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Personal Loans made simple!

Find the loan that's perfect for you!
Apply now!
Choose your employment status to find the Qbera Loan that’s best for you!
I am Salaried (I currently work for a Private Ltd, Public Ltd, Govt., LLP)
I am Salaried (I currently work for a Proprietorship, Partnership Firm)
I am Self Employed (I have my own business)
I am Currently Not Employed
Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

Instant Loan in Kolkata

An instant loan in Kolkata from Qbera can be your best solution if you're looking for urgent access to funds. Qbera offers instant personal loans to salaried individuals with a minimum net monthly income of Rs. 18,000. Loan amounts range from Rs. 1,00,000 to Rs. 25,00,000. Qbera uses risk-based pricing to determine the interest rate on applications. Currently, interest rates range from 10.99% p.a. to 30% p.a. 

Features of Instant Loans in Kolkata from Qbera

Personal loans in Kolata for individuals with sub-prime credit scores: If you have to be eligible for an instant personal loan from Qbera, you should have a minimum credit score of 600. Most top banks that offer loans to self-employed and salaried individuals require applicants to have a minimum credit score of 750. However, instances of defaults shouldn't have occurred in the last 12 months. 

Individuals with mid-income levels are eligible too: If you look at this feature comparatively by pitching the eligibility set by top private banks and Qbera, mid-level income groups find it quite difficult to get a personal loan, as most top banks demand a minimum monthly income of above Rs. 30,000. Qbera, however, requires applicants to meet a minimum income level of just Rs. 18,000/month, much lower than the level demanded by top private banks. 

Same day loan approval: When you apply for an instant loan in Kolkata from Qbera, you are certain to receive instant approval if your profile meets the internal credit norms. If you submit your documents on the very same day, you will receive final approval and a customized loan offer on the very same day. Once you accept your customized loan offer, you will receive your loan amount within 24 hours post that. Note that approval will depend on a bunch of parameters including your credit score, repayment behavior, current levels of debt, employment stability and your age. 

Loans for employees of uncategorized companies: f you are working with an employer/company that isn't listed in the database of a lender, you might face rejection - this is a case common in the case of top private banks, as they usually refrain from offering personal loans to employees of uncategorized or unlisted companies. Qbera, however, does not reject applicants on this basis and offers quick loans in Kolkata to employees if unlisted companies as well. 

Digital application: The application process is almost completely digital, and all your documents can be submitted online. An executive will visit you to collect only the physical copies of your KYC documents. You will also be required to provide Cheque leaves from your salary account (5 nos.) and your photograph (passport sized).

Robust customer support: Qbera boasts a robust customer service network - current and potential borrowers can reach support executives through phone, e-mail or whatsapp. 

Tips to improve your approval chances for an instant loan in Kolkata from Qbera

  1. Make sure you have no defaults in the last 12 months. 
  2. EMI bounces (ECS bounces) over the last 3 months can hurt your approval chances as well. 
  3. You should be employed with your current employer for at least 3 months, and you should be over 23 years old. 
  4. Your net monthly income should be over Rs. 18,000. 

View a complete list of our FAQs at our help center

Interest Rate & Other Charges

Interest Rate
11.99% to 35.99%
Processing Fee
1% to 5% of total loan amount
Loan Amount
₹1,00,000 to ₹15,00,000
Loan Tenure
12 to 60 months
Getting a Qbera Smart Loan is Simple
Fill out our online application form
Step 1: Online Application Form
Get approved instantly
Fill out our online application form by answering a few questions about yourself, your employment, your education, expenses and needs. This process would take no longer than 10 minutes.
Connect your Bank Account
Step 2: Connect bank account
Submit your bank statements
Connect securely to your bank via netbanking and submit bank statements as part of the easy loan application form. Alternatively, you can upload bank generated pdf bank statements.
Select your loan term
Step 3: Loan term
Choose your Loan Term
Using our proprietary Credit Scoring Algorithm we determine your loan eligibility in real-time. Our algorithm uses the information about you, to determine your future potential and help you get the best rate instantly.
You’re done! Get the money in your Bank Account as early as tomorrow.
Example: A loan offer of ₹2 lac, for a tenure of 3 years at an interest Rate of 16.6% (on a reducing principal) and a processing fee of 2.5%. Translates to:
  1. Processing Fee deduction of ₹5000 (2.5% of 2 Lacs) from loan amount, thus, the amount credited to your account will be ₹1.95 Lacs
  2. EMI of ₹7091 per month
  3. Total payable amount in 3 years = 36 times ₹7091 = ₹2,55,276
  4. Total Interest paid in 3 years = ₹55,276, hence, annual interest paid = ₹18,425 (which translates to an effective flat annual rate of interest of 9.21%)
Repaying a Qbera Smart Loan is just as Simple
Repay your loan with automatic EMI payments.
  • Age: 21-57 years old
  • Net Monthly Income must be more than Rs. 18,000.
  • No defaults in the last 24 months.
  • Aadhaar Card
  • PAN Card
  • Current Address Proof


"I am really happy that I got a loan from Qbera. My application has been rejected by lenders in the past without giving any explanation for rejection. Qbera approved my loan with minimum documents. Thanks a lot once again."



"I would like to thank Qbera for speedy loan processing. I was having a tough time in deciding which bank would actually take my request for a loan as the loan was supposed to be for credit card payoff. I was forced to use my credit card for an unforeseen expense which I could not avoid and was finding it tough to pay back due to the high interest cost on credit cards. I did not want to make many enquiries as many requests can lower the CIBIL score. I contacted Qbera on a Monday and by evening itself they had an offer for me. They kept me informed through every step of the process and were also flexible with regards to my commitments. In the end, the loan was disbursed within two days of documents submission. Thank you Qbera for simplifying the process and helping me find a loan. " Show more...



"It was a nice experience with Qbera. I have never seen such an easy process for getting a loan, especially when you need it the most. Thank you Qbera for your support."



"I had a hassle-free experience with Qbera. It was a very easy application procedure and in a short span of 3 days I got my loan credited to my account. Thank you so much for the support Team Qbera"



"It was very easy to get a loan from Qbera. I just applied on their website and got a confirmed offer immediately. The amount was transferred soon after. Will give it 5 out of 5"



"It's good and quick response from the Qbera team to get the loan. They are very good at the communicating the things properly and appropriately"

Are you ready to get your Qbera Smart Loan?
Apply Now


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We are a Bangalore-based company offering digital, quick, hassle-free personal loans to people when they need them.

Loan amounts range from Rs.1,00,000 to Rs.15,00,000. APR ranges from 11.99% to 35.99%. Loan lengths range from 12 to 60 months. Administration fee ranges from 1% to 5%.

* Subject to Risk Profile

Need Help?
Contact our support team via WhatsApp by clicking below:

E-mail: contact@qbera.com
Phone: 1800 4198 121
Whatsapp:+91 72080 56906
2nd Floor, Featherlite Vista Building,
MV Jayaram Road,
1st Main, Vasanth Nagar.
Bangalore 560 052

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