A Guide On How To Get A finbooster Credit Card From YES BANK 2021.

Finbooster Credit Card

The FinBooster Credit Card is India’s first of its kind, and it’s also the most beneficial credit card. It assists you in developing healthy credit behavior by providing you with frequent credit fitness reports that provide you with information about your financial health. If you want to raise your credit score while still increasing your incentives.

The Finbooster Credit Card Highlights


Monthly credit fitness reports and a real-time dashboard are provided.
On fuel transactions between Rs.400 and Rs.5,000, the fuel levy is waived by 1%.

Finbooster Credit Card Features and Benefits

You’ll receive monthly credit fitness reports, as well as a real-time dashboard to monitor your credit score. Once you’ve completed your first transaction with the FinBooster Credit Card, you’ll be granted access.


You now have access to information that will assist you in raising your credit score.
When you attain an annual spend of Rs.1 lakh in the previous year, the payment for the credit fitness tracker (from the second year onwards) will be canceled.
There is no limit to the number of reward points you may earn, and they never expire.
Spending money on online dining earns you 5x reward points.
Earn 3x reward points when you shop for groceries and clothing online.
Except for gasoline bills, every Rs.200 spent on other retail purchases earns you 2 reward points.
Your reward points can be shared with friends and family.

When you use the FinBooster: YES Bank – BankBazaar Co-branded Credit Card, you’ll earn a 1% discount on the gasoline surcharge. If your transaction is between Rs.400 and Rs.5,000, you will be eligible for this bonus.
You can earn a maximum fuel surcharge waiver of Rs.125 per statement cycle.

Accidental death cover (primary cardholder): Rs.2.5 lakh.

Fees and Charges of the FinBooster

Joining FeeNIL
Annual Membership Fee (First Year & Renewal)NIL
Interest-Free PeriodUp to 50 days

Annual fee + EMI payments (if any) + GST + a minimum of 5% of the total amount due, or Rs.200, is the Minimum Amount Due (MAD) (whichever is higher).
The Total Amount Due (TAD) = Minimum Amount Due (MAD) if the MAD is less than Rs.200 (MAD)

Limit on Cash Advances

Up to 30% of your credit limit

The fee for a Supplementary / Add-on Card is nothing (Maximum up to 3 add-on cards can be issued)

Finance Charges on Revolving Credit 3.50 percent p.m. Finance Charges on Cash 3.50 percent p.m. (42.00 percent Annualized)

Late Payment Charges (LPC) Nil to Rs.1,000 (per statement, based on statement balance) (depending on statement balance)

For instance, the over-limit fee is 2.5 percent of the over-limit amount or Rs.500, whichever is higher.

2.5 percent of the amount withdrawn or Rs.300, whichever is greater, is charged as a cash advance fee.

Petrol surcharge relief across all fuel stations in India (GST on fuel surcharge will not be revoked) 1% surcharge remission on fuel purchases between Rs.400 and Rs.5,000.

The fee for re-issuing a card that has been lost, stolen, or damaged is Rs.100 (per instance)

3.40 percent Foreign Currency Conversion Fees

Statements that are same (Statement older than 6 months)

Each statement costs Rs.100.

Charges for Priority Pass Lounge Access are not applicable.

IRCTC/Indian Railways imposed charges on the purchase or cancellation of railway tickets.

For credit card payback, make a cash deposit of Rs.100 at any YES Bank branch.

TDS is levied on withdrawals of more than Rs.1 crore.

TDS of 2% is applied on aggregate cash withdrawals exceeding Rs.1 Cr from all YBL accounts and cards in a financial year, taking effect from September 1, 2019.

Subscription prices for Credit Fitness Tracker (Credit Strong) for the first year are NIL.

Subscription to Credit Fitness Tracker (Credit Strong) from the second year onwards is Rs.400, which will be waived if you spend $1 lakh or more in the anniversary year*.

18 percent GST (Goods and Services Tax) (Applicable on all fees and charges)

*Terms and Conditions apply

Disclaimer: Trademarks, tradenames, logos, and other intellectual property subject matters displayed on this site are the property of their respective intellectual property owners. The display of such IP along with relevant product information does not imply that we are affiliated with the Intellectual Property owner or the issuer/manufacturer of such products.

How to fill SBI xpress credit loan application form-eligiblity and interest rate 2021

SBI xpress credit loan

SBI Xpress Credit loan is a sort of personal loan offered to salaried individuals by State Bank of India (SBI). This unsecured loan has a low documentation requirement and a speedy disbursement. Personal loans from SBI Xpress Credit loan can be utilised for a variety of purposes, including debt reduction, vacations, weddings, consumer durable purchases, and more. The loan amount available under this personal loan scheme ranges from Rs. 25,000 to Rs. 20 lakh.

SBI Xpress Credit Loan Benefits

The loan amount granted by SBI Xpress Credit Personal Loan starts at Rs. 25,000 and goes up to Rs. 20 lakh.
Tenure that can be changed: The repayment period for an SBI Xpress Credit Personal Loan ranges from 6 months to 6 years, ensuring easy repayment.
Documentation required at a minimum: SBI just requires the bare minimum of documentation to execute your personal loan application, saving you time and effort.
Disbursement in a timely manner: Once your loan is accepted, the bank will promptly deposit the funds into your account.

SBI xpress credit loan

SBI Xpress Credit Interest Rate

For Defence/ Para-Military/ Indian Coast Guard Salary Package Applicants

Term Loan10.85% – 11.35%
Overdraft11.35% – 11.85%

for other applicants

Term Loan10.85% – 12.85%
Overdraft11.35% – 13.85%
Central and State Government, Quasi-Government, Central PSUs, State PSUs, Defence personnel, Educational Institutions of National Repute Employees11.75% – 13.85%
Employees of Co-operatives/Institutions not covered under regular Xpress Credit loan scheme and Unrated Corporates12.50% – 14.10%

Criteria for Eligibility


You must be a salaried employee of the federal, state, or quasi-government, central PSUS and profit-making state PSUS, nationally renowned educational institutions, and select corporations with or without a partnership with the bank.
A minimum monthly income of Rs. 15,000 is required.
After deducting the EMI for the proposed loan, your EMI/NMI ratio should be less than 50%.

Documents required for SBI Xpress Credit Loan

PAN, Aadhaar, Passport, Voter ID Card, Passport, and other documents are required as proof of identity.
Ration card, electric bill, phone bill, rent/purchase agreement, Aadhaar card, PAN card, voter ID card, etc. are all examples of proof of address.
Salary slips, bank account statements, ITRs, and other forms of proof of income are acceptable.

Fees and Other Charges for SBI Xpress Credit Loan

Processing fee1.50% of the loan amount (subject to minimum Rs. 1,000 and maximum Rs. 15,000 plus applicable Tax
Penal interest2% p. m would be charged over and above the applicable interest rate on overdue amount for the period of default.
Prepayment charges3% on prepaid amount. No prepayment/ foreclosure charges if account is closed from the proceeds of a new loan account under same scheme

SBI Customer Care

  • You can call on 1800-112-2111800-425-3800 o080-26599990
  • You can SMS UNHAPPY to 800-8202-020
  • You can write to the bank at Customer Service Department, State Bank of India

Top Mutual Funds For The Long-Term Investor: HDFC Multi Cap Fund

HDFC Multi Cap Fund

The multi-cap fund will be benchmarked against the NIFTY 500 Multicap 50:25:25 Index, which has 50 percent weight to large-caps, and 25 percent each to mid and small-caps. Investors looking for a blended portfolio are better suited to invest in multi-cap funds.

