Ajeetgarh Personal Loan

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About Ajeetgarh Personal Loan

Ajeetgarh Personal Loan

Personal Loan is a fixed amount of money that is taken by people from the banks who are in need of money. The puropse of taking a loan might be any medical emergency, education loan for their children, a family function or any other personal need. This is the best way of taking a loan as less documentation and easy disbursal is done.

Personal Loans are sanctioned by various banks across the country and are available at reasonable interest rates.

Who can apply?

A person who is an employee of any company or organization and a person, who is self-employed, both can apply for personal loan depending on various factors. We will find out below more about this under the eligibility criteria.

Eligibility Criteria for Ajeetgarh Personal Loan

For Salaried Applicants:

1.  Age: The applicant’s age must be 21 years or above.

2.  Salary: The salary of the person living in metropolitan cities must be 18,000 or above and for people living in other urban towns or cities must be 15,000 or above.

3.  Amount of loan: The amount that is sanctioned to an applicant depends on his net salary.

4.  CIBIL Score: While giving credit to a customer, his CIBIL Score is kept at priority.

5.  Location: Another important factor while considering eligibility criteria is the applicant’s location. The candidate will get a loan from the banks located near his current location only.

6.  Company’s Profile: Company’s profile in which the customer is working also plays a vital role.

Know more about: CIBIL Score

For Self-Employed Applicants:

1. Type of Company: Whether the company is on proprietorship based or owned by two or more than two people.

2. Company’s Profit: This includes the turn-over of the company.

3. Age of Company: In this, we check the lifespan of the company, that tells us about the origination of the company (how old the company is).

4. Finances: Company’s financials are considered at priority.

5. CIBIL Score: The history of the person’s bank profile is tracked with the help of CIBIL Score, so this is very important.

Rate of Interest for Ajeetgarh Personal Loan

Rate of Interest depends on the person’s profile and also where he works. In case of a self-employed person, his company’s lifespan is considered.  ROI (Rate of Interest) varies from bank to bank.

Whenever there is a change in the Rate of Interest, then it is modified by every bank in the country. ROI may change at an interval of time but has no such significant changes.

HDFC Bank

10.99% to 18%

ICICI Bank

13.99% to 18%

Fullerton India

17.25% to 32%

Bajaj Finserv

13.99% to 16.75%

Axis Bank

15.50% to 24%

Standard Chartered Bank

15.75% to 22%

Kotak Mahindra Bank

13.75% to 19%

Andhra Bank

13.50% to 22%

Bank of Baroda

13.50% to 19%

Vijaya Bank

13.75% to 22%

Corporation Bank

14.50% to 20%

Allahabad Bank

13.70% to 20%

Documents Required for Ajeetgarh Personal Loan

Self-Employed Applicants:

1. All financials are considered

2. PAN Card

3. Adhar Card

4. Residence Proof

5. Two passport sized photographs

Salaried Applicants:

1. Last three months salary slips

2. Previous six months bank statements

3. PAN Card

4. Adhar Card

5. Residence Proof (Owned/Rented/Company’s Apartment)

6. Two passport sized photographs

*NOTE: In case of rented apartments, rent agreement is to be attached.

Why Ajeetgarh Personal Loan?

There are several reasons listed below that will help you clear your mind while going for an option of Personal Loan:

1. Within 24 hours disbursal

2. There is no need for a guaranteer unlike other loan schemes

3. Hassle-free simple application steps are involved

4. Only the applicant’s necessary personal documents are required

5. No need to give papers of any asset

EMI on Ajeetgarh Personal Loan

It is the monthly amount that the customer has to pay after the disbursal of loan. Now you can calculate your monthly EMI based on your loan amount and your net salary.

Know more about: EMI Calculator

Processing Fee for Ajeetgarh Personal Loan

There is always some loan processing fee that every bank charges at the time of sanctioning of the loan. The amount varies from bank to bank. The minimum amount of processing fee is @ 1% that some banks offer to its customers.

*NOTE: The amount of loan is decided on the person’s net salary (for salaried applicants) and the turn-over of the company (in case of self-employed applicants)

About Ajeetgarh 

Ajeetgarh is a small town that is located in shrimadhopur tehsil in the Indian state of Rajasthan.

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