Personal loan: Apply Online Personal loan at the lowest Interest rate in India
What is Personal Loan.?
A personal loan is an unsecured loan taken by individuals from a bank or a financial company (NBFC) to meet their personal needs. It is provided on the basis of key criteria such as income level, credit and employment history, repayment capacity, etc.
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A personal loan is not secured against any asset. As it is unsecured and the borrower does not put up collateral like gold or property to avail it, the lender, in case of a default, cannot auction anything you own. The interest rates on personal loans are higher than those on home, car or gold loans because of the greater perceived risk when sanctioning them.
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Maximum loan duration.
The maximum duration of a personal loan can be 12 to 60 months or 1 to 5 years. Shorter or longer tenures may be allowed on a case-by-case basis, but it is rare.
Use of personal loan.
A personal loan can be used for any personal financial need and the bank will not monitor its use. It can be utilized for marriage-related expenses, a family vacation, your child’s education, purchasing the latest electronic gadgets or home appliances, meeting unexpected medical expenses, or any other emergencies.
Eligibility criteria for Personal loan.
The general criteria include your age, occupation, income, capacity to repay the loan, and place of residence. avail of a personal loan, you must have a whether you are a salaried individual, self-employed business person, or a professional. An individual’s eligibility is also affected by the company he is employed with, his credit history, etc.
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Apply Online For Loan
- HDFC Bank™ Personal Loan
- ICICI Bank Personal Loan
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Online Apply for Personal Loan – Bank of Baroda
Personal loan approval.
The approval of a personal loan is at the sole discretion of the loan sanctioning officer whose decision is based on the criteria defined by the bank. The entire process can take between 48 hours to two weeks.
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Once all the necessary documents are submitted and the verification process is completed, the loan, if sanctioned, is disbursed within seven working days by the bank. Do keep all necessary documents ready along with PDC and/or signed ECS form to avoid delays in loan processing and disbursement.
Documents required for applying for a personal loan.
*Income proof (salary slip for salaried/recent acknowledged ITR for self-employed)
*Address proof documents
*Identity proof documents
*Certified copies of degree/license (in case of self-employed individuals) *Income proof (salary slip for salaried/recent acknowledged ITR for self-employed)
*Address proof documents
*Identity proof documents
*Certified copies of degree/license (in case of self-employed individuals)
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