To fill the shortfall in this product area, mutual funds have been creating multicap schemes. Last year, SEBI changed the requirements for multi-cap funds. Multi-cap funds must invest 25% of their assets in mid-cap, small-cap, and large-cap equities, according to SEBI regulations. The remaining 25% may be invested at the discretion of the fund manager.
The multi-cap fund will be measured against the NIFTY 500 Multicap 50:25:25 Index, which gives large-caps 50% of the weight and mid- and small-caps 25% each. Multi-cap funds are better suited to investors seeking a diversified portfolio.

HDFC Multi Cap Fund

HDFC Asset Management Company has introduced the HDFC Multi Cap Fund’s New Fund Offer. The programme will invest a minimum of 25% of its total assets in large, mid, and small cap companies, with the remaining 25% allocated based on the fund manager’s market view.

The stock selection process for the HDFC Multi Cap Fund will be a mix of top down and bottom up. The scheme will invest 60 percent to 75 percent of its total assets in large and mid-cap stocks, according to its present investment strategy. It would also invest 25 percent to 40 percent of its total assets in small-cap stocks. The fund will invest without regard to style, with the goal of capturing opportunities in growth, value, and turnaround businesses.

Gopal Agrawal, who has nearly 19 years of experience in fund management and equity analysis, will oversee the scheme. “We’ve noticed that different market capitalization sectors perform differently at different times. HDFC Multi Cap Fund is a one-stop shop for investors searching for diversified market cap exposure in a disciplined manner through a single fund to obtain higher risk-adjusted returns.

  • A Guide On How To Get A finbooster Credit Card From YES BANK 2021.
    Finbooster Credit Card The FinBooster Credit Card is India’s first of its kind, and it’s also the most beneficial credit card. It assists you in developing healthy credit behavior by providing you with frequent credit fitness reports that provide you with information about your financial health. If you want to raise your credit score while … Continue reading
  • How to fill SBI xpress credit loan application form-eligiblity and interest rate 2021
    SBI xpress credit loan SBI Xpress Credit loan is a sort of personal loan offered to salaried individuals by State Bank of India (SBI). This unsecured loan has a low documentation requirement and a speedy disbursement. Personal loans from SBI Xpress Credit loan can be utilised for a variety of purposes, including debt reduction, vacations, … Continue reading
  • Top Mutual Funds For The Long-Term Investor: HDFC Multi Cap Fund
    HDFC Multi Cap Fund The multi-cap fund will be benchmarked against the NIFTY 500 Multicap 50:25:25 Index, which has 50 percent weight to large-caps, and 25 percent each to mid and small-caps. Investors looking for a blended portfolio are better suited to invest in multi-cap funds. To fill the shortfall in this product area, mutual … Continue reading
  • Buy health insurance for children-important points to be noted
    Buy health insurance Buy health insurance -Parents are continually concerned about their children’s well-being and safety until they are capable of making their own decisions. Purchasing proper health insurance for children might assist in keeping them healthy. It can also be an important part of children’s financial planning. Purchasing a good health insurance plan, on … Continue reading
  • PNB housing finance-PNB housing loan interest rate 2021
    PNB housing finance PNB housing finance – Depending on the sort of work and credit score, PNB Housing Finance offers house loans with interest rates starting at 7.20 percent per annum. Loans of up to 90% of the property’s cost can be obtained for a maximum payback period of 30 years. A processing fee of … Continue reading

Buy health insurance for children-important points to be noted

Buy health insurance

Buy health insurance -Parents are continually concerned about their children’s well-being and safety until they are capable of making their own decisions. Purchasing proper health insurance for children might assist in keeping them healthy. It can also be an important part of children’s financial planning. Purchasing a good health insurance plan, on the other hand, can be difficult.

Photo by Olya Kobruseva on Pexels.com

There are numerous plans to choose from. It is, however, difficult to determine which plan will best meet your needs. Especially when it comes to purchasing a health insurance plan for children. As a result, we’ll look at some of the most important factors to consider when purchasing health insurance for children:

Experts recommend that parents review the basics of health insurance Network hospitals available in their area for any kind of emergency as a first step before purchasing a health plan. Because children are prone to accidents at school or at play, the health insurance company’s cashless care given in their network hospitals must be easily accessible.
The sum insured should be sufficient to cover a child’s and their parents’ routine medical expenses. It is critical to obtain an insurance with sufficient coverage to cover any healthcare costs incurred as a result of accidents or infections.

Many individuals feel that health insurance is only for the elderly, who are prone to illness. Children, on the other hand, are as (and sometimes even more) susceptible to illness. Children require specific attention from birth to adolescence. And, given the rising expense of medical treatment, it is only logical that they invest in a comprehensive health-care plan for children.

There are no health insurance that specifically cover children. So, if you want to acquire complete healthcare for your youngster, a family floater health insurance plan is a good option. Your child will be protected for the maximum sum insured if you have a family floater insurance.

It only makes sense to protect your child’s health with a suitable health insurance policy in today’s era of pollution and lifestyle diseases. Plan ahead and be prepared to combat rising health-care costs.

Disclaimer:The preceding information is provided solely for the purpose of illustration.

PNB housing finance-PNB housing loan interest rate 2021

PNB housing finance

PNB housing finance – Depending on the sort of work and credit score, PNB Housing Finance offers house loans with interest rates starting at 7.20 percent per annum. Loans of up to 90% of the property’s cost can be obtained for a maximum payback period of 30 years. A processing fee of up to 0.50 percent of the loan amount (plus taxes) is imposed, with a minimum price of Rs.10,000.

PNB housing Loan Details

Interest Rate7.20% p.a. onwards
Loan AmountMinimum: NA, Maximum: 90% of property cost
Processing Fees0.25% – 0.50% of the loan applied for + Applicable Taxes (min 10000)
Penal Interest Rate2% per month on dues
Prepayment/Foreclosure ChargesNIL for floating-rate packages
2% to 3% for fixed-rate and non-individuals
Max Tenure30 Years
Rate Packages AvailableFloating Rate

Punjab National Bank has a branch called PNB Housing Finance. The bank has a large customer base and offers a variety of home loan options to the general public, private builders, government personnel, and others.

The following are the advantages and benefits of the PNB Housing Finance loans:

Interest rates as low as 7.20 percent per annum are available.
The PNBHFR is a floating rate of interest that is linked to the benchmark rate. When opposed to fixed-rate loans, this gives you the advantage of lower interest rates. You will save more money in the long run as a result of this.
PNB has partnered with well-known insurance organizations to ensure your loan repayments. This protects you financially in the event of unforeseen circumstances that may prevent you from repaying your loan.
The loan is disbursed quickly and without difficulty thanks to doorstep services.

PNB Housing Finance Loan Schemes

Home Purchase Loan: This loan is used to buy a home in India.

Home Improvement Loan: This loan covers the renovation, upgrade, or repair of an already purchased home, including flooring, water-proofing, false ceilings, woodwork, tiling, plumbing, and electrical work.

Home Extension Loan: This loan can be used to expand your home to accommodate a growing family by adding an extra room or area.

Home Construction Loan: This will offer the funds needed to build a residential property on one’s own, particularly for people who already own land and want to build a home on it.

Residential Plot Loan: This is for buying a residential plot in order to build a house in a city.

Home loan for NRIs and PIOs: Home loan options for NRIs and PIOs can be used to buy or build a new home. It can also be used to renovate and repair residential homes in India, but only in India.

Unnati Home Loans: With a maximum loan amount of up to Rs.25 lakh (subject to 90 percent of the property’s market value), these loans offer a simpler and streamlined loan disbursal process. The interest rates start at 10.75 percent and go up from there.

