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Personal Loan in Purnia
Purnia is a city full of opportunities and located in Bihar. As residents, we sometimes need financial support to achieve dreams. At Shriram Finance, we understand life can bring unexpected costs, and a personal loan in Purnia can help a lot. We provide different personal loan options tailored for your unique situation. Are you planning a dream trip, a wedding, or handling a medical problem? We want to help. Our loans have fast approvals and competitive interest rates. This helps you get money when you need it. Interest begins at 11%* p.a.⯠Our loans don't need collateral. You can borrow up to âı10,00,000/-*
Personal Loan Types in Purnia
Shriram Finance offers a diverse selection of options for a personal loan in Purnia, tailored to meet a wide array of financial needs:
Features and Benefits of Personal Loan in Purnia
Choosing Shriram Finance for your personal loan in Purnia provides distinct advantages:
Seamless Experience
Quick Approval Process
Flexible Repayment Options
Competitive Interest Rates
Collateral-free Loans
Regular Reminders
Personal Loan Interest Rates and Charges in Purnia
Understanding the costs associated with a personal loan in Purnia is essential for making sound financial decisions. Shriram Finance provides competitive interest rates designed to be affordable and transparent.
- Our rates start at 11%* p.a.⯠but 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 Purnia. 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. |
The rates are designed to ensure affordability coupled with full transparency in all loan agreements.
How to Use the Personal Loan EMI Calculator
Effective financial planning requires the right resources. The personal loan EMI calculator provided by Shriram Finance is one such resource. This calculator is designed to help you understand your financial commitments better. Using the calculator is straightforward: Just enter the loan amount needed, 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. This information is invaluable as it allows you to see how much you will need to pay each month, helping you budget accordingly. Having a clear picture of your EMI can assist 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
âı 50,000
Interest Payable
âı 3,029
Monthly EMI
âı 4,419
Eligibility and Documentation Criteria for Personal Loan in Purnia
To secure a personal loan from Shriram Finance in Purnia, applicants need to meet stipulated 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 Purnia
Applying for a personal loan with Shriram Finance in Purnia involves a hassle-free and time-saving process:
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 Purnia
Shriram Finance has established branches across India to make the process of applying for and managing personal loan simple and convenient. We understand that accessibility is important, which is why our branches are located in key areas of the city. Whether you need assistance with your loan application, have questions about eligibility, or want to understand repayment options, we are here to guide you at every step. You can visit us in person to get personalised support and ensure a smooth borrowing experience. Should visiting a branch not be convenient, Shriram Finance also offers an online branch locator on its website. This helps you find the nearest Shriram Finance branch in Purnia. Shriram Finance aims to provide a seamless experience by combining accessibility with exceptional customer service. Our goal is to make borrowing stress-free and transparent for everyone in Purnia.
Locate Us
Personal Loan Customer Care in Purnia
For inquiries about personal loan in Purnia, Shriram Finance offers personalised assistance through its customer service channels or local branches.
Personal Loan Status in Purnia
Stay informed and monitor the progress of your personal loan application with Shriram Finance through these simple steps:
- Easy Online Tracking: Visit the official Shriram Finance website and navigate to the loan status section. Enter your application reference number to receive real-time updates on your application progress, all from the comfort of your own home.
- Dedicated Customer Support: If you prefer direct assistance, our customer care representatives are always ready to provide accurate information and address any questions you may have.
Our promise is to deliver a borrowing experience that is both seamless and stress-free. With competitive interest rates, flexible repayment options, and dedicated customer support, you can manage your application with confidence
Personal Loan in Major Cities in India
FAQs
What are the eligibility requirements for securing a personal loan in Purnia?
To be eligible, you generally need to be at least 21* to 60* years. You'll also need a stable income source. A good credit standing is often desired.
What is the going rate for a personal loan in Purnia?
Interest rates can vary, and it's best to compare what different lenders offer to find a competitive rate. Interest will depend on factors like your credit history and income stability.
Is personal loan unsecured in Purnia?
Personal loan is generally unsecured, meaning you usually don't need to provide collateral.
Can I settle my personal loan early in Purnia?
It's best to check with the money providing entity about their policies on early repayment, as prepayment charges may be applicable.
Is it possible to apply for a personal loan online in Purnia?
Yes, many lenders offer online applications for personal loan to simplify the process.
How can I find out where my personal loan application stands in Purnia?
Typically, you can track your application by logging into the money provider customer portal or by contacting their support.
What's the minimum income needed for a personal loan in Purnia?
The minimum necessary income changes with the loan amount and your individual circumstances.
Are there any hidden fees for a personal loan in Purnia?
Trustworthy lenders are committed to providing clarity, so there will be no concealed fees with personal loan. Any relevant charges will be openly displayed 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.