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Quick Approval of Personal Loan
Personal Loan From TFS
Great personal loans through TFS offers complete transparency and simplicity. A personalized TFS buys personal loans instantly from banks and the process is completely paperless. You can easily apply through us.. The best part of TFS is that you can get personal loan quickly through end to end online process for all your needs . Soon after loan approval, you can avail loan in your account without any hassel.
Lowest Personal Loan Interest Rate
TFS Instant Personal Loans are offered up to Rs. 25 lakh to meet planned and unexpected expenses. Attractive personal loan interest rates are offered up to 11.99% per annum, based on your requirements. The documentation process is smooth and simple. The unsecured loan through TFS is for salaried and self-employed individuals with no hidden charges. Get in touch with us to know your loan eligibility in seconds.
What is Personal Loan?
Personal Loan is an unsecured loan which you can avail from bank for all your financial needs such as travel ,home renovation, marriage ,child education/medical expenses in the family. A very hassel free and seamless way to arrange the margin money needed to book a property and meet or pay unexpected financial expenses is made possible by instant personal loan application. It can also be used to pay your credit card balances.
Quick Instant Personal Loan through TFS today with best interest rates and fulfill your dreams
Process For Applying Personal Loan
Nature of Employment | Applicant must be a salaried employee of a public or private organization |
Income | Salaried: Self Employed: Minimal annual turnover depending on nature of industry / profession |
Age | Minimum of 21 years at the time of application |
Nationality | Resident Indian |
Credit score | 750 or above, with good credit history |
Work Experience | Overall work experience: 1 year At least |
The documents required for availing a personal loan from Fullerton India include:
- Duly filled and signed application form
- Proof of identity
- Proof of address
- Proof of age
- Salary slips for the last three months (for salaried)
- Bank statement for the last six months
- Income tax returns or form 16
- Proof of Income / financial statements (for self-employed)
You can take a personal loan for almost any purpose. Here are some of the reasons for taking a personal loan:
- Medical Emergencies – Lack of financial assistance can limit your ability to access quality healthcare. Get a personal loan at the earliest by furnishing the required documents.
- Used Cars – Realize your dream of owning a used car by opting for a personal loan at flexible rates of interest.
- Debt Consolidation – Get rid of the circle of debt by consolidating different debts into a single personal loan. The incurred on repaying the loan will be considerably lower than repaying multiple loans.
- Higher Education – Give wings to your dreams of higher education by availing of a personal loan to meet all your educational requirements right from course fees, travelling expenses, hostel fees etc.
- Wedding Expenses – You can take a personal loan to cover the expenses for your dream wedding
- Home Renovation – Avail a personal loan and undertake renovations/repairs to enhance the value of your home. Opt for a loan at competitive rates of interest and flexible repayment tenor.
You can apply for Fullerton’s online personal loan with ease and flexibility. You can apply from the comfort of your home, without having to visit a branch. You can get the funds disbursed in your registered bank account. Here is the simple step-by-step process that one may follow:
- Click on the “Apply Now” button on the top of this page.
- You will be asked to enter your mobile number and select if you are salaried or self-employed.
- OTP verification for your mobile number will be done.
- This will then take you to the next step where you can enter the loan amount you need and preferred repayment tenure. You will also be asked to provide information including personal, employment and banking details.
You can also apply through our branches, by calling customer care, or through our Chatbot Dia. Salaried customers can additionally download Fullerton India’s Instaloan mobile app and complete their application.
To know more, please check our article “How to Apply for a Personal Loan Online”
Required Documents For Personal Loan
Salaried
- •Passport, 2 Photos, Pan Card, Aadhar Card
- • Office & Residence address Proof
- • 3/6 Months Salary Slips
- • Bank Statements of Last 4 Months
- • 2 years ITR with Form 16
- • Loan A/c Statement of all Existing Loans
Self-Employed
- • Pan Card, 2 Photos ,Aadhar Card, Passport
- • Residence & Permanent address Proof
- • Latest one year GST returns
- • Previous 1 Year Bank Statements
- • Last 2 years ITR with Form 16
- • All Existing Loans A/C Statement
Eligibility For Availing Personal Loan
A personal loan is given to employees of corporate and government sector. Banks prefer to offer a personal loan to the clients with high and strong financials. Similarly, Personal loan interest rate varies according to each customer. You must check the applicable rate for you before giving papers for loan application and remember do not submit multiple application with different banks .
Criteria
Banks Offer Personal Loan to its customers and they can use this loan without any limitation for following reasons
Customers in India take personal loan when they need funds for
1. To Pay Loans and Credit Card dues
2. For Medical expense like Hospital expenses.
3. Marriage expenditure.
4. In order to Buy a Property
5. Payment for renovation and Home renovation
6. Family Travel expenditure
Personal Loan – Important Points to Remember
Select Bank Before Applying:
Most of banks has various product and their own policies. You must be aware of all these before submitting your loan application as you are unsure if your loan will be approved, downsized or rejected. It is very much required to get your documents checked as per bank policy. This will save loan processing time and you will have a clear idea about how much and when you can get your Personal loan amount.
Check Your Cibil Score:
Cibil Score plays a vital role in getting your desired loan amount. If you have any loan reflecting in your cibil report as written off or settled. The score reflects your credit repaying capacity.
Know About Your Loan Eligibility:
Your loan eligibility will be calculated on your current income. It is always better to know your loan eligibility while planning an expense.
Documentation / Tax Returns:
Applicant must have property income documents like Salary slips, Form 16 and Latest ITR to support 3yrs job continuity. In lieu of these, Bank has right to reject your application.
Affordability Check:
You may be eligible for a higher amount on your current income, but you must check your affordability and must also consider your other family and household expenses before taking an EMI commitment. A delay in Loan repayment can spoil your cibil report.
Personal Loan Consultation, at no extra cost
TFS offers Personal Loan consultancy free of cost. Our Specialized Loan expert consultant can guide you before Application. Share your contact details below and we would get in touch with you very shortly.
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