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  • Rs.30 Lakh For Up To 5 Years.
  • Interest Rates Starting At 10.25% Per Annum
  • Processing Fee Of 0% To 4% Of The Loan Amount + GST .
  • Disclosure : Our Services Are Free . We Do Not Support Intra Day Or Short Terms Loans .

In general, Personal Loan is an unsecured loan which is taken by an individual from bank or a non-banking financial organization to fulfil their personal financial needs. An individual can take loan on the basis of key criteria such as employment record , income and their repayment capacity etc.

Please Read Personal Loan Disclosure Written In The Page Below..

Personal Loan Disclosure

A Personal loan is unsecured loan that can be taken for various reason like travelling, education, emergencies etc.

  • • APR(Annual Percentage Rate): vary from 10% to 35% based on customer profile and credit score.
  • • Repayment Period: 12 Months to 60 Months
  • • Processing Fee: For Personal loan it vary from 1 to 4% of the loan amount plus GST. example for personal loan upto 2 lakhs the processing fee with 1% interest will be Rs 2000 to Rs 4000 + GST depending upon the lenders policy
  • • Pre-Payment Charges: prepayment option may apply or not it is depend upon lenders . if applicable then it will be 0-4% + GST

  • Representative Example:For the loan of Rs. 5 lakh at the rate of 10% with repayment tenure of 5 years, your EMI will be Rs 10624/-. The total payable amount at the end of 5 years will be Rs 637411. Therefore, your total payable interest amount will be of Rs 137411.

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Eligibility Criteria

  • Age : for salaried person : 21 years to 60 years & for Self-Employed : 22 years to 55 years
  • Net Monthly Income :for salaried person- Rs.12,000 & for Self-Employed : Rs.30,000
  • Minimum Loan Amount :for salaried person-Rs.100000 & for Self-Employed : Rs.100000
  • Maximum Loan Amount :for salaried person Rs.20 lakh & for Self-Employed :Rs.15 lakh

Documentes needs

  • Proof of Identity for Salaried Individuals Passport, Voter’s ID, Driving License or PAN Card and for Self Employed Passport, Voter’s ID, Driving License or PAN Card
  • Proof of Residence for Salaried Individuals Passport or utility bills and for Self Employed Passport or utility bills
  • Proof of Income for Salaried Individuals Bank statement of salary account for the past two years for Self Employed Audited financial statement of the past two years

Personal Loan Details & FAQ

Personal Loans of up to Rs.20 lakh interest rates starting at 10% p.a. with tenures of up to 5 years. The processing fee will be in between 0% and 3% of the loan amount.

  • Description
    Charges
  • Interest Rates
    10.25% P.A Onwards
  • Loan Amount
    upto 25 Lakh
  • Loan Tenure
    upto 6 years
  • Processing fess
    0% - 4% of the loan amount + GST

Fees & Charges

  • • Processing fee
  • • Goods and Services Tax or GST
  • • Verification And Other Charges .

Prepayment

As we know that a personal loan is given for a time period and this period is know as loan repayment period .Once you have taken a loan then you are suppose to pay the debit off by the end of loan repayment period through EMIs. however after taking a loan you have decide to pay off your debt before the end of loan repayment period . then it is called pre-payment

Repayment

There are various mode of repayment are available .like ECS, PDC,


Personal loan Disbursal

Disbursal is basically the process of the financial institutions to transfer the loan amount in the bank account of the customer.

How To Apply Personal Loan

If you want to apply for personal loan you have to go through following steps . The application process is very clear and simple .

  • Apply online by filling the form using your details like employment history, financial details, email etc.
  • Choose the loan amount and repayment tenor.
  • Once details submitted will check and verify your details.
  • Our executive will get in touch of you.
  • Disbursal of your loan within 24 hours of approval.

Representative Example: For the loan of Rs. 10 lakh at the rate of 10.25% with repayment tenure of 5 years, your EMI will be Rs 21,370/-. The total payable amount at the end of 5 years will be Rs 2,82,216. Therefore, your total payable interest amount will be of Rs 12,82,216.

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