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What is a Loan?
A loan is a sum of money borrowed from a financial institution (bank, NBFC, or credit union) that must be repaid over a specified period with interest. Loans provide immediate access to funds for personal needs, business expansion, property purchase, or vehicle acquisition without requiring full upfront payment.
Loans are typically categorized as secured (backed by collateral like property or vehicle) or unsecured (no collateral required, based on creditworthiness). The borrower agrees to repay the principal amount plus interest through monthly installments (EMIs).
Loan Comparison Table
Compare all loan types side-by-side
| Loan Type | Amount Range | Tenure | Interest Rate | Processing Time | Collateral | Purpose |
|---|---|---|---|---|---|---|
| Personal Loan | ₹50K - ₹25L | 1-5 Years | 10.5% - 24% | 24-48 Hours | ❌ No | Any personal use |
| Business Loan | ₹1L - ₹50L+ | 1-7 Years | 9.5% - 18% | 3-5 Days | ✅ Optional | Business expansion |
| Home Loan | Up to ₹5Cr+ | Up to 30 Years | 8.5% - 12% | 7-10 Days | ✅ Property | Property purchase |
| Vehicle Loan | Up to 90% Price | 1-7 Years | 8.5% - 14% | 24-72 Hours | ✅ Vehicle | Car/bike purchase |
Advantages & Disadvantages of Loans
Advantages of Taking a Loan
- ✅ Immediate Access to Funds: Get money when you need it most
- ✅ Flexible Repayment: Choose EMI tenure as per income
- ✅ Build Credit Score: Timely repayment improves CIBIL
- ✅ Tax Benefits: Home loans offer deductions (80C, 24)
- ✅ Asset Ownership: Buy home/vehicle without full payment
- ✅ Emergency Support: Personal loans for urgent needs
- ✅ Business Growth: Expand operations with capital
- ✅ Competitive Rates: Lower interest than credit cards
Disadvantages of Taking a Loan
- ❌ Interest Burden: Total repayment exceeds borrowed amount
- ❌ Long-term Debt: Financial commitment for years
- ❌ Default Risk: Missed payments damage credit score
- ❌ Collateral Risk: Secured loans risk asset loss
- ❌ Processing Fees: Additional costs (1-2% of loan)
- ❌ Prepayment Charges: Fees for early closure
- ❌ EMI Burden: Fixed monthly outgo reduces cash flow
- ❌ Documentation: Extensive paperwork required
Personal Loan - Complete Details
Key Features
- ✓ Loan Amount: ₹50,000 to ₹25 Lakhs
- ✓ Tenure: 1 to 5 years (Flexible EMI)
- ✓ Interest Rate: Starting from 10.5% p.a.
- ✓ Processing Fee: 1-2% of loan amount
- ✓ No Collateral: Unsecured loan
- ✓ Quick Disbursal: Within 24-48 hours
Eligibility
- ✓ Age: 21 to 60 years
- ✓ Employment: Salaried/Self-Employed
- ✓ Min Income: ₹15,000/month
- ✓ CIBIL Score: 650+
- ✓ Work Experience: 1+ year current job
- ✓ Residency: Indian citizen
Documents Required
- ✓ Identity Proof: Aadhaar Card, PAN Card
- ✓ Address Proof: Utility Bill, Rent Agreement
- ✓ Income Proof: Salary Slips (last 3 months)
- ✓ Bank Statements: Last 6 months
- ✓ Employment Proof: Employment Certificate
- ✓ Photographs: Passport-size (2 copies)
- ✓ Form 16: For salaried individuals
- ✓ ITR: Last 2 years (for self-employed)
Benefits
- ✓ No end-use restriction - use for any purpose
- ✓ Instant online approval within hours
- ✓ Flexible repayment options available
- ✓ Part-payment & foreclosure allowed
- ✓ Minimal documentation required
- ✓ Competitive interest rates
- ✓ No hidden charges or fees
- ✓ Quick disbursal to your account
Business Loan - Complete Details
Key Features
- ✓ Loan Amount: ₹1 Lakh to ₹50 Lakhs+
- ✓ Tenure: 1 to 7 years
- ✓ Interest Rate: Starting from 9.5% p.a.
- ✓ Collateral: Secured/Unsecured options
- ✓ Processing: 3-5 working days
- ✓ Usage: Working capital, expansion, machinery
Eligibility
- ✓ Business Type: Proprietorship, Partnership, Pvt Ltd, LLP
- ✓ Business Vintage: Minimum 2 years
- ✓ Annual Turnover: Minimum ₹10 Lakhs
- ✓ Age: 25 to 65 years
- ✓ CIBIL Score: 700+
- ✓ GST Registration: Required
Documents Required
- ✓ Business Registration: Certificate of Incorporation
- ✓ GST Returns: Last 12 months
- ✓ PAN & Aadhaar: Of all partners/directors
- ✓ ITR: Last 2 years with computation
- ✓ Bank Statements: Business account (12 months)
- ✓ Financial Statements: Balance Sheet & P&L
- ✓ Business Address Proof: Rent agreement/ownership
- ✓ Existing Loan Details: If any
Loan Types
- ✓ Working Capital Loan: For daily operations
- ✓ Term Loan: For machinery & expansion
- ✓ MUDRA Loan: Up to ₹10L for micro enterprises
- ✓ Startup Loan: For new businesses
- ✓ Overdraft Facility: Short-term credit line
- ✓ Invoice Discounting: Quick cash against invoices
Home Loan - Complete Details
Key Features
- ✓ Loan Amount: Up to ₹5 Crore+
- ✓ Tenure: Up to 30 years
- ✓ Interest Rate: Starting from 8.5% p.a.
