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It Is A Loan That Establishes Consumer Credit That Is Granted For Personal Use, Usually Unsecured And Based On The Borrower's Integrity And Ability To Pay.
Personal Loans Typically Dont Require Any Guarantor Or Security. It Requires Only Minimal Documentation And Is Available For Both Salaried And Self Employed.
Minimum 1 year — maximum 5 Years. If it is a shorter duration loan; the EMIs will be higher and vice versa.
If there is a delay in paying off the monthly EMIs, banks will levy a late payment fee with the EMI. It usually is in the range 2—3 percent.
|1||Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)||Age Proof (PAN Card, Passport, Any other Certificate from Statutory Authority)|
|2||Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)||Residence Proof (Passport, Driving License, Telephone Bill, Ration Card, Election Card, Any other Certificate from Statutory Authority)|
|3||Latest Salary-slips for 4 months||Certificate & Proof of business existence along with Business Profile|
|4||Form 16 for last 2 years||Last 3 years Income Tax returns (self and business) with Profit & Loss Account & Balance Sheets duly certified/audited by a Chartered Accountant|
|5||Processing Fee Cheque in favour of bank.||Last 12 months Bank Account Statements (self & business)|
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