MAS Finance Personal Loan – Eligibility, Loan Amount & Benefits

MAS Finance Personal Loan image by Bravima Solution Team

When financial needs arise—whether for medical emergencies, higher education, marriage, or home renovation—a personal loan can be the fastest and most reliable solution. Among the trusted names in India’s lending sector, MAS Financial Services Ltd. (MFSL) offers personal loans designed to meet the diverse needs of salaried individuals across multiple states.

At Bravima Solution Pvt Ltd, we simplify the process of securing a personal loan from MAS Finance. With our expertise and partnerships with leading NBFCs, we ensure that you get the right loan at the right time—without the hassle.

Why Choose MAS Finance Personal Loan?

MAS Finance is an RBI-registered NBFC with decades of experience in retail lending. Its personal loan product is crafted for salaried professionals, offering flexibility, transparent terms, and accessibility across both metro and semi-urban regions.

Here’s why MAS Finance personal loans stand out:

Loan amount starting from ₹2 lakh up to ₹10 lakh (based on city tier & eligibility)
Flexible repayment tenure of 12 to 60 months
Competitive interest rates and transparent charges
Available across Tier-1, Tier-2, and Tier-3 cities in approved states
Quick approval process with minimal documentation

Loan Amount & City-wise Eligibility

MAS Finance sets different loan limits based on the borrower’s location:

Tier-1 Cities (e.g., Ahmedabad, Bangalore, Pune, Chennai, Indore, Vadodara, etc.): Up to ₹10,00,000
Tier-2 Cities: Up to ₹5,00,000
Tier-3 Towns: Up to ₹3,00,000 (can go above ₹3 lakh if salary > ₹40,000)

💡 Pro Tip from Bravima Solution: Even if you live in a Tier-3 city, maintaining a higher salary and strong credit profile can increase your loan eligibility.

Apply for Personal Loans online with minimal documentation

Apply Now

Eligibility Criteria for MAS Finance Personal Loan

To qualify for a MAS Finance personal loan, you need to meet the following criteria:

Age Limit: 21 years (min) to 58 years or retirement age (max, at end of loan tenure)
Income Requirement:
- Tier-1 Cities: Minimum ₹22,000 net monthly income
- Tier-2 & Tier-3 Cities: Minimum ₹18,000 net monthly income
Job Stability:
- Private Sector: Minimum 2 years of work experience, 6–12 months with the current employer
- Government Employees: No guarantor required
Company Stability: Employer should have at least 4–5 years of operational history
CIBIL Score: 700+ preferred; for new-to-credit (NTC) borrowers, loans capped at ₹2 lakh
Co-applicant / Guarantor: May be required for private sector employees or NTC profiles

Loan Tenure & Repayment

Tenure Options: 12 to 60 months
For loans below ₹1 lakh → maximum tenure of 36 months
Repayments are made through E-NACH / bank auto-debit

Bravima Solution ensures that your EMI plan is structured as per your monthly budget so that repayments remain stress-free.

FOIR (Fixed Obligation to Income Ratio) Guidelines

MAS Finance uses FOIR (a ratio of monthly obligations vs. monthly income) to assess repayment capacity.

Income Range (₹)	FOIR Limit
Up to 20,000	30%
20,001 – 30,000	35%
30,001 – 40,000	40%
40,001 – 50,000	45%
50,001 – 60,000	50%
60,001 – 75,000	55%
Above 75,001	60%

👉 Example: If your monthly income is ₹40,000, your obligations (including the new loan EMI) should not exceed ₹18,000.

Apply for Personal Loan with Quick Disbursal

Apply Now

Documents Required

Applying for a MAS Finance personal loan is simple, with only basic documentation needed:

KYC Documents: Aadhaar, PAN, Voter ID, Passport, or Driving License
Income Proof: Latest 3 months’ salary slips
Bank Statement: Last 6–12 months (depending on employer type)
Residence Proof: Utility bill, property tax receipt, or rent agreement
Employment Proof: Offer letter / HR confirmation / promotion letter

💡 Tip: Keep your salary credited via bank transfer (not cash/UPI) for smooth approval.

Interest Rates & Charges

MAS Finance offers competitive interest rates based on profile, credit score, and employer type. While exact rates may vary, here’s what to expect:

Interest Rate: Competitive NBFC rates (contact Bravima Solution for current offers)
Processing Fee: Applicable as per policy
Prepayment: Allowed after a minimum lock-in (conditions apply)

Benefits of Applying Through Bravima Solution

While MAS Finance offers attractive loans, applying through Bravima Solution Pvt Ltd gives you added advantages:

One-stop Loan Assistance – We compare multiple NBFCs and banks to get you the best deal.
Faster Approvals – Direct tie-ups with MAS Finance ensure speedier processing.
Personalized Guidance – We help you understand eligibility, improve CIBIL score, and plan EMIs.
Doorstep Service – Assistance with documentation and application filing.
Local Expertise – Specialized services in Delhi, Mumbai, Hyderabad, Ahmedabad, and more.

How to Apply for MAS Finance Personal Loan via Bravima Solution

Applying for your loan is quick and simple:

Contact Bravima Solution via our website or helpline.
Provide Basic Details (income, CIBIL score, job type, loan requirement).
Document Collection & Verification by our team.
Loan Application Submission to MAS Finance.
Quick Approval & Disbursal – Funds transferred directly to your account.

Who Should Choose MAS Finance Personal Loan?

This loan is ideal if you are:

A salaried employee in metro, urban, or semi-urban India.
Someone with a monthly salary of ₹18,000 or above.
Looking for a loan between ₹2 lakh to ₹10 lakh.
Having a CIBIL score of 700+ or a stable repayment history.
Seeking a quick loan with flexible EMIs.

Final Thoughts

A MAS Finance Personal Loan is a reliable option for salaried individuals who need quick access to funds with minimal hassle. With city-based loan limits, flexible tenure, and transparent policies, MAS Finance caters to borrowers across metros, towns, and semi-urban India.

At Bravima Solution Pvt Ltd, we bridge the gap between you and MAS Finance—ensuring you get the best loan offer, faster approvals, and professional guidance. Whether you need funds for personal, medical, or lifestyle purposes, we are here to make your borrowing journey smooth and stress-free.

👉 Ready to apply? Contact Bravima Solution today and get your MAS Finance Personal Loan approved quickly!

Quick & Easy Personal Loans

Apply Now

FAQs (for Blog)

Q1. What is the maximum loan amount offered by MAS Finance for personal loans?
MAS Finance offers up to ₹10 lakh in Tier-1 cities, ₹5 lakh in Tier-2 cities, and ₹3 lakh in Tier-3 towns. Loan limits may increase based on salary and profile.

Q2. What is the minimum salary required for a MAS Finance personal loan?
For Tier-1 cities, you need a minimum salary of ₹22,000 per month, while for Tier-2 and Tier-3 cities, the requirement is ₹18,000 per month.

Q3. What is the tenure available under MAS Finance personal loans?
The repayment tenure ranges from 12 months to 60 months. For loans below ₹1 lakh, the maximum tenure is capped at 36 months.

Q4. Is CIBIL score important for MAS Finance personal loan?
Yes. A CIBIL score of 700+ is preferred. For new-to-credit customers, the maximum loan amount is capped at ₹2 lakh.Q5. How can Bravima Solution help me get a MAS Finance personal loan?
Bravima Solution partners with MAS Finance to provide faster approvals, doorstep documentation, personalized loan offers, and expert guidance—ensuring a hassle-free loan journey.