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Personal Loan online
A Personal Loan online is an unsecured loan that you can apply for through a bank, NBFC, or digital lending platform without visiting a branch. It is usually offered based on your credit score, income, and repayment capacity.
Key Features of Personal Loan Online:
No collateral required – unsecured loan.
Quick approval & disbursal – many lenders offer instant or same-day loans.
Flexible usage – can be used for travel, medical expenses, wedding, education, or debt consolidation.
Loan amount – generally ₹50,000 to ₹25 Lakhs
Repayment tenure – 1 to 5 years.
Eligibility – based on age, income, employment type, and credit score (usually 650+).
Steps to Apply Online:
Visit us
Fill in personal, employment, and income details.
Upload KYC documents (Aadhar, PAN, Salary Slip, Bank Statement).
Get instant eligibility check and loan offer.
Accept terms, complete e-sign, and receive disbursal in your bank account.
Business Loan
Business Loan is financial support provided by banks, NBFCs, or online lenders to entrepreneurs and business owners for starting, expanding, or managing business operations.
🔹 Key Features of Business Loan:
Secured or Unsecured – some require collateral (property, equipment), while others are collateral-free.
Loan Amount – ranges from ₹50,000 to ₹5 Crores (depending on business profile & lender).
Repayment Tenure – 1 year to 15 years.
Usage – working capital, machinery purchase, business expansion, inventory, or debt refinancing.
Interest Rates – usually 9% to 24% per annum (varies by lender & creditworthiness).
🔹 Eligibility:
Age: 21 to 65 years.
Business vintage: minimum 1–3 years (for most lenders).
Minimum turnover: depends on lender (often ₹10 Lakhs+ annually).
Good CIBIL/business credit score (650+ recommended).
🔹 Documents Required:
KYC (Aadhar, PAN, Address proof).
Business registration documents (GST, Udyam, Shop Act, etc.).
ITR (Income Tax Returns) for last 2–3 years.
Bank statements (6–12 months).
Financial statements (Profit & Loss, Balance Sheet).
Home Loan
Home Loan is a secured loan offered by banks, NBFCs, and housing finance companies to help individuals buy, build, or renovate a house by pledging the property as collateral.
🔹 Key Features of Home Loan:
Loan Amount – Up to 75%–90% of the property value.
Tenure – Up to 30 years (long repayment period with smaller EMIs).
Interest Rates – Usually 8% to 11% per annum (floating or fixed).
Collateral – The property being purchased/constructed is mortgaged to the lender.
Tax Benefits – Deduction on principal (u/s 80C) and interest (u/s 24b) under Income Tax Act.
🔹 Eligibility:
Age: 21–65 years.
Salaried or self-employed with stable income.
Minimum monthly income requirement varies (₹25,000–₹40,000 for most banks).
Good credit score (650+ recommended).
🔹 Documents Required:
KYC: Aadhaar, PAN, Address Proof.
Income Proof: Salary slips, Form 16, ITR, Bank statements.
Property Documents: Sale agreement, title deed, builder NOC, property tax receipts.
Business Proof (for self-employed): GST, financial statements, business registration.
🔹 Types of Home Loans:
Home Purchase Loan – to buy a new/old house.
Home Construction Loan – for building a house.
Home Improvement Loan – for repairs/renovations.
Plot Loan + Construction Loan – to buy land and build a house.
Balance Transfer Loan – shift existing home loan to another bank for lower interest.
Top-Up Loan – extra loan over existing home loan for personal/business needs.
Student Education Loan
Student Education Loan is a financial aid provided by banks, NBFCs, and government schemes to help students fund higher education in India or abroad.
🔹 Key Features of Education Loan:
Covers Expenses – tuition fees, hostel charges, exam/library fees, travel, study material, laptop, etc.
Loan Amount –
In India: Up to ₹10–20 Lakhs
Abroad: Up to ₹20–40 Lakhs (some banks even higher).
Collateral Requirement –
Loans up to ₹4 Lakhs: No collateral.
₹4–7.5 Lakhs: Parent/guardian as co-borrower.
Above ₹7.5 Lakhs: Collateral security + co-borrower.
Interest Rate – 8% to 14% per annum (lower for govt. schemes like SBI, Canara, etc.).
Repayment Tenure – Up to 15 years, including moratorium period (course duration + 6–12 months).
Tax Benefit – Interest paid is deductible under Section 80E of the Income Tax Act.
🔹 Eligibility:
Indian citizen.
Admission secured in recognized institution (India/abroad).
Courses: graduation, post-graduation, diploma, professional, and vocational studies.
Co-applicant (parent/guardian) with stable income.
🔹 Documents Required:
KYC documents (Aadhar, PAN, Passport for abroad).
Admission letter from university/college.
Fee structure of the course.
Previous academic records.
Co-borrower’s income proof (salary slips, ITR, bank statement).
Collateral documents (if applicable).
🔹 Types of Education Loans:
Domestic Education Loan – for studies within India.
Overseas Education Loan – for foreign universities.
Skill Development Loan – for vocational/short-term courses.
Loan Rates & Charges
🔹 1. Interest Rates
Fixed Rate – Stays the same throughout the tenure.
Floating Rate – Changes with RBI repo rate or market conditions.
Typical Ranges (2025 India):
Personal Loan: 10% – 24% p.a.
Business Loan: 9% – 24% p.a.
Home Loan: 8% – 11% p.a.
Education Loan: 8% – 14% p.a.
🔹 2. Processing Fee
Charged at the time of loan approval.
Usually 0.5% – 3% of loan amount (non-refundable).
🔹 3. Prepayment / Foreclosure Charges
If you repay loan before tenure ends.
Personal/Business Loans: 2% – 5% of outstanding amount.
Home/Education Loans (Floating Rate): Often no charges (RBI guidelines).
🔹 4. Late Payment / EMI Bounce Charges
₹500 – ₹1,500 per missed EMI + penal interest (2%–3% per month on overdue).
🔹 5. Other Hidden/Additional Charges
Loan Cancellation Charges – ₹2,000 – ₹5,000 (varies by lender).
Legal/Valuation Fee (Home Loan) – ₹2,000 – ₹10,000.
Documentation Charges – ₹500 – ₹2,000.
Insurance Premium – Some banks add loan protection insurance.
✅ Tip: Always check the “All-in Cost” (APR – Annual Percentage Rate), which includes interest + all charges, to know the real cost of the loan.