Get Flexi Credit up to ₹9 lakhs
✔️Instant disbursal ✔️100% online process

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Benefits of Personal Loan -
Airtel Flexi Credit

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

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    100% digital process
    Submit all your details online and any documents, if needed

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    Instant approval
    Get your loan application approved within minutes

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    Flexible EMIs and tenure
    Choose the loan amount, tenure, and EMI amount as per your need


Airtel Personal Loan -
Lending Partners

Airtel has joined hands with some trusted RBI regulated banks and NBFCs to offer flexible personal loans with the option to choose loan amount, tenure and EMI amount to suit every customer’s need.

Get Airtel Personal Loan
in 3 simple steps


Login using your
mobile number


Fill in your PAN details to
get the best offer


Enter bank account details to receive the loan amount

Yay, loan approved!

Loan amount will be credited instantly.

Personal Loan EMI Calculator

Calculate your personal loan EMIs and interest rate easily using the Personal Loan EMI calculator.
Adjust the tenure and loan amount to know the average interest amount.

Personal loan amount
Enter the loan amount


Tenure plan
Choose your tenure plan


Rate of interest
Adjust your interest rate






Features of Personal Loan -
Airtel Flexi Credit

  • finance ₹10,000 to ₹9,00,000
    Flexi credit
  • finance Starting from 11.5%
    Rate of interest
  • finance 3 to 60 months
    Personal loan tenure
  • finance Within 24 hours
    Credit disbursal
  • finance No paperwork
    100% online
  • finance 2% to 5% + GST
    Low processing fee

FAQs on Personal Loan - Airtel Flexi Credit

What is the process to apply for a personal loan?

If you want to apply for a personal loan from Airtel Finance, the solution is easy. Simply download the Airtel Thanks app and register yourself on the app. Now, go to the financial services section and apply for your loan from there. You only need to provide your personal information, PAN card, and employment details to apply for the loan. Complete the KYC and get your loan handed to you in a few minutes.

What are the benefits of applying for a
personal loan by Airtel Flexi Credit?

There are multiple benefits associated with applying for a personal loan from Airtel. You get the flexibility to choose your loan amount, tenure and even the EMI amount as per your need. You get an immediate money transfer to your account; the whole process is quick and completely cashless too. All you need is the Airtel Thanks app to get it done.

What is the maximum amount of
personal loan I can borrow?

With the help of Airtel’s long-term instant loan offer, you can borrow a sum of up to ₹9 lakhs. To avail of this offer, make sure you provide accurate documents so that you can avail of the best offer instantly.

What are the documents required to get a personal loan?

To get a loan from Airtel, these are the personal loan documents that will be needed from you – your basic information, such as name, address, PAN card number, and employment type. Following that, you will need to complete the online KYC process.

What can a personal loan be used for?

A personal loan can be used for anything, and that is where it gets the name from. Thus, how you use your loan amount is completely personal. Whatever the reason may be, you can always obtain a personal loan from Airtel. Be it home renovation, wedding, travel plans or anything else- you will get a personal loan to fulfil every need.

What are the eligibility criteria to get a personal loan?

There are no criteria as such to be eligible for a personal loan. Basically, everyone can apply. Just provide us with accurate information.

How does personal loan approval work?

Personal loan approval can be done in an instant provided that you have given the accurate documents. Once the KYC process is completed and the user passes the approval stage of the loan, the money is sent to his respective bank account within minutes.

How can I repay my personal loan amount?

Repaying your personal loan amount is also quite easy. All you have to do is download the Airtel Thanks app. From here, you track your EMIs, your payment history, and upcoming payments. Those options will help you easily repay the amount that you are meant to, regularly. From applying for loans to repaying your owed amount – everything is made easy at Airtel Thanks.

How to track my personal loan application status?

Keeping track of your personal loan application is also extremely easy. Just download the Airtel Thanks app and you will have one app for everything Airtel. You will be regularly notified of your upcoming payments and loan offers. Just go to Airtel Finance on the Airtel app, and get a cohesive view of your Airtel credit, including personal loans.

How can I calculate Personal Loan Interest rates?

The personal loan rate of interest is calculated monthly (i.e., R= Annual rate of interest/12/100).

What is the minimum salary required to apply for a personal loan?

You do not need to have a minimum salary requirement to apply for a personal loan with Airtel. Just make sure you are entering complete and accurate information when you are submitting your documents. The KYC process will look into it and provide you with the loan soon enough.

How to calculate EMI on a personal loan?

The EMI for your personal loan depends on the loan amount, tenure, and rate of interest. You can use the personal loan EMI calculator to know your average EMI.

What is the reason for the rejection of my personal loan application?

If your personal loan application has been rejected, it means there is some problem with the data that you have entered. It could also be true that you didn’t pass the KYC check. You can apply for a personal loan once again with the correct information as required.

How long does it take for a loan amount to be credited?

Once all your documents are verified, the personal loan amount gets credited in no time. Just ensure to provide accurate information. After the KYC, if everything is found perfect, loan disbursement takes no time.

