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Personal Loan Information:

Personal Loan information is usually a complete detail of personal loan process driven by bankers or financial institution / NBFC. Normally personal loan can be used to fulfill personal loan requirements like buying some jewellery or other requirements. Most bankers are lending loans as per their own policy. Normally personal loan approval or loan amount depending on customer’s previous and current credit history or ability to pay and its own internal credit policies. In India financial market privet sector banks are more aggressive rather than public sector bank. HDFC bank is most aggressive bank in India.  Similarly ICICI bank, Kotak Mahindra Bank, Axis Bank are dealing in loans.

Personal Loan Information – Personal loans for NRI’s:

Most of private and PSU banks are aggressively provides personal loans to NRI customers. Private sector banks are providing personal loans up to 10 lacs. Availing NRI loan customers need to provide some specific documents like company profile, contract letter with current employer, passport and updated visa. In loan process, banks are taking NRI’s as co-applicant and applicant must be citizen of India and the same must be in blood relation or spouse.

Personal Loan Information – Personal Loan for Salaried:

Salaried personal loan is the most selling product in Indian banking industries. HDFC Bank, ICICI Bank, Kotak, ING are offered unsecured at very competitive interest rates. Normally banks and NBFC are lending personal loan in India between 14% to 20 % reducing rates. Apart from banks some NBFC are also dealing in unsecured loans and they are HDBC, Bajaj, Fullerton India and Capital First are also provide good range of loan in India.

Pre-approved Personal loans:

HDFC bank has a very good program in personal loan for their salary account holders as pre approved personal loan. In this program HDFC offered their customers a pre approved personal loan limit. HDFC Bank decides loan limit as per saving account ABB and their monthly salary. Pre-approved loan amount is disbursed in just 24 hours. It is the best personal loan product in India financial market. Apart from Bajaj financial is also provide pre approved personal loan in India. Bajaj Fin has a big customer base of consumer loans. Bajaj fin are offering pre approved personal loan for their existing customers.

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