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Personal Loan

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Personal Loan

A Personal Loan is a loan sanctioned by a lender, without any security (collateral). So, it is an unsecured loan. Personal Loans are sanctioned by banks and Non-Banking Financial Companies (NBFCs). You don’t need to state any reasons, while availing personal loans.
Personal Loan is the best loan to fund financial emergencies. It is a great way to address a financial crisis, as it allows the borrower to avail a loan without any conditions. Personal loans are sanctioned rather quickly. They may be approved as quickly as 24 – 48 hours, after the borrower submits the loan application.
Personal Loans are availed on the basis of specific criteria, such as level of income, employment history, credit score, and scope for repayment.

Why avail Personal Loans?

No Reason Loan:

Personal Loans can be used for anything you wish.

Emergency Loan:

Personal Loan is a loan for an emergency.It can be used for a medical emergency or to fund the marriage of your child.

No Collateral:

Banks do not ask for any collateral while sanctioning the loan. There is no need for a Guarantor.

Quick Sanctioning:

Personal Loan is sanctioned really fast. It may be as less as 24 hours. Minimal documentation means less processing time.

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Thinking of Availing a personal loan

Documents Required To Availing a Personal Loan

1. For Salaried:

  • Passport
  • Driving License
  • Voters ID
  • PAN Card
  • Passport or utility bills
  • Last 3 months Bank Statement

2. For Self-Employed:

  • Passport
  • Driving License
  • Voters ID
  • PAN Card
  • Passport or utility bills
  • Last 2 years audited financial statements
  • Last 6 months Bank statement
  • Office address proof

Eligibility criteria to avail a Personal Loan

  • A minimum salary of Rs 15,000 to Rs 25,000 a month.
  • You must be between 22-59 years.
  • The borrower must have a bank account.
  • A Minimum CIBIL score of 700 is a must.
  • The borrower must be residing at his/her current residence for at least a year or two.

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