Yes, you can apply for a personal loan through the Paytm app, but Paytm itself doesn’t directly lend money; it partners with registered banks and NBFCs to provide unsecured personal loans digitally.
Does Paytm Give a Personal Loan?
When you apply via the Paytm app, Paytm acts as a facilitator connecting you to a lender partner that reviews and approves your loan request. To be considered for a Paytm personal loan, you must meet basic eligibility criteria:
Age: Usually between 23 and 60 years.
Indian Residency: Valid Aadhaar and PAN.
KYC Completed: Your Paytm account must be fully KYC-verified.
Credit Profile & Income: A good credit history and regular income increase your chances of approval.
Once you enter your details on the “Personal Loan” section in the Paytm app, the platform checks your eligibility and, if qualified, shows a loan offer with the sanctioned amount, interest rate, tenure and EMIs.
The application process is 100% digital. You complete KYC, link your bank account for disbursal and EMI auto-debit (UPI AutoPay or eNACH), and accept the loan agreement online.
Loan amount and terms: Personal loans via Paytm are typically available from about Rs. 10,000 up to Rs. 5 lakh, with tenure options up to 36 months though the exact offer varies based on your profile and the lender partner’s policies.
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Can I Get Personal Loan from Paytm?
shivam
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2026-01-13T10:07:58+00:00 2026-01-13T10:08:01+00:00Comment
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