You might come across certain restrictions if you're considering applying for a personal loan and your monthly income is Rs. 12000. Before considering a loan application, the majority of banks and significant NBFCs usually require a minimum monthly income of Rs. 25,000. I've looked into how much personal loan can I get on 12000 salary, and found that although there aren't many possibilities, it is not an impossible task. Some lenders like do offer flexible terms to lower-income groups, such as Airtel Personal Loan.
Can I Get a Loan if My Salary is 12k?
Most lenders will not offer you a loan if your salary is Rs. 12K. However, even with a salary of Rs. 12,000, you can still be approved for an Airtel Personal Loan based on your credit score, current debts, and job security. They provide personal loans up to Rs. 9,000,000, however that is usually reserved for people with better credit and higher salary.
Expect a smaller loan amount, possibly between Rs. 25,000 and Rs. 1,00,000, depending on terms, for someone making Rs. 12K.
Airtel's loan tenure ranges from 3 to 60 months, with interest rates starting at 11.5% per annum and a low processing fee of 2% to 4% + GST.
Get Upto Rs. 10 Lakhs Instantly in Your Bank Account Via NB Insta Cash
Your Feedback Matters! How was this Answer?
Shifting, House?
✔
Lowest Price Quote✔
Safe Relocation✔
Professional Labour✔
Timely Pickup & Delivery
Intercity Shifting-Upto 25% Off
Check Prices
Intracity Shifting-Upto 25% Off
Check Prices
City Tempo-Upto 50% Off
Book Now
How Much Personal Loan can I Get on 12000 Salary?
Arya67
115 Views
1
6 months
2025-08-21T10:11:04+00:00 2025-08-21T10:11:05+00:00Comment
Share