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Personal Loan in Kolhapur

Kolhapur is a wonderful place, on the banks near a river in Maharashtra. With nearly 8 lakh people living in Kolhapur, there must be an absolute need for financing day-to-day living. A Personal Loan can be beneficial when it comes to financial requirements. Let us look at how you can get the Personal Loan in Kolhapur. 

Features and Benefits of Personal Loan in Kolhapur

Here are some of the key features and benefits of a Personal Loan.

  • Fast Disbursement

After you submit the required documents and complete the application process, you can get a Personal Loan in Kolhapur instantly.

  • Flexible Tenure

The tenure is highly flexible and ranges between 12 months and 60 months.

  • Online Access

With the online customer portal, you can access your loan account at any time and keep a track of your EMIs.

  • Zero Hidden Charges

100% transparency is guaranteed throughout the entire process.

  • Minimal Paperwork

Documentation required to complete the entire loan process is minimal.

Documents Required for Personal Loan in Kolhapur

To complete the Personal Loan application process, the following list of documents will have to be submitted.

  • Proof of Residence such as Aadhar Card, Driving License, etc.

  • Proof of Identity such as Passport, Voter ID, PAN Card, etc.

  • Proof of Employment such as Form 16, ITR, etc.

  • Income proof such as Salary slips, Bank Statements, etc.

Eligibility for Personal Loan in Kolhapur

To be eligible for a Personal Loan in Kolhapur, you need to have the following eligibility criteria.

1. Citizenship

To avail of a Personal Loan, you should be an Indian citizen

2. Employment

To successfully get an instant loan in Kolhapur, you must be a salaried individual and have work experience of 2-3 years.

3. Age

While you apply for a Personal Loan, you should be a minimum of 21 and a maximum of 63 years of age.

4. Earning Amount

You should earn at least Rs. 15,000 per month.

5. Credit Score

You should have a credit score of 600 or above.

Personal Loan Interest Rates in Kolhapur

The Personal Loan interest rates in Kolhapur depend on several factors like the following.

1. Credit Score

A good credit score can ensure that you get a lower interest rate for your Personal Loan.

2. Relationship with the Financial Institution

The relationship you have with the bank is important as it can affect the rate of interest offered.

3. Income

Having a high and steady income can help you get a lower interest rate.

4. Repayment Record

Having a good repayment history can get you a lower interest rate on your Personal Loan.

You can also calculate the total interest by the following formula where ‘r’ represents interest rate, ‘P’ represents the principal amount, and ‘n’ represents tenure in months.

Total Payable Interest = (P*n*r)/100

How to Apply for a Personal Loan in Kolhapur?

The application process is simple and can be done in 3 simple steps.

Step 1:To start with, enter your personal and professional details like name, contact information, date of birth, salary details, work experience etc.

Step 2:Once you are eligible, you will find a list of offers for you. Select the tenure and the required loan amount as per your suitability.

Step 3:The approval just takes 3 minutes, post which you will receive your loan amount.

In a Nutshell

If you want to apply for a Personal Loan in Kolhapur, visit Finserv MARKETS today.

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