| PERSONAL LOAN-NO SECURITY, NO GUARANTOR, QUICK PROCESSING |
A personal loan is an-all purpose loan for your own personal use. Personal Loans could be taken for any expenses such as wedding expenses, medical expenses, overseas traveling, holidays, purchase of consumer durables, buying jewelry, down-payment for a home loan, and transfer of credit card outstanding, higher education or sudden business requirement.
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 Loans for Salaried and Self employed individuals.
Special loans for professional such as doctors, chartered accountants, cost accountants, engineers, architects, company secretaries.
Loans available from Rs.20000 to Rs.20 lakh for any purpose depending on your requirement.
Flexible repayment options, ranging from 12 to 60 months.
Hassle-free loans - No security/guarantor/collateral required.
Easy monthly repayment through Equated Monthly Instalments (EMI) with post-dated cheques or direct debit to your bank account.
Transfer of an existing personal loan from one bank to another.
Loans available against repayment track record of any existing auto, personal or home loan.
Loans available against proof of life insurance policy premium receipts.
Easy documentation, quick processing and disbursal
Hassle free personal loan based on 12 months credit card/retail loan track record.
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Applicant can be a salaried / self-employed individual and should be a resident Indian.
Professional self-employed individuals eligible for a personal loan are Doctors, Chartered Accountants, Cost Accountants, Company Secretaries, Architects, Engineers and Management Graduates.
The minimum age of the Applicant should be 21 years for salaried and 25 self-employed individuals.
The maximum age of the Applicant at loan maturity should be 58 years for salaried individuals (60 years for Central Govt. employees) and 65 years for self-employed individuals.
The minimum years in continuous employment / business should be 1 year for salaried individuals and 3 years for self-employed individuals.
The minimum net annual income should be Rs.75,000 p.a. (including co-applicant's or applicant's income) for salaried and Rs.1,50,000 for self-employed individuals.
The minimum stay at current residence should be 1 year for salaried and self-employed individuals.
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Proof of Identity-Passport, Driving License, Voter’s ID, PAN Card (Any one)
Proof of Address-Ration Card, Telephone Bill, Electricity Bill, Passport, Ration Card, Voter’s ID (Any one)
Income Proof (Salaried)-3months Payslip, 6months Bank Statement.
Income Proof (Self Employed)-Latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA, 1year Bank Statement, Proof of continuation (Trade license /Establishment /Sales Tax certificate), Other Mandatory Documents(Sole Prop. Decl. Or Cert. Copy of Partnership Deed, Cert. Copy of MOA, AOA & Board resolution.)
Income Proof (Professional)- 6months Bank Statement, latest ITR along with computation of income, B/S & P&L a/c for the last 2 yrs. certified by a CA, Qualification proof of the highest professional degree.
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