- Gold Price
Gold | 24k (999 Purity)
Silver | 24k (999 Purity)
- Profile IconRegister / Login
Notifications5
Terms and Conditions
Personal Loan in Jammu
Unexpected expenses can arise at any time, whether it's a medical emergency, a home renovation, or an important life event. A personal loan in Jammu from Shriram Finance can provide the financial support you need with ease and flexibility. Designed to meet diverse needs, our personal loans ensure you can manage your expenses without delays or complications. With loan amounts of up to ₹10,00,000/-*
Personal Loan Types in Jammu
Shriram Finance offers a variety of options for a personal loan in Jammu to cater to different needs:
Features and Benefits of Personal Loan in Jammu
Choosing Shriram Finance for your personal loan in Jammu comes with several advantages:
Flexible Repayment Options
Collateral-free Loans
Competitive Interest Rates
Quick Approval
Regular Reminders
Seamless Experience
Personal Loan Interest Rates and Charges in Jammu
When considering a personal loan in Jammu, understanding the associated costs is key to making wise financial decisions. 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 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 Jammu
To qualify for a personal loan in Jammu 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 Jammu
Applying for a personal loan in Jammu 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 Jammu
Shriram Finance has opened multiple branches across Jammu to make the process of applying for and managing a personal loan in Jammu straightforward and convenient. Understanding the need for accessibility, our branches are situated in key areas of the city.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 Jammu. Visit your nearest branch today and let us help you achieve your financial goals. Key locations include:
Locate Us
Personal Loan Customer Care in Jammu
For any queries or assistance regarding a personal loan in Jammu, Shriram Finance offers dedicated customer care services. You can reach out via phone or visit any branch for personalised support.
Personal Loan Status in Jammu
Keeping track of your personal loan in Jammu 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.
- Contact Customer Care: 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.
Personal Loan in Major Cities in India
FAQs
What are the eligibility criteria for a personal loan in Jammu?
To be eligible for a personal loan in Jammu 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 Jammu?
The interest rates for a personal loan in Jammu 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 Jammu unsecured?
Shriram Finance provides unsecured personal loan in Jammu, 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 Jammu?
Yes, Shriram Finance allows you to prepay or foreclose your personal loan in Jammu. Any applicable prepayment charges will be detailed in your loan agreement.
Can I apply for a personal loan online in Jammu?
Yes, you can apply for a personal loan in Jammu 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 Jammu?
To track the status of your personal loan in Jammu, 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 Jammu?
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 Jammu?
Shriram Finance ensures complete transparency with its personal loan in Jammu. 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.