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Personal Loan

A Personal Loan is an unsecured credit provided by financial institutions based on criteria like employment history, repayment capacity, income level, profession and credit history. Personal loan assists you in fulfilling your requirements, whether it is upgrading your home, planning your dream wedding, a trip to your favourite destination or even a medical emergency. We have a team of highly qualified and experienced finance advisors who will assist you at every stage of the loan approval process. We strive to deliver the best services to our clients and wish to assist as many people as possible in obtaining quick loan approval at the comfort of their homes. You do not need to give Collateral.

Features of Personal Loan:

Loan Amount You Can Avail Business Loan up to 1 Cr Loan Amount as per your income eligibility.
Interest Rate Fixed Interest Rate. Starts at 10.25% onwards.
Tenure 1 year to 7 years depends on profile.
Processing Fee Up to 1% or detail on Financial profile.
Processing time Only 2 working days Required for Sanction after process your application.
Flexible Prepayment Flexible Prepayment option available in Personal Loan which makes it attractive.
Part payment Part payment available. It depends on your Financial profile and Bank Agreement.
Collateral Not Required For Personal Loan.

Eligibility Criteria For Personal Loan:

Eligibility Criteria  Eligibility Criteria Details 
Age Minimum Age 21 years and Maximum 60 years at the time of Loan Maturity.
Minimum Income 20000 Per Month.
CIBIL Score Minimum CIBIL score of 700 with no any default in Past.
Employment Stability Minimum 1 years Old.
Resident INDIAN & NRI
Who Can Avail Personal Loan Salaried Person and Self Employed Professional

Documents Required for Personal Loan:

Required Documents For Salaried Required Documents Details
Photo Passport size photo
Id proof Pan Card / Aadhar Card / Passport / Voter Id Card / Driving Licence
Address proof Aadhar Card / Passport / Voter Id Card / Driving Licence / Mobile Bill / Telephone Bill / Electricity Bill / Water bill (Any one document required for address proof )
Income documents Latest 3 months Salary slip & Form-16
Bank statement Latest 3 months bank statement
Extra documents Existing loan schedule (For BT only) ownership proof (if owned house)
Leading Banks Personal Loan Interest Rates Details
Bank Name Interest Rates Processing Fees Fore Closure Charges
HDFC BANK 10.35%-16.99% 3548-1.50% NIL Above 10 Lac Amount
ICICI BANK 10.50%-18.00% 7999 -2.00% NIL Above 10 Lac Amount
AXIS BANK 10.25%-20.00% 0.99%-2.00% NIL Above 10 Lac Amount
SHINHAN BANK 10.80%-14.00% 0.5%-1.50% NIL
YES BANK 10.70%-18.00% 1.00%-2.50% Upto 4%
IDFC FIRST BANK 10.99%-20.00% 1.00%-2.50% Upto 5%
STATNDARD CHARTERED 11.00%-15.00% 1.00%-2.00% Upto 5%
TATA CAPITAL 10.49%-17.99% 1.25%-2.50% Upto 4%
INDUSIND BANK 10.49%-16.50% 1.00%-1.00% Upto 4%
BAJAJ FINSERV 11.99%-17.99% 1.50%-2.00% Upto 4%
KOTAK MAHINDRA 10.99%-17.99% 1.25%-2.00% NIL Above 10 Lac Amount
Mentioned Interest Rates, PF and Charges Are Subject to Change and It's Sole Discretion of RBI, Bank and NBFC.

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