- Gold Price
Gold | 24k (999 Purity)
Silver | 24k (999 Purity)
- Profile IconRegister / Login
Notifications5
Terms and Conditions
Personal Loan in Begusarai
At Shriram Finance, we understand financial needs can arise unexpectedly. That's why we offer a personal loan in Begusarai to lend a helping hand.Our loans are unsecured, meaning you can borrow up to ₹10,00,000/- without needing to provide any collateral. With flexible repayment terms ranging from 12 to 60 months, you have the freedom to select what best fits your financial situation.We’ll keep you on track with regular reminders about your EMI payments so that you never miss a due date. If you have any questions, don't hesitate to reach out we're always happy to help!
Personal Loan Types in Begusarai
Shriram Finance offers a variety of options for a personal loan in Begusarai to cater to different needs:
Features and Benefits of Personal Loan in Begusarai
Choosing Shriram Finance for your personal loan in Begusarai comes with several advantages:
Collateral-free Loans
Quick Approval
Regular Reminders
Competitive Interest Rates
Seamless Experience
Flexible Repayment Options
Personal Loan Interest Rates and Charges in Begusarai
Understanding the costs of a personal loan in Begusarai is essential for financial planning. Interest rates start at 11%* p.a. and vary based on factors like your credit score, income, and repayment ability. Also, consider processing charges and early repayment penalties. Knowing these costs helps you make an informed decision. For questions, reach out to Shriram Finance!
| 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
Shriram Finance offers a personal loan EMI calculator to help you understand your financial commitments. This tool estimates your monthly repayments by entering the loan amount, interest rate, and loan duration. Use the EMI calculator to take proactive steps toward your financial goals. The EMI calculator can help you manage your budget and maintain a healthy credit score. An EMI calculator is a tool that helps you calculate the amount you repay each month towards your loan
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 Begusarai
To qualify for a personal loan in Begusarai from Shriram Finance, ensure you meet the following criteria:
Eligibility Criteria:- Nationality: Must be an Indian resident.
- Employment Status: Salaried individuals employed with reputable organisations or self-employed professionals.
- Credit Score: A minimum score of 700 is preferred.
- Age: Applicants should be between 21* to 60* years old (on loan closure).
- Income: Minimum monthly income requirement varies based on the loan amount.
- Required Documents:
- Identity Proof
- Passport
- Driving License
- Voter ID
- PAN Card
- Address Proof
- Passport
- Driving License
- Gas Bill with Gas book
- Other Documents
- Recent passport-size colour photographs
- Income Proof Documents of Last 3 months
- Bank Statement for the last six months
- One cancelled Cheque and ACH form for the Electronic Clearing Mandate (eNACH)
Step-by-Step Application Process for Personal Loan in Begusarai
Applying for a personal loan in Begusarai 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 Begusarai
At Shriram Finance, we’ve made it incredibly straightforward for you to apply for and manage your personal loans with our numerous branches throughout Begusarai. Feel free to visit us for personalised service that ensures a hassle-free borrowing experience. Our website features an online branch locator tool that makes it easy to find the nearest Shriram Finance branch. Let us help you on your journey towards achieving your financial aspirations!
Locate Us
Personal Loan Customer Care in Begusarai
For any inquiries or assistance regarding a personal loan in Begusarai, Shriram Finance offers dedicated customer care services. You can reach out via phone or visit any branch for personalised support.
Personal Loan Status in Begusarai
At Shriram Finance, we aim to make it easy for you to monitor the status of your personal loan application. Here’s how:
- Visit Our Website: Simply head over to the official Shriram Finance website and go to the loan status section.
- Contact Customer Care: If you prefer a more personal touch, our dedicated customer care team is here to assist you.
By choosing Shriram Finance, you not only benefit from competitive interest rates and flexible repayment options but also receive exceptional customer support. So why wait? Check your application status today!
Personal Loan in Major Cities in India
FAQs
What are the eligibility criteria for a personal loan in Begusarai?
To qualify for a personal loan from Shriram Finance in Begusarai, you need to be a resident Indian aged between 21* to 60* years at the time your loan is closed. You will also need to provide valid proof of identity and address, along with income documentation for the past three months and bank statements for the last six months.
What is the interest rate on a personal loan in Begusarai?
At Shriram Finance, the interest rates for personal loans in Begusarai start at 11%* p.a. However, these rates may vary based on various factors, including your credit score, income level, and repayment capacity.
Is personal loan in Begusarai unsecured?
Absolutely! The personal loans provided by Shriram Finance in Begusarai are unsecured, meaning you won’t need to put up any collateral. However, it’s important to maintain a good credit score to enhance your chances of approval.
Can I prepay or foreclose my personal loan in Begusarai?
Yes, you can certainly prepay or foreclose your personal loan with Shriram Finance in Begusarai. Just keep in mind that prepayment charges may apply as outlined in your loan agreement.
Can I apply for a personal loan online in Begusarai?
Yes, you can easily apply for a personal loan online through the Shriram Finance website. The process is streamlined for convenience, allowing you to complete your application from home.
How can I check the status of my personal loan application in Begusarai?
To find out the status of your personal loan application, simply head over to the Shriram Finance website and enter your application reference number in the designated section. If you’d rather speak to someone directly, our customer care team is always available to provide you with updates and answer any questions you may have.
What is the minimum income required for a personal loan in Begusarai?
The minimum income needed varies based on the loan amount and your eligibility. You'll need to demonstrate a stable income to comfortably manage repayments
Are there any hidden charges for personal loan in Begusarai?
No, Shriram Finance prioritises transparency. All applicable fees will be clearly outlined 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.