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If you need a Personal Loan in Madurai immediately, L&T Finance offers up to ₹ 30 Lakh* with rates starting at 11% p.a.* and repayment tenure of up to 72 months. Apply through a fully digitised journey and secure approval witOur instant Personal Loan in Madurai is ideal for covering medical emergencies, travelhin minutes*. , home repairs, or debt consolidation.
Our streamlined Personal Loan disbursement process ensures funds are transferred into your account quickly after approval. With digital application, minimal paperwork and e-mandate setup, we aim to eliminate any delays. From applying online to receiving money, every step is paper-free and quick. This swift service makes us a reliable loan agency in Madurai.
| Competitive Interest Rates | Our Personal Loan interest rates in Madurai have affordable interest rates |
| High Loan Amount | Get a high loan amount of up to ₹ 30 Lakh* |
| Flexible Tenure | Choose repayment tenure of up to 72 months |
| Digitised Process | Apply online with support from a dedicated relationship manager |
| Minimal Documentation | Quick application process with minimal paperwork |
A Personal Loan offers financial flexibility for residents of Madurai:
Our EMI calculator for Personal Loan helps you plan your monthly outgo. Enter your desired loan amount, interest rate, and tenure to instantly view your estimated monthly EMIs. Compare different scenarios and select the most affordable tenure before you apply.
| 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 | Passport | PAN Card | Driver License | Voter ID | Aadhaar Card |
| Address Proof | Utility bill of any service provider not more than 2 months old (Electricity, Telephone, Post-paid Mobile Phone, Piped Gas, Water Bill) | Passport | Voter ID Card | Driving License |
| Income Proof | Income proofs vary for different professionals across 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 |
The interest rate offered will depend on your profile, and all charges will be outlined in the Key Fact Statement (KFS).
| Type | Interest Rate and Charges |
|---|---|
| Loan Processing Fees (non-refundable): | Upto 4%* of Loan Amount + applicable taxes |
| EMI Dishonour/Bounce Charge* *A bounce charge is a charge for (i) dishonour of any repayment instrument; or (ii) non-payment of instalment(s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate | 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. We are a regulated NBFC, and all our products adhere strictly to RBI guidelines.
Apply for Personal Loan with these easy 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
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