गुरुवार, 4 अप्रैल 2024

what is Business loan

 Business loan ek prakar ka financial assistance hota hai jo businesses apne operations ko expand karne, naye projects ko shuru karne, inventory ko replenish karne, ya anya business related expenses ke liye lete hain. Yeh loans various sources se available hote hain, including banks, financial institutions, government schemes, aur online lending platforms.

Kuch common reasons hote hain jin ke liye businesses business loan lete hain:


  1. Business Expansion: Business ko expand karne ke liye additional funds ki zarurat hoti hai, jaise naye outlets khulwane, production capacity badhane, ya naye market mein entry karne ke liye.

  2. Working Capital: Working capital ki shortage ko cover karne ke liye. Working capital ki zarurat hoti hai day-to-day operations ke liye, jaise raw materials purchase karna, utilities ka payment karna, aur employees ki salary dena.

  3. Inventory Management: Inventory ko replenish karne ya seasonal demand ko meet karne ke liye.

  4. Equipment Purchase: New machinery ya equipment purchase karne ke liye jo business efficiency ko improve karta hai.

  5. Technology Upgrade: Technology aur infrastructure upgrade karne ke liye.

Business loans ke liye, aapko typically business plan, financial statements, aur business ki credit history provide karni padti hai. Iske alawa, interest rates, loan tenure, aur repayment terms vary karte hain based on the lender and the specific requirements of the business.

Loan lene se pehle, aapko apne business ki financial situation aur loan repayment capacity ko dhyaan mein rakhna chahiye. Aapko bhi yeh dekhna chahiye ki aapko kitna loan chahiye aur kis tarah ka loan aapke business ke liye sabse suitable hai.




what is Personal loan

 Personal loan ek prakar ka loan hota hai jise individuals ya households apne personal financial needs ko pura karne ke liye lete hain. Ye loan banks, financial institutions, ya online lending platforms se available hota hai.

Yeh kuch common reasons hote hain jin ke liye log personal loan lete hain:

  1. Debt Consolidation: Existing loans ya credit card debts ko consolidate karne ke liye.
  2. Emergency Expenses: Achanak se aaye financial emergencies jaise medical bills, car repairs, ya ghar ke marammat ke liye.
  3. Home Renovation: Ghar ki renovation ya repair ke liye.
  4. Wedding Expenses: Shaadi ya kisi celebration ke liye funds arrange karne ke liye.
  5. Travel Expenses: Vacation ya travel ke liye funds arrange karne ke liye.
  6. Education Expenses: Higher education ya professional courses ke liye fees pay karne ke liye.

Personal loan lene ke liye, aapko typically interest rate aur loan tenure ke saath ek agreement sign karna padta hai. Iske alawa, aapko aapke financial institution ke terms and conditions ka bhi palan karna hota hai. Yeh loan unsecured hota hai, yaani ke aapko koi collateral provide nahi karna padta, lekin interest rates usually higher hote hain compared to secured loans jaise home loans ya car loans.

Is tarah ke loan ke liye apply karne se pehle, aapko apni repayment capacity ko dhyaan mein rakhna chahiye, taki aapke liye loan repay karna feasible rahe.

Please register and get: 💡 Strong product suggestions 📄 Easy application process


✔️ Personal guidance All of this at ₹0 consultation fee.

Register here:


सोमवार, 18 मार्च 2024

लेंडिंगकार्ट बिजनेस लोन



 लेंडिंगकार्ट बिजनेस लोन के साथ अपना बिसनेस बढ़ाएं!

लेंडिंगकार्ट बिजनेस लोन के साथ अपनी बिज़नेस पोटेंशियल को अनलॉक करें। सिर्फ 72 घंटों में अपना आवश्यक बिज़नेस लोन पाए।


आपके लिए लाभ:

✅ ₹35 लाख तक का लोन

✅ मिनिमम डाक्यूमेंट्स

✅ 72 घंटे में ट्रांसफर


लेंडिंगकार्ट बिजनेस लोन क्यों चुनें:


✔️ 100% सरल और सेफ प्रोसेस

✔️ आसान ऑनलाइन आवेदन प्रोसेस


अपनी एलिजिबिलिटी जांचें और लेंडिंगकार्ट बिजनेस लोन के लिए अभी आवेदन करें - https://wee.bnking.in/c/MWVkODkw 

शुक्रवार, 15 मार्च 2024

Pradhan Mantri Mudra Yojana

 Pradhan Mantri Mudra Yojana

You will get financial assistance up to Rs 10 lakhs.


