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Personal Loan in Guntakal
Guntakal is a key railway junction in Andhra Pradesh. It is renowned for its connectivity and thriving community. The town blends tradition with modernity, making it a vibrant place to live and work. The residents of this city often face situations where they need extra funds whether for emergencies, home repairs, or something important. A personal loan with the right terms can make managing these expenses easier. Our loans of up to ₹10,00,000/-* are collateral-free, ensuring you can borrow without any additional burden. With quick disbursal times for pre-approved customers you won't have to wait long to secure the funds you need. Our competitive interest rates make repayment hassle-free and budget-friendly. Applying for a personal loan in Guntakal is quick and convenient with Shriram Finance's digital platform. You can complete the process online, from start to finish, without stepping out of your home. Plus, our EMI reminders help you stay on top of your repayments. At Shriram Finance, we aim to empower the residents of Guntakal to achieve their goals with confidence. Partner with us to turn your aspirations into reality.
Personal Loan Types in Guntakal
Shriram Finance offers a variety of options for a personal loan in Guntakal to cater to different needs:
Features and Benefits of Personal Loan in Guntakal
Choosing Shriram Finance for your personal loan in Guntakal comes with several advantages:
Flexible Repayment Options
Collateral-free Loans
Competitive Interest Rates
Quick Approval
Seamless Experience
Regular Reminders
Personal Loan Interest Rates and Charges in Guntakal
When taking a personal loan in Guntakal, the interest rate plays a key role in determining your overall repayment amount. Being aware of the charges and fees can help you choose the right loan option with confidence. At Shriram Finance, we pride ourselves on offering competitive interest rates that are transparent and manageable. While rates start at 11%* p.a. , they may differ based on factors such as your credit score, income, and repayment ability.
- It's also important to keep in mind potential charges like processing fees and prepayment penalties. To ensure transparency, we provide all the necessary information during the application process, so you can plan your finances confidently.
- Taking these costs into account will help you make an informed choice and select the loan option that works best for you. With Shriram Finance, you can trust us to support you in your financial journey and help turn your goals into reality.
| 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
Planning your finances effectively begins with the right tools, and Shriram Finance offers a valuable resource: the personal loan EMI calculator. This tool is designed to help you understand your monthly financial commitments with ease. To use the calculator, simply input the loan amount, interest rate, and repayment tenure. The calculator will instantly provide an estimate of your monthly instalments, giving you a clear idea of how much youll need to pay each month. This clarity allows you to budget wisely and select a borrowing plan that aligns with your financial situation. By using the personal loan EMI calculator, you can take a step towards achieving your goals with confidence and better financial planning.
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 Guntakal
To qualify for a personal loan in Guntakal 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 Guntakal
Applying for a personal loan in Guntakal 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 usually takes less than 24 houStep 5
Upon approval, funds will be disbursed directly to your bank account.
Our Personal Loan Branches in Guntakal
To ensure a smooth experience, Shriram Finance provides easy access to personal loan services in Guntakal. We focus on making the process as seamless as possible for you. Whether you need assistance with your loan application, have questions about eligibility, or want to explore repayment options, we are here to guide you at every step. You can visit us in person for personalised support and a hassle-free borrowing experience. If visiting a branch is not convenient, we also offer an online branch locator tool on our website to help you find the nearest Shriram Finance branch. Our goal is to provide a seamless experience by combining accessibility with exceptional customer service. We aim to make borrowing stress-free and transparent for everyone in Guntakal. Step into your nearest branch today and take a confident step towards securing your financial future. Our key locations are:
Locate Us
Personal Loan Customer Care in Guntakal
For any queries or assistance regarding a personal loan in Guntakal, Shriram Finance offers dedicated customer care services. You can reach out via phone or visit any branch for personalised support.
Personal Loan Status in Guntakal
Keeping track of your personal loan in Guntakal application with Shriram Finance is hassle-free. Here how you can do it:
- Visit Our Website: Simply visit the official Shriram Finance website and navigate to the loan status section. Enter your application reference number to view real-time updates on your loan progress.
- Speak with Our Customer Assistance Team: If you prefer speaking with someone, our dedicated customer care team is available to assist. They will provide precise information regarding your loan application status and address any questions.
Shriram Finance is committed to ensuring a smooth borrowing experience. From affordable interest rates to flexible repayment plans, we prioritise your convenience. Track your application status today.
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FAQs
What are the eligibility criteria for a personal loan in Guntakal?
To be eligible for a personal loan in Guntakal from Shriram Finance, you must be an Indian resident aged between 21* to 60* years at the time of loan closure. You will also need to provide valid identity and address proof, income documents for the last three months, and bank statements for the previous six months.
What is the interest rate on a personal loan in Guntakal?
The interest rates for a personal loan in Guntakal start from 11%* p.a. The final rate will depend on factors such as your credit score, income, and repayment capacity.
Is a personal loan in Guntakal unsecured?
Shriram Finance provides unsecured personal loan in Guntakal, meaning you do not need to pledge collateral. However, a strong credit score is crucial for approval.
Can I prepay or foreclose my personal loan in Guntakal?
Yes, Shriram Finance allows you to prepay or foreclose your personal loan in Guntakal. Any applicable prepayment charges will be detailed in your loan agreement.
Can I apply for a personal loan online in Guntakal?
Yes, you can apply for a personal loan in Guntakal online via the Shriram Finance website. The process is user-friendly and can be done from home.
How can I check the status of my personal loan application in Guntakal?
To track the status of your personal loan in Guntakal, visit the Shriram Finance website and enter your application reference number. You can also contact customer care for updates.
What is the minimum income required for a personal loan in Guntakal?
The minimum income requirement varies based on the loan amount and eligibility criteria. You need to have sufficient income to meet the repayment obligations.
Are there any hidden charges for personal loan in Guntakal?
Shriram Finance ensures complete transparency with its personal loan in Guntakal. All applicable fees and charges are 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.