Who can apply
- Indian resident
- Age 21 to 60 years
- Salaried or self-employed with regular income
- Minimum monthly income of ₹15,000
- A credit history that meets each lender’s policy
Personal loan in Gurugram
Personal loan in Gurugram, compared.
Share your details once. Our team will connect you with RBI-regulated banks and NBFCs that lend in Gurugram, and explain every cost before you choose.
- Lenders that serve your PIN code
- No fee to apply
- Never pay upfront
At a glance
Personal loans in Gurugram.
Final amount, rate and tenure depend on the lender and your profile.
- Loan amount
- ₹5,000 – ₹5,00,000
- Tenure
- 6 – 60 months
- Interest (APR)
- Set by each lender, shown in its Key Fact Statement
- Collateral
- Not needed for most personal loans
Local guide
Borrowing in Gurugram.
Gurugram is one of India’s biggest office centres, with IT, consulting and finance firms around Cyber City, Golf Course Road and Udyog Vihar, and factories in Manesar and IMT, where car makers and their suppliers are based. Many borrowers here are salaried and moved to the city for work.
People in Gurugram borrow for a rental deposit, a wedding, a course to move up at work, or medical costs. Salaried applicants should keep their latest salary slips and 3 months of bank statements ready. Because many residents came from other states, the address on their Aadhaar is often in another town: keep a rent agreement and a recent electricity bill from DHBVN (Dakshin Haryana Bijli Vitran Nigam) as proof of where you live now.
Lenders decide PIN code by PIN code which areas they serve, so share yours to see who can lend to you.
Lenders differ by PIN code.
Each lender serves its own areas. When you apply, we show you only the lenders that cover your PIN code.
How it works
From your details to a lender in Gurugram.
No branch visit to apply with Firstfund. The lender does its own KYC: online with Aadhaar, by video call, at your doorstep or at a branch.
Share your details
Tell us the amount, what it’s for and your Gurugram PIN code. It takes about 3 minutes.
We connect you
When you apply, we show you the lenders that fit your area and profile.
You decide
The lender shares its offer and Key Fact Statement. You choose whether to go ahead.
Eligibility
Who can apply and what you need.
Each lender sets its own criteria. Keep these handy; you won’t need to upload them on Firstfund.
Documents lenders usually ask for
- PAN card
- Aadhaar (for KYC, with your consent)
- Bank statements for the last 3 months (salaried) or 6 months (self-employed)
- Salary slips (salaried) or ITR (self-employed)
- Address proof, if different from Aadhaar
- Proof of your current Gurugram address, if different from Aadhaar
Common uses
Borrow for what matters to you.
Good to know
Your rights as a borrower.
A Key Fact Statement before you sign
The lender must give you a Key Fact Statement with the APR, every fee and the repayment schedule before you sign. It stays valid for at least three working days, and a fee that isn’t in it can’t be charged without your consent.
Prepaying a floating-rate loan
For floating-rate personal loans sanctioned or renewed from 1 January 2026, lenders can’t charge a fee to prepay. Most personal loans have a fixed rate, so check the prepayment terms in the KFS.
Never pay to get a loan
Firstfund doesn’t charge you to apply. A real lender pays the loan into your own bank account, deducts any processing fee shown in the KFS, and never asks for money upfront.
Based on Reserve Bank of India directions on Key Facts Statements (2024), pre-payment charges (2025) and digital lending (2025). Your lender’s KFS and loan agreement have the final terms.
Questions
Personal loans in Gurugram: FAQs.
Do I need to visit a branch in Gurugram?
Usually not. RBI rules let banks and NBFCs complete KYC by video call, and many collect documents online or at your doorstep. Some lenders may still ask you to visit a branch.
I’ve just moved to Gurugram. Can I still apply?
Yes. Lenders may ask for proof of your current address, such as a rent agreement or utility bill, and may check how long you’ve lived and worked here.
Are interest rates different in Gurugram?
Rates depend mainly on the lender and your profile: income, credit history and existing loans. Your city affects which lenders can serve you.
My Aadhaar still shows my home-town address. Can I apply in Gurugram?
Yes. Lenders also need proof of where you live now, so keep a rent agreement and a recent electricity bill for your Gurugram address. Each lender lists the documents it accepts.
I changed jobs a few months ago. Will that affect my application?
It can. Many lenders look at how long you have been in your current job and how long you have worked in total. Keep your offer letter, your latest salary slips and bank statements that show the new salary.
Does Firstfund charge me anything?
No. Sharing your details with Firstfund is free. Lenders may charge a processing fee, which they must show in the Key Fact Statement.
Your next step
Ready for your next step?
Share your details once. Our team will connect with you about the next steps.
Apply now
Free. Firstfund never asks for an upfront payment.