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Personal Loan in Bhubaneswar

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Personal loans in Bhubaneswar are an excellent financial tool for individuals looking to fund personal needs such as weddings, education, home renovations, or emergencies. As Odisha's capital, Bhubaneswar is a growing urban hub with increasing demand for flexible financial solutions. Piramal Finance offers a quick, transparent, and accessible personal loan service tailored to meet the needs of Bhubaneswar residents.

Whether you're a salaried employee or a self-employed professional, Piramal Finance's instant personal loan in Bhubaneswar provides a hassle-free borrowing experience with minimal paperwork and prompt disbursal.

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Benefits of Personal Loan in Bhubaneswar

Fast Disbursal

Funds are transferred quickly post-approval, often within 24 hours. This is especially useful in emergencies when timely access to funds is critical.

No Collateral Needed

Our unsecured personal loans do not require any asset pledge, making them accessible to a wide range of borrowers.

Flexible Repayment Tenure

Choose a term from 9 to 60 months that suits your financial planning. This flexibility helps manage EMIs without overburdening your budget.

Transparent Charges

No hidden costs or surprise fees & complete clarity is provided on all charges.

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Documents Required for a Personal Loan in Bhubaneswar

Having all documents ready ensures quicker processing and disbursal:

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- For Salaried Applicants
- For Self-Employed Applicants:
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- Last three months’ salary slips or bank statements.
- Business registration and address proof
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- Aadhar Card, Passport, or Voter ID for identity proof
- Last two years’ ITR with financial statements
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- Utility bill, passport, or rental agreement for address proof
- Bank statements for the last six months
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- Employment certificate or offer letter.
- Identity and address proof (as above)
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- Form 16 or ITR (if applicable)
- Passport-size photograph

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Documents Required for a Personal Loan in Gurgaon

Here are some important documents you need to submit as part of the loan process:

Salaried Self Employed Last 1 month's salary slip, stating employer's name, salary break up, and bank details Business registration certificates issued by government authorities such as GST certificates, Shop and Establishment licenses, etc. Valid identity proof such as Aadhaar card/Voter’s ID/Driving License/Passport Last 3 years Income Tax Return along with computation of Income, Balance sheet, and Profit & Loss Account statement certified by a Chartered Accountant Latest 3 months Bank statement Latest 3 months Bank statement Form 16 or Income tax return (ITR) for the last 2 years, if applicable. Proof of continuity of business i.e., the partnership deed or proprietorship letter etc. in case of self-employed professional for more than 1 year, if applicable

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Eligibility Criteria for Personal Loan in Bhubaneswar

Indian citizen aged 21 years or above.
Monthly income of at least Rs 25,000
Salaried or self-employed with a stable income source
Good credit score and financial background

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How to Apply for a Personal Loan in Bhubaneswar

Piramal Finance makes applying for a personal loan simple and straightforward:

Step 1: Check Eligibility
- Use Piramal Finance’s online eligibility calculator or check the criteria listed above. This will give you a clear idea of whether you meet the minimum requirements.

Step 2: Fill in the Application
- Provide accurate personal and financial details through our secure online application form or visit the nearest branch for assistance.

Step 3: Upload/Submit Documents
- Upload scanned copies of the required documents. Accuracy and clarity in documentation can help speed up the approval process.

Step 4: Verification
- Our verification team assesses your application and contacts you if further clarification or documents are required.

Step 5: Loan Disbursal
- Upon successful verification and approval, the loan amount is credited directly to your bank account, often on the same day.

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Nearby Piramal Finance Branches in Bhubaneswar for Getting Loan

Bhubaneswar – Phul Nakhara

The Phul Nakhara branch of Piramal Finance is located at Ground Floor, MIG-32/33, Kharvela Estate, Mauza: Phul Nakhara, Bhubaneswar, Khordha, Odisha – 754001. Conveniently situated in a growing residential and commercial locality, this branch is easily accessible for all. Whether you're planning a trip or managing personal expenses, you can apply for a personal loan at the Phul Nakhara branch with ease.

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Personal Loan Interest Rate in Bhubaneswar

Interest rates at Piramal Finance start at 11.9%* per annum. Final rates are determined by your creditworthiness, income level, and employment type. We maintain full transparency with no hidden charges and provide complete information on all applicable fees.

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Uses of Personal Loans in Bhubaneswar

1. Wedding Expenses
- Plan a grand celebration with ease, covering all costs from venue to jewellery. A personal loan ensures your big day is memorable without financial strain.

2. Medical Emergencies
- Access instant funds for hospitalization, surgery, or post-treatment care. Avoid delays in treatment and ensure peace of mind for you and your loved ones.

3. Education Fees
- Pay tuition or admission fees for domestic or international institutions. Support higher education goals for yourself or family members.

4. Travel and Holidays
- Fund your dream vacation without dipping into your savings. Cover flights, accommodation, and shopping with a flexible loan.

5. Home Improvement
- Renovate, paint, or repair your home using our flexible loan options. Increase your home’s value and comfort.

6. Debt Consolidation
- Merge existing EMIs or credit card bills into one easy-to-manage payment. Reduce financial stress and simplify repayment.

7. Festival Celebrations
- Enjoy Diwali, Rath Yatra, or other festivals without financial strain. Make memories without compromising your budget.

8. New Business Setup
- Use funds to kickstart or expand your venture in Bhubaneswar. Ideal for purchasing equipment, hiring staff, or stocking inventory.

9. Emergency Repairs
- Be it your car, electronics, or home equipment—cover unexpected repair costs without delays.

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Calculate Your Personal Loan EMI & Eligibility

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