documents before publication.
Loan requests may be considered from ₹50,000 up to ₹20 lakh+, subject to the applicable product, eligibility criteria, assessment and lending terms. The final loan amount, if approved, is determined after the required verification and assessment.
Depending on the products and eligibility criteria applicable at the time of application, loan options may include personal, medical, education, wedding, home renovation and debt consolidation requirements. Availability and terms may vary by applicant and product.
The applicable interest rate depends on factors such as the loan product, applicant profile, credit assessment, loan amount, tenure and other applicable terms. The applicable rate, fees and charges will be communicated in the relevant loan documents before acceptance.
No. Submitting an application or checking eligibility does not guarantee loan approval. Every application is subject to applicable eligibility requirements, verification, credit assessment and lending policies. The final decision is communicated after the applicable assessment process.
Depending on the applicant and loan product, documents may include PAN, identity or address proof, income proof, bank statements, salary slips or business proof and other documents where applicable. Additional information may be requested during verification.
Eligibility may be assessed using the information provided in the application, income and employment or business details, existing financial obligations, credit profile and other applicable criteria. Meeting basic criteria does not by itself guarantee approval.
Processing time can vary depending on the completeness of the application, document verification, credit assessment and other applicable checks. No fixed approval or disbursement timeline should be assumed unless specifically stated in the applicable terms.
If a loan application is approved, disbursement is made after completion of applicable verification, documentation and other required conditions. The actual disbursement timing and amount depend on the final sanction and applicable terms.
Applicable processing fees, taxes, late-payment charges, foreclosure or prepayment charges and other applicable costs may vary by product and agreement. All applicable charges should be reviewed in the relevant pricing information and loan documents before accepting the loan.
For application-related or customer support queries, please use the contact details provided on the official website and relevant customer support or grievance channels. Keep your application or loan reference number available when contacting support, where applicable.
Money Grey is the official digital loan platform providing customers with financial guidance, eligibility assistance and digital loan application services.
At Money Grey, we strictly follow applicable RBI directives and have established an effective Grievance Redressal Cell to address customer grievances promptly and fairly. We are committed to responsible lending and ethical recovery practices and do not resort to any high-handed or inappropriate recovery methods. Customers can raise complaints or concerns regarding our services, loan applications or related matters, and we aim to resolve grievances within 5 working days.
Money Grey is operated by VMR Finance Private Limited, a Non-Banking Financial Company (NBFC) recognized and registered with the Reserve Bank of India (RBI), with CIN: U67120PB1995PTC016568.
CIN:
U67120PB1995PTC016568
Established:
1995 • Patiala, Punjab
Registered Office:
C/O Sanjeev Kumar Sir Hind Road
Opposite Byepass
Patiala, Punjab 147001
India
Platform:
Digital Loan & Financial Services Platform
Services:
Financial Guidance • Eligibility Assistance • Loan Information •
Digital Applications
Official Website:
www.moneygrey.com
Important Disclosure: Money Grey provides financial guidance, eligibility assistance and digital loan application facilities. Submission of a loan enquiry or application does not guarantee approval. Loan approval, applicable interest rates, fees, tenure and repayment terms are subject to eligibility, credit assessment and applicable lending policies.
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