To get a personal loan, start by checking your credit score to ensure it meets the lender's requirements. Research different lenders, such as banks or NBFCs, and compare their interest rates, fees, and terms. Gather necessary documents like identity proof, income proof, and address proof. Apply online or at the lender's branch, providing the required documents. Once your application is processed, the lender will assess your eligibility and approve the loan if you meet their criteria. After approval, review the terms and receive the loan disbursement. Make timely repayments to maintain a good credit score.

To get a personal loan, follow these steps:

1. Check Your Credit Score: Ensure your credit score is in good standing (usually above 650). A higher score improves your chances of loan approval and may help you secure better interest rates.
2. Research Lenders: Compare loan offers from banks, NBFCs, and online lenders. Consider interest rates, loan tenure, processing fees, and other terms.
3. Check Eligibility: Ensure you meet the eligibility criteria, including minimum age, income, employment status, and credit score. Each lender may have specific requirements.
4. Gather Documents: Collect necessary documents such as identity proof (Aadhaar, passport), address proof, income proof (salary slips, bank statements), and employment details.
5. Apply for the Loan: You can apply online or visit the lender's branch. Submit the required documents along with your application.
6. Wait for Approval: The lender will assess your application, including your creditworthiness and financial status. This may take a few days.
7. Review the Loan Offer: If approved, review the loan agreement, including interest rates, EMI terms, and any additional fees.
8. Disbursement: Once you accept the offer, the loan amount will be disbursed, either through cheque, bank transfer, or cash.