Personal Loans

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Overview

Overview

A personal loan is a financial product which is normally attained for a short to medium period of time. It is anunsecured facility which is extended through various Banks & Lenders to salaried and self-employed individuals.

Why Choose a Personal Loan?

With the various loan products that are available, why would any borrower opt for a personal loan? Well for starters the disbursal of a personal loan has a turnaround time as quick as two days.

What makes this product even more attractive is the fact that you do not need to provide the lender with any collateral, such as your house or your vehicle, in order to receive the loan.

Another great benefit of the personal loan is that it is meant for personal use, unlike traditional loans that require you to use the loan for a specific purpose. This means the lender will not regulate how you choose to use your funds.

How much can I borrow and for how long?

You can attain a Personal loan as low as Rs. 25,000 and ranging up to Rs. 50 Lacs for a period of 6 months to 5 years.

How is Personal Loan eligibility calculated?

Lenders simply base your eligibility on a number of unique factors which help them understand whether or not the borrower would be able to pay back the loan obligation. Some of these factors are:

» Age
» Net Income
» CIBIL Score
» Repayment Record
» Liabilities
» Job/Profession
» Residence Status

DOCUMENTS REQUIRED

DOCUMENTS REQUIRED

Self Employed Businessman

  • Last 2 years’ certified financial statements
  • Residence proof
  • Proof of age and identity
  • Business Existence Proof
  • Last 6 months’ bank statements
  • Copy of partnership deed (if any)
  • Passport Size Photograph

Salaried Customer

  • Residence proof
  • Proof of age and identity
  • Last 6 months’ bank statements
  • Last 3 months’ salary Slips
  • Last 2 years’ Form 16
  • Passport size photograph

Professionals Customer

  • Last 2 years’ certified financial statements
  • Residence proof
  • Proof of age and identity
  • Business Existence Proof
  • Last 6 months’ bank statements
  • Copy of partnership deed (if any)
  • Passport Size Photograph
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