A: File Security Money of ₹3,860/- is collected during loan processing as an administrative fee, out of which ₹3,300/- is refundable after successful closure of the loan.
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Personal Loan
Loan
Personal Loan
Our company extends a wide range of personal loan solutions designed to provide financial relief and convenience to individuals facing urgent or planned monetary needs. Whether it is to cover unexpected medical expenses, finance a wedding or social function, fund a vacation, or handle emergencies, our personal loans come with no collateral requirements, making them accessible to a broad spectrum of borrowers. The loan approval process is streamlined, with minimal paperwork and quick turnaround times, ensuring customers receive funds promptly. We conduct a thorough yet hassle-free evaluation of the borrower’s income, credit history, and repayment capability to maintain transparency and fairness. Offering a fixed interest rate and flexible repayment tenures ranging from 1 year to 20 years, our personal loan product is tailored to help individuals effectively manage their financial obligations without stress. Additionally, a refundable file security money is collected to cover administrative expenses, underscoring our commitment to responsible lending.
Features:
- Loan amount tailored as per borrower’s income and repayment ability
- Unsecured loan with no collateral required
- Loan disbursal within 15 working days
- Flexible repayment tenure from 1 year up to 20 years
- Fixed monthly installments (EMI) for easy budgeting
- File Security Money of ₹3,860/- applicable, out of which ₹3,300/- is refundable upon loan closure
Eligibility & Documents Required
- Indian resident between 21 to 60 years of age
- Stable source of income (salaried or self-employed)
- Documents required include Valid ID proof (Aadhar, PAN, Passport, etc.), Address proof (utility bills, ration card, etc.), Income proof (salary slips, bank statements for last 6 months), PAN card, and recent passport-sized photographs
Interest Rate
Fixed interest rate of 6% per annul applicable on the loan amount Interest rates are fixed and non-negotiable.
Loan Tenure
Loan repayment tenure ranges from 1 year to 20 years, depending on loan amount and borrower’s preference.
Processing Responsibility
Any delay or interruption in the loan application or disbursal process arising from the customer’s or agent’s side will be beyond the company’s control and responsibility.
Frequently Asked Questions (FAQs)
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Q1: What is File Security Money?
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Q2: How long does loan disbursal take?A: Loan disbursal generally happens within 15 working days after submission and verification of documents.
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Q3: Can I prepay the loan?A: Yes, prepayment is allowed subject to company policies.