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Our Customer Says

Shubham Gupta

Placed in Jio

4.5 rating

My personal loan was taken with KOTAK MAHINDRA BANK , customer service is up to the mark they follow up so nicely through out the process . They charge nominal rate of interest it is 350000 for 5 years but they could charge little low processing fee . Other than that i am really happy with services .

Rajni kaushal

Placed in - Airtel

5.0 rating

I have been using BANK BAZAAR services for while. The service is excellent. Employees helped a lot .Overall it has been a good experience with the Bank bazaar . This was my first experience with bank bazaar and it is also good . I bought a personal loan via Bank Bazaar.

Palak Arora

Jio - Area Manager

5.0 rating

I got my loan with TATA CAPITAL . My application was processed on time. I applied for 75000 and i got 74800 they deduct 200 and there is no hidden charges with this bank . The interest rate is 14% and i am happy with that . It took just a few days time to get things done.

How to apply to loan?


Giving a loan or loaning means lending money from one individual or entity to another. A loan has three components principal or the borrowed amount, rate of interest and tenure or duration for which the loan is availed. It is one of the primary financial products of any bank or NBFC (Non-Banking Financial Company) offers.

Category of loans

Loans can be broadly categorized as secured or unsecured. Loans that are backed by collateral or security in the form of assets like property, gold, fixed deposits, and PF among others are secured loans. If the bank or NBFC agrees to give loans without security and purely based on.CIBIL scoreand personal track records, it becomes unsecured loans.

Loans are also classified on the basis of repayment period-revolving loans or term loans. Revolving refers to a loan that can be spent, repaid and spent again. A credit card is an example of this. And the loans paid off in equal monthly installments (EMI) over a pre-agreed period are called term loans.

Types of loans

The common types of loans that people avail are:

Home Loan
Car Loan
Education Loan
Personal Loan
Business Loan
Gold Loan

About Personal Loan

A personal loan is a short to medium term unsecured loan (no collateral) that you can use to meet current financial needs. Though most commonly used to meet expenses related to debt restructuring, vacations, unexpected medical expenses and down payments, a personal loan may be used for practically any type of expense.

Personal Loan Documentation

For salaried individuals

Proof of identity and residence proof such as Aadhaar Card, Voter ID Card

Salary slips of past 3 months

Form-16 issued by current employer

Bank statements of salary account for the previous six months

Residential and commercial properties are accepted as collateral to get loans against property.

For Self-employed Businesspersons:

Business details with complete document

All kind of Registration Certificate

Firm's/Company's Pan card

Firm's/Company's 3 Year Audit Reports

Firm's/Companys 3 Years I.T.R

Residential and commercial properties are accepted as collateral to get loans against property

For Self-employed Professionals:

Identity and Address proof documentation

Certificates that prove your academic qualifications/credentials

All registration/licensing certificate pertaining to your profession

Business existence proof/business profile details

Firm's/Companys 3 Years I.T.R

Profit & Loss Statement of the company.

Last 6 months bank statement.

Residential and commercial properties are accepted as collateral to get loans against property.

About Business Loan

Businesses need ample amount of investment to fund for start-up expenditures or pay for business extensions. For such purposes, companies take out business loans for their financial assistance. It is a debt which a company is obligated to pay back within a specific tenure according to the terms and conditions of the granted loan. Start-up Business loans can be taken for a variety of essential requirements like starting up a new firm, business expansions, dealer and vendor financing etc.

Eligibility Criteria for Business Loan

The List of essential documents you need for a Business Loan are:

Self-employed-Individual

Limited or Private Limited Company

You must be aged between 21 to 65 years

You should be in business for at least 3 years

You must submit the last 3 years of ITR statements

Your business partner can be a co-applicant in your project loan application (which would increase the probability of getting a loan with acceptable tenure and interest rate).

Proof of individual's identity

To apply for a Project Loan submit one of the following documents as identity proof:

I.D Proof

Residence Proof

Bank Account Statement Copy (for 6 month)

3 Year I. T.R

PAN Card

Proof of Business Profile:

List of documents that are accepted for Project Loan are:

Business details with complete document

All kind of Registration Certificate

Firm's/Company's Pan card

Firm's/Company's 3 Year Audit Reports

Firm's/Companys 3 Years I.T.R

About Home Loan

The ownership of a house is one of the key signs of success among the fast-growing Indian middle class. As the income of the average Indian family increases, there has been a continuous increase in the desire to own a house and this has lead the price of property to reach unmatched highs in recent years. This is true for not just the big cities but also for smaller cities across India. This unbridled price rise has made it near impossible for the common man to purchase their home through just savings. This is among the major reasons for the home loan business to have witnessed unmatched growth in recent years. So much so that prospective home buyers have multiple options to seek a home loan from banks as well as NBFCs.

Types of Home Loans

Home Purchase Loans

Land Purchase Loans

Plot Loans

Home Construction

Renovation Loans

A generic list of documents required for a home loan applications as follows

The completely filled and signed home loan application form

Recent photographs and investment proof (if any)

Proof of identity (photo copies of Voters ID card/ Aadhaar Card / PAN Card /Driving License)

Copy of document providing approval of proposed extension/construction plan

Additional documents such as municipal/society/builder NOC, allotment letter provided by housing board, etc.

Past six months salary slips and salary account statements in case of salaried applicant

IT Dept. acknowledged copies of documents like Profit and loss statement and sales receipts that have been certified by a Charted Accountant.

Salary account bank statement and salary slips for salaried individual

In addition to these, you may have to also submit the following documents: Acceptable address proof when applying for a home loan also include bank agreement, property tax receipt, Govt issued ID proofs and various utility bills like water, electricity and telephone.

How to apply for a loan?

Capture loans

Applying for a bank loan is simpler than one would think. But before you apply for one, you should be aware of your financial situation, given you will have to pay back the loan amount later. With all the paperwork involved and the various eligibility criteria, you must first understand your need and if you think it's an ideal way out for you, you can either go to the bank and talk to the loan manager or steer past all that and apply online.

What is the process to apply for Loan?

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