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Personal loan ď‚—

A personal loan is AN unsecured loan provided to a salaried or freelance receiver by a bank or NBFC with none security or collateral.It’s additionally referred as signature loans. Lenders provide consumer loan to individuals on the idea of their net monthly financial gain, profile, financial gain stability and credit/CIBIL score. These loans will be availed inside 2-5 working days’ time, by providing financial gain statements and private details to a private loan investor. The loan quantity varies from as low as Rs. 10, 000 to as high as Rs. fifty lakhs for a tenure starting from 1 year to 5 years.


Personal loan interest rates 

Personal Loan Rate of Interest and Other Details

Interest Rate Range :10.50% -28.00% Loan Amount :Rs. 0.50 to Rs. 50.00 Lakhs Processing Fees :1- 3% plus GST Tenure : 1 to 5 years Lowest EMI :Rs. 2162 Foreclosure Charges :2-4% Loan Processing Time :1-5 Days

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Personal Loan Eligibility Criteria Salaried Self Employed Self Employed Professional Minimum Age (years) :23 Maximum Age (years) :60 Net Income :Rs. 17, 000/ Month Working Experience (years) :2 CIBIL Score required :700 Minimum Eligible Loan Amount :Rs. 50,000 Maximum Eligible Loan Amount :45 lakhs


Personal Loan Documents Required 

KYC Documents :Identity Proof- PAN Card/Passport/Voter Id/ Driving license.

Residence proof- Aadhaar card/Passport copy/ Electricity Bill/ Driving license/ Rental agreement (if you are residing in a rented premise)

Application Form: Duly signed personal loan application form with selfattested photographs.

Income Documents Required for Salaried Individuals:

3 month’s salary slips/certificates

2 years’ Form 16 (TDS certificate)/ Income Tax Return

12 Months bank statement of your salary account


Income Documents required for Self- Employed Business Owners & Professional:

Latest 3 years Income Tax returns and computation of income

Latest 3 years balance with Profit and loss account and all the schedules of the balance sheet

12 months bank statements

Company/Business profile

Audited reports of applicable

Other Documents: Details of ongoing obligations and recently closed loans Banks may require few additional documents based on your overall profile. You may be required to submit only self-attested copy of the documents. The original documents may be required only for verification of the copies.


Top Personal Loan Providers in India 

HDFC Bank Personal:

State Bank of India:

ICICI Bank Personal Loan:

Axis Bank Personal Loan:

Yes Bank Personal Loan:

Yes Bank Personal Loan:

Kotak Mahindra bank Personal Loan:

Tata Capital Personal Loan:

Citibank Personal Loan:

Capital First Personal Loan:


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#1 Online Personal Loan - iServefinancial  

Apply online for personal loan with iserve financial.We come with personal loan having plenty of benefits ☑Check Eligibility☑Check Interest...

#1 Online Personal Loan - iServefinancial  

Apply online for personal loan with iserve financial.We come with personal loan having plenty of benefits ☑Check Eligibility☑Check Interest...

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