{"id":81,"date":"2017-09-29T18:42:00","date_gmt":"2017-09-29T18:42:00","guid":{"rendered":""},"modified":"2020-05-11T07:48:40","modified_gmt":"2020-05-11T07:48:40","slug":"personal-loan-rate-of-interest-eligibility","status":"publish","type":"post","link":"https:\/\/shiprafinance.com\/blog\/personal-loan-rate-of-interest-eligibility\/","title":{"rendered":"Personal Loan Rate Of Interest & Eligibility"},"content":{"rendered":"
\n
  Personal <\/a>Loan<\/a><\/span><\/p>\n
\n
<\/div>\n<\/div>\n
<\/div>\n
Personal Loan is a low duration unsecured loan granted to an individual. It is commonly used to meet such financial needs as debt consolidation, wedding expenses, unexpected medical costs, home renovation, and others. The flexibility of usage, minimal documentation, and quick processing make personal Loan <\/span><\/p>\n
<\/div>\n

A preferred financing option. Unlike other loans, it usually has a shorter repayment tenure ranging from 1-5 years. Depending upon the individual applicant’s profile and lender<\/span><\/div>\n

Eligibility<\/a><\/span><\/div>\n
All Indian residents, who are employees of either MNCs, Public and Private limited companies or Govt. sector<\/a> with a minimum age of 20 years and maximum age of 60 years are eligible for a personal loan. Age may be differing from bank to bank & NBFC.<\/span><\/div>\n
\n

Minimum Income Required<\/a><\/span><\/h2>\n<\/div>\n
\u00b7         <\/span><\/span><\/span>HDFC Bank<\/span>  <\/span>              <\/span><\/a> <\/span>Net monthly salary of Rs. 25,000\/- Income criteria vary company to company  <\/span><\/span><\/div>\n
\u00b7         <\/span><\/span><\/span>CITI BANK<\/a><\/span>                  <\/span>Net monthly salary of Rs. 25,000\/- Income criteria vary company to company  <\/span><\/span><\/div>\n
\u00b7         <\/span><\/span><\/span>ICICI BANK<\/a><\/span>                <\/span>A net monthly salary of Rs. 20,000\/- Income criteria vary company to company  <\/span><\/span><\/div>\n
\u00b7         <\/span><\/span><\/span>KOTAK BANK<\/a> <\/span>           <\/span>Net monthly salary of Rs. 25,000\/- Income criteria vary company to company  <\/span><\/span><\/div>\n
\u00b7         <\/span><\/span><\/span>AXIS BANK<\/a>  <\/span><\/span>              <\/span>Net monthly salary of Rs. 25,000\/- Income criteria vary company to company  <\/span><\/span><\/div>\n
\n

\u00b7         <\/span><\/span><\/span> <\/span>\u00b7         <\/span><\/span><\/span>Minimum Educational Qualification<\/a><\/span><\/b> –    <\/span> <\/span>Graduate, in some Bank 12th<\/span><\/h3>\n<\/div>\n
\n
\u00b7<\/span>      <\/span> <\/span><\/b><\/span><\/span><\/span><\/div>\n<\/div>\n
Documents<\/a><\/span><\/span><\/b>

<\/span><\/b><\/div>\n
\u00b7                                                        <\/span><\/span><\/span>Application Form<\/a> <\/span><\/div>\n
\u00b7         <\/span><\/span><\/span>1 Photograph<\/a>, for 2 Photograph<\/a> in Kotak Mahindra Bank<\/span><\/div>\n
\u00b7         <\/span><\/span><\/span>Identity Proof,  <\/span><\/span><\/div>\n
\u00b7         <\/span><\/span><\/span>Residence Proof<\/span><\/div>\n
\u00b7         <\/span><\/span><\/span>Pan Card<\/span><\/div>\n
\u00b7         <\/span><\/span><\/span>Signature Proof<\/span><\/div>\n
\u00b7         <\/span><\/span><\/span>Ownership Proof<\/span><\/div>\n
\u00b7         <\/span><\/span><\/span>Income Details for Salaried <\/span><\/div>\n
\u00b7         <\/span><\/span><\/span>Latest  <\/span>2 Months Salary Slip, Latest  <\/span>3 Months Bank Statement with 3 salary credited,  <\/span>Company ID<\/span><\/div>\n
\u00b7         <\/span><\/span><\/span> <\/span>Business Income<\/a> –  <\/span><\/span><\/b>ITR with computation of Income profit  <\/span>and loss Account Balance sheet<\/span><\/b><\/span><\/b><\/div>\n
\u00b7         <\/span><\/span><\/span>Last 6months current account statement <\/span><\/b><\/div>\n
Rate of Interest <\/a><\/span><\/b><\/div>\n
10.50 % TO  <\/span>36 % Depends on a bank to bank<\/span><\/div>\n

binod.shukla007@gmail.com<\/a><\/div>\n

<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

  Personal Loan Personal Loan is a low duration unsecured loan granted to an individual. It is commonly used to meet such financial needs as debt consolidation, wedding expenses, unexpected medical costs, home renovation, and others. The flexibility of usage, minimal documentation, and quick processing make personal Loan  A preferred financing option. Unlike other loans, […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[10],"class_list":["post-81","post","type-post","status-publish","format-standard","hentry","tag-10"],"yoast_head":"\nPersonal Loan Rate Of Interest & Eligibility - Shipra Finance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/shiprafinance.com\/blog\/personal-loan-rate-of-interest-eligibility\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Personal Loan Rate Of Interest & Eligibility - Shipra Finance\" \/>\n<meta property=\"og:description\" content=\"  Personal Loan Personal Loan is a low duration unsecured loan granted to an individual. It is commonly used to meet such financial needs as debt consolidation, wedding expenses, unexpected medical costs, home renovation, and others. The flexibility of usage, minimal documentation, and quick processing make personal Loan  A preferred financing option. 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