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Personal Loan in Rohru
Rohru is a vibrant town in the serene hills of Himachal Pradesh, known for its natural beauty and rich cultural heritage. As residents of this flourishing city, we often find ourselves in need of financial assistance to achieve our dreams and navigate unexpected expenses. At Shriram Finance, we understand that life can sometimes present unforeseen challenges, and having access to a personal loan in Rohru can make a significant difference.We provide a diverse range of personal loan options tailored to meet your specific requirements. Whether youre planning an exciting holiday, organising a wedding, or facing an unexpected medical expense, we are here to support you. Our loans are designed with quick processing times and competitive interest rates, ensuring that you can access your funds exactly when you need them.
Personal Loan Types in Rohru
Shriram Finance offers a variety of options for a personal loan in Rohru to cater to different needs:
Features and Benefits of Personal Loan in Rohru
Choosing Shriram Finance for your personal loan in Rohru comes with several advantages:
Collateral-free Loans
Competitive Interest Rates
Flexible Repayment Options
Seamless Experience
Regular Reminders
Personal Loan Interest Rates and Charges in Rohru
When you're considering a personal loan in Rohru, it's really important to understand the costs involved to make smart financial choices. At Shriram Finance, were here to help with competitive interest rates that are designed to be both affordable and clear.
- Our rates start at 11%* p.a.âŻ, but keep in mind that they can vary based on your credit score, income, and how well you can manage repayments.
- It's also wise to think about other potential charges, like processing fees and any penalties for early repayment. We aim for clear communication during the application process, so you'll always know what to expect from us.
- By understanding these costs, you can plan your finances more effectively and choose the right personal loan for your needs in Rohru. With Shriram Finance by your side, you can confidently navigate your financial journey and work towards achieving your goals. If you have any questions or need more information, just reach out. We're here to help!
| 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
If youre looking to get your finances organised, having the right tools is key, and one of the best tools at your disposal is the personal loan EMI calculator from Shriram Finance. This nifty little tool is designed to help you understand your financial commitments in a much clearer way.Using the calculator is really straightforward! Just enter the amount you want to borrow, the interest rate, and how long you plan to repay it. Once youve filled in those details, it will quickly show you an estimate of your monthly payments. This is super helpful because it gives you a clear idea of how much you'll need to set aside each month, making budgeting a breeze.Having a solid understanding of your EMI can really empower you to make informed decisions about your borrowing options. By using our personal loan EMI calculator, you're taking a proactive step towards achieving your financial goals with confidence. So why not give it a try? It all about making your financial journey smoother and easier! If you have any questions or need assistance along the way, just reach outwere here to help!
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 Rohru
To qualify for a personal loan in Rohru 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 Rohru
Applying for a personal loan in Rohru 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 Rohru
At Shriram Finance, we're committed to making your experience with personal loans as straightforward and convenient as possible. That why we've set up multiple branches across Rohru, ensuring you can easily access our services wherever you are in the area.We know that sometimes you might have questions about your loan application, eligibility, or repayment options. No worries! Our friendly team is here to guide you through every step of the process. Feel free to pop into one of our branches for personalised support, we want to make sure your borrowing experience is smooth and hassle-free.If visiting in person isn't an option for you, we've got you covered with our online branch locator tool on our website. It super easy to use and will help you find the nearest Shriram Finance branch in just a few clicks.Our aim is to provide a seamless experience by combining accessibility with exceptional customer service. We want everyone in Rohru to feel confident and stress-free when it comes to borrowing. So why not visit your nearest branch today? Let work together to help you achieve your financial goals!
Locate Us
Personal Loan Customer Care in Rohru
For any inquiries or assistance regarding a personal loan in Rohru, Shriram Finance offers dedicated customer care services. You can reach out via phone or visit any branch for personalised support.
Personal Loan Status in Rohru
To check the status of your personal loan application with Shriram Finance, we offer efficient and straightforward options to keep you updated. Here how you can track your application:
- Visit Our Website: Simply navigate to the official Shriram Finance website and locate the loan status section. By entering your application reference number, you can receive real-time updates on the progress of your loan. This ensures you remain informed without any complications.
- Contact Customer Care: If you prefer to speak with someone directly, our dedicated customer care team is available to assist you. They can provide accurate information regarding your loan application status and address any questions or concerns you may have.
At Shriram Finance, our aim is to deliver a seamless and stress-free borrowing experience. By choosing us, you benefit not only from competitive interest rates and flexible repayment options but also from exceptional customer support. Start tracking your application today!
Personal Loan in Major Cities in India
FAQs
What are the eligibility criteria for a personal loan in Rohru?
To be eligible for a personal loan in Rohru from Shriram Finance, you must be a resident Indian aged between 21* to 60* years at the time of loan closure. Additionally, you need to provide valid identity and address proof, income documentation for the last three months, and bank statements for the preceding six months.
What is the interest rate on a personal loan in Rohru?
The interest rates for a personal loan in Rohru from Shriram Finance start from 11%* p.a.âŻ, depending on various factors such as your credit score, income, and repayment capacity.
Are personal loan in Rohru unsecured?
Yes, a personal loan in Rohru offered by Shriram Finance are unsecured loans, meaning they do not require any collateral. However, a good credit score is essential for approval.
Can I prepay or foreclose my personal loan in Rohru?
Yes, you can prepay or foreclose your personal loan in Rohru with Shriram Finance. However, prepayment charges may apply according to the terms and conditions of the loan agreement.
Can I apply for a personal loan online in Rohru?
Yes, you can easily apply for a personal loan online through the Shriram Finance website. The process is streamlined for convenience, allowing you to complete your application from home.
How can I check the status of my personal loan application in Rohru?
To check the status of your personal loan application in Rohru, you have a couple of options. You can visit the Shriram Finance website and input your application reference number to get the latest updates. Alternatively, contacting customer service is another effective way to inquire about your application status.
What is the minimum income required for a personal loan in Rohru?
The minimum income needed for a personal loan in Rohru can vary based on the specific loan amount and the eligibility criteria set by the lender. Generally, applicants are expected to show sufficient income to ensure they can meet their repayment commitments.
Are there any hidden charges for personal loan in Rohru?
Shriram Finance is dedicated to maintaining transparency; therefore, there are no hidden charges associated with their personal loans. All applicable fees and charges will be clearly detailed 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.