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You have options to borrow up to Rs 25 lakhs or up to Rs 15 lakhs in case you are self employed without having a guarantor or a collateral security. Once the documentation is done your personal loan will be disbursed within 2 days and you can also avail an accident cover along with this loan. HDFC Personal Loan Interest Rates Ranging between 14.75% to 20.70% Other Personal Loan Details Loan Amount – up to Rs 25 lakh (upto 15 lakh for self employed) Processing Fee – 2.5% Late Fee – 24% p.a Loan Tenure – upto 60 months Preclosure Condition – preclosure can be made after the payment of 12 EMIs Preclosure Charges 13 – 24 months – 4% of the prepaid amount 25 – 36 months – 3% of the prepaid amount Greater than 36 months – 2 % of prepaid amount Why You should Apply for HDFC Personal Loan After 36 months you have to pay only 2% preclosure charges which is lower than other banks. Zero Hidden Charges, Lowest Processing Fee, and Convenient Re

ICICI bank offers you one of the best personal loans at attractive interest rates starting at just 10.75%. Even the interest rate is charged on a reducing balance which means that every month interest will be calculated on the outstanding loan balance as reduced by the principal repayment made in last month. You can avail a loan upto Rs 25 lakhs without any guarantor or collateral security. The tenure of the personal loan with this bank can be as long as 60 months. For existing ICICI Bank customers, there are attractive benefits such as reduced documentation and automatic pre-eligibility( based on your relationship with the bank via a bank account, credit card, or a loan account). ICICI Bank Personal Loan Interest Rates Ranging from 10.75% to 20% Other Personal Loan Details Loan Amount                               upto 25 Lakh Processing Fee                             up to 2.25% Late Fee                                       24% p.a preclosure Charges     

State Bank of India Personal Loan SBI personal loan is accessible to all salaried professionals and self-employed with a minimum of 2 years standing.  SBI Bank offers personal loan under four categories – SBI Xpress Credit Personal Loan, SBI Pension Loan, SBI Saral Personal Loan, and SBI Festive Season Loan. SBI Xpress Credit Personal Loan SBI provides Xpress credit personal loans to the employees of under noted entities maintaining salary account with SBI. The entities includes Central & State Government, Quasi-Government, Central PSUs, Educational Institutions of National Repute , and Selected Corporates who have business relationship with the Bank. SBI Pension Loan SBI pension loan is for persons who are Central, State Government, or Defence pensioners drawing their pension through one of the SBI branches and are not more than 76 years of age. SBI Saral Personal Loan SBI saral personal loan is available for any legitimate purpose to salaried persons and self e

I know it’s difficult to manage your finances smoothly because of higher costs of living. People go for a personal loan when there is a cash crunch. It’s easy to get a personal loan for expenses like foreign vacation, renovation of your dream house, traditional Indian marriage, or any other obligation. Disclaimer: I won’t recommend anyone to take personal loan unless it’s absolutely necessary. Reconsider your decision if you can manage your finances without a personal loan. But if you have already made your decision but just looking for the best bank that gives best offers on personal loan then keep on reading till the end. Unlike in other kinds of loans, in a personal loan there is no restriction on how the borrowed amount is utilized as the borrower has full freedom to use the money for any purpose except for gambling. In general, banks do not ask for any collaterals as security while approving these personal loans. Hence these loans are quick and can be easily availed.

