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Personal Loan

Personal Loan is an unsecured Loan for salaried person/self-employed taxpayer should meet the following eligibility-

  • - Aged of 18 years or more
  • - Have proof of income, like Salary slip for last three month/Income tax returns for self employed
  • - Minimum salary should be above Rs. 15,000/- credited in bank account
  • - For self-employed individual with at least Rs. 3 Lakh annual net income.
  • - Sound banking transaction for last 6 months
  • - No default in loan EMIs or credit card bills

 

Conditions for better Interest rate:

  • - A credit score that is average to excellent – ideally over 650
  • - No history of payment defaults
  • - Working in reputed or well-known organization

 

Process
Apply for Loan
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Document
Four Photograph of Applicant/Co-applicant.
Copy of PAN card & Aadhar card of Applicant/Co-applicant.
Latest Residence proof of Applicant (Latest telephone/electricity bill).
3 months latest salary slip
Form No. 16 (3 years).
ITR for last 3 years. ( applicant & co-applicant)
Saving/ salary A/c statement of Applicant and co-applicant for 1year
Copy of sanction letter of existing loans(if any)