Minimum CIBIL Score Required For Personal Loan

Banks often use your credit score as the primary factor when evaluating a loan. If your score isn't good enough, they might just reject your application without even looking at your income or whether you can pay it off early. This can be a pain, especially when you really need money fast.

Rupee112 does things differently. Instead of only looking at your credit score, they look at your current income, how easily you can pay back the loan, and what you need the money for right now. This means even if you have a low or no credit history, you can still check out your loan options without stress.

Rupee112 offers a simple online process and quick approval, so you can get the money you need into your bank account fast, without a lot of waiting or issues.

An Overview of the CIBIL Score

A CIBIL score, which runs from 300 to 900, basically shows how good you are at borrowing and paying back money. Banks and lenders check this score when you apply for loans or credit cards. If your score is high, it indicates you pay on time, making you more likely to be approved and potentially qualify for a better interest rate. But a low score can make it harder to borrow.

What Is Meant by the Minimum CIBIL Score for a Personal Loan?

The lowest CIBIL score you can have to get a loan is what lenders look at during your application. Usually, around 650 is the minimum, but 750 or higher is way better. This score helps banks and lenders determine whether you're eligible for the loan, what your interest rate will be, and whether they'll approve it.

Why Does Rupee112 Say Yes When Other Lenders Don't?

Rupee112 focuses on your income and needs rather than relying solely on your credit score. This attribute alone makes borrowing a breeze when other companies have already rejected you.

No Credit Score Required

Rupee 12 does not always require a strong credit history, unlike traditional banks. Even with a minimal CIBIL score for a loan, with bad credit, you can still get money quickly.

Income Matters

Rupee112 evaluates your current source of income and, in turn, your ability to repay the loan. The person's income and needs are the only factors that count here.

Fast Transfers

Once the loan is approved, we disburse funds to your bank account promptly. This is how you get your funds when you need them the most.

Simple Pricing

No costs are concealed, and there are no surprises. Rupee112 lets you know the interest you will be charged and all payment details in advance.

Fully Online

All the steps take place online. It is not only quick but also simple to apply for and get money. With Rupee 112, you are free to do everything from your couch.

Who Can Apply for RUPEE112 Personal Loans?

RUPEE112 aims to help people who often face challenges in accessing loans through conventional banks.

People with low or poor credit scores are often rejected by banks.

First-time borrowers who do not yet have a CIBIL score.

Salaried individuals who need short-term funds before their next salary.

Applicants rejected by banks due to not meeting the minimum CIBIL score requirement.

What Can You Get with RUPEE112?

Quick personal loans, flexible amounts, and hassle-free approvals are what you get with Rupee112, all from your home.

Loan Amount

₹5,000 to ₹1,20,000 (pick the amount that works best for you).

Tenure

60 days to 12 months depending on loan type.

Minimal Documentation

PAN, Aadhaar, proof of address and proof of income.

Disbursal

Direct transfer to your bank account.

Support

A responsive team ready to help when needed.

Get a personal loan instantly from Rupee112. No calls, no paperwork, no branch visits, just a few taps and everything is done digitally.

How Does It Work For You?

The RUPEE112 process is easy, quick, and all digital

Step - 01

Open the RUPEE112 app

Open the RUPEE112 app or website. It is available 24/7, including weekends.

Step - 02

Choose the loan Amount

Choose the loan amount you need i.e., from ₹5,000 up to ₹1,20,000.

Step - 03

Quick Verification

Enter your PAN and mobile number for quick verification. No long form process.

Step - 04

Submit your Income Details

Your income decides your eligibility, not your CIBIL score.

Step - 05

Instant Decision

Get an instant decision. Most users are approved within minutes.

Step - 06

Receive Funds

Receive funds directly in your bank. No cheques, no delays, just instant credit.

Actually, it's very easy. No paperwork. No stress. No waiting. Start Your Application Now.

What Can You Get with RUPEE112?

We made sure that our personal loan options are flexible and useful so that you can get exactly what you need without any extra trouble

Loan Amount	Tenure	Monthly Interest	Processing Fee	Total Interest Payable	Total Repayment
₹20,000	3 months	1.5% (₹300/month)	10% (₹2,000)	₹2,900	₹22,900
₹30,000	3 months	1.5% (₹450/month)	10% (₹3,000)	₹4,350	₹34,350
₹50,000	3 months	1.5% (₹750/month)	10% (₹5,000)	₹7,250	₹57,250

The exact loan offer you get will depend on your profile, but you will always see the full breakdown before you agree. Check out your loan offer.

Why Choose RUPEE112 Over Banks?

For us, how much money you make today is more important than how much you made yesterday

Feature	Banks	RUPEE112
CIBIL Score Requirement	Usually 650–700+ required	No minimum score, based on income
Approval Time	Several days to weeks	Instant approval in minutes
Disbursal Speed	Can take 2–7 days	Same-day transfer, often within 10 minutes.
Paperwork	Lengthy forms and in-branch visits	100% digital, no branch visit
Loan Amounts	Higher loans, but harder to qualify	₹5,000 – ₹1,20,000, easy approval
Eligibility	Strict, past defaults are often rejected	Flexible, income-focused
Transparency	Additional charges may apply.	All charges shown upfront
Accessibility	Limited to working hours	24/7 application via app or website

The exact loan offer you get will depend on your profile, but you will always see the full breakdown before you agree. Check out your loan offer.

How Can You Build a Stronger Profile Over Time?

RUPEE112 doesn't have a minimum score requirement, but getting a better CIBIL score will help you get even better deals in the future. Here’s how:

Do not miss any bills or EMI payments.

Don't use more than 30% of your available credit.

Do not apply for too many loans at the same time.

If you pay back your RUPEE112 loan on time, you can get a higher limit.

If you pay your loans back on time, you can move up from small, short-term loans to bigger ones with lower rates.

Install Rupee112 App: Personal Loans with Minimum CIBIL Score

Download the Rupee112 app from the Play Store or App Store to access a quick personal loan with a low CIBIL score. Complete a simple online application, check your eligibility instantly, and access transparent loan options for quick and hassle-free borrowing.

FAQ: Minimum Cibil Score For Personal Loan

What is the minimum CIBIL score for a personal loan?

Banks usually ask for 650–700. At RUPEE112, you don't need a certain minimum score to apply.

Can I get a loan with a low score?

Absolutely. It's more important that you can make money and pay us back than that you have a good credit history.

How much can I borrow?

Anywhere from ₹5,000 to ₹1,20,000, based on what you say about yourself.

How fast is disbursal?

The money for most loans is sent to your bank account within 10 minutes of being approved.

Do I need a guarantor?

No. Your application is accepted as long as you have proof of income and know who you are.

Can I apply again?

Yes. When you pay back the loan, you can apply again, and this time the limit is usually higher.

Contact information

SOLOMON CAPITAL PRIVATE LIMITED is a Non Banking Finance Company (NBFC) registered with the Reserve Bank of India (RBI). RUPEE112 is the brand name under which the company conducts its lending operations and specialize in meeting customer's instant financial needs.

+91-9220644112

care@rupee112.com

498,FIRST FLOOR, UDYOG VIHAR PHASE 3, GURUGRAM, HARYANA, 122016

"Beware of fraud! Always use our secure Repayment Website Link for loan payments. Do not make direct bank payments. Rupee112 is not responsible for payments made to other accounts."