Scheme Details:

Required Documents

Proof of Address (any one)

  • Driving Licence
  • Voter ID Card
  • Passport
  • Ration Card
  • Utility Bills (Water/Electricity/Phone/Gas Bill)
  • Aadhaar Card
  • Rental Agreement/ Lease Agreement
  • Saving Account Bank Passbook

Proof of Identity (any one)

  • Driving Licence
  • PAN Card
  • Voter ID Card
  • Passport
  • Ration Card
  • Aadhaar Card

Projected balance sheets of startup

Last two years unaudited balance sheets of the existing units along with income tax

Caste Certificate

Proof of Address of the Business Enterprise (any one)

  • Copies of relevant Licenses
  • Udyog Aadhaar
  • Registration Certificate

Asset & Liability statement of the borrower

Copy of sales achieved during the current financial year (for existing units)

Applicant Photo (Passport Size)

Quotation of machinery or other items to be purchased

Bank statement (last six months)

Procedure to Apply

Please visit Banks or Financial Institution.

Application Link:

गुरुवार, 14 मार्च 2024

Mera Adhikar

 


Social Benefit Report (SOBER)

Is comprehensive report which is generated after evaluating beneficiaries profile. This report helps beneficiary discover Government Welfare Schemes which they are entitled for and further take informed decisions to avail them. There are 6,000+ Schemes for Social Upliftment of Indian Citizens.

Adhikar Card

Is identification number given to a Beneficiary. It is an ecosystem where beneficiaries can avail government and private benefits or schemes by just using this card. On the other end it will help government as well as private service provider with offhand and verified information of people whom the service is to be rendered.

Ayushman Bharat Health Account (ABHA) Health ID

On September 27th 2021, the Government of India initiated the Ayushman Bharat Digital Health Mission (ABDM). The goal of this mission was to provide all the citizens of India with a digital health ID that will facilitate easy access to medical records. This ID is a 14-digit identification number that can be used from anywhere in India. It helps share health information with medical professionals across India without any geographical barriers.

बुधवार, 6 मार्च 2024

PM Vishwakarma Scheme

PM Vishwakarma Scheme: पीएम विश्वकर्मा योजना की शुरुआत, आयुष्मान से लेकर जनधन समेत इन योजनाओं ने बदला लोगों का जीवन



PM Vishwakarma Kaushal Samman i.e., PM Vishwakarma will bring a sea change in the lives of crores of Vishwakarmas” -Hon'ble Prime Minister, 1st February, 2023 ...

Scheme Benefits

1. Recognition Recognition as Vishwakarma through Certificate and ID Card

2. Skilling.
a. Skill Verification followed by 5-7 days (40 hours) Basic Training
b. Interested candidates can also enroll for 15 days (120 hours) Advanced Training
c. Training Stipend: Rs 500 per day

3. Toolkit Incentive: Rs 15,000 grant

4. Credit Support:
a. Collateral free Enterprise Development Loans: Rs 1 lakh (First Tranche for 18 months repayment) & Rs 2 lakh (Second Tranche for 30 months repayment)
b. Concessional Rate of Interest: 5% to be charged from the beneficiary with Interest Subvention cap of 8% to be paid by MOMSME
c. Credit Guarantee fees to be borne by Gol

5. Incentive for Digital Transaction: Re
1 per transaction for maximum upto100 transactions (monthly)

6. Marketing Support: National Committee for Marketing (NCM) will provide services such as Quality Certification, Branding & Promotion, E-commerce linkage, Trade Fairs advertising, publicity and other marketing activities.

