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Home Loan @ 8.70%   ||   Loan Against Property @ 9.30%   ||   Personal Loan @ 10.50%
Fincertis in Pune
Personal Loan

What is Personal loan?

Personal Loan is an unsecured loan for personal use which doesn’t require any security or collateral and can be availed for any purpose, be it a wedding expenditure, a holiday or purchasing consumer durables, the loans is very handy & caters to all your needs. The amount of loans can be ranged from Rs. 50,000 – Rs. 20 lakh & the tenure for repaying the loan varies from 1 to 5 years.

Eligibility Criteria

Any salaried, self employed or professional Indian national is eligible for a personal loan.
According to the parameters set by banks and other financial institutions lending the loan, you:

  • Should have been employed by your current organization or been involved in your business for a certain number of years
  • Should have some monthly repaying capacity or the required minimum salary
  • Must qualify the age bracket defined by the lending bank or institution
  • Should not have bad credit history under your name for three months prior to submitting the loan application

Documents Required

  • Duly signed and filled application form
  • Passport Size Photograph
  • Identity and signature proof - Passport, Pan card, Driving License, Voter ID card, Adhar card, employee identity card in case of government employees.
  • Address Proof - Bank statement, Rent Agreement, Voter ID card, Ration card, Passport, Driving License, telephone/ electricity/ water/ credit card bill or Property tax.
  • Age Proof - Voter ID card, Secondary school leaving certificate (class 10), birth certificate, Passport, Adhar Card, pension payment order or receipt of LIC policy.
  • Income proof :
  • Salaried Individuals

    • Latest 3 months salary slips
    • Form 16 with proper computation of income
    • Salary account bank statement for six months
    • Latest acknowledged IT return

    Self-employed persons

    • Last two years' computation of income, Profit and Loss statement, and balance sheet certified by a C.A.
    • Latest six months' bank statement
    • Last two years' sales and copies of acknowledged IT returns as proof of turnover

Loan Services

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