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💳 Personal Loan

# Personal Loan

No collateral. Instant funds for any personal need — disbursed in 48 hours.

📈 From 10.50% P.A.
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## About Personal Loan

A Personal Loan from Best Financial Services provides unsecured credit — no collateral, no guarantor — for any personal financial need. Whether it's a medical emergency, your child's education, a wedding, travel, home renovation, or debt consolidation, we arrange the best rate from our 20+ bank network based on your income and credit profile.

## Why Do People Take Personal Loans?

- Medical emergency or hospitalisation expenses not covered by insurance
- Wedding and related expenses for self or family
- Higher education fees, course fees, study abroad
- Home renovation, interior work, or appliance purchase
- Consolidation of multiple high-interest debts into one loan
- Travel and holiday expenses
- Any personal financial requirement without pledging assets

## Key Features & Benefits

- No collateral, no security, no guarantor required
- Loan amounts from ₹50,000 to ₹25 Lakh (higher for certain profiles)
- Fast approval — in-principle sanction within 24 hours for eligible applicants
- Disbursement within 48 hours of sanction letter
- Flexible EMI options — tenures from 12 to 60 months
- Pre-closure option — pay off loan early without heavy penalties (bank-dependent)
- Part payment allowed to reduce outstanding principal
- Multiple lenders compared to get you the lowest available rate

#### 💡 Personal Loan Rate Comparison

Bank/NBFC | Interest Rate | Max Amount
--- | --- | ---
HDFC Bank | 10.50% – 24% p.a. | ₹40 Lakh
ICICI Bank | 10.65% – 16% p.a. | ₹50 Lakh
Axis Bank | 11% – 22% p.a. | ₹40 Lakh
Bajaj Finserv | 13% – 32% p.a. | ₹35 Lakh
Kotak Bank | 10.99% – 24% p.a. | ₹40 Lakh

## Eligibility Criteria

##### Salaried

- Age: 21–60 years
- Min salary: ₹15,000/month
- Job stability: 1+ year
- CIBIL: 700+

##### Self-Employed

- Age: 25–65 years
- Business: 3+ years old
- Stable ITR income
- CIBIL: 700+

## Documents Required

Aadhar Card & PAN Card
Salary Slips (last 3 months)
Form 16 / ITR (2 years)
Bank Statements (6 months)
Employer ID Card / Letter
Passport-size Photographs

## Frequently Asked Questions

For salaried applicants with a good credit profile, we can get in-principle approval within 24 hours and disbursement within 48 hours of final sanction. Self-employed applicants may take 3–5 working days due to additional income verification.
Yes. When you apply for a loan, the bank makes a "hard inquiry" on your CIBIL, which slightly impacts your score. However, timely repayment of EMIs builds a positive credit history and improves your CIBIL score over time. Defaulting or missing payments has a severe negative impact.
Most banks require a CIBIL score of 700+. However, if your score is lower, we may still be able to help through select NBFCs that have more flexible underwriting — though rates will be higher. Contact us for a confidential assessment of your options.
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