Personal loan is an amount of money borrowed from a bank or other lender by an individual.

Personal loans are issued only with the following conditions

  • For salaried & self employed individuals.
  • Repayment tenures from 12 - 60 months.
  • No Security, Collateral or Guarantors required.
  • Loans can be used for any purpose with no questions asked regarding the end use of the loan.
  • A balance transfer facility available for those who want to retire any higher debt. All loan repayments are done via equated monthly instalments (EMI).

Eligibility for Personal loan are

  • Age should be 25yrs - 58yrs.
  • Net Annual income should be above Rs.90,000 p.a
  • Should have one year working experience.

Documents to be produced for Pesonal loans are

  • Last 3 months bank statement where salary is credited
  • Proof of Turnover (Service tax returns)
  • Proof of present job (Company's appointment letter)
  • Proof of identity (ration card , PAN or passport)
  • Proof of residence (ration card)
  • Proof of educational qualification ( original degree certificate)

Processing fee of some amount of the loan amount is applicable. Prepayment of the loan is possible after 6 months of availing the loan. Foreclosure charges as applicable would be levied on the outstanding loan. Part pre-payment is not allowed. No other fees or commitment charges are levied. Loans are approved within 3 days after the submission of documents.

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