If you need big amount of cash, Now you can get a Personal Loan
If you need a Personal Loan, you must have a good credit history and adequate salary to get your personal loan sanctioned with a Bank or an NBFC.
Other factors like years of employment, company you work for etc will determine the most important factors like amount, tenure and rate of interest.
Some of the banks give you the flexibility to pre-close the loan without any additional charges. Most banks have a pre-closure charge in the 4%-5% range.
Personal loan is an options, in case you are in a spot and need some urgent cash. However, personal loans are tricky and you need to know as much as possible about their basics before applying for one. Personal loan is credit that is granted to the borrower for personal use. These loans are usually unsecured (no security or collateral required/asked) and is based solely on the borrower’s integrity and ability to pay.
Q. What kinds of interest rates are offered on personal loans ?
A. Fixed rate, Floating rate, Flat rate
Q. What are the time line to process a loan application ?
A. It takes 7 working days once documentations are completed
Q. Who is eligible for a personal loan ?
A. Salaried individuals, Self employed individuals, Self employed professionals
If you have following document is available which help to clear your loan easy and quickly.
|Proof of Identity:- Passport / Driving License / Voters ID / PAN Card (any one)||KYC Documents : Proof of Identity; Address proof; DOB proof|
|Proof of Residence:- Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one).||Proof of Residence:- Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport (any one)|
|Latest 3 months Bank Statement (where salary/income is credited)||Income proof (audited financials for the last two years)|
|Salary slips for last 3 months||Latest 6 months Bank statement|
|2 Passport Size photographs||Office address proof|
|Proof of residence or office ownership|
|Proof of continuity of business|
Current interest rate is 11.59 %, Please enter the current interest rate.
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