Amir Azam

Are you eligible for an IndusInd Bank personal loan? Suppose you seek a personal loan from IndusInd Bank and have not passed the eligibility criteria. In that case, it is a loss for you. You can have the loan processed, but it will be at a very high rate of interest. Therefore, to avail of a loan at a lower interest rate, you need to follow specific IndusInd Bank personal loan eligibility criteria. These criteria are given below. IndusInd Bank Personal Loan Eligibility Criteria Here are the IndusInd bank personal loan criteria for both salaried individuals and self-employed professionals. For Salaried Individuals - Particulars of Applicant Eligibility Criteria Age Criteria 21-60 Years Minimum Monthly Income Rs. 25,000 Minimum Total Working Experience 2 Years (with minimum 1 year in the current organization) Minimum Stay in Current Residence (if rented) 1 Year   For Self Employed Professionals- Particulars of Applicant Eligibility Criteria Age 25-65 Years Minimum Annual Net Income Post Tax Rs. 4.8 lakh Post Qualification Experience ●  4 Years (Self Employed Professionals)   The Overdraft Facility 1. You need to keep in mind that an overdraft is a second mortgage secured by the property. You have to borrow a loan at a low rate of interest. In other words, the money that you have put up as security can be taken to procure a loan. 2. It is effortless. You just need to deposit a certain amount of money in an account, and you can quickly get loans at competitive rates of interest. It is very convenient too. 3. The overdraft facility will depend upon IndusInd bank's personal loan eligibility criteria. So check it out, or you can talk with the IndusInd representative for clarification. Types of Personal Loan 1. As you know, there are two types of loans that can be availed from IndusInd Bank. You need to choose the right kind of loan for yourself depending on your personal needs. 2. The two categories of loans are secured and unsecured personal loans. You need to know more about both if you want to avail a loan from IndusInd Bank. Here is all you need to know about both kinds of loans: 1. Secured - This loan is considered an investment loan. The only thing you need to check out when applying for this loan is whether you have a checking account. If you don't, you need to open one, and then you can get a line of credit from IndusInd Bank. This is a good loan option for people who do not want to use their homes as collateral. 2. Unsecured personal loan - This is the most popular category of loans taken by people from banks these days. It is also the most comfortable option that is available to you. The only thing you need to check out when you apply for this loan is whether you have a checking account. If you don't, you need to open one and apply for a line of credit from IndusInd Bank. How to check IndusInd personal loan status? There are three ways to check IndusInd personal loan status for your application. 1. By visiting its website 2. BY calling customer care on 1860-500-5004. 3. By going to IndusInd bank nearest office. Last words When you check out your loan status, you need to remember to read the fine print carefully. You must read all the information given to you by the representative to understand if there are any fees or charges that you need to pay for. In some cases, you might also be asked to show proof of employment. Read all these details carefully before signing the agreement.

if you are looking for an instant personal loan at a competitive interest rate, then look no further. This article explains about the special offer of Indiabulls Dhani personal loan. Dhani is an instant personal loan that supports individual needs like buying a car or boat, paying college fees or wedding expenditure. All citizens of Indian origin who have a regular source of income can use it. Features of Indiabulls Dhani Personal Loan 1. Simple documentation – the appliance of non-public loans concerns solely basic KYC document submission. 2. Safe and secure – there is complete safety of the credentials shared by the people. 3. Quick and convenient application – Availing personal loans are often managed on-line, as submission of loan documents is finished through AN app. 4. Flexibility in tenure – The tenure that AN somebody will apply for the loan, ranges from three months to thirty six months. 5. Quick loan disbursals – On qualifying the loan, the number gets disbursed during very short span of your time. The Loan Details 1. Loan amount – Up to 15 lakhs 2. Loan Cancellation Charges - Rs 3000 3. Loan Rebooking charges - Rs 1500 4. Bounce Charges for Self Employed - Rs 750 5. Late Payment Penalty - 3% per month 6. Personal loan interest rate – 13.99% onwards What is the Eligibility Criteria? 1. In case of applying for Indiabulls Dhani personal loan, you need not fulfil any special criteria. This loan type requires no collateral. As compared to other traditional personal          loans, the interest rates are slightly higher. 2. In case of eligible individuals only, interest rate can be decided after taking into consideration their salary and monthly income. 3. The monthly income requirement is Rs 25,000 per month. Benefits of Indiabulls Personal Loan 1. The basic benefit of Indiabulls and personal loan is that it provides immediate cash. You can use the money for various reasons like buying a car or boat. After your application process is approved, money is directly transferred to your bank account within 24 hours. 2. To access the funds, simply log on to your bank's website. Other benefits that this loan offer includes: What is the approval process? 1. An easy approval - unlike other personal loans, all you need is to provide basic information like your income, bank account details and your monthly and annual expenses. The lender will verify all these details and if all the details are fine then you loan will be approved without any hassle. 2. If not, then you may have to give a convincing speech along with some other documents to convince the lender. Besides this, there is no credit check carried out thus helping you to borrow an amount smaller than what you actually require. What credit score you require? 1. No credit check process - in this competitive market where many borrowers and lenders are fighting each other's deadlines, the processing of Indiabulls dhani personal loan online is faster and easier. The lender does not have to do any checks or verify the details given by the borrower. 2. The processing also involves less paperwork and lesser waiting period compared to other lenders. The best part is that the entire loan procedure takes place without any commission, service charge or any other added costs. Thus, borrowers get their money very quickly and easily. How long the process will take? 1. Instant Decision with just a click of a mouse, borrowers can take an instant decision on the finalizing the entire process of the loan. This is possible with the help of a secure server from India where all the important details and loan details are securely stored. 2. All the details like the loan amount, personal loan interest rate, repayment duration, etc are available on the website. Apart from this, the loan details are also available with the assistance of email services.  Instant Approval 1. Borrowers who avail completely online the loan application process of Indiabulls Dhani can get the loan amount within 24 hours of submission. The complete process ensures that borrowers do not have to deal with any kind of hassles. 2. The hassle-free manner of approval makes the entire loan process fast and convenient. Moreover, borrowers can save a lot of time as well. They simply have to submit the right kind of information on the website. Conclusion The websites of Indiabulls Dhani personal loan is very user friendly that even an average Joe can easily use them. All the necessary information such as the borrower's name, loan amount, repayment duration, etc are available in the comfort of your home. With these benefits of instant personal loans, getting rid of the hassles of borrowing money becomes very easy for all. So, start searching for lenders who are offering secured and unsecured personal loans now! !  

