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Loan Faqs
Faq

What is a Personal loan? :

Whenever you have an urgent need of cash, personal loan is the best way to take care of your cash crunch at a reasonable rate of interest. You don\'t have to give any security or collateral to the bank. Normally, the bank does not ask for guarantors either. Once you submit your application form...
Faq

What all can I use a Personal Loan for? :

Personal Loans can be used for anything and everything. There are no restrictions on the end use. You could use the loan money to finance anything from daughter\'s marriage to a holiday abroad. The bank is not concerned with the end use of the loan, if you have furnished enough proof to show your...
Faq

How do I take a Personal Loan? :

You can take a loan from any bank you like but start by checking out the best interests rate that the different banks have to offer. You should also check with the bank you have your salary account in for special discounts to existing customers. You can negotiate the rate with your bank. Also...
Faq

How is my loan eligibility determined? :

Loan eligibility differs from bank to bank. The main factor the bank considers is your ability to repay the loan. Your profile in terms of residence and the place you work is also taken into consideration. Do make sure to check all such other eligibilities before applying.
Faq

What is the maximum tenure of a personal loan? :

Personal loan is a short tenure loan. Most of the banks provide you loan for a minimum of one year to a maximum of five years.
Faq

How much personal loan that I can take? :

The amount of loan that you can apply for ranges from Rs.50,000 to Rs.15,00,000 depending on your capacity to repay. It will also depend on the documents you furnish, place of work, residence, city you live in and the bank would like that the installments you pay should not exceed more than 30 to...
Faq

What are the fees and charges payable and when are they payable? :

The bank charges a Processing Fee ranging from 2%-3% of the loan amount when you apply for the loan. The best is to negotiate these charges with the bank. You should also negotiate on the interest rate with the bank. The other charge is the prepayment penalty which varies from 2%-5 % paid at the...
Faq

What is the rate of interest that will be charged on my loan? :

The interest rate varies from bank to bank. And usually it varies from 14%-26% depending upon your profile, kind of job and place of work, residence and city you live in. The most important factor is your repayment capacity.
Faq

How soon can I get my loan money? :

Depending on the documents that you furnish the Banks can take 72 hours to a maximum week to disburse the loan amount. So it is recommended that you keep all your documents ready and in order to avoid any delays. The loan is disbursed only after the completion of submitting of all required...
Faq

Can I apply for loan, jointly with my spouse? :

Yes. It's always a good idea to apply jointly with a co-applicant (either be your spouse or your parents) for a personal loan. This helps you to increase your income eligibility and you can also avail for a larger amount of loan, if you want to, as your co-applicants income also gets added to...
Faq

What is relationship discounts? :

Banks offer relationship discounts if you already have a relation with that bank. This can either be by having your salary account or another loan like an Auto loan from the bank. This basically means that if you are already banking with the lender from whom you seek to avail a loan, they give...



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