सोमवार, 13 मार्च 2023

मुख्यमंत्री लाडली बहना योजना

विभागमहिला एवं बाल विकास विभागयोजना का नाममुख्यमंत्री लाडली बहना योजनाहितग्राही मूलक है या नहीहाँअधिकार क्षेत्रराज्य प्रवर्तित योजनायोजना कब से प्रारंभ की गयी2023-03-15योजना का उद्येश्यप्रदेश में महिला सशक्तिकरण की दिशा में महिलाओं के आर्थिक स्वावलंबन,उनके स्वास्थ एवं पोषण स्तर में सतत सुधार एवं परिवार के निर्णयों में उनकी भूमिका सुदृढ़ करने हेतु शासन द्वारा मुख्यमंत्री लाडली बहना योजना प्रारंभ की जा रही है.लाभार्थी के लिए आवश्यक शर्ते / लाभार्थी चयन प्रक्रियायोजना अंतर्गत पात्रता :- योजना के अंतर्गत ऐसी श्रेणी की महिला पात्र होफी जो- 
* मध्यप्रदेश में स्थानीय निवासी हों. 
* विवाहित हो, जिनमें विधवा, तलाकशुदा एवं परित्यक्ता महिला भी सम्मिलित होंगी. 
* आवेदन के कैलेंडर वर्ष में, 01 जनवरी की स्तिथि में 23 वर्ष पूर्ण कर चुकी हों तथा 60 वर्ष की आयु से कम हो.
लाभार्थी वर्गसामान्य ,अन्य पिछड़ी जाति ,अनुसूचित जाति ,अनुसूचित जनजाति ,अल्पसंख्यक ,पीडित महिलालाभार्थी का प्रकारमहिला ,परित्यक्ता ,विधवालाभ की श्रेणीवित्तीय सहायता /भत्तायोजना का क्षेत्रUrban and Rural
आवेदन/संपर्क/पंजीयन/प्रशिक्षण कहाँ करेंकैंप/ ग्राम/ पंचायत/ वार्ड कार्यालय/ आंगनवाड़ी केन्द्रों के माध्यम सेपदभिहित अधिकारीसमय सीमाआवेदन प्रक्रियायोजना अंतर्गत अपात्रता :- • जिनके परिवार की सम्मिलित रूप से वार्षिक आय 2.5 लाख से अधिक हो, जिनके परिवार का कोई भी सदस्य आयकरदाता हो. 
• जिनके परिवार का कोई भी सदस्य भारत सरकार अथवा राज्य सरकार के स्वास्थ्य विभाग उपक्रम मंडल स्थानीय निकाय में नियमित स्थाई कर्मी संविदा कर्मी के रूप में नियोजित हो अथवा सेवानिवृत्ति उपरांत पेंशन प्राप्त कर रहा हूं परंतु महान सेवी कर्मी तथा आउटसोर्सिंग एजेंसी के माध्यम से नियोजित कर्मचारी अपात्र नहीं होंगी. 
• जो स्वयं भारत सरकार/राज्य सरकार की किसी भी योजना के अंतर्गत प्रतिमाह राशी रुपए 1000/- या उससे अधिक की राशि प्राप्त कर रही है. 
• जिनके परिवार का कोई सदस्य वर्तमान अथवा भूतपूर्व सांसद विधायक हो 
• जिनके परिवार का कोई सदस्य भारत सरकार अथवा राज्य सरकार के बोर्ड/निगम/मंडल/उपक्रम का अध्यक्ष/ उपाध्यक्ष/संचालक सदस्य हो. 
• जिनके परिवार का कोई सदस्य स्थानीय निकायों में निर्वाचित जनप्रतिनिधि(पंच एवं उपसरपंच को छोड़कर) हो. 
• जिनके परिवार के सदस्यों के पास संयुक्त रुप से कुल 5 एकड़ से अधिक कृषि भूमि हो.(यहां पर परिवार का अर्थ पति-पत्नी एवं आश्रित बच्चों से) 
• जिनके परिवार के सदस्यों के नाम से पंजीकृत चार पहिया वाहन (ट्रैक्टर सहित) रहे हो.
आवेदन शुल्कनिःशुल्क


सोमवार, 5 दिसंबर 2022

Razorpay payment

Razorpay is the only converged payments solution company in India that allows your business to accept, process, and disburse payments via its product suite. With Razorpay, you have access to all payment modes, including credit and debit cards, UPI, and popular mobile wallets.

The most crucial quality of a payments solution is the ability to scale itself to meet your growing demands. At Razorpay, we are devoted to making sure you have the best payments infrastructure in place.

 Suggested read: How We Evolved into India’s First Converged Payments Solution ]

Read on to see if you identify with these objectives.

#1 You want to easily add payments to your website or app, with a seamless checkout experience

Razorpay’s Payment Gateway is a system designed to handle end-to-end payments.

