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Personal Loans

Banks offer personal loans to salaried and self-employed individuals to meet their personal needs by considering their regular income or salary and provide without any collateral security. The loan is funded purely on the basis of income that one get from their employer or from their own business. Banks charge interest rate to customer by considering their company profile too. People working with large corporates and MNC’s usually charged less with option Nill pre closing charges.

Eligibility

  • Applicant age must be min 21 Years
  • Must have 2 years of work experience
  • Applicant must have a minimum salary of 20,000 / Month
  • Applicant must have clear CIBIL records
  • Applicant must be working with any company or self employed
Current Offers:

 
-Processing fee 1% for CAT A Companies
  -Paybacks upto a maximum of 1% to CAT B & CAT C Companies
  -Attractive interest rates for doctors @ 14%

Personal Loan Interest Rates

Bank Salary Cat A CAT B CAT C Self Employed Processing Fee Tenure Preclosure Charge
ICICI Upto 25000 17% 17.50% 18% 16 - 18% Cat A - 1%
Cat B & C - 2%
Min 1 Years
Max 4 Years
2%
35000 to 50000 17% 17% 17%
50000 to 75000 16% 16.50% 16.50%
Above 75000 15.50% 16% 16% Self-Employed 2%
AXIS Upto 25000 17.50% 17.50% 18% 16 - 18% Salaried 2% Min 1 Years
Max 5 Years
Nill
35000 to 50000 16% 16.50% 17%
50000 to 75000 15.50% 16% 16.50%
Above 75000 15% 15.50% 16% Self-employed 2%
HDFC Upto 25000 17% 17.50% 18% 16 - 17.50% Cat A - 1%
Cat B & C - 2%
Min 1 Year
Max 4 Years
Min 2% - 4 %
35000 to 50000 16.50% 17% 17.50%
50000 to 75000 15.50 16% 16.50%
Above 75000 14.50% 15% 16% Self-employed 2%
CITI Upto 25000 16.50% 16.50% 17.50% 16 - 18% Cat A - 1%
Cat B & C - 2%
Min 1 Year
Max 4 Years
2% - 4%
35000 to 50000 16% 16.50% 17.50%
50000 to 75000 15% 16% 17%
Above 75000 15% 16% 17% Self-employed 2%
SBI Upto 25000 18% 18% 18% Self Employed 18% Nill Min 1 Year
Max 4 Years
Nill
35000 to 50000 17.50%
50000 to 75000 17.50% 17% SBI Salary Credit
Customers 15.50%
Above 75000 18%
BAJAJ
FINSERV
Upto 25000 16% 16.50% 16.50% 17% 2% Min 1 Year
Max 4 Years
Nill
35000 to 50000
50000 to 75000 15% 15.50%
Above 75000
ING Vysya Upto 25000 15.50% 16.50% 17.50% 17.50% 1% - 2% Min 1 Year
Max 4 Years
Nill
35000 to 50000 15% 16% 17.25%
50000 to 75000 14.50% 15.50% 17%
Above 75000 14% 15%
- The Interest rates stated above may vary and request you to apply to us to get exact rate of interest depending on your income and the company that you work in.
- Companies category may vary from bank to bank
- Processing fee and fore closure offers change from time to time

Personal Loan Required Documents

Salaried SelfEmployed
-ID Proof(PAN Card/Passport/Aadhar/Voter ID/Driving License)
-Address Proof(Aadhar/Passport/Driving License/Lease Agreement)
-3 Months payslips
-6 Months banks statement
-Form 16 - 2 Years
-One colour passport size photograph
-ID Proof(PAN Card/Passport/Aadhar/Voter ID/Driving License)
-Address Proof(Aadhar/Passport/Driving License/Lease Agreement)
-3 years IT returns
-6 Months banks statement
-One colour passport size photograph
-Company registration certificate

Terms and Conditions

-Banks consider regular income that was declared in Payslips and Income Tax returns
-Rate of interest is subject to monthly net income and company working in
-Banks fund loan to a maximum of 12 to 18 times of net salary recieved monthly
-Processing fee is deducted from the loan amount before disbursement
-Banks may ask for guarantors if needed depending on customer profile
 
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