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Personal Loan in Guna
Guna, with its rich agricultural heritage and scenic landscapes, is a city that represents both tradition and growth. Whether you are looking to fund an important personal occasion, upgrade your home, or cover unexpected medical bills, a personal loan in Guna from Shriram Finance can help make those plans a reality. Our personal loans are collateral-free, allowing you to borrow up to âı10,00,000/- without the need to secure any assets. We provide interest rates starting from 11%* p.a.⯠We offer flexible repayment options, allowing you to choose a tenure from 12 to 60 months, making it easier to manage your finances. The application process is straightforward and can be completed entirely online, giving you the freedom to apply anytime and anywhere. And to make things even easier, we will send you reminders for your EMI payments. At Shriram Finance, we are dedicated to helping you achieve your goals with our personal loan in Guna.
Personal Loan Types in Guna
Shriram Finance offers a variety of options for a personal loan in Guna to cater to different needs:
Features and Benefits of Personal Loan in Guna
Choosing Shriram Finance for your personal loan in Guna comes with several advantages:
Collateral-free Loans
Competitive Interest Rates
Flexible Repayment Options
Quick Approval
Seamless Experience
Regular Reminders
Personal Loan Interest Rates and Charges in Guna
Before you apply for a personal loan in Guna, it's essential to understand the costs involved. At Shriram Finance, we offer competitive interest rates starting at 11%* p.a.⯠However, keep in mind that your final rate might change based on factors like your credit score, income, and how well you can repay the loan.
- Besides the interest rate, it's also important to think about other charges, such as processing fees and any penalties for paying off your loan early. We believe in being upfront about all these details, so you know exactly what to expect.
- Knowing what a loan will cost you makes planning easier and helps you choose the right one. Shriram Finance is here to help you through the process.
| 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. on the Overdue Amount |
These rates are designed to provide affordability while maintaining transparency.
How to Use the Personal Loan EMI Calculator
Want to know what your monthly payments will be on a personal loan? Shriram Finance's EMI calculator can help. Just input the loan amount, interest rate, and loan tenure, and the calculator will show you an estimate of your EMI. This allows you to see exactly how much you'll need to pay each month, helping you to plan your budget accordingly. By using the calculator, you can see how different amounts and terms affect your EMI. This way, you can ensure that your loan fits comfortably within your financial situation.
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
âı 50,000
Interest Payable
âı 3,029
Monthly EMI
âı 4,419
Eligibility and Documentation Criteria for Personal Loan in Guna
To qualify for a personal loan in Guna from Shriram Finance, make sure 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 Guna
Applying for a personal loan in Guna 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 hours.Step 5
Upon approval, funds will be disbursed directly to your bank account.
Our Personal Loan Branches in Guna
At Shriram Finance, we make it simple for you to apply for and manage a personal loan. Our branch in Guna is conveniently located, so you can easily access the support you need. Whether you need assistance with the loan application, eligibility requirements, or repayment terms, our team is ready to guide you. If you prefer in-person assistance, visit a nearby branch for personalised support. In case you are unable to find a branch, our online branch locator tool can help you find the closest one instantly. Our goal is to provide a transparent and seamless borrowing experience. Visit us today and take that next step!
Locate Us
Personal Loan Customer Care in Guna
For any queries or assistance regarding a personal loan in Guna, Shriram Finance offers dedicated customer care services. You can reach out via phone or visit any branch for personalised support.
Personal Loan Status in Guna
At Shriram Finance, tracking your personal loan in Guna application is simple and hassle-free. Here's how you can stay updated:
- Go to the Shriram Finance Website: You can easily track your application by visiting the loan status section on our website. Enter your application reference number to get real-time updates on your loan progress.
- Get in Touch with Our Customer Care: If you prefer direct assistance, our dedicated customer support team is available to help. They can provide up-to-date details about your loan status and address any queries.
We strive to provide a seamless experience for all our customers. Stay connected and in control of your loan journey with Shriram Finance. Check your loan status today!
Personal Loan in Major Cities in India
FAQs
What are the eligibility criteria for a personal loan in Guna?
To apply for a personal loan in Guna from Shriram Finance, you must be an Indian resident aged between 21* to 60* years at the time of loan maturity. You will also be asked to submit valid identity proof, address proof, proof of income for the last three months, and bank statements for the past six months.
What is the interest rate on a personal loan in Guna?
Shriram Finance offers personal loans in Guna at interest rates starting from 11%* p.a.⯠The final interest rate depends on factors like your credit history, income stability, and repayment capacity.
Is a personal loan in Guna unsecured?
Yes, personal loans provided by Shriram Finance in Guna are unsecured. So, there is no need to pledge any collateral. However, a strong credit score plays a key role in loan approval.
Can I prepay or foreclose my personal loan in Guna?
Yes, you can prepay or foreclose your personal loan in Guna. However, prepayment charges may apply as per the terms of your loan agreement.
Can I apply for a personal loan online in Guna?
Yes, applying for a personal loan online in Guna is easy through the Shriram Finance website. The digital application process is designed for a seamless experience.
How can I check the status of my personal loan application in Guna?
You can check your loan application status by visiting the Shriram Finance website and entering your reference number. Alternatively, you may contact customer service for assistance.
What is the minimum income required for a personal loan in Guna?
The minimum income requirement varies based on the loan amount and eligibility criteria. A stable income source is necessary to qualify.
Are there any hidden charges for a personal loan in Guna?
Shriram Finance follows a transparent lending process, ensuring all charges and fees are disclosed upfront during the application process. There are no hidden costs.
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.