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Personal loan


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If you are looking for a smaller amount for a short term period, consider applying for a Personal Loan. It is an unsecured loan, and there is no need to place any asset as collateral. You can utilize the loan to serve a number of purposes like meeting wedding expenses, educational purposes, purchasing a vehicle and many more.


Why one should choose Personal Loan in Jammu?


  • Multipurpose loan: The Loan amount can be used to handle almost all financial problems of life.
  • Less Paperwork: It requires less documentation.
  • No security required: It does not require any collateral.
  • Simple procedures: It is a simple loan scheme as there is no process to check the collateral.


Personal Loan Interest Rates:


HDFC Bank State Bank of India Axis Bank
 13 % 13.5 % 14 % - 24 %


Who are eligible for Personal Loan in Jammu?

Salaried, self-employed people and self-employed professionals are eligible for availing personal loan.


Salaried Individuals:

  • Salary:Net Rs 10,000 (Monthly).
  • Minimum and Maximum Age: 21 and 60 Years.
  • Work Experience: Overall 3 years and one year experience in current job.


*A person getting salary in cash is not eligible for availing Loan  at affordable rates.


Self Employed Individuals:

  • Min and Maximum Age: 25 and 65 years.
  • An Annual ITR of 2.5 to 3 lakh is required.
  • Residence: Office or Home should be owned.
  • Business Stability: Your business should be running from last 3 years with continuous profit.
  • Telephone / Mobile at office: Mandatory


Documentation for Personal Loan:


Salaried Individual

Self Employed Individual

Latest 6 month bank statements

Latest 6 month bank statements

Last 2 month salary slips

Last 2 years Balance Sheet

Last 2 year Form 16

Last 2 Years ITR

Photocopy of Pan Card

PAN Card photocopy

Residence & Address Proof

Residence & Address Proof

2 passport size photographs

2 passport size photographs


About Jammu:

Jammu also known as Duggardesh, is one of the three administrative divisions within Jammu and Kashmir i.e. the northernmost state, in India. Officially, it is known as Jammu-Tawi. It is the largest city in Jammu and the winter capital of Jammu and Kashmir.


Special Note: Bank does not provide Personal Loan to poor credit holders. However, one can fulfill their financial requirement with a Gold Loan easily.






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