Personal Loan
Personal loans can be unsecured, meaning that the borrower does not need to provide security or collateral.
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About Personal Loan
Essential Features of Personal Loans
No Security/Collateral RequirementsPersonal loans are available without the need for collateral. Your creditworthiness is what determines whether the loan is approved. It depends on your credit score and income.
Flexibility in Use: Personal loans, unlike a home loan or car loan, can be used to pay for a variety of purposes, including travel, renovations, debt consolidation, and medical emergencies.
Flexible Tenure: Personal loans have flexible terms, usually between 12 and 60 months.
Minimal documentation: With minimal documentation, you can apply online for a personal loan. Lenders generally require applicants to show proof of identity, proof that they are located in the right place and proof of income.
Quick DisbursalOnce your application has been approved, personal loan disbursal can occur in as little as 24 hours. If you have a pre-approved loan offer, the turnaround time maybe even shorter.
Flexible Loan Limit: An individual’s credit score, income, repayment history, and profession will determine the amount of a personal loan that is eligible. Personal loans are available from as little as Rs. 15,000 to Rs. 50 Lakh
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FAQ
Frequently asked questions.
Personal loans can be unsecured, meaning that the borrower does not need to provide security or collateral. These loans typically have a tenure of 12 to 60 months. A shorter term will result in higher individual EMI amounts, while a longer-term will lower individual EMIs. A personal loan is not like a car loan or home loan. We can use it to cover any expense such as medical bills, travel expenses, higher education, and weddings.
The interest rates for personal loans vary from one lender to the next. Lenders will also consider factors such as income, credit score and employment.
Personal loans are provided to both salaried and self-employed individuals/professionals. Most banks and non-banking financial companies (NBFCs) with a set eligibility criterion that varies depending on who the applicant is. Here are some key factors to consider when applying for personal loans:
Particulars Salaried Self-employed
Age 21-60 years 21-68 Years
Income Rs. 15,000/m Rs. 5lakh p.a.
Stability in the workplace : (For Salaried Person)Total Experience- Minimum 2 years experience. In the Current Organization: Minimum 1 Year
(For Self - Employed) : Minimum 2 years of experience in the current business
*The personal loans eligibility criteria described above are generic and may vary from lender to lender.
Identity Proof
PAN Card/ Voter’s ID/ Aadhaar Card/ Passport/ Driving License
Address Proof
Bank Account Statement/ Aadhaar Card/ Lease/ Property purchase Agreement/ Utility Bill (not more than 3 months old)/ Passport/ Driving License
Income Proof
For Salaried Individuals: Salary Slips/ Bank Account Statement/ Form 16
For Self-employed: Previous Years’ ITR/ P&L Statement and Balance Sheet/ Bank Account Statement
Business Proof
Certificate of Practice/ Partnership Deed/ GST Registration and Filing Documents/ MOA & AOA/ Shop Act License
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