Documents Required for Salaried Individuals

Eligibility ProofDocuments Required
Proof of residenceTelephone bill/election card/ration card/driving license/passport/any relevant certificate from a Statutory Authority
Proof of agePassport/PAN card/any relevant certificate from a Statutory Authority
Proof of educational qualificationsLatest degree certificate
Proof of incomeMost recent salary slips of 3 months bank statements from salary account of the last 6 monthsForm 16

Documents Required for Professionals/Self-Employed Individuals

Eligibility ProofDocuments Required
Proof of residenceTelephone bill/election card/ration card/driving license/passport/any relevant certificate from a Statutory Authority
Proof of agePassport/PAN card/any relevant certificate from a Statutory Authority
Proof of educational qualificationsLatest degree certificate (for professionals)

Proof of income
Returns on income from the previous three years. A Chartered Accountant will audit and certify the balance sheets and profit and loss account.
Bank statements from the previous year
Profile of a company
Certificate and Proof of business existence

Additional Requirements:
A completed application form with a photograph is required.
A photocopy of the approved plan or the deeds to the property.
Make a check payable to ‘PNB Housing Finance Ltd.’ for the processing fee.

Contact Number: 1800 120 8800

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Trademarks, tradenames, logos, and other intellectual property subject matters displayed on this site are the property of their respective intellectual property owners

Union Bank of India-UBI home loan interest rate 2021

Union Bank of India home loan

Union Bank of India offers house loans with rates as low as 6.80 percent per annum. The good news is that if you decide to foreclose on the loan, you won’t have to pay any prepayment penalties (only for floating-rate loans). The processing cost is 0.5 percent of the amount sanctioned, plus GST.

Union Bank of India gives prospective homeowners loans with interest rates as low as 6.80 percent per annum. Longer repayment periods of up to 30 years, along with EMIs as low as Rs.652 per lakh, allow for a more flexible repayment schedule. You can also get a loan for house repairs of up to Rs.30 lakh. On adjustable-rate loans, the bank additionally waives the prepayment penalty completely.

Union Bank of India Home Loan Details

Interest rate6.80% – 7.40% p.a.
Current EBLR6.80% p.a.
Processing Fees0.50% of the loan amount
Max Repayment Tenure30 years

Union Bank of India Home Loan Schemes

Union Home
It’s possible to apply for a single or joint application, even if you have siblings.
There are a number of convenient ways to make payments.
Purchase of property in India is also possible for non-resident Indians.

Union Awas

Individuals with a minimum annual income of Rs.48,000 are eligible.
Specially designed for the purchase or building of houses, with a maximum loan amount of Rs.10 lakh in semi-urban areas and Rs.7 lakh in rural areas.
Can be used for the purchase or construction of a home, as well as repairs, improvements, and extensions to an existing home.

Union Smart Save

Allows borrowers to make additional deposits in addition to their normal EMIs.
In the event that you make additional deposits, you will save money on interest payments.
Possibility of withdrawing extra cash for personal use later

Document Required

Identity Verification 
Aadhaar Card, Voter ID, Valid Passport, Driving License, PAN Card

Proof of Address
Passport and driver’s license
Utility Bills Copies (electricity bill, telephone bill)
Voter ID using Aadhaar Card

Bank account statements for the previous 12 months as proof of income
For the previous year’s tax return

Property DocumentsTitle Deed, Allotment letter, Advance money receipt

Other Documents

If you have any outstanding loans, you must provide proof of repayment.
Check made out to the bank for the processing charge
3 passport-sized pictures and a fully completed loan application form

Toll-Free numbers: 1800 22 22 44/1800 208 2244

Disclaimer
Trademarks, tradenames, logos, and other intellectual property subject matters displayed on this site are the property of their respective intellectual property owners.

HDFC home loan-HDFC home loan interest rate 2021

HDFC home loan

HDFC home loan offers eligible consumers low-cost home loans with interest rates starting at 6.70 percent per annum. For loans of up to 30 years, the EMI starts at Rs. 646* per lakh. For employed individuals, the processing cost will be Rs.3,000 (plus applicable taxes), whereas, for self-employed individuals, the fee would be Rs.5,000 (plus applicable taxes).

HDFC home loan Detail

Interest Rate6.70% p.a. onwards*
RPLR16.05%
Loan AmountBased on customer profile
Processing Fees0.5% – 1.5%
Penal Interest RateUp to 24% p.a.
Prepayment/Foreclosure Charges0% – 2%
Max Tenure30 Years

Eligibility Criteria for HDFC Ltd. Home Loans
A customer’s eligibility for an HDFC Ltd. Home Loan is determined mostly by their income and ability to repay the loan. HDFC Ltd. considers a variety of other parameters, including the applicant’s age, credit score, and credit history, among others. The following are the essential eligibility requirements:

ParticularsSalaried IndividualsSelf-Employed Individuals
Age21 years to 65 years21 years to 65 years
Minimum IncomeRs.10,000 p.m.Rs.2 lakh p.a.
NationalityResident IndianResident Indian

HDFC Home Loan Schemes

Home Loans from HDFC
Interest concessions for women applicants when acquiring an apartment, bungalow, row house, or other property from Development Authorities
Loans are exclusively available to resident Indians, and they can finance up to 90% of the entire property cost.

Plot Loan from HDFC
Direct allotment loans for the acquisition of a plot There are no hidden fees.
Repayment options that are tailored to you
Legal and technical advice from experts
Loans are also available to buy a resale plot.

Rural Housing Loan from HDFC
Rates start at 6.95 percent p.a. and go up from there.
Agriculturists, planters, horticulturists, and dairy farmers will benefit from it. Farmers interested in buying a home in both rural and urban regions
IT Returns are not necessary for agriculturists asking for a loan.
Agriculturists get a longer payback period of up to 20 years.

HDFC Reach Home Loan

for the purchase of a new or existing home
Loans for salaried people with a monthly salary of Rs.10,000 and self-employed people with a yearly income of Rs.2 lakh.
A loan can be utilized to buy a parcel of land.
Use this loan to build your home on a parcel of land or on free-hold land.

Home Improvement Loan from HDFC
A home renovation loan is a loan that is specifically designed to help you renovate your home.
New and existing customers can apply for loans.
The process of documentation is simple and painless.
Interest rates are comparable to those of a typical house loan.

HDFC Home Extension Loans

are available to help you expand or add space to your home.
A maximum of 20 years can be served.
Women’s applications are eligible for a lower interest rate.

HDFC Top Up Loans

Loans for both professional and personal purposes are available.
A maximum loan of R.50 lakh is available.
Only 12 months following the final disbursement of your existing home loan and upon ownership or completion of the existing financed property are you eligible to apply?

Transfer Loans from HDFC Balance
Conveniently transfer your existing loan to HDFC.
Additional top-up loan of up to Rs.50 lakh Special AGIF arrangement for home loans for Indian Army personnel
Repayment options that are tailored to you

NRI Home Loans from HDFC
NRI home loans are available for the purchase of an apartment, row house, or bungalow from private developers in India’s approved projects.
Loans are available for the purchase of a property in any part of India.
Get home loan advice in the country where you now live.
Loans from India’s Development Authorities for the purchase of the real estate

HDFC home loan Documents Required

Individuals with a Salary:
Proof of income
Salary slips from the previous three months
Bank statements from the previous six months
The most recent Form 16 and IT returns

Additional docs
Information about your job
Proof of personal involvement
Bank statement over the previous six months to see whether there are any other loans.
Passport-size photo of you and your co-applicant with signature
HDFC Ltd will receive a check for the processing fee.

