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What are the minimum and maximum amounts I can borrow?

Various banks offer loans ranging from Rs. 20,000 to Rs. 2 Million. This depends on your income and repayment capacity as evaluated by the bank.

What are my options for repayment period / tenure of my Personal Loan?

Most banks offer a repayment period ranging from 12 to 60 months.

Are there any additional charges?

There is a processing fee that is charged for processing of your loan application.

How much time will it take for my loan to be approved?

The time taken varies from bank to bank. Generally 10 – 20 working days are required. You can speed this up by making sure you provide all documentation required as shared in this section and avoid unnecessary delays.

Do I have to provide any security, collateral or guarantors to get my Personal Loan?

No, you can get a Personal Loan with no security, collateral or guarantors.

How do I repay my Personal Loan?

You repay the loan by depositing your monthly payments into the account your bank instructs.

Can I prepay / opt for early settlement of my Personal Loan?

Yes, however banks will charge you an early settlement fee to avail this facility.

How much do I pay with running finance?

You are only required to pay the amount you withdraw / use plus the pre agreed interest the bank will charge only for the duration you withdrew the money for.

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