Simple access to personal loansInstant personal loan
in minutes.
Apply online and access funds quickly.
Built around your needs
A simpler borrowing experience, with features designed to give you speed, convenience, flexibility, and transparency.
Quick disbursal
Get approved funds directly into your bank account.
100% Digital
Apply, complete verification and manage your loan journey online.
Transparent charges
Know the applicable interest, fees and repayment terms before you proceed.
Flexible options
Based on your own profile and eligibility.
Less paperwork. More
clarity.
Apply for a personal loan up to ₹25,000 through a simple digital process.
How to apply for a loan?
Apply online, complete your verification and review your loan details.
Tell us what you need
Enter your basic details and choose the amount you want to apply for.
Complete verification
Verify your identity and required details securely online.
Review your loan
Check your approved amount, interest rate, fees, tenure and repayment details before proceeding.
Tell us what you need
Enter your basic details and choose the amount you want to apply for.
Complete verification
Verify your identity and required details securely online.
Review your loan
Check your approved amount, interest rate, fees, tenure and repayment details before proceeding.
Who can apply for a loan?
Check the basic eligibility requirements before you begin.
Age
Must be 18-58 years old
Documents
Valid KYC document & bank account
Selfie check
Clear selfie for identity verification
Income
Salaried or self-employed with stable income
Residency
Indian citizen living in India
Contact
Active mobile number and e-mail
Device
Any device with internet access
Applicant type
Individual applicants only
When Bridge can help
From planned expenses to unexpected emergencies, access funds when you need them the most.
Medical emergency
Cover unexpected medical bills without draining your savings.
Rent & Housing
Stay on top of rent and essential housing expenses whenever you need.
Home repairs
Take care of urgent repairs, maintenance, or essential home needs.
Education
Fund education expenses, courses, or certifications with ease.
Travel
Fund your next trip without putting your plans on hold.
Personal Expense
Cover the gap when your monthly budget falls short.
Don’t just take our word for it
Frequently
asked questions
Bridge is a digital lending platform offering personal loans from ₹3,000 to ₹25,000 through a simple online application process. Loan eligibility, amount, interest rate, fees and repayment terms are determined based on your profile and applicable underwriting criteria.
Eligible Indian residents can apply for a personal loan through Bridge. Applicants must meet the applicable age, KYC, income and credit eligibility requirements. Final eligibility depends on Bridge’s underwriting criteria.
You can apply for a personal loan ranging from ₹3,000 to ₹25,000 through Bridge. The final loan amount depends on your eligibility, financial profile and applicable underwriting criteria.
You’ll need valid KYC documents and your bank account details to complete your loan application.
Yes. Applicable processing fees and other charges, if any, will be clearly shown before you accept the loan. Please review the Key Fact Statement and loan terms carefully before proceeding.
- Interest: The applicable ROI varies according to the rate at which the individual loan is sanctioned to the customer. The example assumes a sanctioned ROI of 63% p.a; Formula: Overdue principal × Sanctioned annual interest rate (ROI) × Number of days ÷ 365; Example: ₹10,000 × 63% × 31 ÷ 365 = ₹535.07.
- Service Fee: The service fee is calculated on a per-day basis for the applicable period, and GST is added to the calculated service fee; Formula: Total Loan amount × 60% × Number of days ÷ 365; add 18% GST; Example: ₹10,000 × 60% × 31 ÷ 365 = ₹509.59; GST = ₹91.73; total = ₹601.32.
- Annual Percentage Rate (APR): APR is calculated using the Internal Rate of Return (IRR) method, based on the applicable loan cash flows; Formula: NPV = Σ (CFₜ ÷ (1 + r)ᵗ) = 0, for t = 0 to n ; CFₜ represents the cash flow at period t; r is the periodic internal rate of return; and n is the total number of periods. The initial net disbursement and subsequent repayments are considered in the calculation.
The periodic rate (r) is the rate at which the net present value of all cash flows equals zero. The periodic IRR is then annualised to calculate APR; - Processing Fee (PF): The processing fee is fixed at 15% of the total Loan Amount amount, with applicable GST added; Formula: Total loan Amount amount × 15%; add 18% GST on the processing fee ; Example: ₹10,000 × 15% = ₹1,500; GST = ₹270; total = ₹1,770.
- Late Payment Charges (LPC): LPC is calculated for the number of days the Principal remains overdue, using the overdue principal amount. The example assumes 10 overdue days; Formula: Overdue principal × 36% × Number of overdue days ÷ 365; Example: If ₹10,000 (Principal) is overdue by 10 days: ₹10,000 × 36% × 10 ÷ 365 = ₹98.63.
- NACH Bounce Charges: The base NACH bounce charge is fixed at ₹500, with applicable GST added. (Per-Instance); Formula: Fixed base charge + 18% GST; Example: ₹500 + ₹90 GST = ₹590.
- Broken Interest: If the customer repays or forecloses the loan before the scheduled due date, interest is calculated only for the applicable number of days for which the facility is used upto up to repayment date, subject to the loan terms; Formula: Overdue principal × Sanctioned annual interest rate (ROI) × Number of days ÷ 365 ; Example: ₹10,000 × 63% × 10 ÷ 365 = ₹172.60
- Broken Service Fee: If the customer closes the loan early, the service fee is calculated for the applicable number of days for which the facility is used upto up to repayment date on the total Loan Amount. The service-fee rate is fixed at 60% p.a., with applicable GST added;Formula: total loan amount × 60% × Number of applicable days ÷ 365; add 18% GST ;Example: ₹10,000 × 60% × 10 ÷ 365 = ₹164.38; GST = ₹29.59; total = ₹193.97
- Post-Default Interest: Post-default interest is calculated on the overdue principal for the applicable default period, using the ROI sanctioned for the loan; Formula: Overdue principal × Sanctioned annual interest rate (ROI) × Number of overdue days ÷ 365; Example: ₹10,000 × 63% × 31 ÷ 365 = ₹535.07
- Post-Default Service Fee: Post-default service fee is calculated when an EPI is overdue, based on the overdue principal and the applicable overdue period. The service-fee rate is fixed at 60% p.a., with applicable GST added; Formula: Overdue principal × 60% × Number of overdue days ÷ 365; add 18% GST ; Example: ₹10,000 × 60% × 31 ÷ 365 = ₹509.59; GST = ₹91.73; total = ₹601.32