Do I require a good credit score to get a personal loan?

Yes, you will need a good CIBIL score to be eligible for a personal loan. However, people with lower credit scores can also apply for a personal loan from Airtel Flexi Credit.

What are the terms for the pre-payment of the loan?

DMI Finance: After 5 days, there is a pre-closure charge of 2% + GST on Balance Principal Outstanding + Accrued Interest + Charges (if any)

To raise this request, the customer needs to contact the DMI customer care team through the following channels:

What will happen if I don't pay back my loan amount on time?

Not paying your loan amount back on time attracts a hefty amount of fine. That is why it is always a good idea to pay back your due loan amounts right on time.

How to cancel my personal loan application request?

The cancellation window differs for each lending partner. Each partner offers you the facility to cancel your loan application request. However, cancellation charges will apply and may differ for each partner.
To raise a loan cancellation request, you can refer to the details below and write to the partner directly at the given email addresses.
Partner Days to cancel request Charge levied Email Address
Moneyview Within 3 days (72 hours of disbursal) None
DMI Within 5 days None

How to cancel my personal loan
application request?

How to update the details on my personal loan account?

To update details on your personal loan account, you will have to get in touch with the Airtel customer support team. The customer support team is extremely helpful and will guide you on how to update details, without any worries.

How do I contact customer support for loan queries?

You can reach out to Airtel customer support from the Help section of the Airtel Thanks app for loan queries. Our customer support executive will guide you through your doubts. Otherwise, you can simply call 121 and inform the agent about your issue.

Who is the lender offering loan through Airtel?

Moneyview (WhizDM Innovations Pvt. Ltd.)
Grievance Redressal Officer details
Name - Mr. Venkatraman Narayan
Email Address:
Address: No. 17, 3rd Floor, Survey, 1A, Dr Puneeth Rajkumar Rd, Kadubeesanahalli, Bellandur, Bengaluru, Karnataka 560087
Contact No.: +91-8045692002
Timings: 9:00AM to 6:00PM (Monday to Friday)

DMI finance
Grievance Redressal Officer details
Name - Ashish Sarin
Designation - Senior Vice President - Customer Success
Email Address:
Address: Express Building, 3rd Floor, 9-10, Bahadur Shah Zafar Marg, New Delhi-110002
Contact No.: 011-41204444

Axis Bank
Grievance Redressal Officer details
Name: Mr Ashish Rajput
Designation: Senior Manager
Address: Axis Bank Limited, NPC1, 5th Floor, Gigaplex, Plot No I.T.5, MIDC, Airoli Knowledge Park, Airoli, Navi Mumbai – 400708
Contact No: +91 80 61865200
Timings: 9:30 am to 5:30 pm Monday to Saturday (except second and fourth Saturdays and Bank Holidays)
Principal Nodal Officer details
Name: Mr. Parag Deshpande
Designation: Senior Vice President - II
Address: Axis Bank Limited, NPC1, 5th Floor, Gigaplex, Plot No I.T.5, MIDC, Airoli Knowledge Park, Airoli, Navi Mumbai - 400708
Contact No: +91 80 61865098
Timings: 9:30 am to 5:30 pm Monday to Saturday (except second and fourth Saturdays and Bank Holidays)

Kisetsu Saison Finance India Private Limited (Credit Saison)
Grievance Redressal Officer details
Name- Ms. Preethi Nair
Address: IndiQube Lexington Tower, First Floor, Tavarekere Main Rd, Tavarekere, S.G. Palya, Bengaluru, Karnataka 560029
Contact No.: 9962003070

How to contact Airtel Nodal officer in case
of any grievances?

In case of any feedback or concern or request please reach out to our Grievance Officer
Mr. Nitin Grover
Designation: Nodal Grievance Redressal Officer
Address: Airtel Center, Plot no. 16, Udyog Vihar Phase IV, Gurgaon - 122015

How do I opt out of any future communications from
Airtel for loan offers?

Customers can write to with the details (Mobile Number) to revoke the consent & data storage. Data deletion will happen within 30 days of the request raised by the customer.

who is the lender offering loan through Airtel?

EarlySalary Services Private Limited
Name: Mr. Amit Nosina
Designation: Grievance Redressal Officer
Contact No: 020-67639797
Address: 404, The Chambers, Viman Nagar, Pune - 411014 

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Get Personal Loan on Your Own Terms

Secure a personal loan with a flexible EMI and tenure plan to support your financial goals with Airtel Finance! Both Airtel and Non-Airtel users can apply for a personal loan within minutes of Airtel Flexi Credit on the Airtel Thanks app.

All you need to do is enter your personal information, employment details, the loan amount you wish to borrow and hit apply. The best personal loan offers from various NBFCs will be presented according to your credit history and score. Choose the Airtel Thanks personal loan offer that fits your needs. Adjust the loan amount, EMI, and loan tenure, and provide relevant documents, if needed to process the application. If approved, the loan amount will be disbursed instantly.

Apply for a Personal Loan online of up to 9 Lacs today!

