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Looking for a Personal Loan in Delhi? We offer reliable, quick and affordable Personal Loan options designed to meet the unique needs of individuals across the bustling Delhi NCR region. Whether you need funds for medical emergencies, travel, education, or home improvements, our Personal Loans are tailored to support your goals efficiently.
When you need funds urgently, delays can be stressful. We provide quick disbursement of Personal Loans in Delhi, ensuring you receive the money quickly.
With a simple application process, minimal paperwork, and digital approval systems, you can have access to your loan amount faster than ever.
Our streamlined processing ensures that your financial needs are met promptly, making it ideal for planned expenses and emergencies.
Managing your budget effectively is crucial when taking a loan. Use our EMI Calculator to calculate your monthly instalment before applying for a Personal Loan in Delhi NCR. Input the loan amount, interest rate, and repayment tenure to estimate your EMI accurately.
This tool helps you plan your finances better and ensures that your loan repayments fit seamlessly into your monthly budget
Here’s why our Personal Loans in Delhi are the perfect solution for your financial needs:
1. Loan Amount Range:
Borrow amounts up to ₹ 30 Lakh, depending on your requirements.
2. Competitive Interest Rates:
Enjoy low interest rates that make repayment affordable.
3. Flexible Repayment Tenures:
Choose a tenure that works for you, ranging up to 72 months.
4. Minimal Documentation:
Apply with minimal paperwork for a hassle-free experience.
5. Quick Disbursal:
Receive funds quickly to address your urgent needs.
With these features, our loans are designed to offer flexibility, convenience, and financial freedom.
| Type | Criteria |
|---|---|
| Residency | Indian resident |
| Age requirement | 21 years to 58 years |
| Profession | Salaried or self-employed individuals |
| Document Type | Required Document & Checks |
|---|---|
| Identity Proof | PAN and any one of the following- Aadhaar Card | Driving License | Passport | Voter ID | Job card by NREGA | Letter issued by the National Population Register containing details of name and address |
| Address Proof | Utility bills (not older than 2 months) | Aadhaar Card | Driving License | Passport | Voter ID etc |
| Income Proof | Income proofs vary for different professionals across salaried, non-salaried and self-employed. |
Please find the easy detailed list of required documents here
| Type | Document |
|---|---|
| Salaried | Last 3 month's salary slips / Form 16 / Last 3 month's bank statement reflecting salary credits / Salary Certificate |
| Self Employed | Latest Income Tax Return (ITR) |
| Bank Statement | Last 3 month's statement is mandatory |
| Residence Ownership Proof | Not mandatory |
| Type | Interest Rate and Charges |
|---|---|
| Loan Processing Fees (non-refundable): | Upto 3%* of Loan Amount + applicable taxes |
| EMI Dishonour/ Bounce Charges: | As shown in the table below |
| Sanctioned Loan Amount | Charges |
| < ₹ 5 Lakh | ₹ 500 |
| ₹ 5 Lakh - ₹ 30 Lakh | ₹ 1000 |
| Late Payment Charges (LPC)/ Penal Charges: | 2% (p.m.) on EMI overdue + applicable taxes |
| *LPC revised from 3% to 2% per month on overdue EMI w.e.f. 4th Dec'23 | |
| *Taxes applicable on LPC w.e.f. 1st Apr'24 | |
| Part Payment Charges: | Up to 5% of pre-paid amount + applicable taxes |
| Foreclosure Charges: | 5% of POS (Principal Outstanding) + applicable taxes |
| Legal/ Recovery Charges: | As per actuals |
| Duplicate NOC Charges: | First 3 paper copies - free of cost |
| From 4th Paper copy - ₹250 + applicable taxes | |
| Repayment Swap charges (per swap): | ₹500 + applicable taxes (applicable only for branch walk-ins) |
| Loan Cancellation Charge: | Nil - for 3 days from date of disbursal |
| From 4th day - 5%+ applicable taxes (on the outstanding loan amount) | |
| Document Charges: | Nil for Statement of Account (SOA), Repayment Schedule, Foreclosure Letter, Welcome Kit |
| Annual Maintainance Charges (AMC): | Nil |
*Terms & Conditions Apply. All actual charges will be as per Key Fact Statement (KFS) shared by the company.
Apply for Personal Loan with these steps
1. Apply online in just few minutes
Select Personal Loan and click the 'Apply Now' button to start your seamless digital loan journey
2. Fill in your details
Enter your personal details, such as income details, current address, and more, to instantly check your loan eligibility
3. Get your customised offer
Explore personalised loan offers to match your needs. You may also get an options to enhance your offer
4. Set up E-mandate
Securely provide your bank details to easily register for an E-mandate, ensuring smooth loan repayments
5. Complete KYC
Verify your identity easily and securely with a quick KYC process from the comfort of your home
6. Get loan disbursement
Get your loan disbursement directly in your bank account, ensuring fast and seamless access to funds
1. Maintain a good credit score.
2. Ensure all documents are accurate and complete
3. Choose a loan amount that aligns with your repayment capacity
A Personal Loan offers financial flexibility for a variety of purposes:
1. Medical Expenses:
Cover unexpected healthcare costs or treatments.
2. Home Renovation:
Upgrade or repair your home without financial stress.
3. Education Fees:
Fund your or your child’s education conveniently.
4. Debt Consolidation:
Simplify repayments by combining multiple debts into one loan.
5. Travel:
Plan and enjoy your dream vacation.
6. Wedding Expenses:
Manage wedding costs effortlessly.
These diverse uses make instant Personal Loans in Delhi NCR a reliable solution for both planned and unplanned financial needs
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