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Personal Loan

Document Criteria

  • ID Proof

    Passport, Voter’s ID, Driving License, PAN Card, Aadhaar Card

  • Address Proof

    Passport, Voter’s ID, Driving License, Aadhaar Card

  • Age Proof

    Passport, Voter’s ID, Driving License, PAN Card, Aadhaar Card

  • Income Proof

    6 Months Bank statement & 3 months’ Salary Slips

  • Photograph

    Passport-size photographs

  • Employment details

    Documents of the past 2-3 years to verify job stability i.e. (Form 16 or Experience Letter.)

Note : Any additional documents specified by the Bank or NBFC.

A personal loan is a type of loan that does not require collateral, meaning you do not have to put up any property or assets as security. It is an excellent option if you need money quickly and with little paperwork. Interest rates are usually reasonable and manageable. With a personal loan, you can use the money as you wish and according to your needs. However, it is important to know that a good credit score and a clean credit history are important factors in getting approved for a personal loan without any problems. A personal loan gives you the opportunity to fulfill your immediate financial needs and desires.

Features

  • Deals for New & Existing Customers
  • Loan of up to Rs. 40 Lakh
  • Tenure of up to 60 Months
  • No Guarantor / Collateral
  • Fast Process
  • No Hidden Charges
  • Easy Repayments

Eligibility Criteria

  • Age: Must be 24 years or older.
  • Residency: Legal resident of the country.
  • Income: Stable income source required.
  • Credit History: Good credit score preferred.
  • Debt-to-Income Ratio: Lower ratio is better.
  • Employment: Stable employment enhances eligibility.
  • Bank Account: Valid bank account needed.
  • Documentation: Identity, income proof, bank statements required.
  • Additional Criteria: minimum income, employment history, collateral, co-signer, loan purpose, and geographic restrictions may apply.

FAQs:

Personal loans can be used for a variety of purposes, including debt consolidation, home renovations, medical expenses, weddings, vacations, and more.

Typically, you’ll need proof of identity, proof of income, and bank statements. Specific requirements may vary depending on your location and the lender.

Our streamlined process ensures quick approval, often within a few business days. Factors such as the completeness of your application and verification of your information may affect the timeline.

While credit history is a factor in the approval process, we consider various factors when reviewing applications. Even if you have less-than-perfect credit, we encourage you to apply.

Conclusion

At Aayudhan, we understand that financial needs vary from person to person. That’s why we’re committed to providing flexible, accessible personal loan solutions tailored to your unique circumstances. Take the first step towards financial freedom today and let us help you achieve your goals.

Ready to get started? Apply now or contact us for more information.

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