- ✓ LTV Ratio: Up to 90% of property value
- ✓ Tax Benefits: Section 80C & 24
- ✓ Processing: 7-10 working days
Eligibility
- ✓ Age: 21 to 65 years (at maturity)
- ✓ Employment: Salaried/Self-Employed
- ✓ Min Income: ₹25,000/month (Salaried)
- ✓ CIBIL Score: 750+ for best rates
- ✓ Property: Clear title, bank-approved
- ✓ Nationality: Indian citizen/NRI
Documents Required
- ✓ Personal: Aadhaar, PAN, Passport-size Photos
- ✓ Income Proof: Salary slips/ITR (2 years)
- ✓ Bank Statements: Last 6 months
- ✓ Property Documents: Sale Agreement
- ✓ Title Documents: Clear ownership proof
- ✓ NOC: From society/builder
- ✓ Approved Building Plan: From municipal authority
- ✓ Property Tax Receipt: Latest payment
- ✓ Encumbrance Certificate: Last 13 years
Loan Types
- ✓ Home Purchase: Buy ready/under-construction property
- ✓ Home Construction: Build house on owned plot
- ✓ Plot Purchase: Finance for land acquisition
- ✓ Home Improvement: Renovation & repairs
- ✓ Balance Transfer: Shift to lower interest rates
- ✓ Top-up Loan: Additional funding on existing loan
Vehicle Loan - Complete Details
Key Features
- ✓ Loan Amount: Up to 90% of vehicle price
- ✓ Tenure: 1 to 7 years
- ✓ Interest Rate: Starting from 8.5% p.a.
- ✓ Vehicle Types: Car, bike, commercial vehicle
- ✓ Processing: 24-72 hours
- ✓ Insurance: Included & supported
Eligibility
- ✓ Age: 21 to 65 years
- ✓ Employment: Salaried/Self-Employed
- ✓ Min Income: ₹20,000/month
- ✓ CIBIL Score: 700+
- ✓ Driving License: Valid DL mandatory
- ✓ Residency: Indian citizen
Documents Required
- ✓ Identity Proof: Aadhaar & PAN Card
- ✓ Address Proof: Utility bill/Rent agreement
- ✓ Income Proof: Salary slips (3 months)/ITR
- ✓ Bank Statements: Last 3-6 months
- ✓ Valid Driving License: Mandatory for all applicants
- ✓ Passport-size Photos: 2 copies
- ✓ Vehicle Quotation: From dealer (for new vehicle)
- ✓ RC Copy: Registration certificate (for used vehicle)
Loan Types
- ✓ New Car Loan: For brand new vehicles
- ✓ Used Car Loan: Pre-owned cars (up to 7 years old)
- ✓ Two-Wheeler Loan: Bikes & scooters
- ✓ Commercial Vehicle Loan: Trucks, taxis, tempo
- ✓ Electric Vehicle Loan: Special rates for EVs
- ✓ Refinance: Switch existing vehicle loan
How to Apply for Loan
Simple 4-Step Process
1
Submit Enquiry
Fill online form or call +91 9777027025
2
Document Upload
Submit required documents for verification
3
Approval
Loan sanctioned by bank/NBFC
4
Disbursement
Amount credited to your account
Frequently Asked Questions
What is the minimum CIBIL score required?
A CIBIL score of 650+ is generally required for personal loans, while 700+ is preferred for business and home loans for better interest rates.
How fast can I get loan approval?
Personal & vehicle loans: 24-72 hours. Business loans: 3-5 days. Home loans: 7-10 days depending on property verification.
Can I prepay my loan?
Yes, most loans allow part-payment and foreclosure. Some lenders may charge 2-4% foreclosure fee on floating rate loans.
What is EMI?
EMI (Equated Monthly Installment) is a fixed payment amount made by a borrower to a lender at a specified date each calendar month. It includes both principal and interest.
What documents are mandatory?
Aadhaar, PAN, income proof (salary slips/ITR), and bank statements are mandatory for all loans. Additional documents vary by loan type.
Are there any hidden charges?
No, we maintain complete transparency. All charges including processing fee, prepayment charges, and late payment penalties are disclosed upfront.
Can self-employed individuals apply?
Yes, self-employed professionals and business owners can apply with ITR, GST registration, and business proof documents.
What happens if I miss an EMI?
Missing an EMI can result in late payment charges, negative impact on CIBIL score, and potential legal action for continued default. Contact lender immediately if facing difficulty.
Ready to Get Your Loan?
Apply now and get instant approval with minimal documentation!
Apply for Loan NowCall: +91 9777027025 | Email: support@clickseva.in