  A personal loan for a wedding is the best way to pay for your wedding. A wedding is a very special occasion in a person's life and you want to make sure that everything is perfect. You want this day to be wonderful and memorable, and personal loans can help make this happen. You can find the best possible loan options that fit your budget and personal needs for wedding expenses. Here are some best personal loan lenders to look for.  Lenders name          Rate of interest  Loan Amount ICICI Bank personal loan         11.25% onwards Rs.20 lakh Tata Capital personal loan         11.25% onwards Rs.25 lakh Indiabulls Dhani loans          11.99% Rs.15 lakh Axis Bank instant loan          16% onwards Rs.15 lakh   When searching for personal loan for a wedding, you will notice that there are quite a few loan companies out there. You will have probably multiple loan companies calling and offering you loans. It can get confusing and overwhelming when looking for loans for this special occasion. One way to make it easier is to know what to look for in a loan.   Which Lenders to Choose The best way to narrow down the search and find the personal loan for wedding that is right for you is to talk to loan companies directly. You should check their reviews online to see if they are reliable and well established. Do not use the first company that you come across online, but instead ask to speak to someone at that company. There may even a financial advisor that you can meet and discuss your situation.   The Interest Rate Dilemma Look for personal loan interest rates that are competitive. While there will be other costs associated with getting married, these should not outweigh the cost of getting a personal loan for your wedding. The loan should be affordable, so you can afford to pay it back. You must understand how much the loan is going to cost you in the end.   The Loan Repayment Tenure Ask about the terms of repayment on the loan. Is there an early payback penalty? Is there a grace period before you have to start repaying your loan? Find out if you can set up automatic payments so you don't have to worry about remembering to make a payment. Many loans offer this kind of feature, which can save you time and money.   The Personal Loan Terms Go with the lender that is willing to explain all of the details. You should know what you are getting into, so read over all of the terms carefully. Some lenders will only want to talk about one aspect of the loan, such as the interest rate or the payment terms. Other companies will want to talk about all of the details, so do your homework. Get the best personal loan for your wedding that you can. Be careful about entering into any loan agreement. If you are getting married, or if your're soon to be spouse has already gotten a loan, make sure that the agreement does not include provisions for a pre-nuptial or pre-marital test. A third party to get information about the financial status of the couple can use this type of test. If this test is used, then the loan agreement could be voided during the wedding.   The Eligibility Criteria Minimum age: to use for a wedding loan, people ought to be aged a minimum of twenty-one years. for a few lenders, the minimum age needed for a wedding loan is twenty-three years. Maximum age: Salaried people fascinated by availing a wedding loan must not exceed fifty-eight years more matured, whereas freelance candidates mustn't be aged quite sixty-five years more matured. Minimum internet Monthly Income: usually, the minimum financial gain demand for wedding loans is Rs.15,000 however sure lenders might need it to be Rs.25,000. The present town, age, etc., of the human, might also affect the minimum financial gain criteria. Employment Type: Salaried, freelance people and professional’s area unit eligible to avail wedding loans provided they meet the minimum financial gain criteria. Employment status: candidates ought to have a gentle supply of financial gain to avail wedding loans. Salaried people ought to are utilized for a minimum of two years and a minimum of one year with the present leader to avail wedding loans. Credit score: Lenders like disposition to candidates whose CIBIL score is on top of 700. Candidates having lower CIBIL scores might also manage to secure a wedding loan, however,they will be charged a better rate of interest. Maximum Loan Amount: the utmost loan quantity can that may be availed as a wedding loan will vary from loaner to loaner and can be passionate about several different factors like reimbursement capability, income, CIBIL score, etc. However, the quantum of loans can vary between Rs.5 lakh and Rs.20 lakh.   Which to Choose It can be difficult to shop for a loan. The process can become rather confusing and you might have to spend a lot of time looking at different options. If you have, enough time and can afford it, try to get multiple quotes. This will allow you to find the best deal available on a loan that is right for you.   Do your thing Remember that finding the best personal loan is your responsibility. Make sure you read the fine print carefully. There will be fees associated with whatever you choose to use as the collateral. You do not want any hidden charges or fees tacked on to the end of the transaction. Make sure you know what you are agreeing to and how much of a monthly payment you will have to pay until the loan is paid off completely.   Conclusion A lot of people who are planning their weddings are counting on personal loans to get them through the financial crunch. Just remember that they come with high-interest rates and other fees. They are not intended to be free money! Use them to help you prioritize things in your life, but use them sparingly and only when you need them. Your wedding day should be one of the most important and enjoyable events of your life, so it's worth putting some extra effort into finding the best personal loan for you.