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Who Can Apply for Personal Loan Online?

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    आवश्यक दस्तावेज

    व्यक्तिगत कर्ज के लिए हमें आवेदक के पेशे/व्यवसायक के आधार पर कुछ दस्तावेजों की आवश्यकता होती है.

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    मुझे यह दस्तावेज सूची व्हॉट्सऐप करें

    पीरामल फायनांस में व्यक्तिगत कर्ज के लाभ

    Piramal Finance offers the best personal loan in India. Some of the benefits of availing of a personal loan from Piramal Finance include competitive personal loan rates, quick personal loan sanction and disbursal, flexible repayment tenure, and many more.

    शून्य पूर्वसमापन शुल्क
    शून्य पूर्व भुगतान और पूर्व समापन शुल्क
    ऊँचे कर्जों के लिए आय को जोड़ना
    पीरामल फायनांस उच्चतर कर्ज राशियों की पात्रता के लिए आय को जोड़ने की शानदार लौचिकता मिलती है
    शीघ्र वितरण
    पीरामल फायनांस में, आपके व्यक्तिगत कर्जों को जितना संभव हो उतनी जल्द वितरित किए जाएंगे.
    व्यक्तिगत कर्ज ईएमआई जो आपकी जेब के लिए उपयुक्त है
    व्यक्तिगत कर्जों पर वाजिब ब्याज दरों के साथ, आपकी किस्तें काफी किफायती होंगी.
    न्यूनतम कागजी कार्रवाई
    व्यक्तिगत कर्ज आवेदन की आसान और झंझट-मुक्त प्रक्रिया सुनिश्चित करने के लिए पीरामल फायनांस में न्यूनतम कागजी कार्रवाई की आवश्यकता होती है.

    Applicable Fees and Charges Piramal Finance Personal Loan

    Some common fees and charges associated with personal loans are as follows:

    Processing charges:

    The processing fee for a personal loan is related to the administration costs of the lender. It ranges from 0.50% to 2.50%.

    Verification charges:

    A personal loan will be disbursed by a bank or financial institution only after the borrower's repayment capacity has been verified. Borrowers may need to hire third-party verification agencies. That is why they charge borrowers a verification fee.

    GST:

    All borrowers will have to contribute a certain amount toward GST.

    Late payment fee:

    When a borrower fails to pay the personal loan EMIs on time, they will have to bear a late payment fee.

    Prepayment or foreclosure charges:

    Borrowers are usually required to pay a prepayment or foreclosure charge when they are willing to close a loan before its stipulated tenure.

    Prepayment and Part Payment in Personal Loan

    When you get your hands on some extra funds, you should try contributing them toward your personal loan. The prepayment facility helps you repay a loan before the fixed tenure. It ensures that you will be debt-free sooner than the loan term. Instead of prepaying the entire amount, you can make a partial payment on a personal loan.

    A part payment involves paying a lump sum amount toward your personal loan. However, it is lower than the principal outstanding amount. Part payments can bring down the unpaid principal amount while lowering the EMIs and the total payable interest.

    Types of Pre-Payment

    Full Pre-Payment: It revolves around pre-paying the entire amount.
    Part pre-payment: It entails prepaying a significant portion of your outstanding principal to your personal loan bank.

    Modes of Personal Loan Payment or Repayment

    Electronic Clearance System (ECS): It revolves around making repetitive and periodic transactions.
    Post-Dated Cheques (PDCs): The payer writes a PDC to be withdrawn at a future date.
    National Automated Clearing House: The centralised system was developed in India to consolidate multiple ECS systems. The system supports fund transfers between different bank accounts.
    Debit mandate or standing instruction: In this case, the borrower can provide a fixed instruction to the bank to debit a specific amount from their account automatically.

    How to Improve your Chances of Getting a Personal Loan?

    Credit Clean-up:

    You can improve your personal loan eligibility by increasing your credit score. A higher credit score makes you a reliable borrower.

    Rebalancing your income and debts:

    Your income-to-debt ratio helps determine the portion of your income that gets contributed toward covering your debts. A low income-to-debt ratio can make you more eligible for personal loans.

    Consider Co-signers/Guarantors:

    If you fail to repay your personal loan on time, your guarantor or co-signers will be responsible for repaying it. Therefore, adding a co-signer or guarantor makes you a low-risk borrower.

    Limit Your Borrowing:

    If you have too much debt, lenders will see you as a risky borrower. If you plan on taking a personal loan, try repaying your existing loans first.

    Choose the Right Lender:

    The best personal loan bank or financial institution will have less rigid eligibility criteria. As a result, working with a lender like Piramal Finance increases your chances of receiving personal loan instant approval.

    Types of Personal Loans:

    Personal Loan for Home Improvement
    You can use the funds from a personal loan to complete renovations in your home. Moreover, you can also use the funds to expand your home.
    Personal Loan for Weddings
    Indian weddings can be expensive, but the funds from a personal loan will help you deal with the expenses
    Personal Loan for Travel
    If you are willing to travel to an exotic location, applying for a personal loan is the way to go.

    View more

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    अक्सर पूछे जानेवाले प्रश्न

    व्यक्तिगत कर्ज क्या है?
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    Does my credit score affect my chances of getting a Personal Loan from Piramal Finance?
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    What are the benefits of a Personal Loan from Piramal Finance?
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    What is the minimum salary required to get a personal loan?
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    How to calculate the EMI of a personal loan?
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    What is the maximum personal loan amount I can get?
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    What is a prepayment and how does it help in repaying my loan?
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    What is the CIBIL score required to avail of a personal loan?
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    What should I do if my personal loan application is rejected?
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    How to apply for a personal loan from Piramal Finance?
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    What is a pre-approved personal loan?
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    Do personal loans offer tax exemptions?
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    How is my prepayment fee calculated?
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    Do personal loan pre-closures have certain terms and conditions?
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    How do I cancel my personal loan after the loan is disbursed?
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    How often should I repay my Personal loan?
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    How to Track Personal Loan Application status?
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    What happens if a personal loan is not paid?
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    Is there any option to get the Personal Loan foreclosure charges waived?
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    Why is there a 12-month lock-in period for Personal Loan pre-closure?
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    Is the interest rate on Personal Loan flat or reducing?
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