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Personal Loan

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Personal Loan

Personal loan is capable of fulfilling all your emergency and unplanned financial needs. Apply for a personal loan and get quick access to funds to finance your expenses with ease. It is an unsecured loan, which means you don’t need to pledge a collateral to obtain the loan. It is provided on the basis of key criteria such as income level, credit and employment history, repayment capacity, etc. The interest rates on personal loans are higher than those on home, car or gold loans because of the greater risk.
To avail a personal loan, you will need to submit the following documents:
  • Passport-size photographs.
  • KYC Documents – PAN, Aadhaar, Driving license, Voter’s ID, Passport
  • Bank account statements for minimum six months
  • Last 6 months salary slip or latest Form 16 (in case of Income Tax Payee)
To avail a personal loan, you only need to meet the following eligibility criteria:
  • Indian,residing in India.
  • age must be between 21 and 55 years.
  • employed with any public limited company, private limited company, government undertaking, partnership firm, LLP, Proprietorship firm.
EMI (Equated Monthly Installments) is the amount payable to the lending institution every month, till the loan is completely paid off. It comprises of the interest as well as the principal amount.
Yes, you can apply a for personal loan if you already have a home loan/auto loan/any other loan obligation, however, it will also depend on your repayment capacity, track record of home loan/auto loan/ any other loan, CIBIL score etc.
In case you are not given salary slips by your employer in that case only you can get a personal loan, however, you have to submit documents of employment proof with the financial institution e.g. salary certificate from employer, latest form 16, bank statement reflecting credit of salary in your account.
Since this is an unsecured loan, therefore, no security is required.
yes, you can prepay the loan, however, any prepayment of loan in full or in part before the end of term will attract the prepayment charges which varies from financial institution to financial institution.
You have to apply with us only if you require a minimum loan amount of Rs. 2,00,000/-
It varies from financial institution to financial institution. However, the ideal CIBIL score to get instant loan approval is 700 and above.