What is Flipkat Personal Loan?
Flipkart Personal Loan 2026 is a quick digital credit facility launched by the e-commerce company Flipkart in partnership with leading financial institutions like Axis Bank.
“Flipkart Pay Later” is only for shopping on the platform, while a Flipkart Personal Loan provides you with a cash amount based on your needs, which is deposited directly into your bank account. You can use this money for any personal requirement, such as a medical emergency, home repairs, a wedding, or travel. Today, in this discussion about Flipkart Personal Loan 2026, we will talk about what a Flipkart Personal Loan is and how you can avail of this loan.
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Intrest Rate & Charges For Flipkart Personal Loans?
Flipkart Personal Loans (offered through Axis Bank and its partners) will typically have starting interest rates of 9.75% to 10% per annum in 2026, along with a processing fee of 1-2% of the loan amount. These rates are slightly lower than in previous years due to the RBI’s reduction in the repo rate.
The interest rates for Flipkart Personal Loans are as follows:
| Intrest Rate For Flipkart Personal Loan | From 9.75% to 36% |
| Processing Charges | 3% + GST (Included) |
What is Eligibility For Flipkart Personal Loans?
If you need a Flipkart Personal Loan quickly, you will have to meet the eligibility criteria set by the company and the bank, which are quite easy to fulfill. You can understand these criteria through the table given below:
| Age Limit | 21 to 55 Years |
| Natinality | Indian |
| Minimum Monthly Income | 20,000/- Per Month |
Required Documents For Flipkar Personal Loans 2026
To avail of a Flipkart loan, you must have all the necessary documents. If you have the documents specified by Flipkart, Axis Bank, and their partner banks and companies, you can easily get a loan. The list of documents required for a Flipkart Personal Loan is as follows:
- PAN Card
- Aadhar Card
- Bank Account
Flipkart Personal Loans EMI Calculator
Whenever you take out a loan, you have to repay the amount with interest in monthly installments. Before taking out a loan, you can use the calculator below to estimate your monthly payment. This will help you in planning your finances. An EMI calculator is provided here. Give it a try!
How to Apply Flipkart Personal Loan in 2026
To apply for a Flipkart personal loan, you must be an eligible Flipkart customer. This loan is offered in partnership with Axis Bank. The entire process is digital: you apply through the Flipkart app/website, complete video KYC verification, and the loan is typically disbursed within 12 hours.
The steps for applying for a loan are as follows:
1. Assess your abilities
- Flipkart’s personal loans are available to select customers based on their credit profile.
- The loan amount ranges from ₹50,000 to ₹10 lakh.
- Loan tenure options: 6 months to 60 months (this depends on whether you are an existing Axis Bank customer or not)
2. Start Online Apply
- Log in to your Flipkart account (this can be done through both the app and the website).
- Go to the “Personal Loan” section (this is usually found under Finance/EMI options).
- Choose the loan amount and tenure according to your preference.
3. Provide Details
- Enter your basic personal and financial details (PAN card, Aadhaar card, income information).
- Axis Bank will check your creditworthiness, after which the process will proceed further.
4. Complete VIdeo KYC
- Now, your KYC verification will be done through a short video, which is absolutely necessary.
- Note that this step ensures compliance with RBI guidelines.
5. Loan Approval & Disbursement
- Once the loan is approved, the loan amount is transferred digitally to the account through the bank.
- The funds are usually deposited into your bank account within 12 hours.
📌Frequently Asked Questions related to Flipkart Personal Loan
1. What is Flipkart Personal Loan?
Flipkart has partnered with Axis Bank to offer personal loans to its customers. This loan can be availed directly through the Flipkart app and comes with EMI options.
2. What is Eligibility For Flipkart Personal Loan?
1. The applicant must be an Indian citizen.
2. Being an active customer on Flipkart is required.
3. You will need to pass Axis Bank’s credit check and scoring process.
3. How much loan amount can I get?
Flipkart Personal Loan offers loan amounts ranging from ₹25,000 to ₹5 lakhs (subject to customer profile and bank approval).
4. How much Intrest Rate For Flipkart Personal Loan?
The interest rate on Flipkart Personal Loans is determined by Axis Bank and depends on the customer’s credit history. The rates are generally competitive and attractive.
5. What is the loan tenure?
The minimum duration can be 6 months and the maximum duration can be 36 months.
6. How to Apply For Flipkart Personal Loan?
1. Open Flipkart App or Webite
2. Go to the “Loan/EMI” section.
3. Check out the offers provided by Axis Bank.
4. Upload the required documents and submit the application.
