A dream house. A new car. An international education. A wedding in the family.

Precious moments need to be cherished, without the worry of financial constraints. A loan helps take away that tension, but more often, the most harrowing experience is the loan application process itself.

Not anymore. With your Credit Score and Credit Information Report (CIR), you can now plan your loan requirement in a more organized manner.

The introduction of Cibil Market Place has simplified the loan application process even more. Instead of visiting multiple banks for a loan and awaiting confirmation of your eligibility, simply visit Market Place to compare the different deals offered on different loan types by different participating financial institutions based on your credit eligibility, and choose the one that fulfills your loan requirement the best.

Click Here to understand how your Credit Score facilitates the loan application process. Select the product below to read the FAQs on the respective loan category.


  • General Questions
  • Document Checklist
  • Loan Eligibility Calculator
What is an EMI?

An EMI, equated monthly installment, is the amount of money to be paid to the bank or lender on a monthly basis. It consists of the principal amount and the interest on said amount, equally divided by the number of months in the loan tenure. The EMI is paid on a fixed date of the month until the full amount has been repaid. Calculating your EMI in advance can help you plan your budget, because you will know exactly how much money to pay each month.

What are the different types of interest rate available?
  • Fixed interest rate :
    A fixed interest rate on a loan or mortgage stays at the predetermined rate for the entire term of the loan. This allows borrowers to plan their future payments. Usually personal loans and credit cards have fixed interest rates.
  • Floating interest rate :
    A floating interest rate fluctuates with the market or along with an index. Floating rates are usually offered for home loans; the prime lending rate or the base rate is used as a basis for calculating the floating rate and the interest rate charged is the prime interest rate/base rate plus a certain spread (as charged by the credit institution).
Latest Credit Score & CIR*    
Bank Statement    
KYC docs (identity, signature & address proof)    
Registration Papers    
Income Statement (such as salary slip)    
Property Papers    
Last 3 years IT return  (for self-employed only)  (for self-employed only)  

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* This is an indicative list and may differ from lender to lender.