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    12 months Loans

    With Airtel, you have loan amounts ranging from ₹10,000 to ₹9,00,000. Choose as per your needs. Enjoy the online process and get your loan approved quickly. Apart from flexible repayment options, you have low interest rates starting at 11.5% per annum. So, apply now and get credit disbursal within 24 hours.

    Benefits of 12 months loan

    Get a loan on your terms. Choose from flexible EMIs and tenure options.

    100% digital process

    Submit all your details and documents online.

    Instant Loan approval

    Get your Loan application approved!!

    Flexible EMIs and tenure

    Choose the loan tenure and EMI amount as per your need.

    Why choose Airtel for a 12-month Loan?

    Choose a 12-month loan if you are looking for lower monthly payments and a better repayment period. With this, you would have flexible options for EMI and tenure along with low interest rates and processing fees. Moreover, the approval process here is digital and quick.

    Apply for a 12 months Loan

    Follow the simple steps mentioned below

    Open Airtel Thanks App

    Find Shop > Airtel Finance

    Select Flexi Credit

    Fill in your basic details

    Get best offer

    Basis profile verification

    Complete the KYC

    Link your bank account

    12 months Loan EMI Calculator

    Calculate the EMI using Airtel’s online EMI calculator. Adjust the tenure and loan amount to know the average interest amount.

    Loan Amount ₹50,000
    ₹50,000
    ₹50K₹10L
    Interest Rate 10%
    10%
    5%20%
    Tenure 1 Year
    1 Year
    1Y5Y
    Get Instant Personal Loan in 30 Mins*!

    Features of 12 months Loan

    With Airtel Flexi Credit, you get below

    Personal loan amount

    ₹10,000 to ₹9,00,000

    Interest rates

    Starting from 11.5% p.a.

    Personal loan tenure

    03 to 60 months

    Credit disbursal

    Within 24 hours

    100% online

    No paperwork

    Low processing fee

    2% GST

    12 months Loan Eligibility Criteria

    One must be between the age-group of 21 and 65 to be eligible for a Business loan.

    Flexible employment type

    Short term personal loans from Airtel Personal Loan are available for salaried and self-employed individuals

    Monthly income criteria

    Anyone with a monthly income of ₹13,500 or more can apply

    Short term loan limit

    If you are looking for a loan between ₹10,000 to ₹9,00,000, then Airtel Personal Loan is perfect for you!

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    FAQs on 12 months Loan

    Personal Loan Lending Partner - Airtel Flexi Credit

    Get 12 months Personal Loan

    A 12-month personal loan from Airtel is perfect to meet your financial requirements if you are looking for a long-term personal loan. With loan amounts ranging from ₹10,000 to ₹9,00,000, you can choose the sum that best suits your needs. The entire process is 100% digital and that’s why you have quick and hassle-free approval. By availing of the loan, you can benefit from low-interest rates starting at 11.5% per annum and flexible EMI options. Also, you can enjoy the convenience of instant loan approval and credit disbursal within 24 hours.

    Eligibility Criteria for 12 months loan


    Here’s the eligibility criteria for 12 Months loan with Airtel:

    • Age must be between 21 and 65 years.

    • A minimum monthly income of ₹13,500 is required


    The eligibility criteria are simple to make sure that a wide range of applicants can benefit from this flexible and convenient Airtel loan option.

    12 months Loan Interest Rates


    With Airtel, applicants can avail interest rates starting from as low as 11.5% per annum. These attractive rates are the reason for making these loan options easier for borrowers to manage. With this, they can handle repayments and reduce the overall cost of borrowing. However, the final interest rate you receive will depend on factors such as your credit score, income, and loan amount.

    Calculate EMI for 12 months loans


    Calculating the EMI for a 12-month loan is simple. Use an online EMI calculator to input the loan amount, interest rate, and tenure. For example, if you go for ₹20000 loan for 12 months at an interest rate of 11.5% per annum, your EMI would be approximately ₹1772. With this tool, you can easily plan your finances by getting a clear picture of your monthly repayment obligations.

    How to apply for loans for 12 months


    You can apply for a 12 month loan with Airtel by following these steps:

    Step 1: Open the Airtel Thanks App.

    Step 2: Go to Shop > Airtel Finance.

    Step 3: Select your desired loan amount and fill in your basic details.

    Step 4: Get the best offer based on profile verification.

    Step 5: Complete the KYC process and link your bank account.

    Step 6: Choose your loan amount, tenure plan, and check the average interest rate. 

    Step 7: Submit and wait for loan disbursal

     

    Key Features and Benefits of 12 months Loans


    A 12-month loan from Airtel offers numerous features and benefits:

    • Flexible Loan Amounts: Borrow between ₹10,000 and ₹9,00,000 to suit your needs

    • Competitive Interest Rates: Starting from 11.5% p.a.

    • Flexible Tenure: Choose repayment periods from 3 to 60 months

    • Fast Credit Disbursal: Receive funds within 24 hours

    • 100% Online Process: No paperwork required


    Low Processing Fee: Ranges from 2% to 4% + GST

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