Get closer to your goals with
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Personal loans

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personal loan

Overview

  • Offer for New customers
  • 3 Unique Variants
  • Loan of Upto Rs. 40 Lakhs
  • Tenure of Upto 40 Months
  • No Gaurantor Collateral
  • No Hidden charge

Features ( Benefits ) of Personal loans

Personal loan is another unsecured loan which does not have any guarantee. It is a loan with flexible and easy monthly installments and no limit on its usage.
Personal loan can be useful for us in many ways..

  • We can use it to save money on interest payments and take multiple loans at once.
  • You can also use a personal loan to build a new home or renovate an old home. This increases the value of your home and improves your living conditions.
  • If you have any kind of emergency or medical health problem, you can use personal loan.
  • You can use a personal loan to meet expenses such as medical emergencies, tax repairs, etc. to avoid any immediate emergency or financial difficulty.

Personal loan Eligibility Criteria

To qualify for a personal loan, you must fulfil certain criteria. Below are some of the important factors that lenders take into consideration to decide your eligibility for a personal loan.

  • Age should be between 21 years and 58 years.
  • Net monthly income for salaried and self-employed should be Rs 12,000/-, annual transaction should be minimum Rs 20 lakhs.
  • Credit score should be above 650.
  • Debt-to-income ratio.
  • Employment stability.
  • Good credit score.
  • Clean loan repayment history.
  • Must be a resident citizen of India.

Documents Required to Apply for Personal Loan

  • Identity Proof  :  PAN Card, Aadhaar Card, Passport, Voter ID Card, Driving License
  •  Address Proof : Passport, Voter ID Card, Driving License, PAN Card, Aadhaar Card, Electricity Bill, Telephone Bill, Ration Card.
  • Age Proof : Passport, Voter ID Card, Driving License, PAN Card, Aadhaar Card.
  • Income Proof : 1 year bank statement, 3 months salary slip.
  • Employment Proof : Employment Certificate, Office Address Proof.
  • Selfemployee Proof : GST or VAT registration for self-employed
  • Photo : Passport size photos.
  • Business Proof : Business registration documents such as partnership deed, memorandum of association (MOA), articles of association (AOA) etc.
  • Income Tax Returns : Documents of last 2-3 years to verify income and tax payment history.
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