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Personal Loan in Vidisha
Managing big expenses becomes easier when you have the right financial support. If you are in Vidisha and need funds for a wedding, medical emergency, higher education, or any other important requirement, Shriram Finance is here to help. We offer several personal loan types without the need for collateral, giving you access to up to âı10,00,000/-* with competitive interest rates starting from 11%* p.a.⯠You can choose a repayment tenure between 12 to 60 months based on your convenience. The application process for a personal loan in Vidisha is simple and can be completed online, saving you time and effort. To help you stay on track, we also send timely equated monthly instalment (EMI) reminde With Shriram Finance, getting a personal loan in Vidisha is hassle-free, so you can focus on what matters most. Apply today and take a step towards fulfilling your plans.
Personal Loan Types in Vidisha
Shriram Finance offers different options for a personal loan in Vidisha to cater to different needs:
Features and Benefits of Personal Loan in Vidisha
Choosing Shriram Finance for your personal loan in Vidisha 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 Vidisha
Planning for a personal loan in Vidisha? Understanding the costs involved is important for managing your finances effectively. At Shriram Finance, we offer competitive interest rates starting at 11%* p.a.⯠The specific rate you receive will depend on factors such as your credit score, income, and repayment capacity.
- Additional charges, like processing fees and prepayment penalties (if you choose to repay your loan early), may also apply. We are committed to complete transparency, ensuring you're aware of all costs from the start.
- Being informed about these aspects will help you manage your finances efficiently and select the most suitable loan option. With Shriram Finance, you can plan your financial future with confidence.
| 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
Shriram Finance's personal loan EMI calculator is a valuable tool for anyone planning a personal loan in Vidisha. This calculator helps you estimate your monthly payments, making financial planning easier. Simply enter the loan amount, interest rate, and tenure. The calculator will provide an estimated EMI, helping you plan your budget accordingly. Knowing your EMI in advance allows you to manage your expenses better and choose a repayment plan that suits you. Use our EMI calculator to plan your loan with ease and take control of your finances.
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 Vidisha
To qualify for a personal loan in Vidisha 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 Vidisha
Applying for a personal loan in Vidisha 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 Vidisha
Accessing a personal loan in Vidisha is now easier than ever with Shriram Finance. Our branch in Vidisha is conveniently located to serve you, offering easy access to our financial services. Our team is ready to assist you with everything from the application process and eligibility details to understanding your repayment options. You can walk into any of our branches for personalised guidance and a smooth experience. If you prefer, our website also features an online branch locator to help you find our location easily. We are committed to making borrowing easy and transparent for everyone in Vidisha. Visit a Shriram Finance branch today and take the next step towards achieving your financial goals. Here are more details about our key locations:
Locate Us
Personal Loan Customer Care in Vidisha
If you have any questions or need help with a personal loan in Vidisha, Shriram Finance is here for you. You can easily reach out by phone or visit one of our branches for friendly, personalised support. We're ready to assist you!
Personal Loan Status in Vidisha
To check the status of your personal loan application with Shriram Finance, we offer quick and simple options to keep you updated. Given below is the process to track your application:
- Call Our Customer Support: If you wish to someone directly, our dedicated customer care team will help you. They can provide accurate information about your loan application status and address any queries you may have.
- Visit Our Website: Go to the official Shriram Finance website and navigate to the loan status section. Enter your application reference number to get real-time updates on your loan progress.
At Shriram Finance, our goal is to provide a seamless and stress-free borrowing experience. By choosing us, you not only benefit from affordable interest rates and flexible repayment options but also enjoy excellent customer support. Track your application today!
Personal Loan in Major Cities in India
FAQs
What are the eligibility criteria for a personal loan in Vidisha?
To be eligible for a personal loan in Vidisha from Shriram Finance, you must be a resident Indian aged between 21* to 60* years at the time of loan closure. Required documents include proof of identity, proof of address, income documentation for the past three months, and bank statements from the last six months.
What is the interest rate on a personal loan in Vidisha?
The interest rate for a personal loan in Vidisha from Shriram Finance begins at 11%* p.a.âŻ, depending on your credit score, income, and repayment capacity.
Is a personal loan in Vidisha unsecured?
Shriram Finance offers unsecured personal loans in Vidisha, meaning no collateral is needed. However, having a strong credit score is important for loan approval.
Can I prepay or foreclose my personal loan in Vidisha?
Yes, you can prepay or foreclose your personal loan in Vidisha with Shriram Finance, though prepayment charges may apply as per the loan agreement terms.
Can I apply for a personal loan online in Vidisha?
Yes, you can conveniently apply for a personal loan online via the Shriram Finance website. The application process is easy and can be completed from home.
How can I check the status of my personal loan application in Vidisha?
To check the status of your personal loan application, visit the Shriram Finance website and input your application reference number. Another option is to contact customer care for updates.
What is the minimum income required for a personal loan in Vidisha?
The minimum income requirement for a personal loan in Vidisha depends on the loan amount and individual eligibility criteria. Generally, you must demonstrate a sufficient income to meet repayment obligations.
Are there any hidden charges for personal loan in Vidisha?
Shriram Finance ensures transparency with no hidden charges on their personal loans. Any applicable fees or charges will be clearly communicated 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.