Self-Employed Individuals
Income Tax Returns includes details of your businesses and income for the previous three years (attested by a chartered accountant)
Last three years’ balance sheet and profit and loss account statements
Statements of your business’s current and savings accounts over the previous six years

Additional docs
AS 26 Business Profile Form (latest)
Proof of personal involvement
Deed of Partnership (if applicable)
Details about your and your company’s current loans (if any)
Passport-size photo of you and your co-applicant with signature
The company’s Board of Directors and Shareholders, together with their shareholdings, are listed below.
HDFC Ltd will receive a check for the processing fee.

Toll-Free Number1800 258 38 38 and 1800 22 40 60

Disclaimer

Trademarks, tradenames, logos, and other intellectual property subject matters displayed on this site are the property of their respective intellectual property owners. The display of such IP together with product information does not imply a relationship with the Intellectual Property owner or the issuer/manufacturer of such products.

SBI home loan interest rate 2021-SBI loan full scheme

SBI home loan

SBI home loan with competitive interest rates starting at 6.80 percent per annum. SBI is giving a 70 basis point interest rate reduction, with rates starting at 6.70 percent pa. and no processing fee. This offer is good until March 31, 2021. The loan term can be extended up to 30 years, allowing for a more convenient repayment schedule. These loans have a processing fee of 0.35 percent of the loan amount (minimum Rs.2,000, maximum Rs.10,000) + applicable taxes. On SBI Home Loans, women borrowers get a 0.05 percent interest rate reduction. They are one of the most popular housing loan solutions in the country since there are no hidden fees and no prepayment penalties.

SBI Home Loan Details

Interest Rate6.80% p.a. – 7.50% p.a.
EBR6.65%
Loan AmountBased on eligibility
Processing Fees0.35% – 1% of loan amount
Prepayment/Foreclosure ChargesNil
Max Tenure30 Years
Rate Packages AvailableFloating

State Bank of India has decreased the interest rates on its credit-linked home loans as part of its festive season offer. The interest rate on the seasonal offer is 6.70 percent per annum. These interest rates will remain in force until December 31, 2021.

The interest rate on the seasonal offer is 6.70 percent per annum. This is true regardless of the size of the mortgage. This interest rate also applies to house loans with a balance transfer. This is an approximately 45-basis-point drop from the previous interest rate. For a home loan of Rs.75 lakh, this corresponds to a savings of almost Rs.8 lakh over the course of 30 years.

Individuals with a credit score above 800 will receive a 6.70 percent p.a. interest rate, those with a credit score between 751 and 800 will receive a 6.80 percent p.a. interest rate, and those with a credit score between 700 and 750 will receive a 6.90 percent p.a. interest rate, according to the credit-score linked interest rate for home loans above Rs.30 lakh.

For home loans under Rs.30 lakh, those with a credit score of 800 or higher will receive a 6.70 percent annual interest rate, while those with a credit score of less than 800 will continue to pay the current interest rates.

Schemes for SBI Home Loan


Regular Home Loan from SBI
Interest rate: 6.80% p.a. and upwards
0.35 percent of the loan amount is charged as a processing fee (min. Rs.2,000; max. Rs.10,000)
Women have a 0.05 percent lower interest rate.
Prepayments are free of charge.
Applicants must be between the ages of 18 and 70.

Home Loan from SBI Flexipay
The interest
rate is determined by the customer’s credit score. Processing charge is 0.35 percent of the loan amount (min. Rs.2,000; max. Rs.10,000)
During the pre-EMI period, you have the option of only repaying the interest component.
In the coming years, EMIs will be increased.
Home loan eligibility for younger professionals has improved by 20%.

Home Loan from SBI Privilege
From 6.95 percent p.a. onwards, interest rate with check-off
From 7.00 percent p.a. onwards, interest rate without check-off
The fee for processing is completely eliminated.
Curated for employees of the federal and state governments
If you check off, you get a discount on your interest rates.
There is no processing cost.

Home Loan from SBI Shaurya
From 6.95 percent p.a. onwards, interest rate with check-off
From 7.00 percent p.a. onwards, interest rate without check-off
The fee for processing is completely eliminated.
Designed specifically for Defense and Armed Forces people.
Lower loan rates and longer-term choices are available.
There is no processing cost.

SBI Tribal Plus
The interest
rate is 10 basis points higher than the final rate.
0.35 percent of the loan amount is charged as a processing fee (min. Rs.2,000; max. Rs.10,000)
Especially for those who live in tribal or hilly areas.
A maximum 15-year repayment period is available.
A land mortgage is not required, and a third-party guarantor is permitted.

Differential offers from SBI Home Loan to Non-Salaried Individuals
Male interest rate: 7.15 percent and above
F
emale interest rate: 7.10 percent and above
0.35 percent of the loan amount is charged as a processing fee (min. Rs.2,000; max. Rs.10,000)
Individuals who have a source of income but do not get a monthly wage are eligible for this special program.
Special offers on loans for purchasing a new home, building a home, upgrading or repairing your home, or transferring a loan from another bank.
Available to business owners, partners, and directors as well.

Pre-Approved Home Loan from SBI (PAL)
Interest rate (for salaried males): 7% and up
Rate of interest (for salaried females): 6.95 percent and up
Rate of interest (non-salaried male): 7.15 percent and up
Rate of interest (non-salaried female): 7.10 percent and up
0.35 percent of the loan amount is charged as a processing fee (min. Rs.2,000; max. Rs.10,000)
Before a home is completed, a loan is approved.
Increases your bargaining power with the seller or function Object
Benefits comparable to those offered by SBI’s regular home loan

The interest rate on an SBI Bridge Home Loan (for the first year): 9.50 percent
Interest rate (for the second year): 10.50%
0.35 percent of the loan amount is charged as a processing fee (min. Rs.5,000)
Designed for persons who are selling one home and purchasing another. It can help cover the cost of a new home while you wait for the proceeds from the sale of your old one.
A two-year repayment period is possible.

Earnest Money Deposit with SBI (EMD)
Rate of interest: 10.45%
0.5 percent of the loan amount is charged as a processing fee (min. Rs.1,000)
Money to pay a deposit on a house or a parcel of land.
Can only be used to pay the reservation fee for houses/plots offered by urban development authorities, housing boards, and other government agencies.
1-year
short-term loans

NRI Home Loan from SBI
Interest rate (for salaried males): 7% and up
Rate of interest (for salaried females): 6.95 percent and up
Rate of interest (non-salaried male): 7.15 percent and up
Rate of interest (non-salaried female): 7.10 percent and up
0.35 percent of the loan amount is charged as a processing fee (min. Rs.2,000; max. Rs.10,000)
For Non-Resident Indians (NRIs) looking to buy a home in India.
For female candidates, there is a discount on the interest rate.
When compared to a regular home loan, there are no additional costs or interest rates.

Home Loan from SBI Realty
Male interest rate ranges from 7.70 to 7.90 percent.
Female interest rate: 7.65 percent to 7.85 percent
0.35 percent of the loan amount is charged as a processing fee (min. Rs.2,000; max. Rs.10,000)
Designed for the purchase of a plot of land on which to build your own home.
A maximum borrowing capacity of Rs.15 crore is available, with payback terms of up to ten years.
Taking a second SBI home loan for the actual construction is an option.

Processing fee for SBI Corporate Home Loans: 0.5 percent of the loan amount (min. Rs.50,000; max. Rs.10 lakh)
Only for corporations to build or purchase homes for their employees.
Both public limited and private companies can use it.
Balance transfers of housing loans from one bank to another in the name of a firm are also possible.

