InCred's personal loan policy offers flexible financing options with attractive interest rates. Here's a brief overview¹ ² ³: - Loan Amount: ₹50,000 to ₹15 lakhs - Interest Rate: 13.99% to 36% per annum - Tenure: 12 to 60 months - Processing Fee: 2% to 5% of the loan amount - Eligibility: Salaried and self-employed individuals with a minimum age of 21 years and a maximum age of 55 years - CIBIL Score: 625+ (preferably 650+) - Documents Required: ID proof, address proof, income proof, and bank statements

Key Benefits: - Instant Approval: Quick approval and disbursal, with loan disbursement in 15 minutes to 24-48 hours - Flexible Repayment: Choose from various repayment tenures and options - No Collateral: Unsecured loan, no collateral required - Balance Transfer: Option to transfer existing loans to InCred Additional Charges: - Foreclosure Charges: 1%-5% of the outstanding loan amount - Late Payment Charges: Up to ₹500 per instance - Loan Cancellation Charges: Up to ₹1,000 + taxes⁴

InCred's personal loan policy offers flexible financing options with attractive interest rates. Here's a brief overview¹ ² ³: - Loan Amount: ₹50,000 to ₹15 lakhs - Interest Rate: 13.99% to 36% per annum - Tenure: 12 to 60 months - Processing Fee: 2% to 5% of the loan amount - Eligibility: Salaried and self-employed individuals with a minimum age of 21 years and a maximum age of 55 years - CIBIL Score: 625+ (preferably 650+) - Documents Required: ID proof, address proof, income proof, and bank statements

Key Benefits: - Instant Approval: Quick approval and disbursal, with loan disbursement in 15 minutes to 24-48 hours - Flexible Repayment: Choose from various repayment tenures and options - No Collateral: Unsecured loan, no collateral required - Balance Transfer: Option to transfer existing loans to InCred Additional Charges: - Foreclosure Charges: 1%-5% of the outstanding loan amount - Late Payment Charges: Up to ₹500 per instance - Loan Cancellation Charges: Up to ₹1,000 + taxes⁴

Finnable personal loan policy includes the following key points ¹ ² ³: - Eligibility Criteria: - Age: 21-60 years - Income: Above ₹20,000 per month for Tier-1 cities and ₹15,000 per month for Tier-2 cities - Employment: Salaried individuals with at least 6 months of total work experience and 3 months with the current employer - CIBIL Score: 675 or above (though loans may be offered to first-time borrowers without a CIBIL record) - Interest Rates: - Range from 16% to 35.99% per annum - Starting interest rate of 15.95% p.a. (as per some sources) - Loan Amount: - Up to ₹10 lakhs - Tenure: - 6 months to 60 months - Processing Fee: - Up to 4% of the loan amount - Prepayment Charges: - 3% to 6% of the outstanding principal amount plus applicable taxes

- Late Payment Charges: - 2% per month on overdue EMI amount - Documentation: - Identity proof (PAN card, Aadhaar card, passport, etc.) - Address proof (Aadhaar card, passport, utility bills, etc.) - Income proof (salary slips, bank statements, etc.) - Disbursal Time: - Same-day disbursal post approval and verification in many cases Finnable also offers flexible repayment options, including EMI payments and part-payment facilities. The loan application process is fully digital, and the company provides customer support through email and online channels ¹ ⁴ ⁵.

Here's an overview of Bajaj Finserv's personal loan policy: Eligibility Criteria: - Age: 21 to 80 years - Employment: Salaried individuals employed with MNCs, public or private companies - Minimum monthly income: ₹25,001 (may vary depending on the city) - Credit score: 685 or higher Loan Features: - Loan Amount: Up to ₹55 lakhs - Interest Rate: 10% to 31% per annum - Tenure: 12 to 96 months - Processing Fee: Up to 3.93% of the loan amount (inclusive of applicable taxes) Fees and Charges: - Prepayment Charges: Up to 4.72% of the outstanding loan amount or principal amount prepaid - Late Payment Charges: Up to 36% per annum per instalment - Flexi Facility Charge: Up to ₹12,999 (depending on the loan amount) - Annual Maintenance Charges: Up to 0.295% of the Dropline limit (for Flexi Term Loan and Flexi Hybrid Term Loan)