Key Features & Benefits of Personal Loan with Flexi Credit


Enjoy the unique benefits & features of Airtel Flexi Credit – a personalised Airtel Finance solution!

  • Get a flexible credit ranging between ₹10,000 to ₹9,00,000!
  • Interest rates as low as 11.5%!
  • Adjust the loan tenure as per your needs between 3 to 60 months.
  • Set a monthly EMI as per your convenience and budget.
  • Get the loan amount credited to your account within just 24 hours.
  • Apply for a loan and get it approved without stepping out! Thanks to zero paperwork and 100% online loan process with Airtel Flexi Credit.
  • No need to pay a high processing fee for the loan. The fee ranges between 2-5% + GST.

Step-by-Step Guide: How to apply for a Personal Loan


You can apply for Airtel Flexi credit online from your smartphone via the Airtel Thanks app.

Follow the below simple steps to apply for a personal loan from Airtel Flexi Credit:

From Website:

  • Head to the Airtel Personal Loan webpage.
  • Scroll down to find the QR code to initiate your loan application.
  • Open the scanner in your smartphone and scan the QR code.
  • The QR code will redirect you to Airtel Personal Loan application page.
  • Start your application by entering your personal details like name, DOB, etc.
  • Fill in the employment details with PAN and Aadhaar number.
  • Confirm the details you have entered.
  • If you are eligible, you will instantly see the loan offers you are eligible for. If not, your online personal loan application will be rejected.
  • Choose one of the loan offers and proceed with the application.
  • Complete the KYC.
  • Follow the instructions shown on the screen and complete the personal loan application online.
  • Post approval, the loan amount will be credited to your account within 24 hours.
  • Open the Airtel personal loan page on your smartphone.
  • Click on the ‘apply for Airtel personal loan’ button
  • You will now start on your Airtel personal loan journey!

From Airtel Thanks app

  • Launch the Airtel Thanks app.
  • Head to the Shop section.
  • Tap on Airtel Finance. You will see two Airtel Finance offerings here – Airtel Flexi Credit and Airtel Axis Bank Credit Card.
  • Now tap on personal loan section and start your application and complete the KYC.
  • If approved, the loan is disbursed instantly.

Check Eligibility Criteria for Personal Loan Approval


Check if you are eligible for personal loan by Airtel Flexi Credit within seconds from the Airtel Thanks app. A good credit score is considered decent to start an application for Airtel Flexi Credit. You can do an eligibility check along with a credit score test to know if you will be eligible for the loan offered by Airtel.

How to check Personal Loan Eligibility?

  • Launch the Airtel Thanks app to check personal loan eligibility.
  • On the home page, scroll down to find the tab for free credit score.
  • Enter your details and wait for a few seconds to generate the free credit report powered by CIBIL.
  • Head to the Shop section of the app.
  • Tap Airtel Finance > Personal Loan to check your eligibility.
  • Fill in your basic details for best personal loan offers you are eligible for.
  • If eligible, you will see relevant personal loan offers.
  • If not, your application will be rejected before starting the loan process.

Similarly, you can head to the credit card section to check your eligibility for Airtel Axis Bank Credit Card.

Key Documents Required to Apply for a Personal Loan


The Airtel Flexi Credit requires minimal documentation for processing a personal loan. Following are the documents required for personal loan by the applicant:

  • PAN Card
  • Aadhaar Card

Other than this, documents needed for personal loan vary on a case-to-case basis. Generally, a personal loan application requires the following additional personal loan documents:

  • Salary Slip of last 3 months (For Salaried employees)
  • Bank Statement of last 3-6 months
  • Proof of Income and Income Tax Returns (For Self-employed individuals)
  • Official Mail ID
  • Address Proof and others.

Fees and Charges for Personal Loan


There are multiple types of fees and charges related to personal loan. Here are a few you should know about:

  • Personal Loan Processing Fee: Airtel Flexi Credit has a low processing fee of 2% to 5% + GST.
  • Penalty on Late Payment of EMIs: If the borrower misses an EMI, a penalty is charged by the borrower.
  • Foreclosure charges: If you wish to close your loan, banks might charge a foreclosure fee usually between 1%-4%. Discuss this before you take a loan.

These are a few personal fee charges you should know about before applying for a loan.

Understand Personal Loan Interest Rate

Airtel Flexi Credit lending partners charge personal loan interest rate as low as 11.5%. You will get an interest rate from the Airtel Thanks app that is based on all the factors such as eligibility, credit score and more.

You can use the personal loan EMI calculator to determine your monthly EMI as per your loan tenure and interest rate.

Why Personal Loan with Airtel Flexi Credit is a better choice?

Choose Airtel Flexi Credit for a customized loan offer at affordable rates!

  • Interest rates for loan as low as 11.5%
  • Credit Disbursal within 24 hours
  • 100% digital process
  • Personalized EMI module and tenure
  • Minimal documentation
  • Simple application process
  • Low Processing Fee
  • Multiple loan offers

Explore more on the Airtel Thanks app or website to start your application today!

Personal Loan Lending Partner -
Airtel Flexi Credit

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