Home Loan for Commercial Real Estate (CRE) from SBI
The interest
rate is 50 basis points more than the interest rate on a home loan (For All)
0.35 percent of the loan amount is charged as a processing fee (min. Rs.5,000)
People who already own two or more homes and want to acquire more are eligible for a special scheme.
This strategy allows for the purchase of a maximum of three residences.
Benefits include a cheaper interest rate for women and the availability of an overdraft facility.

Loan Against Property from SBI (P-LAP)
Rate of interest (for salaried individuals): 8.90%–9.40%
Interest rate (above 50% of net monthly income from professional, company, or rental income): 8.80% – 9.65%
1% of the loan amount is charged as a processing fee (max. Rs.50,000)
To get money for personal reasons, put your property up as collateral.
There is no charge for making a deposit.
It is only available for personal use, not for business.

The interest rate for SBI Reverse Mortgage Loans for SBI Pensioners: 8.05 percent
9.05 percent interest rate (others)
0.50 percent of the loan amount is charged as a processing fee (min. Rs.2,000; max. Rs.20,000)
Designed specifically for senior citizens who own or live in a home.
After you retire, it can help you produce or supplement your income.
The loan does not have to be repaid throughout the borrower’s life.

Eligibility Criteria for SBI Home Loans
The following are the loan eligibility criteria for SBI house loans:

Age Requirement: Minimum age is 18; maximum age is 70.
Indians who are both residents and non-residents

Documents required for an SBI home loan application are the same for everyone:

Completed loan application form
three passport-style photos
Proof of Address (one): A recent utility bill or a copy of your Aadhaar card, driver’s license, or passport is required. One proof of identity: A voter ID card, a PAN, a driver’s license, or a passport are all acceptable forms of identification.
Identity card for the employer

For a salaried applicant, guarantor, or co-applicant, proof of income is required.

Salary certificate or three months
a copy of the past two years’ IT returns or a copy of the previous two years’ Form 16

Non-salaried applicant/guarantor/co-applicant proof of income:

Returns on IT investments during the last three years
The past three years’ balance sheet
Accounts of Profit and Loss for the last three years
a copy of your business license or a similar document
If applicable, use Form 16A or a TDS certificate.
Professionals should read: Qualification certificate
Proof of business location

Statement of Accounts:

Bank account statements for all bank accounts held by the applicant for the last six months Loan account statement for the preceding year if another loan is currently active

Papers related to property 

a copy of the blueprint that was authorized
Certificate of Occupancy (for the ready-to-move property)
Deed of Conveyance (For New Property)
Construction permission (where applicable)
Maintenance bill Electricity bill Property tax receipt Stamped Agreement for Sale or Allotment Letter
Approved Plan Copies (Xerox Blueprints) & the Builder’s Registered Development Agreement, Conveyance Deed (For New Property)
Payment receipts or bank account statements for payments to the seller or builder

SBI Home Loan Customer Care : Toll-free number: 1800-11-2018

Ayushman Bharat Yojana-All About Ayushman Bharat Yojana

Ayushman Bharat Yojana

Ayushman Bharat Yojana: Ayushman Bharat Pradhan (Ayushman Bharat Pradhan) is a government- Mantri Jan Arogya Yojana (abbreviated as AB PM-JAY; also known as Ayushman Bharat National Health Protection Scheme abbreviated as NHPS) is a national public health insurance fund of the Government of India that intends to give free access to health insurance coverage to low-income earners in the country. This program benefits around half of the country’s population. People who participate in the program have access to primary care services from a family doctor. PM-JAY provides free secondary health care for people who require expert therapy and tertiary health care for those who require the most advanced treatment.

The program is part of the Indian government’s National Health Policy. The Ministry of Health and Family Welfare introduced it in September 2018. The National Health Authority was eventually established by that ministry to handle the program. It is a federally sponsored program that is supported equally by the federal government and the states. It is the world’s largest government-sponsored healthcare program, serving 50 crores (500 million) people. Because the program’s customers are low-income Indians, it is a means-tested program.

PM-JAY has the following features: providing health coverage for 10 crore households or 50 crores Indians providing a cover of 5 lakh per family per year for medical treatment in empaneled hospitals, both public and private; offering cashless payment and paperless recordkeeping through the hospital or doctor’s office determining eligibility for benefits using criteria from 2011 Socio-Economic and Caste Census. There are no restrictions on family size, age, or gender.

It covers 3 days of pre-hospitalization and 15 days of post-hospitalization, including diagnostic care and medication costs; it is portable, so a beneficiary can receive medical treatment at any PM-JAY impaneled hospital outside their state and anywhere in the country, and it provides free COVID-19 testing.

The Ayushman Bharat Yojana is divided into two parts:

  • Health and Wellness Centres
  • Pradhan Mantri Jan Arogya Yojana (PMJAY)

Centers for Health and Wellness:

In February of 2018, the Indian government converted existing sub-centers and primary health centers into Health and Wellness Centres. The main goal is to make healthcare more accessible and affordable to the poor. The providing of maternal and childcare services, as well as free diagnostic tests and critical medications, is the main focus of these centers.

PMJAY (Pradhan Mantri Jan Arogya Yojana):

Shri Narendra Modi Pradhan Mantri Jan Arogya Yojana or PMJAY, which was launched on September 23rd by our Honourable Prime Minister, is the second component of the Ayushman Bharat scheme.

What are the advantages of the PMJAY scheme?

The PMJAY program covers up to 3 days of pre-hospitalization fees and up to 15 days of post-hospitalization expenses, including diagnostics and pharmaceutical costs.

There are no limitations based on family size, age, or gender.

From the start, you’ll be covered for any pre-existing conditions. There is no waiting period.

There is also support for daycare costs.

Those who enlist in the scheme will have access to cashless health insurance as well as a paperless option.

The PMJAY facilities are accessible throughout the country.

Ayushman Bharat Yojana Eligibility in Rural Areas

Families have no male members between the ages of 16 and 59.

Families without any adult in the age range of 16 to 59 years.

No able-bodied adult members in a family with a disabled member.

Households from Scheduled Caste and Scheduled Tribe communities.

Landless families rely on physical labor for the majority of their income.

Families crammed into a single room with makeshift walls and roofs.

Working as manual scavengers as a family.

Families who do not have a home.

Ayushman Bharat Yojana Eligibility in the City

The Ayushman Bharat scheme will assist the following categories of persons in urban areas, with a 5 lakh insurance cover per family:

Pickers of Rags

Beggars

Domestic Employees

On the pavements, there are street merchants, cobblers, hawkers, and other people who provide services.

Workers in the construction industry, plumbers, laborers, painters, welders, and security guards

Cleaners and sweeping crews

Drivers, conductors, helpers, cart or rickshaw pullers, and head load employees are examples of those that provide transportation services.

Artisans, such as tailors and handcraft makers, operate from home.

Shop employees, small-business helpers or peons, delivery guys, and waiters.

Chowkidars or washermen.

Who is exempt from the Ayushman Bharat Yojana under the PMJAY?

PMJAY is not applicable to the following persons or households:
Any household that falls into this bracket and is required to pay income taxes or professional taxes.
Those families have a member who works for the government.
Those who work in non-agricultural businesses must register with the government.
Any family member who earns more than Rs 10,000 per month.
Those holding Kisan Cards with a credit limit of 50,000 rupees.
Individuals that own a two-wheeler, three-wheeler, or four-wheeler, as well as a motorized fishing boat.
Refrigerators and landline phones are found in households.
Those who have irrigation equipment and possess more than 2.5 acres of land.

How can I register for the Ayushman Bharat Scheme?