Loan Options: - Term Loan: Fixed monthly payment plan - Flexi Term Loan: Adjustable repayments with extra withdrawals or prepayments without fees - Flexi Hybrid Loan: Initial interest-only EMIs, shifting later to include principal Documents Required: - Identity proof (PAN card, Aadhaar card, etc.) - Address proof - Bank account statements - Salary slips - KYC documents Repayment: - EMI payments - Part-prepayment and foreclosure options available - Loan disbursement within 24 hours of approval

Here's an overview of Piramal Finance's personal loan policy ¹ ² ³: Eligibility Criteria - Age: 21 to 60 years - Income: Minimum ₹25,000 per month for salaried individuals, ₹2 lakhs annual income for self-employed individuals - Employment: Salaried employees, self-employed individuals, pensioners/senior citizens, and women - Credit Score: 750 or above Loan Features - Loan Amount: ₹25,000 to ₹25 lakhs (or up to ₹10 lakhs in some cases) - Interest Rate: Starting at 11.99% per annum, with rates ranging from 12.99% to 31% per annum - Repayment Tenure: Up to 60 months (5 years) - Processing Fee: Up to 5% of the loan amount + applicable taxes

Fees and Charges - Part Prepayment/Pre-Closure Charges: Nil or up to 3% of principal outstanding + GST - Late Payment Charges: 2% per month on overdue EMI amount or 24% per annum - Loan Repayment Instrument Dishonor Charges: ₹500 + applicable taxes Documents Required - KYC Documents: PAN card, Aadhaar card, passport, driving license - Income Proof: Salary slips, bank statements - Address Proof: Utility bills, registered lease agreement

Aditya Birla Capital offers personal loans with attractive interest rates and flexible repayment options. Here's an overview of their personal loan policy ¹ ² ³: Eligibility Criteria: - Age: 21 to 60 years - Employment: Salaried individuals with a steady income - Income: Minimum salary requirements may apply - Credit Score: 750 or higher Loan Features: - Loan Amount: Up to ₹50 lakhs - Interest Rate: Starting from 10% to 10.99% per annum - Tenure: Up to 7 years - Processing Fee: Up to 4% of the loan amount

Fees and Charges: - Prepayment Charges: - For Term Loan: Nil if part prepayment is equal to 20% of the total disbursed amount; up to 4% on the remaining loan amount if part prepayment exceeds 20% - No prepayment allowed in the first 12 months - Foreclosure Charges: Up to 4% of the principal outstanding amount or withdrawn amount for Flexi Loan - Late Payment Charges: 3% per month on overdue amount - Cheque Return Charges: ₹1,000 + GST per instance Documents Required: - Identity Proof: PAN card, Aadhaar card, passport, etc. - Address Proof: Aadhaar card, PAN card, utility bills, etc. - Income Proof: Salary slips, bank statements, etc. Repayment Options: - Simple EMIs: Fixed monthly payments - Structured Repayment: Customized repayment plans - ECS and NACH: Electronic payment option

Here's an overview of Shriram Finance's personal loan policy ¹ ² ³: Eligibility Criteria - Age: 18-59 years (loan applicant), 21-60 years (as per some sources) - Residency: Indian citizens - Occupation: Salaried individuals, self-employed professionals, and businesses - Income: Based on loan amount and repayment capacity Loan Features - Loan Amount: Up to ₹10 lakhs (or ₹15 lakhs as per some sources) - Interest Rate: Starting from 11% per annum, with rates ranging from 11% to 42% p.a. - Repayment Tenure: 12-60 months (flexible repayment options) - Processing Fee: Up to 5% of the loan amount (or 1% as per some sources)

