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Personal Loan in Hajipur
Hajipur is recognised as second fastest growing city in Bihar after Patna. Living in such a fast-moving city would often come with need for quick access to funds. Whether for a family event, urgent medical bills, or home renovations, having prompt access to financial resources can significantly impact your situation. A Personal Loan in Hajipur from Shriram Finance can help address your financial challenges. With loan amounts available up to ₹10,00,000/-*
Personal Loan Types in Hajipur
When applying for a Personal Loan in Hajipur, it important to understand the different options available to you. Shriram Finance offers several loan types designed to meet diverse financial needs:
Features and Benefits of Personal Loan in Hajipur
Opting for a Personal Loan in Hajipur from Shriram Finance comes with numerous advantages:
Collateral-free Loans
Quick Approval Process
Regular Reminders
Flexible Repayment Options
Seamless Experience
Competitive Interest Rates
Personal Loan Interest Rates and Charges in Hajipur
Understanding the costs associated to a Personal Loan in Hajipur is very important as it can help you in making smart financial decisions. At Shriram Finance, we offer competitive interest rates that are easy to understand.
- Our rates begin at 11%* p.a. *, but they can vary depending on factors like your credit score, income, and ability to repay.
- It's also important to be aware of other charges, such as processing fees, which can reach up to 3% of the loan amount, and any penalties if you choose to pay off your loan early.
- You should plan your finances more effectively and select the right personal loan in Hajipur. With Shriram Finance, you can feel assured as you take steps toward achieving your financial objectives.
| 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 provides an EMI calculator on their website which you can use to calculate your monthly installments and plan your budget accordingly. Heres how to use it:
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 Hajipur
To apply for a Personal Loan in Hajipur, certain eligibility criteria is important:
Eligibility Criteria:- Age: Applicants should be between 21* to 60* years old (on loan closure).
- Nationality: Must be an Indian resident.
- Income: The minimum monthly income requirement varies based on the loan amount.
- Employment Status: Salaried individuals employed with reputable organisations or self-employed professionals.
- Credit Score: A minimum score of 700 is preferred.
- 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 for 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 Hajipur
Applying for a personal loan in Hajipur with Shriram Finance is super simple:
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 Hajipur
Shriram Finance has set up multiple branches across Hajipur to streamline the process of applying for and managing personal loans. We understand the significance of having easy access to our services, which is why our branches are strategically located in key areas throughout the city. If you require assistance with your loan application, have inquiries about eligibility, or need more information on repayment options, our team is here to guide you at every step. You can visit us in person for personalised support, ensuring a smooth borrowing experience. For those who may find it difficult to visit a branch, we provide an online branch locator tool on our website that helps you quickly identify the nearest Shriram Finance branch. We aim to deliver an exceptional experience by combining convenient access with outstanding customer service. Our goal is to make borrowing straightforward and transparent for everyone in Hajipur. Visit your nearest branch today, and let us assist you in reaching your financial aspirations! Key locations include:
Locate Us
Personal Loan Customer Care in Hajipur
If you have any questions or need assistance regarding a personal loan in Hajipur, Shriram Finance offers dedicated customer support services. You can easily reach out by phone or visit any of our branches for personalised help.
Personal Loan Status in Hajipur
To track the status of your personal loan application with Shriram Finance, we provide simple and quick options to keep you updated. Here how you can monitor your application:
- Visit Our Website: Go to the official Shriram Finance site and navigate to the loan status section. Enter your application reference number to receive real-time updates on your loan's progress, allowing you to stay informed effortlessly.
- Contact Customer Support: If you prefer speaking directly with someone, our dedicated customer care team is available to assist you by providing accurate information about your loan application status and addressing any questions you may have.
Personal Loan in Major Cities in India
FAQs
What are the eligibility criteria for a personal loan in Hajipur?
To qualify for a personal loan in Hajipur from Shriram Finance, you need to be an Indian resident aged between 21* to 60* years at the time of loan closure. Additionally, valid identity proof, address proof, income documentation from the last three months, and bank statements from the past six months are required.
What is the interest rate on a personal loan in Hajipur?
The interest rates for a personal loan in Hajipur from Shriram Finance start at 11%* p.a. , depending on various factors such as credit score, income level, and repayment capacity.
Are personal loans in Hajipur unsecured?
Yes, personal loans offered by Shriram Finance in Hajipur are unsecured loans; this means they do not require collateral, but having a good credit score is essential for approval.
Can I prepay or foreclose my personal loan in Hajipur?
Yes, prepayment or foreclosure of your personal loan in Hajipur with Shriram Finance is possible; however, prepayment charges may apply according to the terms outlined in the loan agreement.
Can I apply for a personal loan online in Hajipur?
Absolutely! You can easily apply online through the Shriram Finance website; this process has been designed for convenience so that you can complete your application from home.
How can I check my personal loan application status in Hajipur?
You can check your application status by visiting the Shriram Finance website and entering your application reference number; alternatively, contacting customer care will also provide updates.
What is the minimum income required for a personal loan in Hajipur?
The minimum income requirement varies based on both loan amount and individual eligibility criteria; generally speaking, applicants should demonstrate sufficient income to meet their repayment obligations.
Are there any hidden charges associated with a personal loan in Hajipur?
Shriram Finance values transparency; therefore there are no hidden charges related to their personal loans 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.