Go to the Pradhan Mantri’s official website. Jan Arogya Yojana (Jan Arogya Yojana) is a government-sponsored

Select ‘Am I Eligible?’ from the drop-down menu.

After that, click ‘Generate OTP’ and enter your mobile number and security captcha.

Select your state and then search by name, HHD number, ration card number, or mobile number.

Ujjivan bank loan-instant Bank Personal Loan 2021

Ujjivan bank loan

Ujjivan bank loan-Personal loans are available from Ujjivan bank loan to help you meet your financial obligations. You can get a loan for a sum ranging from Rs.50,000 to Rs.1.5 lakh at a low-interest rate. The repayment period varies from one to five years. The interest rate charged by the lender is determined by several factors, including the loan amount, payback term, and credit score.

Loan amount – When a borrower applies for a personal loan from this bank, he or she will be able to acquire an amount ranging from Rs.50,000 to Rs.15 lakh, depending on his or her eligibility.
Loan payback period – The repayment period for Ujjivan Personal Loans might range from 12 to 60 months, depending on the applicant’s financial capacity.

Benefits of Ujjivan bank loan

Attractive interest rates – The bank determines the suitable rate of interest for an individual based on numerous criteria such as income, age, type of employment, loan amount, and so on. Customers who take out a personal loan from the bank can take advantage of low-interest rates to assist them to meet their financial obligations.

Flexible repayment choices – This loan can be repaid in a variety of ways, including through easy equated monthly installments (EMIs). The consumer who applies for this loan will have the option of choosing the repayment option that is most convenient for him or her.

No collateral is required – If you apply for this personal loan, you will not be required to offer any type of collateral.


Quick approvals – If you apply for a personal loan with Ujjivan Small Finance Bank, your loan application will be granted in as little as three working days from the time it is submitted.

Insurance coverage – Customers who apply for a personal loan can additionally get a loan protection insurance plan from the bank.

Eligibility Criteria for Ujjivan bank loan

The applicant should be employed and have a steady source of income.
The borrower must be at least 22 years old and no older than 58 years old to qualify for the loan.
The individual’s net monthly compensation should be equal to or greater than the state’s minimum wage level.

Documents Required to Apply for Ujjivan bank loan

An aadhaar card is a unique identification number issued by the government of India.
Proof of address, such as a driver’s license, an Aadhaar card, a passport, or a voter’s ID, is required.
Pay stubs from the past three months
Bank statements for the preceding six months from a salary bank account or a major active bank account

Home credit personal loan-Interest Rate 13% to 30% p.a-instant loan

Home credit personal loan

Home credit personal loan-Home credit loans give you quick and easy access to finances. They are useful when you need money to meet specific financial obligations. You can get a loan of up to Rs. 2 lakh with low interest rates. The loan’s interest rate ranges from 13 percent to 30 percent, depending on the payback period. You have four years to repay the loan.

Home credit personal loan details

Interest RateProcessing FeeMax Tenure
13% to 30% p.a.Zero Processing FeeUp to 48 months

Home Credit loans provide quick, simple, and safe access to finances. All you have to do is register online using your phone number and email address, or download the app and fill out the application form to receive immediate approval.

Home Credit Cash Loans: Features and Advantages


See the list below for a list of essential characteristics and benefits of Home Credit Cash Loans to see if this scheme is perfect for you based on your personal requirement, unique scenario, and repayment capacity.

Digital loan applications – Under this financing arrangement, all loan applications are processed digitally. As a result, you can rest confident that you will not have to wait in long lines to obtain the dollars you desire. You can apply for this plan at any time of day, from the comfort of your own home.

Loan amount – Customers can withdraw a loan up to Rs.2 lakh by requesting a credit advance under this scheme, which can be returned in a short period of time.
Instant loan acceptance – When a person asks for a cash loan through Home Credit, the loan application is accepted practically immediately. This is due to the fact that the full loan application procedure is completed online, which allows for faster loan processing and approval than any other way.

Easy and hassle-free application process – The company ensures that the loan application procedure for these loans is not only straightforward but also hassle-free, by providing a user-friendly platform to apply for the loans.


Quick disbursement of funds – With online loan applications and instant loan approval, the loan money can be disbursed to the borrower’s bank account in no time. As a result, a person who applies for a loan under this scheme will be able to get immediate cash to deal with an emergency financial issue.

Customers do not have to provide any physical documents for the verification process because Home Credit Cash Loans uses an online application approach. Instead, individuals can simply provide digital copies of all essential documents when applying for a loan online.


Multiple repayment alternatives – This company provides a number of options for repaying this loan. Customers can choose an option that suits them best and repay the loan in equal monthly payments. Borrowers can pay their equated monthly installments (EMIs) using a variety of online payment options, including a payment gateway.

Individuals will also be able to choose a repayment schedule that is convenient for them. This will help them avoid defaulting on their loan repayment.
No collateral is required – Because this is an unsecured loan, the borrower is not required to offer any collateral or a third-party guarantor as security to secure the funds he or she requires under this financing plan.

Loan open to all borrowers – The borrower does not have to be a current customer of the company to be eligible for this loan. This program is open to all types of clients, both new and old.

Eligibility Criteria for Home Credit Personal Loan

The applicant should be at least 19 years old.
The customer must be an Indian national.
The borrower must have a current Aadhaar card.
The customer must have an active bank account with access to internet banking.

Documents Required for Home Credit Personal Loan

PAN (Personal Identification Number) card
An aadhaar card is a unique identification number issued by the government of India.
Passports, voter identification cards, driver’s licenses, and Aadhaar cards are examples of proof of identity.
Photographs the size of a passport
Details of the borrower’s bank account
The applicant’s monthly income must be at least Rs.15,000.

Apply for a Cash Loan From Home Credit

  • Go to https://www.homecredit.co.in/online-loan/#/home/main to access Home Credit’s official website.
  • Fill in your name and phone number, then click ‘Apply Now.’
  • The loan application will open in a new window.
  • Next, on the website, click the ‘Want to Apply’ button.
  • A tiny form will appear, asking for your name, email address, and phone number.
  • Complete the form to the best of your ability and click ‘Continue.’
  • Once Home Credit gets your request form, a representative from the organisation will contact you with a customised estimate.
  • After that, you can choose the best plan and submit your loan application.

The funds will be sent to your bank account as soon as your loan is approved.

Home Credit Cash Loans Customer Care

Phone Number91 – 124 – 662 – 8811/+91 – 124 – 662 – 8888
Official Mail Idcare@homecredit.co.in
onlineloan@homecredit.co.in

What is the procedure for applying for a Home Credit Cash Loan?
You can apply for a home credit cash loan by going to the Home Credit website or using the Home Credit mobile app.

You can repay your loan online, through the Home Credit mobile app, or in person at your local Home Credit location. To pay your loan by bill, you can go to the local Axis Bank, ICICI Bank, India Post, or Vodafone Stores branch. You can also use Paytm, PayU, or Vodafone MPesa to make a payment. You can use your credit card, debit card, UPI, net banking, or e-wallets to make a payment.

Fullerton personal loan-Interest Rates 11.99 percent to 25% per year

Fullerton personal loan

Fullerton personal loan are practical solutions for your immediate financial needs, with interest rates starting at just 11.99 percent. The loan can be taken out for a period of one to five years, and the highest amount you can borrow is Rs.25 lakh.

When you apply for a personal loan from Fullerton, you won’t have to wait months for the loan to be authorized. The company provides perks such as rapid eligibility checks, instant online approval, and speedy disbursement of funds.

Interest Rates (Monthly Reducing Balance): 11.99 percent to 25% per year
Fees for processing range from 3% to 6%.
Loan terms range from one to five years.

