High-Ticket Personal Credit
From ₹10 Lakhs up to ₹10 Crore - far beyond standard consumer personal loans. Sized to your income and profile.
Personal Loan
Plan personal finance around what comes next.
High-ticket personal credit for business owners, professionals and salaried individuals - basis income, profile and bureau. Collateral-free and secured options across Government, MNC and Private Banks.
- Loan Amount
- ₹10 Lakhs – ₹10 Crore
- Interest Rate
- 10.5% – 18% p.a.
- Tenure
- 12 – 84 Months
- Processing Fee
- 0.5% – 2% of loan amount
About Personal Loan
BankBrick arranges Personal Loans from ₹10 Lakhs to ₹10 Crore - designed for business owners, self-employed professionals (CAs, doctors, architects, lawyers, consultants), and high-income salaried individuals. Unlike standard ₹5–25 Lakh consumer loans, these are high-ticket facilities structured against income, business cash flow, bureau profile, and optionally against property or financial assets. Common use cases include debt consolidation, acquisition financing, large medical or education expenses, property registration, business gap funding, and personal wealth events. We place the proposal across Government Banks, Leading MNC Banks and Private Banks for the best rate and tenure.
Key Features
Collateral-Free or Secured
Unsecured up to typical bank caps; beyond that, structured against property, FDs or other financial assets at lower rates.
For Business Owners
Self-employed business owners with strong financials, banking conduct and CIBIL - assessed on business cash flow, not just salary.
For Professionals
Doctors, CAs, architects, lawyers, consultants - preferential pricing under professional loan programs of leading banks.
Flexible End-Use
Debt consolidation, property registration, business gap, medical, education, wealth events - no end-use restriction.
Multi-Bank Placement
Proposal placed across Government Banks, Leading MNC Banks and Private Banks for the best rate, tenor and processing.
Why Choose BankBrick for Personal Loan?
- High-ticket credit up to ₹10 Crore - not a standard ₹25L consumer loan
- Income-led assessment for business owners and professionals
- Best rate across Government, MNC and Private Bank channels
- End-to-end documentation and packaging by our team
- Faster processing for clean profiles with complete documentation
- Post-sanction support - top-up, balance transfer, refinancing
Eligibility Criteria
| Applicant Type | Business owners, self-employed professionals, salaried (CXO / high-income) |
|---|---|
| Age | 23 – 65 years |
| Minimum Income | ₹1 Lakh/month salaried or ₹15 Lakhs/year business income (varies with quantum) |
| CIBIL Score | 700+ preferred; 650+ considered with strong income & banking |
| Vintage | 3+ years for self-employed; 2+ years current employment for salaried |
| DBR / FOIR | Total EMI obligations within 50%–60% of net income |
Required Documents
- PAN Card + Aadhaar Card
- Last 6 Months Bank Statements (personal + business)
- Last 3 Years ITR with computation (self-employed)
- Last 3 Months salary slips + Form 16 (salaried)
- Business registration / professional certificate
- Existing loan sanction letters (for consolidation cases)
- Property / FD documents (for secured structuring)
- Passport-size photograph
FAQ
Common Questions, Clear Answers
Have more questions? Our team is here to help. Reach us on WhatsApp or give us a call.
How is this different from a standard personal loan?
Standard consumer personal loans typically cap at ₹25 Lakhs and are sized to salary slips. BankBrick arranges high-ticket personal loans from ₹10 Lakhs to ₹10 Crore - assessed on total income (business cash flow + salary + other income), bureau profile, and optionally against property or financial assets. The structuring, lender pool, and pricing logic are all different.
Can I get a ₹10 Crore personal loan without collateral?
At very high quantum, banks typically require partial collateral or alternate security - most often a property mortgage or pledge of financial assets - even though the product is positioned as a personal loan. The exact threshold varies by lender and applicant profile. We structure the right hybrid to maximise quantum and minimise rate.
I am a self-employed professional. Which banks have the best programs?
Several Leading MNC and Private Banks run professional loan programs offering preferential rates for doctors, CAs, architects, lawyers, and consultants. Eligibility is assessed on professional vintage, ITR trend, and banking conduct. We identify the best fit based on your specialisation and city.
What is the typical end-use for a high-ticket personal loan?
Common use cases include debt consolidation (paying off multiple existing loans at higher rates), property registration / stamp duty top-up, large medical or education expenses, business cash flow gap funding (when business credit is constrained), and personal wealth events such as investments or asset purchase.
How long does it take to get sanctioned?
For clean profiles with complete documentation, sanction typically takes 3–10 working days depending on lender and quantum. Larger or hybrid-structured cases may take 2–4 weeks. We compress timelines by preparing the proposal pack upfront and placing it with the right credit desks.
Discuss Your Requirements
Discuss Your Requirements