Apply Personal Loan Online Upto Rs. 25 Lacs
Details on Personal Loan
Personal Loan in Kharagpur
Overview of Personal Loan in Kharagpur
Personal Loan in Kharagpur is an unsecured Personal Loan. You don’t need to mortgage any of your property to avail this loan. You can use your Personal Loan in Kharagpur to do so many things from medical expenses, wedding, holiday, education etc. You also can avail Personal Loan in Kharagpur online with minimal documents. If you have low CIBIL Score Your Personal Loan in Kharagpur will come with a high interest rate so try to maintain a high CIBIL Score. Personal Loan in Kharagpur without CIBIL Check is impossible but if you have maintained a good CIBIL Score over the time maybe it will be easier for you. Personal Loan for salaried in Kharagpur is easier to avail you just can apply for Instant Personal Loan in Kharagpur with minimal documents.
Why should you opt for Personal Loan in Kharagpur?
If you have higher CIBIL Score and you are a salaried it will be easier to get a Personal Loan in Kharagpur. You can apply online for Personal Loan in Kharagpur. Personal Loan in Kharagpur is offered by many lending institutions of India which includes Bank and NBFC both in lowest interest rates. In addition to that, they provide money lenders loans in Kharagpur, private finance loans in Kharagpur, cash loan in Kharagpur, immediate cash loan in Kharagpur, Personal Loan by Private financer in Kharagpur, instant Personal Loan in Kharagpur, Personal Loans in Kharagpur are different kinds of Personal loans in Kharagpur.
Here are some points that why you should go for Personal Loan in Kharagpur.
- You don’t have to mortgage any of your security to avail a Personal Loan in Kharagpur
- You do not need any guarantor at Personal Loan in Kharagpur
- Personal Loan in Kharagpur comes with lower interest rates; the processing fees are minimum and no hidden charges.
- You can check your Personal Loan in Kharagpur application status and your Personal Loan in Kharagpur eligibility just in a second from home by just clicking a button from your home or office.
- You can repay your Personal Loan in Kharagpur from 12 months to 60 months.
- You can avail Personal Loan in Kharagpur up to Rs. 25 lakh (varies).
- To avail a Personal Loan in Kharagpur you don’t need give a purpose to any institutions. There is no specific purpose to avail a Personal Loan in Kharagpur.
- In your emergency needs you can easily avail instant Personal Loan in Kharagpur, cash loan in Kharagpur or immediate cash loan in Kharagpur.
- If you are self-employed you can easily avail Personal Loan for Self-employed in Kharagpur.
Eligibility Criteria for Personal Loan in Kharagpur
It is not much hard to avail Personal Loan in Kharagpur you just need minimum eligibility to avail a Personal Loan in Kharagpur. You must maintain a good Credit score to avail Personal Loan in Kharagpur. If you are applying for Personal Loan in Kharagpur at a younger age you have chance to make your interest rate lower.
Here are the eligibility criteria for Personal Loan in Kharagpur.
|
Personal Loan in Kharagpur Eligibility Criteria |
Salaried |
Self-Employed |
|
Age |
21-60 years |
25-65 years |
|
Income |
Min- Rs. 20,000 or Rs. 25,000 |
Min Turnover- Rs. 1 crore |
|
Profession |
Working in MNCs, private sector or government organization |
Business Professionals, private or public ltd. companies, partnership firms etc. |
|
Work Experience |
Minimum 2 years of experience with at least 1 year in the present company |
Business Continuity for a minimum of 3 to 5 years |
|
CIBIL score |
750 or above |
750 or above |
|
Loan Amount |
Up to Rs. 25 lakhs (different for various financial institutions) |
Up to Rs. 30 lakhs (varies according to the financial institution) |
Documents required for Personal Loan in Kharagpur
Following are the common set of documents which you need to submit while applying for Personal Loan in Kharagpur-
- Duly filled application form.
- Passport size photograph.
- ID proof- PAN card, AADHAR card, Driving License.
- Residential proof- Any latest utility bill like Electricity bill, Gas bill. Passport.
-
For Salaried Individuals
- Bank Statement of the last 6 months.
- Copy of Form 16 and Receipt of Income Tax.
- Salary slips of last 3 months.
-
For Self-employed
- ITR copy of the past three years.
- Verified copy of Partnership Deed/Memorandum and Articles of Association/ Trade License/Sales Tax Certificate
- Copy of Profit & Loss statement, Balance Sheet of last 2 years
Interest Rates for Personal Loan in Kharagpur of different Financial Institutions
Following are some of the financial institutions which offer Unsecured Personal Loan in Kharagpur online at an attractive interest rate
|
Banks |
Loan Tenure |
Interest Rates |
Pre-Closure Charges |
Processing Fees |
|
Kotak Mahindra Bank Personal Loan in Kharagpur |
1-5 years |
11.25%* |
5% of outstanding principal. |
Up to 2.5% |
|
ICICI Bank Personal Loan in Kharagpur |
1-5 years |
11.49%* |
5% of outstanding principal + GST |
Rs. 999* |
|
SBI Personal Loan in Kharagpur |
1-5 years |
12.50%*-16.60%* |
3% of the prepaid amount (after 1st EMI) |
Up to 3% of the loan amount |
|
YES Bank Personal Loan in Kharagpur |
1-5 years |
14%* |
Within 12 to 24 months: 4% Within 24 to 36months: 3% Within 36 to 48 months: 2% After 48 months :No charges. |
2% or 3% of the principal |
|
Bajaj Finserv Personal Loan in Kharagpur |
1-5 years |
14.75%* |
NIL |
Up to 3% |
|
HDFC Bank Personal Loan in Kharagpur |
1-5 years |
11.25%* |
Between 2% to 4% of the outstanding principal. |
Up to 2.50% |
|
IndusInd Bank Personal Loan in Kharagpur |
1-5 years |
12.99%* |
4% of outstanding principal |
Up to 2.50% |
|
Indiabulls Venture Capital Personal Loan in Kharagpur |
1-5 years |
11.99%* |
5% if less than 6 Months. |
Up to 5% |
|
Axis Bank Personal Loan in Kharagpur |
1-5 years |
15.50%* |
NIL |
Up to 2.00% |
|
IDFC First Personal Loan in Kharagpur |
1-5 years |
10.99%* |
4% of outstanding |
2% – 4% |
|
Aditya Birla Capital Personal Loan in Kharagpur |
1-5 years |
11.75%* |
4% of principal outstanding in 1st year, 3% in the 2ndyear, and thereafter preclosure Permitted after 6 months. |
1% of principal. |
|
TATA Capital Personal Loan in Kharagpur |
1-6 years |
13.99%* |
4.5% of the outstanding principal. And NIL for the initial 6 months |
Up to 2% |
|
Fullerton India Personal Loan in Kharagpur |
1-5 years |
17.25%* |
4% of outstanding Principal. |
Up to 2% |
|
Capital first Personal Loan in Kharagpur |
1-5 years |
16%* |
4% of outstanding |
Up to 2.49% of the loan amount |
|
ECL Finance Personal Loan in Kharagpur |
1-5 years |
17.50%* |
4% of principal amount outstanding +GST |
Up to 2% of the loan amount |
*Interest rates change time to time.
