Personal Loan Without Salary Slip – Is It Possible?

Many lenders ask for salary slips to approve a personal loan. But what if you don’t have one? Let’s find out!

Alternative Documents

If you don’t have a salary slip, you can show: – Bank statements – Income tax returns (ITR) – Employment certificate

Self-Employed Applicants

For self-employed, lenders may accept: – GST returns – Business proof – Profit & loss statements

Collateral-Based Loans

Without income proof, some NBFCs and banks offer loans against: – Fixed deposits – Mutual funds – Gold

Fintech & NBFC Loans

Many fintech platforms provide instant loans by checking: – Bank account transactions – UPI history – Regular income credits

Things to Remember

– Interest rates may be higher – Loan amount may be lower – Timely repayment boosts credit score

Final Note

Yes, you can get a personal loan without a salary slip—just use alternative proofs and choose the right lender!

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