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Personal Loan in Ahmedabad

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Personal Loan

Elevate your life's possibilities with Adiyogi Enterprise's personalized personal loan solutions. Whether you're planning a dream vacation, consolidating debt, or pursuing other personal goals, we offer competitive interest rates, flexible repayment terms, and a hassle-free application process. Our experienced team of financial experts is committed to assisting you at every stage, ensuring a seamless and stress-free experience. Unlock the doors to your aspirations with confidence, knowing you have the backing of a trusted financial partner. Apply today and embark on your journey towards achieving your personal dreams with Adiyogi Enterprise – where your financial well-being is our priority. Visit us now to explore our range of personal loan options and take the first step towards a brighter future!

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  • Features
  • Eligibility
  • Documents
  • Fees & Charges

Features of Adiyogi's Personal Loan

Here are some key features of a Personal loan offered by Adiyogi Enterprise:

  1. Debt consolidation: Combining multiple debts into a single loan with a lower interest rate to save money on interest payments and make it easier to manage debts.
  2. Home renovation: Using a personal loan to fund home renovation projects can increase the value of your home and improve your living conditions.
  3. Medical expenses: If you have unexpected medical expenses, such as emergency surgery or hospitalization, a personal loan can help cover the costs.
  4. Emergency expenses: A personal loan can help cover unexpected expenses like medical emergencies or car repairs to avoid financial hardship.

  • Personal Loan Eligibility Criteria

    1. Age should fall under the range of 21 years to 60 years
    2. Net monthly income should be 15,000/- for salaried and self-employed, yearly transactions should be a minimum of 20 lakhs
    3. Credit score must be above 650
    4. Debt-to-income ratio
    5. Employment stability
    6. Maintained a good credit score
    7. Clear repayment history
    8. Must be a Resident Citizen of India

    Check eligibility for personal loan

    1. Determine the Loan Amount: Before applying for a personal loan, assess your financial situation and determine the amount you need to borrow. Avoid borrowing more than you need as it may lead to debt traps.
    2. Check your Credit Score: A good credit score increases your chances of getting a loan at a lower interest rate. Before applying for a loan, check your credit score and report to ensure that there are no errors or discrepancies that may affect your loan application.
    3. Compare Interest Rates: Compare the interest rates of different lenders and choose the one that offers the lowest interest rate. A lower interest rate can help you save a significant amount of money over the loan tenure. You can also calculate your EMI by using EMI Calculator by visiting www.adiyogihomeloan.com
    4. Evaluate Other Charges: Apart from interest rates, lenders may levy other charges such as processing fees, prepayment charges, late payment fees, etc. Evaluate these charges and choose a lender that offers the most reasonable fees.
    5. Check Eligibility Criteria: Different lenders have different eligibility criteria for personal loans. Check the eligibility criteria before applying to ensure that you meet the requirements.
    6. Read the Terms and Conditions:
    7. : Before signing the loan agreement, read the terms and conditions carefully. Understand the repayment schedule, interest rates, fees, and penalties to avoid any surprises later.
    8. Choose the Right Tenure: Choose a loan tenure that is suitable for your repayment capacity. A longer tenure may lower your EMI, but it will increase the total interest outgo.
    9. Look for Repayment Flexibility: When taking out a personal loan, it's essential to consider repayment flexibility as one of the factors. Repayment flexibility refers to the ability to pay back the loan amount at your convenience, without any financial strain.

  • Documents Required for Adiyogi's Personal Loan

    1. Identity Proof: Passport, Voter’s ID, Driving License, PAN Card, Aadhaar Card
    2. Proof of Residence or Address Proof: Passport, Voter’s ID, Driving License, PAN Card, Aadhaar Card, Electricity Bill, Telephone Bill, Ration Card
    3. Age Proof: Passport, Voter’s ID, Driving License, PAN Card, Aadhaar Card
    4. Income Proof: 1 year Bank statement, 3 months Salary Slips
    5. Employment Proof: Employment Certificate, Office address proof
    6. GST or VAT Registration for Self-employed
    7. Photograph: Passport-size photographs
    8. Business proof: Business registration documents such as a partnership deed, Memorandum of Association (MOA), Articles of Association (AOA), etc.
    9. Income tax returns: Documents of the past 2-3 years to verify income and tax payment history

    Fees and Charges for Personal Loan

    Particulars Charges
    Loan Processing Fees 4999/- to 5% of Loan Amount
    Loan Cancellation Usually 3000 to 5% of Loan Amount
    Stamp Duty Charges 150/- to 300/-
    Legal Fees As per actuals
    Penal Charges Usually 2% per month
    EMI / Cheque Bonus Approx 499/- to 599/-
    FAQ

    Frequently Asked Questions

    • 1. What types of personal loans does Adiyogi Enterprise offer?

      Discover the range of personal loan products available, including unsecured personal loans, secured loans, debt consolidation loans, and more.

    • 2. What are the eligibility criteria for obtaining a personal loan from Adiyogi Enterprise?

      Learn about the requirements such as credit score, income, employment status, age, and other factors necessary to qualify for a personal loan.

    • 3. How does Adiyogi Enterprise determine the maximum loan amount I can avail for a personal loan?

      Understand the factors considered, such as income, creditworthiness, debt-to-income ratio, and loan purpose, in determining the maximum loan amount for a personal loan.

    • 4. What documents are required for applying for a personal loan with Adiyogi Enterprise?

      Get details on the documentation needed for the application process, including proof of identity, address, income, employment, and other relevant documents.

    • 5. What is the current interest rate offered by Adiyogi Enterprise on personal loans?

      Learn about the current interest rates for different types of personal loans, including fixed-rate and variable-rate options, and how they affect your monthly payments and overall loan cost.

    • 6. Can I get pre-approved for a personal loan with Adiyogi Enterprise?

      Explore the option of obtaining pre-approval for a personal loan, which provides assurance of the loan amount you qualify for, simplifying the application process.

    • 7. What is the maximum loan tenure offered by Adiyogi Enterprise for personal loans?

      Understand the maximum duration available for repaying a personal loan with Adiyogi Enterprise, which may vary depending on the loan amount and terms.

    • 8. What are the repayment options available for personal loans from Adiyogi Enterprise?

      Explore the various repayment options offered by Adiyogi Enterprise, including flexible EMIs (Equated Monthly Installments), tenure extension, and prepayment facilities.

    • 9. Can I apply for a personal loan jointly with a co-applicant?

      Understand the benefits of applying for a personal loan jointly with a co-applicant, such as increased loan eligibility and sharing the financial responsibility of repayment.

    • 10. Are there any processing fees or hidden charges associated with personal loans from Adiyogi Enterprise?

      Get information on any processing fees, documentation charges, prepayment penalties, or other expenses associated with availing a personal loan from Adiyogi Enterprise.