Fees and Charges - Foreclosure Charges: Up to 4% of outstanding amount (after 12 months) - Late Payment Charges: 3% of overdue amount per month (or 36% per annum) - Cheque Bounce Charges: Up to ₹1,000 - Documentation Charges: Up to ₹3,000 Documents Required - Identity Proof: PAN card, passport, driving license [10/10, 10:40 PM] Business assistant: Here's an overview of Shriram Finance's personal loan policy ¹ ² ³: Eligibility Criteria - Age: 18-59 years (loan applicant), 21-60 years (as per some sources) - Residency: Indian citizens - Occupation: Salaried individuals, self-employed professionals, and businesses - Income: Based on loan amount and repayment capacity Loan Features - Loan Amount: Up to ₹10 lakhs (or ₹15 lakhs as per some sources) - Interest Rate: Starting from 11% per annum, with rates ranging from 11% to 42% p.a. - Repayment Tenure: 12-60 months (flexible repayment options) - Processing Fee: Up to 5% of the loan amount (or 1% as per some sources) Fees and Charges - Foreclosure Charges: Up to 4% of outstanding amount (after 12 months) - Late Payment Charges: 3% of overdue amount per month (or 36% per annum) - Cheque Bounce Charges: Up to ₹1,000 - Documentation Charges: Up to ₹3,000 Documents Required - Identity Proof: PAN card, passport, driving license, etc. - Address Proof: Passport, driving license, utility bills, etc. - Income Proof: Salary slips, bank statements, etc.

........... Finnable personal loan policy includes the following key points ¹ ² ³: - Eligibility Criteria: - Age: 21-60 years - Income: Above ₹20,000 per month for Tier-1 cities and ₹15,000 per month for Tier-2 cities - Employment: Salaried individuals with at least 6 months of total work experience and 3 months with the current employer - CIBIL Score: 675 or above (though loans may be offered to first-time borrowers without a CIBIL record) - Interest Rates: - Range from 16% to 35.99% per annum - Starting interest rate of 15.95% p.a. (as per some sources) - Loan Amount: - Up to ₹10 lakhs - Tenure: - 6 months to 60 months - Processing Fee: - Up to 4% of the loan amount - Prepayment Charges: - 3% to 6% of the outstanding principal amount … Here's an overview of Bajaj Finserv's personal loan policy: Eligibility Criteria: - Age: 21 to 80 years - Employment: Salaried individuals employed with MNCs, public or private companies - Minimum monthly income: ₹25,001 (may vary depending on the city) - Credit score: 685 or higher Loan Features: - Loan Amount: Up to ₹55 lakhs - Interest Rate: 10% to 31% per annum - Tenure: 12 to 96 months - Processing Fee: Up to 3.93% of the loan amount (inclusive of applicable taxes) Fees and Charges: - Prepayment Charges: Up to 4.72% of the outstanding loan amount or principal amount prepaid - Late Payment Charges: Up to 36% per annum per instalment - Flexi Facility Charge: Up to ₹12,999 (depending on the loan amount) - Annual Maintenance Charges: Up to 0.295% of the Dropline … Here's an overview of Piramal Finance's personal loan policy ¹ ² ³: Eligibility Criteria - Age: 21 to 60 years - Income: Minimum ₹25,000 per month for salaried individuals, ₹2 lakhs annual income for self-employed individuals - Employment: Salaried employees, self-employed individuals, pensioners/senior citizens, and women - Credit Score: 750 or above Loan Features - Loan Amount: ₹25,000 to ₹25 lakhs (or up to ₹10 lakhs in some cases) - Interest Rate: Starting at 11.99% per annum, with rates ranging from 12.99% to 31% per annum - Repayment Tenure: Up to 60 months (5 years) - Processing Fee: Up to 5% of the loan amount + applicable taxes Fees and Charges - Part Prepayment/Pre-Closure Charges: Nil or up to 3% of principal outstanding + GST - Late Payment Charges: 2% p… Aditya Birla Capital offers personal loans with attractive interest rates and flexible repayment options. Here's an overview of their personal loan policy ¹ ² ³: Eligibility Criteria: - Age: 21 to 60 years - Employment: Salaried individuals with a steady income - Income: Minimum salary requirements may apply - Credit Score: 750 or higher Loan Features: - Loan Amount: Up to ₹50 lakhs - Interest Rate: Starting from 10% to 10.99% per annum - Tenure: Up to 7 years - Processing Fee: Up to 4% of the loan amount Fees and Charges: - Prepayment Charges: - For Term Loan: Nil if part prepayment is equal to 20% of the total disbursed amount; up to 4% on the remaining loan amount if part prepayment exceeds 20% - No prepayment allowed in the first 12 months - Foreclos… Shriram Finance's personal loan policy ¹ ² ³: Eligibility Criteria - Age: 18-59 years (loan applicant), 21-60 years (as per some sources) - Residency: Indian citizens - Occupation: Salaried individuals, self-employed professionals, and businesses - Income: Based on loan amount and repayment capacity Loan Features - Loan Amount: Up to ₹10 lakhs (or ₹15 lakhs as per some sources) - Interest Rate: Starting from 11% per annum, with rates ranging from 11% to 42% p.a. - Repayment Tenure: 12-60 months (flexible repayment options) - Processing Fee: Up to 5% of the loan amount (or 1% as per some sources) Fees and Charges - Foreclosure Charges: Up to 4% of outstanding amount (after 12 months) - Late Payment Charges: 3% of overdue amount per month (or 36% per annum) - Cheque Bo… Cholamandalam Finance offers personal loans with attractive interest rates and flexible repayment options. Here's an overview of their personal loan policy: Eligibility Criteria: - Age: 21-60 years - Income: Minimum ₹20,000 per month for salaried individuals - Work Experience: 1 year of work experience - Credit Score: 750+ Loan Features: - Loan Amount: Up to ₹35 lakhs - Interest Rate: Starting from 10% p.a. with rates ranging from 10% to 28% p.a. - Repayment Tenure: 12-60 months - Processing Fee: Up to 2% of the loan amount Documents Required: - KYC Documents: Aadhaar card, PAN card, passport-size photo - Income Proof: Last 3 months' salary slip, bank statement - Other Documents: Form 16 of last 2 years, rent agreement or utility bill

