Private-sector employees often need financing but worry that loans are easier for government staff to obtain. Speedy Paisa is built for salaried professionals in the private sector across Delhi NCR — what matters to us is a stable monthly salary and verifiable income, not the type of organisation you work for.
If you draw ₹35,000 or more each month, you can apply for a personal loan of ₹20,000 to ₹1,00,000.
Employees at private companies — whether in IT, retail, manufacturing, startups, BPOs, or services — form a large part of Delhi NCR’s workforce. Their income is regular and documented through salary slips and bank credits, which is exactly what we assess.
We evaluate your application on the strength and consistency of your salary rather than on the sector or size of your employer. As long as your salary is credited to a bank account and you meet the income threshold, your private-sector status is not a barrier.
The loan is a short-term product (3–12 months) with transparent pricing, issued under an RBI-registered NBFC framework, and available only within Delhi NCR. Physical verification is mandatory for every applicant.
We assess your salary and its consistency, not whether you work for a large corporate, an SME, or a startup.
A salary credited to your bank account and reflected in statements is the key requirement.
Loans of ₹20,000–₹1,00,000 over 3–12 months, suited to private employees’ typical needs.
Private-sector employment is fully eligible — no bias toward government jobs.
Salary slips and bank statements are usually sufficient to demonstrate income.
Interest and processing fee disclosed before you accept.
Issued under an RBI-registered NBFC with full documentation.
Confirm you are a salaried private-sector employee in Delhi NCR earning ₹35,000+.
Share your employment and income details and the amount you need.
We review your salary slips and bank statements to confirm steady income.
A mandatory in-person verification confirms your identity and address.
On approval, funds are credited to your account, usually within 24–48 hours.
Speedy Paisa charges interest at 0.33% per day on the sanctioned amount. For example, on a ₹50,000 loan held for 30 days, interest works out to roughly ₹4,950 (₹50,000 × 0.33% × 30). Interest accrues daily, so repaying early reduces your total cost.
A one-time processing fee of 10% plus applicable GST is deducted from the sanctioned amount at disbursal, so the net amount credited to your account will be lower than the sanctioned figure. All charges are disclosed to you in writing before you accept the loan — there are no hidden fees.
If your salary structure includes a significant variable or incentive component, keep recent bank statements handy so we can accurately assess your regular income.
Important: Guarantor Requirement
Applicants living in rented accommodation must provide a guarantor during loan processing. Applicants living in their own house do not need a guarantor. This requirement is part of our RBI-compliant NBFC verification process.
A product that treats private-sector salaried employees fairly and equally.
Assessment based on documented salary, not employer type.
Transparent, disclosed charges with no hidden fees.
Backed by an RBI-registered NBFC (Vintage Credit & Leasing Pvt. Ltd.).
Available only for salaried employees earning ₹35,000+ in Delhi NCR. Subject to eligibility, verification, and approval.
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