Personal Loan Kalyani

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About Personal Loan Kalyani

Are you thinking about buying a new sofa set but don’t have enough funds? Is your business going through tough times and you need extra money? Are you trying to find a way to pay your daughter’s college fee without having to spend your saving? Then you are the right place or if I say on the right page of the internet. With Personal Loan, you can do any of the things which we have just mentioned as this name suggest it’s a loan for personal use. Thus, you can spend the loan amount in any way you like a bank or NBFC’s won’t ask you to specify the reason for taking this loan.

Personal Loan KalyaniSee personal loan is nothing but a loaning scheme in which you as the applicant get the principal amount from the bank by the evaluation of your income eligibility and your CIBIL. Also, you don’t need to provide any collateral to the bank if you are availing this loan making it an unsecured way of taking credit from the bank. Besides, these it comes with the lowest interest rates in the line of collateral free loaning scheme. If you are in urgent need of money, you should go for this loan as the whole procedure is fast and hassle-free.

Eligibility for taking Personal Loan Kalyani

For the self-employed individual:
If you own a business, then your business needs to be running for about three years.
Secondly, your business should yield a minimum turnover of 30Lac annually.
Likewise, the age of the applicant should be in between 25 years to 65 years.
Lastly, as an owner of the business, your last year ITR should be of 2.5Lac at least.

For Salaried applicant

If you are getting paid monthly, your monthly income needs to be at least 18,000 Rs to avail this loan.
Besides that, the minimum age to avail this loan is 21 and the maximum age limit is 61 years.
One of the most critical factors that play in personal loan approval is applicant CIBIL or credit score. Bank requires a minimum CIBIL score of 750.
Furthermore, applicant salary needs to be deposited in a bank account.
Moreover, you need to be working with the current employer for at least one year.
Besides, the applicant needs to have one year of working experience.

Interest Rates for Personal Loan Kalyani

10.70% is the minimum rate of interest you can expect that the bank will provide you on the personal loan. You can expect this rate of interest if the applicant is perfect. Also, once the bank decides the loan amount it remains same throughout the loaning tenure.
You can foreclose your loan by providing foreclosure penalty which ranges from 2-3% of the total loan amount along with the pending loan amount. By doing this, you will be saving your money by skipping the Emi’s and their respective interest rates.

Documentation required for taking Personal Loan Kalyani

Income Proof for self-employed: latest ITR documents and audited financial papers of business.
Income proof for the salaried applicant: Applicant needs to provide the last six months of bank statements along with six months of salary slips.
Residential Proof: Aadhar card, PAN card, Ration card, voter ID card, driving license, or passport. If in case you are staying on rent you can provide your rental agreement or water/electricity bills for the past three months can be considered.
Identity Proof: an Aadhar card, PAN card, Driving license, voter ID card or your passport.

Benefits of taking a Personal Loan

Firstly, the affordable interest rate with flexible tenure options
Secondly, natural documentation process requiring less number of documents making the process less time-consuming.
In addition to this, there’s no collateral requirement.
It comes with easy repayment options.
Lastly, both salaried and self-employed applicant are applicable to avail this loan and use it according to their needs.

About Kalyani

Kalyani is the town located in the district of Nadia, West Bengal.    It is situated just 50 km away from Kolkata the capital of West Bengal. In world war 2 Kalyani was converted into American Airbase site famously known as Roosevelt Nagar.


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