Personal Loans starting @10.50%*
Receive financial support for weddings, vacations, or emergencies ranging from 1 to 50 lakh rupees with competitive interest rates and flexible repayment options. Enjoy a 100% digital process for convenience.
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| Type | Document |
|---|---|
| Proof of Identity | Self-attested photocopy of any one of the following:
|
| KYC | Valid identity/Residence/Signature proof |
| Income Proof |
|
| Banking | Latest 4 months’ Salary Credit Bank Statement. |
- Minimum age to apply for personal loan should be 21 years.
- Maximum age at personal loan maturity should be 60 years or retirement age whichever is earlier.
- Minimum net monthly income should be Rs.25000 for personal loan online application.
- Should have completed minimum 2 years in employment and minimum 1 year in the current organisation.
- Should have completed a minimum 1 year of stay at the current residence, if rented.
About Us
Welcome to PersonalLoanChahiye.in, your trusted partner in financial empowerment. At PersonalLoanChahiye.in, we understand that financial needs can arise unexpectedly. Our mission is to simplify and expedite the personal loan application process, ensuring you have access to timely and hassle-free financial solutions.
With a commitment to transparency and customer satisfaction, we connect you with leading financial institutions to secure the best personal loan options tailored to your unique requirements. Our user-friendly platform prioritizes simplicity and efficiency, making it easier for you to navigate through the loan acquisition journey.
At PersonalLoanChahiye.in, we value your financial well-being and strive to empower you with the resources you need to achieve your goals. Trust us for a seamless and secure personal loan experience.
Frequently Asked Questions
Find helpful answers to your questions about Elementor
How to use Personal Loan Effectively (Tips & Advice)
An unsecured loan like a personal loan can affect your CIBIL score negatively. So,even with the Best Personal Loan In India, you need to keep some tips in mind:
- Avoid taking personal loans for business requirements
- Repay personal loans on time to avoid issues with your CIBIL score.
- Apply for a personal loan only when you have no other resources for financing.
- Only apply for the loan amount that you need immediately.
What is a Pre-approved Personal Loan?
Pre-approved personal loans are instant loans disbursed by banks to their select customers. These loans require minimum documentation and no collateral or security.
I have a decent salary package. However, the bank rejected my Personal Loan application. What can I do now?
Approving any loan is the prerogative of the bank. There are various reasons for rejection of the Personal Loans.
- You might be having many loans outstanding. The possible solution is to bring in a co-borrower. Your working spouse can join as a co-borrower. You can also try to reduce your existing liabilities by closing some of your loans.
- You might have an adverse credit score. Check your credit report and go through it in detail. There can be errors in your report. Dispute them if necessary and take the steps needed to rectify your credit report. Remember, you need a minimum credit score of 700 to be eligible for a Personal Loan.
What is the difference between foreclosure and part-prepayment?
- Foreclosure is the situation where the borrower wishes to close the entire principal outstanding before the completion of the tenure of the loan. Part-prepayment is when
the customer does not close the entire loan but attempts to repay a portion of the outstanding amount. - Many banks charge a prepayment penalty ranging from 1% to 5% of the loan outstanding when you try to prepay your loan liability. Some banks have a lock-in period when you cannot foreclose the loan.
What are the minimum and maximum loan amounts offered by banks?
Generally, the minimum loan amount is around 50,000 and the maximum amount can go up to 50 Lakhs depending on your eligibility. The banks like to have a personal discussion with borrowers before approving higher Personal Loan limits.
How does the credit score affect the Personal Loan approvals?
A credit score is a 3-digit number varying between 300-900. It represents a borrower & creditworthiness. A higher credit score signifies a good credit history and responsible repayment behaviour. It also increases the borrower's chances for loan approval as lenders believe that you have the ability to repay your loan.
What is the maximum personal loan you are eligible for?
You can get loans of up to Rs.50 Lakhs. However, the maximum loan quantum depends on the lender and the eligibility factors that the borrower fulfills.
Do I need to provide any security or collateral to obtain a personal loan?
No. Personal loans are unsecured loans. So, you do not have to provide any security or collaterals.
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