Charges Associated with the Closure Prior to the Closure


Within 6 months of the date of the agreement – this is not permitted.
7 percent of the outstanding principal amount for 7 to 17 months from the date of the agreement
5% of the outstanding principal amount for 18 to 23 months from the date of the agreement
3 percent of the outstanding principal amount for 24 to 35 months from the date of the agreement
After 3 years from the date of the agreement, there are no pre-closure fees to pay.

Guarantor RequirementNo guarantor required

Eligibility Criteria for Fullerton Personal Loans


Personal loans are available from Fullerton India for both salaried and self-employed individuals. A Fullerton India personal loan is available to salaried individuals having a fixed monthly salary of at least Rs.15,000 per month. The minimal monthly income requirement for a Fullerton India personal loan is Rs.20,000 for self-employed persons (including professionals and non-professionals).

The firm also mentions a criterion based on the candidates’ ages. The minimum age to apply for a Fullerton Personal Loan is 21 years old, with a maximum age of 60 years old. This means that if you are 58 years old and apply for a Fullerton India Personal Loan, the loan will be approved for a maximum of 2 years (i.e., till you reach 60 years of age).

ParticularsSalariedSelf-Employed/ Working Professionals
Age21- 65 years21-60 years
Minimum IncomeRs.12,500 and aboveRs.15,000 and above
Total Experience in Job/Profession3 years2 years
Current Experience6 months and above
Years of Stay in Current Residence1 year1 year

Fullerton Personal Loan Benefits
Low-interest
rates, minimum documentation, and speedy approval are among the benefits and features offered by Fullerton India for its personal loans. Here are some of the primary characteristics of a Fullerton India personal loan that make it the finest choice:

Quick Loan Approval: When compared to other non-banking financial businesses, Fullerton India has one of the fastest loan disbursal rates. Personal loans for pre-qualified customers can be disbursed in as little as one working day, while personal loans for new customers are approved and released within a four-working-day timeframe.

Low-Interest Rates: Fullerton India provides personal loan applicants with affordable interest rates. Because many of Fullerton India’s clients are from smaller towns and semi-urban areas, the company appreciates the need of keeping interest rates low while providing maximum benefits to its customers.

Part-Prepayment Facility: After a minimum of six months, Fullerton India allows part-prepayment on all of its personal loans. For any personal loans repaid after 36 months from the agreement date, Fullerton India does not charge any prepayment fees.

Users who wish to apply for a personal loan with Fullerton India do not need to visit a branch; instead, they may apply for a personal loan online. This type of service not only saves time and provides convenience for the loan application, but it also speeds up loan approval and disbursement, resulting in a win-win situation for both the consumer and the firm.

Dedicated Customer Care: This company offers a customer support helpline that is available 24 hours a day, 7 days a week, allowing users to get detailed information via phone and email.

Fullerton India provides large loan amounts to both men and women borrowers in order to assist them in meeting their financial obligations. The loan amount ranges from as little as Rs.65 to as much as Rs.20 lakh.

For residents of metro and Tier 1 cities, a minimum of Rs.65,000 is required.
For residents of Tier 2, 3, and 4 cities, Rs.50,000 is available.
The maximum amount is Rs.20 lakh, and the minimum amount is Rs.10 lakh.

Women can get a large loan amount from Fullerton at a low-interest rate. To apply for the loan, applicants just simply meet the bank’s eligibility requirements. Women applicants are now eligible for preferential interest rates on loans, making it easier for them to take out loans as needed. The following are the specifics of a personal loan for female customers.

The loan is available to women living in urban, semi-urban, and metropolitan areas.
Loans are offered to female applicants at a lower interest rate than the applicable base interest rates.

  • The maximum loan amount that can be applied for is up to Rs.10 lakh.
  • The borrowers can take the loan for extended repayment period of up to 5 years or 60 months.

For more details visit the official website.

Tata capital personal loan interest rates as low as 10.99 percent per annum

Tata capital personal loan

Tata capital personal loan – Tata Capital offers personal loans with interest rates as low as 10.99 percent per annum. A loan of up to Rs.25 lakh can be obtained for a duration of up to 6 years.

Tata Capital Personal Loan Features

  • Benefits Quick Loan Disbursement
  • Interest Rates That Are Competitive
  • There are no prepayment penalties

Tata Capital Personal Loan Details

Interest Rate (Monthly reducing balance)10.99% p.a. onwards
Processing FeesNil
Pre Closure ChargesPre-closure is permitted after 12 months. 0% of principal outstanding (plus ST)
Loan Tenure12 months to 72 months
Guarantor RequirementNo guarantor required

Fees and Charges for Tata Capital Personal Loans
Fees for loan processing-Up to a maximum of 2.5 percent of the loan amount, plus GST


Prepayment
In the first six months, no partial prepayment is permitted.
Prepayment is only permitted once a year.
There must be at least a 6-month gap between two-part payments.


Charges for paying in advance –
On amounts greater than 25% of the outstanding principle, there is a prepayment charge of 2.5 percent plus GST.
Up to 25% of the outstanding principle may be paid in part.

The interest of 3% per month on outstanding amounts plus GST
Charges for Post-Dated Cheques: Rs.850 + GST
Charges for Bounce
Every cheque, payment instrument, or ECS dishonor is subject to a fee of Rs.600 plus GST.
Charges for Cancellation
Instrument Swapping Fees Rs.550 + GST 2% of the loan amount or Rs.5,750 whichever is higher
Charges for Foreclosure
In the first six months, there are no foreclosure charges.
4.5 percent of the principal owed at the time of foreclosure plus GST

Top Up Charges for Foreclosure 2.5 percent of the future outstanding principle of the existing loan + GST
Charges of Foreclosure in CCOD Cases
In the first six months, there are no foreclosure charges.
4.5 percent on the amount of the drop-down limit plus GST
Service Fee for Mandate Rejection: Rs.450 + GST (If the new mandate form is not registered within 30 days of the previous mandate form’s rejection, fees will be assessed.)
Outstation Collection Charges Rs.100 + GST CCOD Annual Maintenance Charges 0.25 percent on the drop line amount + GST or Rs.1,000 whichever is higher

Statement of AccountsSoft copy: NilBranch walk-in: Rs.250 + GST
Duplicate Repayment ScheduleSoft copy: NilBranch walk-in: Rs.550 + GST
Duplicate NOCRs.550 + GST
Foreclosure Letter ChargesSoft copy: NilBranch walk-in: Rs.199 + GST

Tata Capital Personal Loan Documents Required
Application form signed and accompanied by a photograph
a copy of your passport, voter ID card, or driver’s license
, and a check for the processing fee
Bank statement from the previous three months/6 bank passbook from the previous six months

Documentation required for salaried applicants is as follows:

The most recent payslip
For self-employed candidates, a current salary certificate with the most recent Form 16 documentation is required

The most recent bank statement is the most recent ITR or Form 16

Eligibility for a Tata Capital Personal Loan Criteria


Eligibility Individuals who are salaried must meet certain criteria.

