Personal loans are usually unsecured loans provided by almost all private and multinational banks in India with a fixed tenure ranging from one year to five years. Personal loans are normally used for personal use like marriages, vacations and holidays, home renovation, higher education, buying home appliance products, buying jewelry, buying plots or property etc. This loan can be used for any purpose and the customer does not need to provide any kind of guarantor or collateral to the bank. This is a short term loan and the EMI remain fixed for the whole tenure. This loan available to both salaried and self employed persons. The rate of interest, processing fees and charges and repayment tenure all depends and vary from bank to banks like HDFC, ICICI, KOTAK, AXIS, STANDARD CHARTERED, CITI, FULLERTON INDIA,INDUSIND, BAJAJ etc.
➤ Normally unsecured loan and short term Loans from 1 year to 5 years.
➤ Minimum Documentation and quick process ranging from 2 -4 days with complete documents.
➤ Loan amount ranging from 1 lacs to 50 lacs depending on income and repayment capability.
➤ No guarantor or collateral required.
➤ Pan Copy, Adhaar Card, Present Residence Proof and permanent address proof.
➤ Income proof like salary slips and continuity proof like form 16 copy.
➤ Bank statements showing salary credit and other account statement if any emi being debited from any other account.
➤ All current obligation proof like loan schedule, sanction letter or repayment statement.
➤ Pan copy, Adhaar Card & Present Residence Proof.
➤ Income documents like last 3 years ITR, Computation copy, Balance sheet, P/L copy with all annexures and Audit report.
➤ Business continuity proof must be at least 3 years and documents like sales tax registration copy or service tax registration or or GST registration copy required.
➤ All bank statements for last 6 months required.
➤ All current obligation proof like loan schedule, sanction letter or repayment statement.
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