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Personal Loan in Aligarh
Aligarh is a city celebrated for its educational significance, where culture and knowledge thrive side by side. Known primarily for the Aligarh Muslim University, it serves as a centre for learning and innovation. The city also boasts a strong lock industry and a rich cultural heritage.At Shriram Finance, we provide personal loans tailored to meet diverse needs. Whether you’re planning an exciting vacation, preparing for a wedding, or dealing with a medical emergency, our team is here to help. With quick approvals and competitive interest rates, we ensure you have access to funds when you need them most.Our loans are unsecured, enabling you to borrow up to ₹10,00,000/-*
Personal Loan Types in Aligarh
Shriram Finance offers a variety of options for a personal loan in Aligarh to cater to different needs:
Features and Benefits of Personal Loan in Aligarh
Choosing Shriram Finance for your personal loan in Aligarh comes with several advantages:
Flexible Repayment Options
Collateral-free Loans
Seamless Experience
Competitive Interest Rates
Quick Approval
Regular Reminders
Personal Loan Interest Rates and Charges in Aligarh
If you're seeking a personal loan in Aligarh, being aware of the associated costs is crucial for making informed financial decisions. At Shriram Finance, we offer competitive interest rates that are both transparent and affordable.
- Our rates start at 11%* p.a. , but they may vary based on factors such as your credit score, income, and repayment capacity. It’s also important to consider other potential charges like processing fees and prepayment penalties. We emphasise clear communication throughout the application process so you know exactly what to expect.
- Understanding these costs can help you manage your finances effectively and choose the right personal loan for your needs in Aligarh.
| Type of Fees | Applicable Charges |
|---|---|
| Interest Rate | Customised interest rates starting from 11%* p.a. |
| Processing Fees | Up to 5%* |
| Prepayment Charges | Up to 5%* |
| Late Payment Fees | 36%* p.a. |
These rates are designed to provide affordability while maintaining transparency.
How to Use the Personal Loan EMI Calculator?
If you are considering a personal loan in Aligarh, using the right tools can significantly enhance your financial planning. One such essential tool is the personal loan EMI calculator offered by Shriram Finance. This calculator is designed to help you easily assess your monthly payment obligations. To use it, simply enter the amount you wish to borrow, the interest rate, and the loan tenure. The calculator will then generate an estimate of your monthly instalments, providing you with a clear understanding of what to expect. Having this information at your fingertips allows you to budget more effectively and make informed decisions about your borrowing options. By taking advantage of our personal loan EMI calculator, you can confidently move forward on your financial journey in Aligarh.
STEP 01
Required loan amount
STEP 02
Interest rate
Min 11%
Max 42%
STEP 03
Min 12 months
Max 60 months
Personal Loan Calculator Summary
Loan
Loan Amount
₹ 50,000
Interest Payable
₹ 3,029
Monthly EMI
₹ 4,419
Eligibility and Documentation Criteria for Personal Loan in Aligarh
To qualify for a personal loan in Aligarh from Shriram Finance, ensure you meet the following criteria:
Eligibility Criteria:- Nationality: Must be an Indian resident.
- Credit Score: A minimum score of 700 is preferred.
- Age: Applicants should be between 21* to 60* years old (on loan closure).
- Employment Status: Salaried individuals employed with reputable organisations or self-employed professionals.
- Income: Minimum monthly income requirement varies based on the loan amount.
- Required Documents:
- Identity Proof
- Driving License
- Voter ID
- Passport
- PAN Card
- Address Proof
- Driving License
- Gas Bill with Gas book
- Passport
- Other Documents
- Bank Statement for the last six months
- Recent passport-size colour photographs
- Income Proof Documents of Last 3 months
- One cancelled Cheque and ACH form for the Electronic Clearing Mandate (eNACH)
Step-by-Step Application Process for Personal Loan in Aligarh
Applying for a personal loan in Aligarh with Shriram Finance is straightforward:
Step 1
Visit the official website or the nearest branch.Step 2
Fill out the online application form with the necessary details.Step 3
Submit the required documents for verification.Step 4
Wait for approval, which typically takes less than 24 houStep 5
Upon approval, funds will be disbursed directly to your bank account.
Our Personal Loan Branches in Aligarh
Shriram Finance has strategically placed branches throughout Aligarh to simplify the process of applying for and managing personal loans. Recognising the importance of accessibility, our branches are conveniently located in key areas of the city. Whether you need guidance with your loan application, have inquiries about eligibility, or wish to explore repayment options, our team is ready to assist you at every step. Visiting our branches allows you to receive personalised support and ensures a good borrowing experience. For those who find it inconvenient to visit a branch, we offer an online branch locator tool on our website. This tool helps you easily find the nearest Shriram Finance branch. Our goal is to provide a seamless experience by combining accessibility with outstanding customer service. We strive to make borrowing straightforward and transparent for everyone in Aligarh. Visit your nearest branch today and let us help you achieve your financial goals! Key locations include:
Locate Us
Personal Loan Customer Care in Aligarh
For questions or support regarding personal loans in Aligarh, Shriram Finance offers dedicated customer care services. You are welcome to contact us via phone or visit any branch for tailored assistance.
Personal Loan Status in Aligarh
To check the status of your personal loan application with Shriram Finance, follow these steps:
- Check Our Website: Go to the Shriram Finance website and navigate to the loan status section. Enter your application reference number for real-time updates.
- Reach Out to our Customer Care: If you prefer speaking to someone, our customer care team is available to provide detailed information about your application status.
At Shriram Finance, we strive to make your borrowing experience seamless and efficient. Keep track of your application today!
Personal Loan in Major Cities in India
FAQs
What are the eligibility criteria for a personal loan in Aligarh?
To qualify for a personal loan from Shriram Finance in Aligarh, applicants must be Indian residents aged between 21* to 60* years at the time of loan closure. Additionally, it is essential to provide valid proof of identity and address, along with income documentation for the last three months and bank statements for the previous six months.
What is the interest rate on a personal loan in Aligarh?
The interest rates for personal loans in Aligarh from Shriram Finance start at 11%* p.a. and may vary based on factors such as your credit score, income, and repayment capacity.
Are personal loans in Aligarh unsecured?
Yes, personal loans in Aligarh provided by Shriram Finance are unsecured, meaning they do not require collateral. However, having a strong credit score is crucial for obtaining approval.
Can I prepay or foreclose my personal loan in Aligarh?
Yes, you have the option to prepay or foreclose your personal loan with Shriram Finance in Aligarh. Please be aware that prepayment fees may apply as outlined in the terms and conditions of your loan agreement.
Can I apply for a personal loan online in Aligarh?
Yes, you can conveniently apply for a personal loan online through the Shriram Finance website. The application process has been designed to allow you to complete it from the comfort of your own home.
How can I check the status of my personal loan application in Aligarh?
You can check the status of your personal loan application by visiting the Shriram Finance website and entering your application reference number. Alternatively, you may contact our customer service team for updates.
What is the minimum income required for a personal loan in Aligarh?
The minimum income requirement varies depending on the desired loan amount and individual eligibility criteria. Generally, applicants should demonstrate sufficient income to meet their repayment obligations.
Are there any hidden charges for personal loans in Aligarh?
At Shriram Finance, we prioritise transparency; therefore, there are no hidden fees associated with personal loan. All relevant fees and charges will be clearly communicated during the application process.
Disclaimer
The information provided in this guide is for educational purposes only and should not be considered financial advice. Always consult with a financial advisor before making investment decisions related to fixed deposits or any other financial products.