Yes, you can apply for a personal loan by yourself (alone) or with a co-applicant (jointly).
A family member, such as your spouse or parents, must be a co-applicant. Your loan application will be processed in a higher income category if you have a co-borrower, allowing you to obtain a greater loan amount. However, keep in mind that your loan application’s chances of approval may be affected if either you or your co-applicant has a bad credit history.