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Getting a personal loan has never been easier

Tell yourself: I have money. I only need to plan rich.

The best workers are not hard workers but smart workers. Fund your travel, education, gadget purchase, marriage and leisure time with hassle free documentation and minimal paperwork.

Unlock tomorrow's income, today.


Retra is a state-of-the-art digital finance company. We facilitate cost-effective processing of loans. Our tamper proof digital control system gives you the benefit of complete security of your personal details and documents

Minimal Documentation


Live status Tracking

Time is money

Health and Wellness loan

EMIs at 0% interest


Our very own personal loan application bot!

Tara is online 24/7 and quick, smart and easy to talk to.

Your loan journey in
3 simple steps

Step 1


Step 2

Your EMI

Step 3

Get Funded

Personal loans for what you
need and when you need them.

Understanding Credit Score

A credit score is your credit history graded and expressed in a number.

Read More

Debt & Fear

Say this to yourself - 'Am in debt'. What do you feel?

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Good times for personal loans

Have you been hounded by a telemarketer offering pre-approved personal loans?

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Personal loan v/s Credit card loans

Your credit history is not important to us. Your grit to move forward is.

Read More

Common Questions

A personal loan can be used for almost any type of expense ranging from big ticket appliance purchases and home renovations to luxury vacations and weddings. Some other cases where personal loans may be useful include payment of unexpected medical bills, fixing your car or relocating to a new city.
You must have a regular source of income to avail a personal loan. A person’s eligibility is also affected by the company he/she is employed with, his/her credit history, his/her residential location and other factors as per the lender’s criteria.

Eligibility of salaried:

  • Individuals above 21yrs
  • Borrower should be with the current employer for minimum 1 Year.
  • Minimum Net Salary 18000 Per Month.
  • Salary should be credited through Cheque or in bank account. No cash.

The documents required to process personal loans:

  • Identity proof (any one)
    • Pan
    • Masked Aadhar
    • Driver’s
    • Voter Id
    • Passport
  • Current / permanent residence address proof (any one)
    • Phone bill
    • Electricity Bill
    • Gas bill
    • Masked Aadhar
    • Driver’s
    • Voter Id
    • Passport

    Please note: Identity and Address proof cannot be the same

  • Salary slips for 3 months
  • 6 months Bank Statements
  • Appointment letter and proof of work experience
  • Photograph
You can get a personal Loan from ₹50K upto ₹10lakhs
12 months, 18 months & 24 months.You can choose from any of the three tenures
Yes, Retra charges a non-refundable processing fee for every personal loan application. The processing charge to avail personal loan ranges from 1.5% to 2% (subject to change) of the loan amount plus GST as applicable.

Yes, we require a CIBIL score. Credit scores are important benchmarks that allow lenders to offer the lowest rates. To learn more about credit scores, click here. Apply Now to check your eligibility and avail low-cost credit.

Get in touch

Whats App :- 9326269594

Request a call back :- Just leave your Name & contact now do let us know the good time to talk with you.

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Personal loan EMI calculation is highly influenced by the below factors:

  • Loan amount: This amount is determined by the lender based on your eligibility and credit profile. Opting for a high loan amount attracts a high EMI.
  • Rate of interest: This factor is determined by the lender based on various factors like your age, income, credit score, residence type, and others. The higher the rate of interest, the higher is the EMI amount you will have to pay each month.
  • Tenure of the loan: Longer the tenure, lower the EMI. You can usually opt for a tenure ranging from 6 months-72 months. Also, note that long tenure is likely to attract a high-interest rate.

To get a personal loan at a low-interest rate, do the following:

  • Opt for a suitable loan tenure
  • Maintain a good credit score
  • Opt for a lender offering low-interest rate

You can calculate your personal loan EMI amount instantly using the Retra personal loan EMI calculator.

Retra personal loan calculator takes into account the yearly interest rate to help you get a precise EMI amount.

Apply For Personal Loan