About Shubh Loans 

Shubh Loans is a simple application that was developed by a group of bankers, data experts, and technologists. The main objective of the app is to help users get easy access to the credit score and provide easy loans to meet any of the financial requirements. The primary aim of the company is to become the first credit scoring company to facilitates users with easy access to any credit that their need in the most transparent process possible.  So, if you are in an urgent need of funds, you can avail of a Shubh loan that is offered by the Datasigns Technologies instantly. 

Shubh Loan Personal Loan

An applicant can avail Shubh Loans purely based on his/her credit scores. The applicant can even get the recommendations on the size of the personal loan available and the possible loan repayment options based on the credit score. This is to make sure that the loan is affordable for the borrower. Shubh Loans Personal Loan is very easy to avail and provides you with great features like easy documentation and quick disbursal of the loans to ensure that you have access to funds whenever you require it.

Shubh Loans- Features and Benefits

  • Shubh Loans provides loan amount directly in the borrower’s bank account.
  • The transferred loan amount can be used anywhere for any purpose.
  • Top-up loan available after repayment of 50% of the current loan 
  • Its process hardly takes few minutes depends on the information.
  • Shubh Loans is a platform where a borrower can get a loan from Rs. 25000 to Rs. 5 Lakhs.
  • A borrower has an option to choose any personal loan as per the requirement.
  • Shubh Loans also offers a range of repayment tenures up to 4 years.
  • An applicant can get a small number of loans for a short period as per his/her requirement.

Shubh Loans Interest Rate

Shubh Loans comes at a competitive rate of interest. You can avail of a personal loan from the Shubh Loan. The rate of interest on Shubh Loans personal loan starts ranges from 1.25 % - 2 % (per month). The offered rate of interest may vary based on your CIBIL score, profile, and eligibility.

Shubh Loan Personal Loan EMI Calculator

EMI is the abbreviation of Equated Monthly Installment. It is the amount that a loan borrower has to pay throughout the loan tenure. In simple terms, EMI is a part of the due amount i.e. the principal and the interest accrued payable each month. The EMI calculation is quite a tough task to do especially to make the calculations speedily with pen and paper. But the EMI calculator allows you to accomplish the EMI calculation without even stepping out of your home and within a few seconds. And you do not even require to recheck the calculation if you make the use of the EMI calculator. Now days almost every lender has an online EMI calculator which is free of cost.

To calculate the EMI on Shubh Loans, here are the basic steps. Although the steps may vary based on the lender:

  • Step 1: Visit the official website of the lender.
  • Step 2: Select the option for ‘EMI Calculator’. 
  • Step 3: Fill the details like loan amount, rate of interest and repayment tenure.

It takes less than a minute to check the EMI amount against the personal loan to be taken.

Eligibility Criteria for Shubh Loans

The eligibility criteria for availing Shubh Loans may vary based on the applicant profile. Here are the generic criteria in which an applicant has to stand on to acquire Shubh Loans:

  • Salaried applicants should be between 21 to 60 years of age.
  • Employed for a minimum period of 3 months in the current job and have previous working experience also.
  • Having a net monthly salary/income of Rs. 12,000.

Documents Required for Shubh Loans

The following are the basic documents required to be submitted for the Shubh Loan.  

  • Passport-sized photograph
  • PAN Card – for Company/Firm/Individual.
  • A copy of any of the documents as identity proof:
  • Aadhaar Card.
  • Passport.
  • Voter's ID Card.
  • PAN Card.
  • Driving License.
  • Latest Form 16 and salary slip for salaried individuals.
  • A copy of any address proof documents:
  • Aadhaar Card.
  • Passport.
  • Voter's ID Card.
  • Driving License.
  • Bank statement of the previous 6 months.

How to Avail Shubh Loans ?

Here is the easy process to avail of Shubh Loans. 

  • Step 1: Download the Shubh Loans app from the Play store.
  • Step 2: Register your account.
  • Step 3: Once the mobile number is verified, fill in the personal details.
  • Step 4: Upload a photograph of your PAN and enter the details.
  • Step 5: Add details like the residential address, education, work experience, current employment, and salary.
  • Step 6: Upload your bank statement.
  • Step 7: Once the bank statements uploaded and verified, you can apply for the loan.
  • Step 8: Choose the EMI amount you can afford to pay monthly, the quantum of loan you require, the desired repayment tenure, and your loan purpose.
  • Step 9: Upload the photo.
  • Step 10: Upload the latest salary slips and proof of the residential address in PDF format.
  • Step 11: Share the contact details of two references (one family and one friend).
  • Step 12: The loan application is now complete and will be processed within 2 working days once approved.

How to Apply for Shubh Loans Personal Loan at Afinoz?

You can easily apply for a Shubh loans personal loan at Afinoz. It is a financial platform who has tie-ups with various lenders that provide short term loans purely based on the customer persona and KYC documents. So, if you are facing any difficulty in availing Shubh loans personal loan then go with Afinoz. Here are a few simple steps for applying for an easy loan:

  • Step 1: Visit the official site of
  • Step 2: Click on the “Apply” button.
  • Step 3: Choose the type of loan you want to avail of.
  • Step 4: Enter the basic details like required loan amount, type of employment, income, working tenure, existing monthly instalments (if any), mail id and others.

After entering all these details, a message will be displayed on the screen regarding your eligibility. And if you’ll be standing on the short-term loan eligibility criteria then the Afinoz team will contact you.

apply instant personal loan

Shubh Loans- Customer Care

Shubh Loans' customer support team strives to assist you. In case of any query or complain you can call them on Shubh Loans customer care +91 8880752752 and you can also connect via mail 


Q1How soon does the loan gets processed once approved?
After the loan approval, the loan is processed within 2 working days.
Q2If my loan gets rejected, can I apply again?
Yes, you can apply again after 6 months.
Q3 I am a self- employed person. Can I avail a personal loan?
No, Shubh Loans offers personal loans to only salaried professionals.
Q4How should I avail of a top-up loan from Shubh Loans?
You can send an email to regarding your top-up loan request and Shubh Loans will contact you shortly.
Q5How do I pay back the loan?
The loan is debited from your salary account on a predetermined date that will be communicated to you.
Q6Can I foreclose my loan?
Yes, you can foreclose your loan after paying the 12th EMI.
Q7Will I still get a personal loan if my CIBIL score is low or if I have defaulted in the past?
Shubh Loans provide a personal loan based on an individual’s Shubh Loans credit score, which includes your current repayment capacity and your past financial stability. If you meet the eligibility, you get a loan despite a low credit score.
Q8When and where will the agent come to collect my documents?
Once your loan is approved, the agent will call you to schedule an appointment and will collect the documents from your office or residence.
Q9Where do I receive the money after loan approval?
After the loan is approved, the amount will be disbursed to your salary account.
Q10What is the interest rate?
Our interest rate starts from 1.25% - 2% monthly flat. The exact interest rate applicable to the customer depends on the credit score and will be communicated after credit decisions.