Clix Capital Personal Loan


Clix Capital offers personal loans of up to Rs. 10 Lakhs with instant approval within 24 hours. The loan is collateral-free and requires minimal documentation. Clix Capital provides personal loans for various purposes, including travel, education, wedding, medical emergency, and home renovation. The eligibility criteria include a minimum age of 21 years, a maximum of 58 years, and a minimum net monthly income of INR. 20,000.

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Clix Capital Personal Loan

  • Interest Rate

    14.99% - 24.99%

  • Loan Amount

    ₹1L - ₹10L

  • EMI Per Lakh

    ₹2,378 - ₹2,935

  • Processing Fees

    Up to 10% of loan sanctioned
  • Pre-Payment Charges

    5% of Principal foreclosed (post 6-month lock-in)

Features and Benefits of Clix Capital Personal Loan

Clix Capital offers a diverse range of features and benefits to its customers. Some of them are listed below:

  • Hassle-Free Loan Processing: The process of applying for a personal loan online at Clix Capital is fairly simple, and you can do it from the comfort of your home. All you have to do is visit the website, fill up the application form and upload the required documents.
  • Instant Approval and Disbursal: You can receive the approved loan amount in your savings account within just 15 minutes.
  • Flexible to Use: You can use Clix Capital Personal Loan for any purpose you want. It could be for a home renovation, wedding, debt consolidation, higher education, vacation, or medical emergency.
  • Easy Documentation: Minimal documentation is required. All you need to provide is your identity proof, address proof, and income proof with basic documents. If your KYC is updated with PAN or Aadhaar, you can get your documents verified online.
  • No Collateral Required: As personal loans are unsecured forms of loans, you don't have to pledge any security or collateral to secure your loan.
  • Flexible Repayment: You can opt to repay in easy EMIs. You have the flexibility to choose any loan tenure based on your monthly budget and repayment potential.

Clix Capital Personal Loan Fees and Charges

When you apply for a personal loan, you have to pay certain fees and charges. Clix Capital imposes the following charges on the personal loan availed by borrowers: 

Types of Fees and Charges Fees and Charges Applied
Processing Fees Up to 10% of loan sanctioned
Foreclosure Charges 5% of Principal foreclosed (post-6-month lock-in)
PDD/PDC/ECS/NACH bounce – per presentation Rs. 300 per instance
Stamping Charges As per specific rates defined by regulators
Payment Instrument Swap Charges Rs. 500 per instance
Issue of Duplicate No Objection Certificate Rs. 500 per instance
Post Disbursal Loan Cancellation Charges Rs. 2,000

Clix Capital Personal Loan Interest Rates

The basic details of Clix Capital Personal Loan interest rates are as follows:

Loan Amount Up to ₹25 lakhs
Loan Tenure 12 to 48 months
Interest Rate 14.99% to 24.99% (Variable)
Processing Fee Based on the Loan Amount
Note: The interest rates vary and depend on the customer’s credit profile.

Factors Affecting Clix Capital Personal Loan Interest Rates

The several factors that affect the interest rates of Clix Capital Personal Loan are:

  • Credit Score of the Borrower: Borrowers with a credit score of 750 and above are more likely to receive lower interest rates.
  • Loan Tenure: The lesser the loan tenure, the lower will be the interest rate.
  • Income: Lenders offer a deduction benefit on loan interest rates to borrowers with higher salary brackets.
  • Employer's Status: If the borrower is working with a reputed or renowned organisation, they may receive an exemption on the interest rate.
  • Relationship with the Lender: Maintaining a good relationship with the lender and being loyal to them will get you a better deal on the loan's interest rates.
  • History of Defaults: If the borrower has ever been on the defaulter's list, it will create a negative perception of them in the lender's mind. As a result, they may have to pay higher interest rates or may not even get their personal loan application approved. So, it's best to maintain a defaulter-free credit history.
  • Debt-to-Income Ratio (DTI): The lower the DTI ratio, the lower will be the interest rate.