Segment
MNC
Public Ltd.
Co/Large Pvt. Ltd.
State Govt. /Central Govt.
PSU
Age Between 21-58 Years
Job Continuity

Must hold a job and have worked for the same employer for at least one year.
Minimum monthly income of Rs.20,000

Rs.75,000 is the minimum loan amount.
Rs.15,00,000 is the maximum loan amount.
12-60 Months of Tenure

Documents RequiredIdentity Proof: Voters ID /Passport/Driving LicenseAddress Proof: Ration Card/Electricity Bill/Rental Agreement/ Passport.Bank Statement for the last 3 Months
Latest Form 16
Most Recent Salary Slip or current dated Salary Certificate

For Self Employed Individuals and Self-Employed Professionals
25-65 years old
25 to 65 years old
Continuity of Operations
3 years minimum in the same industry and city
3 years minimum in the same industry and city
Rs.2,00,000 per year as a minimum income Rs.2,00,000 per year as a minimum income

Rs.75,000 Minimum Loan Amount Rs.75,000 Minimum Loan Amount
Maximum Loan Amount Rs.15,00,000 Rs.15,00,000 Maximum Loan Amount Rs.15,00,000
Duration: 12 to 48 months
Months: 12 to 48

Documents Required- Self Employed Individuals Identity Proof: Voters ID /Passport/Driving License
Address Proof: Ration Card/Electricity Bill/Rental Agreement/Trade License/Sales Tax Certificate.
Banks Statement for the last 6 months
Highest Professional Degree
Latest Income Tax Return(ITR)

Documents required for Self-Employed Professionals

  1. Identity Proof: Voters ID /Passport/Driving License
  2. Address Proof: Ration Card/Electricity Bill/Rental Agreement/Trade License/Sales Tax Certificate.
  3. Banks Statement for the last 6 months
  4. Latest Income Tax Return(ITR) along with the computation of income, Balance sheet(B/S) and Profit& Loss(P&L) for the last 2 years certified by a CA.
  5. Proof of Continuation: Trade License/Sales Tax Certificate/Establishment.

Is it possible to get a copy of my Tata Capital Personal Loan statement online?
Yes. You can opt to receive your loan statement through email at the address you provided when you enrolled with the firm.

MyShubhLife- Instant loan upto 75,000 to Rs. 5 lakh

MyShubhLife

Personal loans are available through MyShubhLife if you require instant finances. You can easily obtain a loan in the amount of Rs. 75,000 to Rs. 5 lakh. The loan can be repaid in one to four years. The loan’s interest rate ranges from 1.25 percent to 2 percent (flat monthly rate). After paying 12 EMIs on time, you can foreclose on the debt.

Features of MyShubhLife

  • MyShubhLife has a simple application process via a mobile app
  • Amounts ranging from Rs.75,000 to Rs.5 lakh are available as loans.
  • Loan repayment periods of up to four years are available.
  • Monthly interest rates are fixed and range from 1.25 percent to 2 percent.
  • After repaying 50% of the current loan, a top-up loan is available.
  • After 12 months of repayment, the loan might be pre-closed.
  • Document collection is simple with agent pickup at a pre-arranged time and location at your business or home.

Eligibility Criteria for MyShubhLife

Salaried individuals with a minimum monthly income of Rs.12,000 are eligible for MyShubhLife.
Minimum age of 21 and maximum age of 60 are required.

Documents Required for MyShubhLife

  • Documents needed to prove your identity on MyShubhLife: PAN Card and Aadhaar Card
  • Rental agreement/utility bill/postpaid mobile bill/valid government KYC documents in the name of the loan applicant are acceptable forms of proof of address.
  • Recent bank statements showing pay credits from the preceding three months, as well as salary slips
  • Photograph: Selfie

How to Avail MyShubhLife

  • Register for an account on the MyShubhLife mobile application.
  • Fill in your personal information when your cellphone number has been validated.
  • Upload a photo of your PAN and fill out the form.
  • Include information about your home address, schooling, work experience, present job, and pay.
  • Link your MyShubhLife account to your netbanking account or upload the bank statement papers in PDF format to upload your bank statement.
  • You can apply for the loan when your bank statements have been quickly validated.
  • Choose the EMI amount you can afford, the loan amount you need, the payback term you choose, and the loan purpose.
  • Upload a photo of yourself.
  • Upload your latest payslip and proof of residential address in PDF format.
  • Share the contact details of two references
  • Your loan application is now complete and will be processed within 2 working days once approved.

In which cities is MyShubhLife now available?

Ahmedabad, Bangalore, Chandigarh, Chennai, Coimbatore, Delhi NCR, Hyderabad, Jaipur, Kolkata, Mumbai, Mysore, Nashik, and Pune are the cities where MyShubhLife is currently available.

Indusind bank loan details-interest rates start at 11% p.a.

Indusind bank loan details

Indusind bank loan details – Personal loans from IndusInd Bank are available at competitive interest rates and can be utilized for a range of purposes.

Amount of loan: up to Rs.25 lakh

Interest rates start at 11% p.a.

Processing fees range from 1% to 3% of the loan amount.

Quick approval and disbursement of funds

IndusInd personal loan features


Loans with varying terms are available.
With IndusInd Bank, you can get a personal loan with minimal physical documents, quick loan processing, and quick disbursement of the loan amount to your bank account.
For loan-related processes, make use of a doorstep service.
Interest rates that are competitive
No guarantors or collateral are required.
To get rid of high-interest debt, use the ‘Balance Transfer Option.’
ECS from any bank or IndusInd Bank account debit is two flexible payment options.

To apply for a personal loan with IndusInd Bank, you’ll need the following documents.

  1. A completed application form with a photograph is required.
  2. Photocopies of your passport, voter ID card, and driver’s licence
  3. Bank statement from the last three months/bank passbook from the previous six months
  4. For salaried applicants, the following documentation is required:

The most recent payslip
Documentation for self-employed applicants: current dated salary certificate with the most recent Form 16 6.

The most recent bank statement is the most current ITR or Form 16

What are the requirements for an IndusInd personal loan?
Salaried, Self-employed professional
and Self-Employed individual are the three types of borrowers defined by IndusInd.

For paid workers
Chartered accountants, doctors, select private and public sector personnel, PSU and central government officials, and government state and local body employees are all classified as salaried employees by IndusInd Bank.

  • Employees between the ages of 21 and 60 are eligible for this benefit.
  • Net income should not be less than Rs 25,000 per month.
  • 2 years of overall experience is required, as well as 1 year of experience in the current company.
  • People seeking rental housing must have lived in their current residence for at least one year.

For professionals working for self

Architects, self-employed doctors and CAs, engineers, corporate secretaries, and MBA consultants are all self-employed professionals, according to IndusInd.

  • Applicants must be between the ages of 25 and 65.
  • More than Rs 4.8 lakhs in net annual income is expected.
  • After graduation, you must have a minimum of four years of experience.

Individuals who are self-employed

Partners, directors, and sole proprietors in service, trading, or manufacturing firms are considered self-employed.

  • The applicant’s age should be between 25 and 65 years old.
  • Net income of at least Rs 4.8 lakhs.
  • After obtaining the required qualification, you must have at least 5 years of experience.

charges and fees


Charges for Advance Payment
Salaried: 4% of the outstanding principle after 12 EMIs have been repaid. Self-employed: 4% of the outstanding principle after 6 EMIs have been paid
Dishonorable Payment Charges Rs.450/- plus tax
Loan for personal use Per occurrence, there is a duplicate statement charge of Rs.250/- + taxes.
Charges for swapping cheques, ECS, and SIs are Rs.500 plus taxes per event.
Per event, a duplicate No Dues Certificate costs Rs.250 + taxes.
Charge of Rs.250/- + taxes per event for a duplicate amortization schedule
Charges for rescheduling or rebooking a loan are Rs.1000 plus taxes per event.
Charges for loan cancellation are Rs.1000 plus taxes per incident.
Photocopies of agreements and documents are charged at a rate of Rs.250/- + taxes per event.

Penal ChargeRs.150/- plus taxes, Per EMI delay beyond 5 days
Legal ChargesAs per Actuals
Stamp DutyAs per State Laws
CIBIL ReportRs.50/- per instance per set + Taxes as applicable