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The honest answer is a ratio, not a multiple of salary. Here's the three-line calculation behind your loan amount, worked through for ₹35,000, ₹50,000 and ₹80,000 take-home salaries, plus when borrowing less is the better call.
Room-rent caps, co-pays, waiting periods and treatments outside the policy leave real gaps. Here's how to size that gap, work out the EMI before you commit, and decide whether a personal loan is the right tool — from the credit desk.
Most salaried personal-loan applications at Securis finish in one to two working days. Here's what happens in each stage, which parts of the clock you control, and the four things that quietly add a day.
Two people earning ₹45,000 a month can get very different answers from a lender — because one salary is visible in a bank statement and the other isn't. Here's what an underwriter can actually assess, and what to do if part of your income arrives in cash.
FOIR is the single number that turns your salary into a loan amount. Here's exactly what counts as an obligation, what doesn't, and three worked examples showing why a ₹72,000 salary can qualify for less than a ₹48,000 one.
Consolidating three or four expensive balances into one personal loan can cut your total interest sharply — but only if the new rate is genuinely lower and you stop re-borrowing. Here's the arithmetic from the credit desk, and the cases where it doesn't help at all.
Your bank statement is the single most decisive document in a personal loan file — more than your CIBIL score, more than your CTC. Here's exactly what an underwriter reads in those six months, and what you can fix before you apply.
When a hospital hands you an estimate you didn't budget for, the clock matters as much as the money. Here's how a salaried personal loan actually comes together in 48 hours from the credit desk — and, honestly, when you shouldn't reach for one at all.
