Personal Loan

🔹 Features & Benefits

• Unsecured Loan: No collateral or security required.

• Multi-purpose Use: Use the funds for anything—education, travel, health, weddings, or emergencies.

• Quick Approval & Disbursal: Enjoy a seamless loan application process with fast turnaround.

• Flexible Tenure & EMIs: Choose repayment plans that suit your budget.

• Transparent Charges: No hidden fees—know exactly what you pay.

• Attractive Interest Rates: Pay less over time with competitive rates.

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💡 How Can a Personal Loan Help You?

• Debt Consolidation: Combine multiple debts into one, with a lower interest rate and a single EMI.

• Home Renovation: Upgrade your home’s value and comfort with flexible financing.

• Medical Expenses: Handle unexpected health emergencies without draining your savings.

• Emergency Needs: Be financially prepared for urgent car repairs, travel, or other unforeseen events.

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✅ Eligibility Criteria

To apply for a personal loan with us, you must meet the following requirements:

• Age: 21 to 60 years

• Income: Minimum ₹15,000/month (Salaried/Self-Employed)

• Business Turnover: ₹20 lakhs+ per year (Self-Employed)

• Credit Score: 650 or above

• Debt-to-Income Ratio: Must be within acceptable range

• Employment Stability: Proof of consistent job or business history

• Clear Repayment History

• Resident: Must be a Citizen of India

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📑 Documents Required

Identity Proof (any one):

• Aadhaar Card, PAN Card, Passport, Voter ID, Driving License

Address Proof (any one):

• Aadhaar Card, Passport, Voter ID, Electricity/Telephone Bill, Ration Card

Age Proof:

• PAN Card, Aadhaar Card, Passport, Driving License

Income Proof:

• 1-year Bank Statement

• Last 3 Months’ Salary Slips

Employment Proof:

• Employment Certificate or Office Address Proof

Self-Employed Applicants:

• GST/VAT Registration

• Business Registration (MOA, AOA, Partnership Deed, etc.)

• Last 2–3 Years ITRs

Photograph:

• Recent Passport-size Photograph

💰 Fees & Charges

Particulars	Charges
Processing Fee	₹2,999 to 5% of Loan Amount
Loan Cancellation Charges	₹3,000 to 5% of Loan Amount
Stamp Duty Charges	₹150 to ₹300 (as per state laws)
Legal Fees	As per actuals
Penal Charges	Up to 2% per month on overdue amount
EMI / Cheque Bounce Charges	₹499 to ₹599 per instance

📞 Ready to Get Started?

Our expert advisors at VISION ADVISORY/CONSULTING are here to help you every step of the way—from eligibility checks to quick approvals and smart financial advice.

👉 Apply Now or Contact Us to learn more about how we can support your financial goals.