Documents Required for Clix Capital Personal Loan

If you want to apply for Clix Capital Personal Loan, submit the following documents online:

  • Duly filled Clix Capital Personal Loan online application form
  • Recent passport-sized photograph
  • Identity proof like PAN card or Aadhaar card or government ID for government employees
  • Address proof like Voter ID, Aadhaar card, driving licence, passport, etc.
  • Income proof, including your current year's Form 16 or your last month's payslip.

If your KYC (Know-Your-Customer) is updated with your PAN and Aadhaar, you don't have to upload or submit the documents anywhere. They can be verified online within minutes.

How Does the EMI Calculation Work for Clix Capital Personal Loan?

Clix Capital gives you 12 to 48 months to repay your personal loan in easy instalments. You have the flexibility to choose the loan tenure within this range, depending on your monthly repayment potential and budget. You may get an estimate of your EMIs using Urban Money's easy to use Personal Loan EMI calculator and adjust your loan amount or tenure accordingly.

Enter the total amount of loan, interest rate, and loan tenure in the respective fields and click on the 'Calculate' button. The result will display the monthly EMI to be paid, the total amount payable (principal + interest), and the total interest amount payable.

The formula for calculating personal loan EMI is:

EMI = [P x R x (1+R)^N]/[(1+R)^N-1]


  • EMI = Equated Monthly Instalments
  • N = Number of monthly instalments
  • P = Principal Loan Amount
  • R = Rate of Interest

How Does Clix Capital Compare with Other Lenders?

To know how Clix Capital compares with other lenders, glance through the table given below:

Banks/NBFCs Interest Rates (per annum) & onwards
Clix Capital 14.99%
SBI 9.60%
HDFC Bank 10.25%
ICICI Bank 10.25%
PNB 7.90%
Kotak Mahindra Bank 10.25%
Axis Bank 10.25%
IDFC First Bank 10.49%
IndusInd Bank 10.49%
Tata Capital 10.99%
Bajaj Finserv 13.00%

Clix Capital Personal Loan Customer Care Number

For any queries or additional information on Clix Capital personal loan, you can contact the customer care department either by phone, email or through their website.

Customer Care Number: 1800-200-9898, 0124-4545965 or 0124-3817400.

You can call the Clix Capital Personal Loan customer care number between 9:30 AM to 6:30 PM from Monday to Saturday.


Mention your name, loan account number, and contact number in the subject line.

Online Chatbot: You can chat with Maya - the CLIX virtual assistant, on their official website.


From refinancing to reducing your interest, we have the answers right here.

Do you require collateral for getting a personal loan?

No, personal loans availed through Clix Capital are absolutely collateral-free. This means that you can get them without any security, collateral, or guarantor. The company assesses your creditworthiness by verifying your repayment history and credit score.

Can a self-employed person avail of a personal loan from Clix Capital?

No, Clix Capital Personal Loan provides loans only to salaried individuals.

Can I apply for a Clix Capital Personal Loan if I am earning ₹18,000 per month?

No, you must earn at least ₹25,000 per month to be eligible to apply for Clix Capital Personal Loan.

What is the maximum personal loan you can avail of?

The maximum amount of personal loan you can avail of from Clix Capital is ₹25 lakhs. Nevertheless, the loan amount approved depends on your loan tenure, documents, credit score, salary, employment, personal requirements, and other factors.

What is the difference between a term loan and a flexi loan?

A lender offers a term loan for a certain period of time with a fixed repayment schedule having a fixed interest rate. On the other hand, in a Flexi loan, you only pay the interest for the borrowed amount and not for the total loan amount sanctioned to you. Flexi loans also allow partial prepayments and help you build up your savings.

How long does it take for a personal loan to get approved?

Your application for a personal loan at Clix Capital can get approved in as little as 15 minutes if you meet their eligibility criteria and produce every document as required.

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