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Personal Loan in Pune
Pune is a city with several opportunities and residents often need financial assistance to reach their goals. At Shriram Finance, we recognise that unexpected expenses can arise and having access to a personal loan in Pune can be crucial. We provide a variety of personal loan options specifically designed to meet your individual needs. Whether you are planning an exciting vacation, preparing for a wedding, or facing a medical emergency, we are here to assist you. Our loans come with rapid approvals and competitive interest rates, ensuring that you can access your funds when you need them the most. Our loans are unsecured, allowing you to borrow up to ₹10,00,000/-*
Personal Loan Types in Pune
Shriram Finance offers a variety of options for a personal loan in Pune to cater to different needs:
Features and Benefits of Personal Loan in Pune
Choosing Shriram Finance for your personal loan in Pune comes with several advantages:
Flexible Repayment Options
Collateral-free Loans
Competitive Interest Rates
Regular Reminders
Quick Approval
Seamless Experience
Personal Loan Interest Rates and Charges in Pune
Understanding the costs associated with a personal loan in Pune is essential for making sound financial decisions. At Shriram Finance, we provide competitive interest rates that are designed to be affordable and transparent.
- Our rates start at 11%* p.a. , but they may vary based on factors such as your credit score, income and repayment capacity.
- It also important to consider other potential charges like processing fees and prepayment penalties. We strive for clear communication during the application process so you know exactly what to expect.
- Understanding these costs can help you plan your finances better and choose the right personal loan in Pune. With Shriram Finance, you can confidently navigate your financial journey and achieve your goals.
| 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
To effectively plan your finances, it essential to have the right tools at your disposal. One such tool is the personal loan EMI calculator provided by Shriram Finance. This calculator helps you understand your financial commitments better. Enter the loan amount you need to borrow, the applicable interest rate and the tenure of the loan. Once you input these details, the calculator will show you an estimate of your monthly instalments. Having a clear picture of your EMI can help you in making wise decisions about your borrowing options. By utilising our personal loan EMI calculator, you can take a step towards attaining your financial goals with clarity.
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 Pune
To qualify for a personal loan in Pune 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 Pune
Applying for a personal loan in Pune 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 Pune
Shriram Finance has strategically placed multiple branches throughout Pune to simplify the process of applying for and managing personal loans. Visiting our branches allows you to receive personalised support and ensures a smooth borrowing experience. For those who find it inconvenient to visit a branch, we offer an online branch locator tool on our website. The goal is to provide a seamless experience by combining accessibility with outstanding customer service. We strive to make borrowing straightforward and transparent for everyone in Pune. Visit your nearest branch today and let us help you achieve your financial goals! Key locations include:
Locate Us
Personal Loan Customer Care in Pune
For any inquiries or assistance regarding a personal loan in Pune, Shriram Finance offers dedicated customer care services. You can reach out via phone or visit one of our branches for personalised assistance.
Personal Loan Status in Pune
To check the status of your personal loan application with Shriram Finance, we provide easy and efficient methods to keep you updated. Here are the steps you can follow:
- Visit Our Website: Access the official Shriram Finance website and go to the loan status section. By entering your application reference number, you can obtain real-time updates on your loan's progress. This method ensures you stay informed with ease.
- Contact Customer Care: Should you prefer to speak with someone directly, our dedicated customer care team is available to assist you.
At Shriram Finance, our objective is to offer a seamless and stress-free borrowing experience. By choosing us, you benefit from competitive interest rates, flexible repayment options and outstanding customer support.
Personal Loan in Major Cities in India
FAQs
What are the eligibility criteria for a personal loan in Pune?
To qualify for a personal loan in Pune from Shriram Finance, you must be an Indian resident aged between 21* to 60* years at the time the loan is settled. Additionally, you are required to submit valid proof of identity and address, income documentation for the last three months and bank statements for the previous six months.
What is the interest rate on a personal loan in Pune?
The interest rates for personal loan in Pune from Shriram Finance begin at 11%* p.a. , varying based on factors such as your credit score, income and ability to repay.
Are personal loan in Pune unsecured?
Yes, personal loan in Pune provided by Shriram Finance are unsecured, meaning they do not require collateral. However, having a strong credit score is crucial for obtaining approval.
Can I prepay or foreclose my personal loan in Pune?
Yes, you have the option to prepay or foreclose your personal loan in Pune with Shriram Finance. However, prepayment fees may be applicable as per the loan agreement's terms and conditions.
Can I apply for a personal loan online in Pune?
Yes, you can conveniently apply for a personal loan online via the Shriram Finance website. The application process has been streamlined to allow you to complete it from the comfort of your home.
How can I check the status of my personal loan application in Pune?
You can monitor the status of your personal loan application by visiting the Shriram Finance website and entering your application reference number. Alternatively, you may contact customer service for updates.
What is the minimum income required for a personal loan in Pune?
The minimum income requirement varies depending on the desired loan amount and individual eligibility criteria. Generally, applicants should demonstrate adequate income to meet their repayment responsibilities.
Are there any hidden charges for personal loan in Pune?
Shriram Finance prioritises transparency; therefore, there are no hidden fees associated with personal loan. All relevant fees and charges will be clearly stated 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.