Personal Loan
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Personal Loan
Personal loans provide flexible financial solutions for your individual needs, whether it's for medical expenses, travel, home renovation, or debt consolidation. With competitive interest rates and quick approval processes, our personal loans are designed to meet your immediate financial requirements without the need for collateral. The application process is simple and transparent, with loan amounts ranging from small to substantial based on your eligibility and repayment capacity.
Why Choose Our Personal Loan?
Our personal loans come with numerous benefits including minimal documentation, flexible repayment tenures from 12 to 60 months, and attractive interest rates starting from 10.75% per annum. Whether you need funds for a wedding, education, or any personal expense, we provide customized solutions tailored to your financial situation. Our digital application process ensures quick disbursal, often within 24-48 hours of approval, making us the preferred choice for urgent financial needs.
- No collateral required - Unsecured loan facility
- Loan amounts from ₹50,000 to ₹40 lakhs
- Flexible repayment options up to 5 years
- Competitive interest rates starting at 10.75%
With our completely online application process, you can apply for a personal loan from the comfort of your home. Our dedicated relationship managers guide you through every step, ensuring a hassle-free experience. Special offers are available for existing customers and salaried individuals with stable income. We consider various factors beyond just credit score, making personal loans accessible to a wider range of customers.
Frequently Asked Questions
What are the eligibility criteria for a personal loan?
To be eligible for a personal loan, you should be between 21-60 years old with a minimum monthly income of ₹25,000 for salaried individuals or ₹3 lakh annual income for self-employed applicants. A credit score of 700 or above is preferred, though we consider applications with lower scores on case-by-case basis.
What documents are required for personal loan application?
For salaried individuals: KYC documents, salary slips of last 3 months, bank statements of last 6 months, and employment proof. For self-employed: KYC documents, business proof, IT returns of last 2 years, and bank statements of last 12 months. The complete list will be provided based on your specific profile.
How quickly can I get the loan amount disbursed?
For complete applications with all required documents, approval can be received within 1 working day, with disbursal typically occurring within 24-48 hours after approval. Our digital process ensures fastest possible turnaround time for urgent financial needs.