What do you mean by NEFT? NEFT stands for National Electronic Funds Transfer. It’s an electronic payment system of India facilitated by RBI (Reserve Bank of India), it helps people with one-to-one money transfers. People using this facility can transfer money electronically from any branch of bank to any other individual or organization within the country that has a bank account which has NEFT service enabled. Not all bank branches of the country are part of NEFT funds transfer network. The branches which are NEFT-enabled, only those can become a part of this network. The consolidated list of bank branches which are a part of NEFT, can be found by clicking here. You can select the appropriate option on this link. Limits, Charges & Operating Hours of NEFT   Limits The amounts carry no restrictions. But the cash based transactions are limited up to a maximum amount of INR 50,000/ Per Transaction for cash based payments. Charges There are no charges to receive money, howe

The term personal indicates it’s for our house hold purpose like planing for a vacation, honeymoon, health & many other things. Here is how personal loans are classified into. Loan to help with Holidays: You can take your personal loan for your own wedding. The "big, fat Indian wedding culture" in India is known for all financial institutions and is the most important reason for personal credit. They offer the start of a wedding loan without buying jewelry to support wedding ceremonies. Home renewal loans: Banks also provide personal credit for reconstruction of housing. This loan is made according to your needs. Holiday/travel loans: Holiday is becoming more expensive by the day. New horizons are warning you to go to Wanderlust indoors. Personal loans for travel are now part of the most creditors portfolio. Debt Borrowing Loans or Debt Consolidation Loans: Loan Debt Financing helps you syndicate many responsibilities under an umbrella. The merger makes

Making timely payments in full is key in establishing, or improving, a good score. And since details about your payment history, including late or missed payments, are considered public record and can stay on your credit report for years, you should aim to pay as much of their monthly balance as you can, on time, every time. The snowball method, in which you pay off the smallest of your debts first, then move on to the next largest, is a popular way to do that. Redd Horrorcks, a self-employed voice actress, using this method, paid $39,000 in credit card debt in five years. Click Below to Improve Your Credit Score Aside from paying in full and on time, look to reduce your credit utilization rate, too, which is the ratio of how much you've spent on your credit card versus the card's limit. "The smaller that percentage is," according to Bankrate, "the better it is for your credit rating." "Even if you pay balances in full every month, you s

If you're trying to build credit from scratch, there are a few ways to get started. The first, and most common, is to open a credit card. That can help you establish an official line of credit and begin building a good credit history, which is reported to the three credit bureaus. If you're just getting started, you may not be allowed to open a new card on your own, in which case you could, with permission, use someone else's. This process is called credit card "piggybacking" and involves becoming an authorized user on someone else's card: The primary cardholder agrees to add you as a secondary user so you can reap the benefits of good credit. The card's payment history then becomes part of your own credit report, NerdWallet explains: "So, even if you were 19 years old and couldn't qualify for credit on your own, you could have a credit card." This method is useful if your goal is to gain experience using plastic, or if you lack enoug

Most credit scores – including the FICO score and VantageScore 3.0 – operate within the range of 300 to 850, and a score of 700 or above is generally considered to be good. Within that range, there are different categories, from bad to excellent. They generally look like this: Excellent Credit: 750+ Good Credit: 700-749 Fair Credit: 650-699 Poor Credit: 600-649 Bad Credit: below 600 But even these aren’t set in stone. Again, that’s because lenders all have their own definitions of what is a good credit score. One lender that is looking to approve more borrowers might approve applicants with credit scores of 680 or higher. Another might be more selective and only approve those with scores of 750 or higher. Or both lenders might offer credit to anyone with a score of at least 650, but charge consumers with scores below 700 a higher interest rate! How Do I Rate? A good credit score is what each of us aspires to. After all, a credit score is one of the most important determinin

Credit cards, also known as plastic money, have become a rage in recent times as lots of people are experiencing its benefits. In recent times, the credit card companies are not only providing security for cash but also give many additional features too. 24-hour instant cash access is the major advantage of credit card and major banks in India provide varieties of credit cards. Here we discuss the major types of credit cards available in India. The features and benefits of credit card may differ from company to company. This article highlights the common features of different types of credit cards. Gold Credit Card: Gold credit cards are made for higher income groups who also have higher credit rating. It is a status symbol and is considered prestigious. The features of gold credit cards are: Cash withdrawal limit is higher Credit limit is higher Provides one Add-on card which can be given to either, spouse, children or parents of the credit card holder Provides