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Personal Loan in Siliguri
Siliguri, a key commercial hub in North Bengal, sees financial needs arise for various reasons, from expanding a business to funding higher education or covering emergency expenses. A personal loan in Siliguri from Shriram Finance ensures you have the necessary funds without financial strain. With interest rates starting at 11%* p.a. , borrowing remains cost-effective. You can avail of an unsecured loan of up to ₹10,00,000/-* and choose a repayment tenure between 12 to 60 months. The digital application process simplifies loan access, with minimal paperwork and quick disbursal upon approval. Shriram Finance also provides EMI reminders to help you manage payments efficiently. For those seeking financial flexibility and ease of borrowing, a personal loan in Siliguri is a practical choice.
Personal Loan Types in Siliguri
Shriram Finance offers a variety of options for a personal loan in Siliguri to cater to different needs:
Features and Benefits of Personal Loan in Siliguri
Choosing Shriram Finance for your personal loan in Siliguri comes with several advantages:
Quick Approval
Collateral-free Loans
Competitive Interest Rates
Regular Reminders
Seamless Experience
Flexible Repayment Options
Personal Loan Interest Rates and Charges in Siliguri
Before applying for a personal loan in Siliguri, it important to familiarise yourself with the applicable interest rates and charges. Shriram Finance provides personal loans at competitive interest rates starting from 11%* p.a.
- Your final rate will be based on factors such as your credit score, income, and repayment capacity. Processing fees and charges for early repayment or foreclosure may be applicable.
- Shriram Finance follows a transparent approach, ensuring that all charges are clearly communicated to you from the beginning.
| 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
An EMI calculator helps you organise your loan repayments with ease. Shriram Finance online calculator enables you to review multiple repayment options and select the most suitable one. The EMIs for a personal loan in Siliguri can be calculated by inputting the loan amount, interest rate, and tenure. The tool will instantly display the monthly instalment, ensuring 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 Siliguri
To qualify for a personal loan in Siliguri 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 Siliguri
Applying for a personal loan in Siliguri 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 Siliguri
Getting a personal loan in Siliguri is simple with Shriram Finance. Our experienced team at the branch is available to answer your queries and assist you with the application process. If you need help selecting the best borrowing option, we are here to guide you. Visit our Siliguri branch for personalised assistance or use our online branch locator to find the nearest branch. We are committed to making your loan experience smooth and hassle-free.
Locate Us
Personal Loan Customer Care in Siliguri
If you require assistance with your personal loan in Siliguri, Shriram Finance support team is just a call away. You can also visit our branch for personalised assistance. Our team is here to ensure you have a smooth experience.
Personal Loan Status in Siliguri
Checking the status of your personal loan application in Siliguri is quick and easy with Shriram Finance. Choose from these options:
- Check Online: Enter your reference number on our website to get instant updates.
- Reach Out to Us: Contact our customer support team for assistance and detailed information.
We prioritise a smooth and transparent process, keeping you informed at every stage.
Personal Loan in Major Cities in India
FAQs
What are the eligibility criteria for a personal loan in Siliguri?
To be eligible, you must be a resident Indian aged between 21* to 60* years at the end of the loan tenure. You must also provide valid ID and address proof, along with income verification and bank statements covering the last six months.
What is the interest rate on a personal loan in Siliguri?
Shriram Finance offers personal loans starting at 11%* p.a. The final rate is determined based on your credit history and repayment ability.
Is a personal loan in Siliguri unsecured?
Yes, Shriram Finance offers unsecured personal loans. A good credit score can help in securing approval.
Can I prepay or foreclose my personal loan in Siliguri?
Yes, prepayment and foreclosure are allowed, though charges may be applicable as per your loan agreement.
Can I apply for a personal loan online in Siliguri?
Yes, you can apply online via the Shriram Finance website for a quick and hassle-free process.
How can I check the status of my personal loan application in Siliguri?
You can track your application status online using your reference number or contact customer service for further details.
What is the minimum income required for a personal loan in Siliguri?
The minimum income required depends on the loan amount you seek. You must show proof of stable income for eligibility.
Are there any hidden charges for a personal loan in Siliguri?
No, all applicable charges are clearly communicated during the application process to ensure complete transparency.
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.