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Shri Ram Finance Personal Loan
Shri Ram Finance provides personal loans to people who are looking for a variety of reasons, including debt reduction, home improvements, wedding expenditures, education, a trip, and other personal necessities. The borrower's earnings, credit history, and duration of the loan are a few examples of variables that may affect the total amount of the loan, rates of interest, and repayment conditions. You would normally need to meet specific eligibility requirements and provide essential documents like identity evidence, address proof, income proof, etc.Powered By
Shri Ram Finance Personal Loan
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Here are a few factors
| Location | Delhi - NCR |
| CIBIL Score | 680+ & -1 CIBIL |
| Minimum Salary Per Month | 25000/-Per Month (Net Salary) |
| Salary Mode | NEFT,COMPANY TRANSFER,RTGS |
| Applicant Age | 22 Year to 60 Year |
| Loan Amount & Tenure | 1
Lac to 25 Lac (7.50 Lac to Minus 1 CIBIL Applicant) (12 Month to 72 Month) |
| Rate of Interest (Type) | 13% to 24% (Reducing) |
| Processing Fees | 1%-3% |
| Processing Mode & TAT | Processing: Online TAT: 1 Day to 3 Days |
| Foreclosure Charges | After 12 month 5%+GST |
| Part Payment Allowed | No |
| OD Product | No |
| BT+ TopUp | Yes |
| Minimum Job Experience | 1 month |
| Current Employer Business Vintage | 2 year |
| FOIR | 65% of Net Salary |
| Whether Co-Applicant Mandatory | No |
| No of Enquiry Allowed | 3 in Last 3 Months |
| USP | 1. Funding to All Company Employee |
| Negative Profile | 1.
Employee receiving Salary in Cash & IMPS 2. NRI Applicant 3. Employee working with Jewelers, Police, Defense, Hotel, MCD 4th Grade, Advocate, Spa & Saloon, Malls, Real Estate, GYM, Delivery Boys, NGO, Bar Tender, Taxi Driver 4. Any Employed Director who is Shareholder in Company 5. Applicant receiving Salary in Tranches |
Save Your Time with a Simple Loan Process
Visit Our Website
For the first step, you will have to visit our website to explore the loan options that fit your needs.
Select and Apply
Once you shortlist the loan you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Financial Freedom!
Once your application is approved based on your eligibility, you will receive your loan amount shortly.
Key highlights of Shri Ram Finance Personal Loan
Documents Required
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KYC Pan Card, Adhaar Card, Passport size photo
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Last 3 months salary slip
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Form 16 of last 2 years
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Employee ID Card
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Last 6 months bank statement in which your salary is being credited
Eligibility
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The applicant must be between the age of 21 to 65
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The minimum required income of the applicant must be more than Rs. 25,000
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Total Job experience should be 1 year and more
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Minimum CIBIL score has to be 650
Required Documents to Apply for Shri Ram Finance Personal Loan
PAN Card
Aadhaar Card
Last 3 months salary slip
Current Address Proof
Last 2 years Form 16
latest 6 month Bank Statement
FREQUENTLY ASKED QUESTIONS
Yes, you may use the moratorium in accordance with the Reserve Bank of India's (RBI) rules. You should be aware that the moratorium is optional and that you are free to determine whether or not to use it.
Yes, based on the number of months you use for your moratorium period, the NBFC will change your loan payments. The total loan payback period will be extended to include these installments.
No, in accordance with the RBI's notice, clients who use the moratorium won't be regarded as defaulters since they didn't pay their EMIs on time. The non-payment will merely result in a postponement of the payment; as a result, it won't have any impact on your credit rating or score.
If you have any questions regarding personal loans, you may contact the lending institution by calling the toll-free number 1800 103 6369. Visit the customer service page for personal loans at Shriram Finance for additional details.
The rates of interest for personal loans from Shriram City Union Finance are not fixed. After reviewing the applicants' supporting documentation, the institution determines the interest rates, which are strictly dependent on the plans that they have chosen.
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