What is a travel loan?

A travel loan is an unsecured personal loan used to finance travel expenses including flights, accommodation, visa fees, travel insurance, and activities. It lets you travel now and repay in comfortable monthly EMIs.

How much can I borrow for travel?

Travel loans on Samridhya range from ₹50,000 to ₹10 Lakhs depending on your income, credit score, and travel destination.

Can I use it for international travel?

Yes, travel loans cover both domestic and international travel including flights, hotels, visa fees, and travel insurance.

What documents are needed?

PAN Card, Aadhaar Card, bank statements (3 months), salary slips or ITR, and optionally your travel itinerary. All uploaded digitally.

How quickly will I get the loan?

Most travel loan applications are processed within 24-48 hours with funds disbursed directly to your bank account.

What is the interest rate?

Travel loan rates start from 10.99% p.a. depending on your credit score and the lender. Compare offers on Samridhya for the best rate.

Do I need to show my travel bookings?

Showing travel bookings or itinerary is optional but can help in faster processing and approval.

Can I prepay the travel loan?

Yes, most lenders allow prepayment after 12 months with no charges. Before 12 months, a small prepayment fee may apply.

Travel Loans for Your Dream Vacation

Don't postpone your dream trip. Samridhya connects you with travel loan offers from multiple lenders — covering flights, hotels, visa fees, travel insurance, and experiences. Quick approval with competitive rates from 10.99% p.a.

Apply Now Calculate EMI

₹10 Lakhs

Maximum Loan

From 10.99%

Interest Rate

24-48 Hours

Approval Time

12-48 Months

Tenure

What Can You Finance?

Flights & Transport

Domestic and international airfare, train tickets, and local transportation.

Accommodation

Hotel bookings, Airbnb, resorts, and homestays.

Visa & Documentation

Visa fees, travel insurance, passport renewal, and documentation charges.

Experiences

Tours, activities, adventure sports, and local experiences at your destination.

Why Choose Samridhya?

International & Domestic

Finance travel to any destination — domestic vacations or international holidays.

Quick Approval

Get approved within 24-48 hours and start booking your trip.

No Collateral

Unsecured personal loan with no property or asset pledge required.

Flexible Tenure

Choose repayment from 12 to 48 months based on your budget.

Cover All Expenses

Use for flights, hotels, visa, insurance, activities — any travel expense.

Compare Lender Offers

See travel loan offers from multiple banks and NBFCs on Samridhya.

Eligibility Criteria

Indian citizen aged 21-58 years
Salaried or self-employed individual
Minimum monthly income: ₹15,000
Valid PAN and Aadhaar card
Travel itinerary (optional, helps in faster processing)
Minimum CIBIL score: 650

Travel Loan — Frequently Asked Questions

What is a travel loan?: A travel loan is an unsecured personal loan used to finance travel expenses including flights, accommodation, visa fees, travel insurance, and activities. It lets you travel now and repay in comfortable monthly EMIs.
How much can I borrow for travel?: Travel loans on Samridhya range from ₹50,000 to ₹10 Lakhs depending on your income, credit score, and travel destination.
Can I use it for international travel?: Yes, travel loans cover both domestic and international travel including flights, hotels, visa fees, and travel insurance.
What documents are needed?: PAN Card, Aadhaar Card, bank statements (3 months), salary slips or ITR, and optionally your travel itinerary. All uploaded digitally.
How quickly will I get the loan?: Most travel loan applications are processed within 24-48 hours with funds disbursed directly to your bank account.
What is the interest rate?: Travel loan rates start from 10.99% p.a. depending on your credit score and the lender. Compare offers on Samridhya for the best rate.
Do I need to show my travel bookings?: Showing travel bookings or itinerary is optional but can help in faster processing and approval.
Can I prepay the travel loan?: Yes, most lenders allow prepayment after 12 months with no charges. Before 12 months, a small prepayment fee may apply.

Travel Loan Interest Rates Comparison 2026

Compare travel loan rates from top banks and NBFCs available through Samridhya.

Lender	Interest Rate (p.a.)	Max Amount	Tenure	Processing Fee
Bajaj Finserv	11.00% - 16.00%	₹10 Lakhs	12-48 months	1.5% - 3%
HDFC Bank	10.50% - 21.00%	₹10 Lakhs	12-48 months	Up to 2.5%
ICICI Bank	10.75% - 19.00%	₹10 Lakhs	12-48 months	Up to 2.25%

*Rates are indicative and subject to change based on your credit profile. Last updated: April 2026.

Travel Loan Fees & Charges

Complete transparency on all charges.

Processing Fee

1% - 3%

One-time charge at disbursal

Prepayment

Nil after 12 months

2-5% if before 12 months

Late Payment

2% per month

On overdue EMI amount

Bounce Charges

₹500 - ₹1,000

Per failed payment

Stamp Duty

As per state

Varies by loan amount

GST

18% on fees

On processing and other charges

How to Apply for a Travel Loan on Samridhya

Download Samridhya App

Get the app from Google Play or App Store and create your account.

Complete Your Profile

Enter basic details — name, PAN, Aadhaar, income.

Check Eligibility

AI instantly checks and shows personalized offers from multiple lenders.

Compare & Choose

Compare rates, tenure, and fees from partner banks and NBFCs.

Upload Documents

Upload PAN, Aadhaar, bank statements digitally — 100% paperless.

Get Approval

Receive approval within minutes. Most applications auto-approved.

E-Sign & Receive Funds

Sign digitally and get funds in your bank within 24 hours.

Start Planning Your Dream Trip

Travel the world without financial stress. Apply for a travel loan and create memories that last.

Apply Now