Small personal loans up to ₹50,000
Which of our partner lenders list small amounts, what they charge, and what the EMIs look like. The smallest amount listed on Innopay Money today is ₹1,000.
Who lists which amount
Lenders whose listed range includes each amount — a range match only; the lender decides approval.
- ₹10,000: mPokket, Aye Finance, Innopay Finance(Ramesham Securities & Credit (India) Limited)
- ₹25,000: mPokket, Aye Finance, Innopay Finance(Ramesham Securities & Credit (India) Limited)
- ₹50,000: mPokket, Aye Finance, Innopay Finance(Ramesham Securities & Credit (India) Limited), Hero Fincorp, Poonawalla Fincorp
Lenders with small-loan listings
| Lender | Interest rate (p.a.) | Amount | Tenure (months) | Application fee |
|---|---|---|---|---|
| mPokket | 18% – 36% | ₹1,000 – ₹2 lakh | 6 – 24 | ₹0 |
| Aye Finance | 24% – 29.5% | ₹5,000 – ₹1 lakh | 12 – 30 | ₹0 |
| Innopay Finance(Ramesham Securities & Credit (India) Limited) | 12% – 48% | ₹5,000 – ₹50,000 | 3 – 12 | ₹0 |
| Hero Fincorp | 18% – 30% | ₹50,000 – ₹7 lakh | 12 – 36 | ₹0 |
| Poonawalla Fincorp | 12% – 29% | ₹50,000 – ₹15 lakh | 12 – 36 | ₹0 |
Each lender’s current listing on Innopay Money — not an offer. Your rate, any processing fee and the APR are in the lender’s Key Fact Statement.
Example EMIs for small amounts
Using the rates of the lenders that list each amount and tenure (between 12% and 48% a year across these lenders). On a small loan the rate makes a visible difference — compare offers on APR, which includes any fees.
| Amount | Tenure | Listed rates | EMI | Total interest at the highest rate |
|---|---|---|---|---|
| ₹10,000 | 6 months | 12% – 48% | ₹1,725 – ₹1,908 | ₹1,446 |
| ₹10,000 | 12 months | 12% – 48% | ₹888 – ₹1,066 | ₹2,786 |
| ₹25,000 | 6 months | 12% – 48% | ₹4,314 – ₹4,769 | ₹3,614 |
| ₹25,000 | 12 months | 12% – 48% | ₹2,221 – ₹2,664 | ₹6,966 |
| ₹50,000 | 6 months | 12% – 48% | ₹8,627 – ₹9,538 | ₹7,229 |
| ₹50,000 | 12 months | 12% – 48% | ₹4,442 – ₹5,328 | ₹13,931 |
Each row counts only the lenders that list that amount and tenure. Reducing-balance interest, equal monthly instalments, no fees included — an illustration, not an offer.
Borrowing small, safely
- Every regulated lender verifies your identity (KYC). Offers of loans “without KYC” are a warning sign.
- Read the Key Fact Statement: the APR on a short loan can be far higher than the headline rate if fees apply.
- Repay on time — missed EMIs attract charges and are reported to credit bureaus.
- Only borrow through lenders you can identify — see our lending partners.
Create an account with your mobile number, pick an amount and see what our partner lenders offer. The lender decides approval.
Check your optionsFrequently asked questions
What is the smallest amount I can apply for?
The smallest amount any lender lists on Innopay Money is shown at the top of this page. Each lender sets its own minimum and maximum; a range match is not a guarantee of approval.
How long can I take to repay a small loan?
Each lender lists its own range of repayment periods in months — see the table on this page. Shorter periods mean higher EMIs but less interest overall.
Can I get a loan without KYC?
No. Lenders must verify your identity (KYC) before lending. Be wary of anyone offering a loan without it.
Do I need to upload documents?
That depends on the lender. Identity verification and income checks are often completed online, for example through digital KYC or your bank account; the lender tells you during the application if it needs anything uploaded.