Additional Charges: - Prepayment Charges: Up to 4% of outstanding principal - Late Payment Charges: ₹1,000 + applicable taxes - Cheque Bounce Charges: Up to ₹1,000

Credit Saison specializes in digital lending solutions. Interest rates range from 12% to 24% p.a. based on risk assessment. Loan amounts from ₹50,000 to ₹10 lakh.

Instant approval for pre-qualified customers. Flexible EMI options available. No hidden charges. Minimum age 21 years, maximum 60 years at loan maturity. Special programs for startups.

Axis Finance offers personal loans starting from 10.49% p.a. interest rate. Loan amounts range from ₹50,000 to ₹40 lakh with tenure from 12 to 84 months.

Processing fee up to 2% of loan amount plus GST. Part prepayment allowed after 6 EMIs with 2.5% charges. Instant approval for existing customers. Special rates for women entrepreneurs.

L&T Finance provides loans for various needs with interest rates starting from 10.75% p.a. Quick disbursal within 72 hours of document verification.

Loan amounts from ₹1 lakh to ₹25 lakh. Tenure options from 12 to 60 months. Processing fee of 2% plus applicable taxes. No prepayment charges after 12 EMIs. Special agricultural loan schemes available.

24*7 Prime PL Critaria Customer Segment - Salaried Employees working with: - Super A - CAT A, B, C - Govt. PSU (Public Sector Undertakings) and Maharatna companies Eligibility Parameters 1. Salary: ₹30,000 or more 2. Employer's Approved: 37K employers 3. Employee Validation: Mandatory through EPFO or Email OTP (if EPFO fails)

Loan Parameters 1. Loan Amount: - Bureau Base Program: ₹1-4 lakhs - Banking (AA): up to ₹15 lakhs - NTC (Cibil 0/-1) for CAT A employees: up to ₹5 lakhs 2. Age: - ETC (Existing T&C): 23-58 years at loan maturity - NTC (New T&C): 23-43 years at loan maturity 3. Tenure: - ETC: 12-84 months - NTC: 12-36 months

Interest Rate and CIBIL Requirements 1. Current ROI Capping: ≤20% 2. CIBIL Score: - ≥720 for CAT A - ≥740 for CAT B & C

Bureau and CIBIL Norms 1. Minimum Bureau Vintage: ≥6 months 2. Emerging Customers: Bureau vintage <6 months 3. CIBIL TU Score: ≥720 4. Payment History: - No 0+ DPD/SMA in last 6 months - No 30+ DPD in last 12 months - No LSS/DBT/Restructured/Write-off/Settled/Legal/SUB status in last 36 months 5. MFI Restrictions: - No live MFI trades - No MFI loans closed in last 3 years/p> Geo Limit - As per approved pin codes by PFL

24*7 Prime PL Critaria ## Customer Segment - Salaried Employees working with: - Super A - CAT A, B, C - Govt. PSU (Public Sector Undertakings) and Maharatna companies ## Eligibility Parameters 1. Salary: ₹30,000 or more 2. Employer's Approved: 37K employers 3. Employee Validation: Mandatory through EPFO or Email OTP (if EPFO fails) ## Loan Parameters 1. Loan Amount: - Bureau Base Program: ₹1-4 lakhs - Banking (AA): up to ₹15 lakhs - NTC (Cibil 0/-1) for CAT A employees: up to ₹5 lakhs 2. Age: - ETC (Existing T&C): 23-58 years at loan maturity - NTC (New T&C): 23-43 years at loan maturity 3. Tenure: - ETC: 12-84 months - NTC: 12-36 months ## Interest Rate and CIBIL Requirements 1. Current ROI Capping: ≤20% 2. CIBIL Score: - ≥720 for CAT A - ≥740 for CAT B & C ## Bureau and CIBIL Norms 1. Minimum Bureau Vintage: ≥6 months 2. Emerging Customers: Bureau vintage <6 months 3. CIBIL TU Score: ≥720 4. Payment History: - No 0+ DPD/SMA in last 6 months - No 30+ DPD in last 12 months - No LSS/DBT/Restructured/Write-off/Settled/Legal/SUB status in last 36 months 5. MFI Restrictions: - No live MFI trades - No MFI loans closed in last 3 years ## Geo Limit - As per approved pin codes by PFL

Aeon Credit Service offers personal loans with attractive interest rates and flexible repayment options. Here's an overview of their personal loan policy: Eligibility Criteria: - Age: 22 to 58 years for salaried individuals, 22 to 65 years for self-employed individuals - Monthly Income: ₹18,000 and above - Job Condition: Permanent staff with a minimum 6 months of work experience in the current company, or overall 2 years of work experience for salaried/self-employed individuals - Living Area: Rented - minimum 6 months at the current address, Owned House - at least 1 day

Loan Features: - Loan Amount: ₹30,000 to ₹5 lakhs (or up to ₹25 lakhs as per some sources) - Interest Rate: 2.75% per month (monthly reducing balance rate) - Tenure: 6 to 60 months - Processing Fee: ₹1,000 or 1% of the loan amount (whichever is higher) Fees and Charges: - Late Payment Fee: ₹150 - Bounce Fee: ₹500 - Swap Fee: ₹500 - Pick-up Fee: ₹50 - Foreclosure Charges: 0-6 months - 6%, 7-12 months - 4%, 13 months and above - 3.5% Documents Required: - ID Proof: Aadhaar Card, PAN Card, Passport - Address Proof: Passport, utility bills, Aadhaar Card - Income Proof: Savings account bank statement for the past 3 months or salary credit banking for the past 3 months