Securing a Rs 2 lakh personal loan without a salary slip is entirely possible in India. It is allowed if you can present alternative proof of income, maintain a strong credit profile, or offer collateral. Apart from this, you must have a minimum salary requirement. I have shared the complete details on how to get 2 lakh personal loan without salary slip below.
How can I Get a 2 Lakh Loan without a Salary Slip?
Instead of salary slips, present documents that reflect stable income:
Bank statements (last 3 to 6 months) showing regular inflows ideal for freelancers or contract workers.
Income Tax Returns (ITR) or Form 16 common with tax-filers and self-employed.
Business financials or audited accounts for entrepreneurs or professionals.
Rental receipts or investment income proofs can also validate consistent income.
A high CIBIL or credit score (700 to 750+) is critical. It shows your repayment reliability.
While personal loans are typically unsecured, offering assets like gold, fixed deposits, or mutual funds can increase your eligibility and improve terms.
Many non-bank lenders (e.g., Zype, CASHe, IDFC First, Tata Capital) offer Rs 2 lakh loans with alternative income proofs rather than salary slips. They can only ask for your aadhaar card and PAN in the absence of salary slip. You can also get it from the link below.
Get a 2 Lakh Personal Loan Instantly with Minimum Documentation via NB InstaCash.Your Feedback Matters! How was this Answer?
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How to Get 2 Lakh Personal Loan Without Salary Slip?
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2025-06-28T14:48:05+00:00 2025-06-28T14:48:06+00:00Comment
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