Have we told you how easy it is to integrate our Payment Gateway? You can go live in minutes, especially because our Payment Gateway is built for developers. The APIs, plugins, and libraries are very dev-friendly.

Razorpay’s Payment Gateway supports the most extensive set of payment modes. From domestic and international credit/debit cards to UPI and mobile wallets, we’ve got you covered. 

#2 You need a wide range of payment solutions and services to support your versatile business

How would you reduce periodic collection cost, increase monthly recurring revenue, reduce churn, and offer better user experience to your customers, all at the same time?

With a subscriptions model, of course! 

Offer your customers plans with automated recurring transactions on many payment modes.

With Razorpay’s Subscriptions, you can onboard subscribers from all around the world! Subscriptions also supports multiple billing models. Which means –

  1. You can automate your fixed price recurring charges to your customer around a fixed schedule 
  2. You have the flexibility to charge your customer based on number of users or quantity per billing cycle 
  3. You can charge your customer only for what they consume in a billing cycle
 

Let’s say you’re dealing with a one-off use case where you wish to accept payments from your customers. Could be something like a workshop or even raising funds for charity. Would you build a whole new eco-system for this?

Nope!

Create a Razorpay Payment Link or a Payment Page and share with your customers via email, text message, or social media, without creating a separate integration!

With either one of Razorpay’s products, you get to accept payments from 100 currencies from all over the world!

#3 You want to target your efforts towards specific areas of your business based on data and insights

Decision making is a crucial aspect of any business. And, data plays a huge role in this process since it enables you to form business contingency, as you can predict future trends and optimize your current efforts.

Razorpay’s dashboard is the most comprehensive, data-driven, and an analytical dashboard that serves your purpose. 

The dashboard helps you evaluate real-time data and draw insights from the extensive reports, so you make better and informed business decisions.

#4 You want to manage and track money movements to vendors, customers, employees, and more

We understand traditional payments and disbursals can be a pain. With traditional banking, you end up spending many hours of manual labor every month because of multiple buggy software and complex infra systems. 

Money movement views can also be super tricky because of complexity. Oh, and let’s not forget that you’ll receive no insight on payouts to make impactful business decisions.  

Not anymore.

With RazorpayX, you get to simplify, accelerate, and supercharge every aspect of your financial operations! From accepting payments and managing cash flow to reconciling transactions and flexible payouts.

You end up saving 10x time because of instant payouts with reduced manual effort, also providing a superior customer experience.

RazorpayX provides you with a unified platform that helps you make, control, track, and analyze all forms of money movement from its powerful dashboard.

You can also manage and track money movement to vendors, customers, employees, etc. through the in-depth Financial CRM.

The result, you ask?

You make informed, impactful business decisions with off-the-shelf analysis on payouts mode!

Say bye bye to traditional banking with RazorpayX!

#5 You leave no stone unturned when it comes to providing your customers with the best support there is

As your business grows to see new heights, you are definitely in need of highly responsive customer service. What good is a product if the customer support is slouchy?

Your customers’ problems are our problems.

With Razorpay’s remarkable Customer Support, you don’t have to worry about clarifying any payments related setbacks to your customers. We’ll solve all problems for you, and in turn, help you serve your customers better.

Your customers spend less time on hold and have their problems solved at lightning speed.  

Our Customer Support offers live support for you and your customers. And, by that, we mean real people and not bots. 

#6 You want to open up new revenue streams by expanding your business on a global scale

With Razorpay’s International Payments, you get to open an entirely new channel of acquisition and grow your business to a whole new level! 

We understand payments more than anyone, and it only makes sense that we support you when you take your business to the world. 

Give your business state-of-the-art payments infrastructure with Razorpay’s International Payments. 

With over 100 currencies supported on the platform, experience seamless payments from any part of the world with real-time currency conversion!

You can integrate the Payment Gateway in minutes or give your international customers, subscription plans with automated recurring transactions.

You can share payment links via text messages, email, and more or create custom-branded Payment Pages to accept international payments online.

You can also send your global customers invoices that are GST complaint, with item-level details and accept payments through the many many payment modes we support!

#7 You want highly reliable fraud prevention and security

We understand that most people have different security concerns while making online transactions. It’s hard-earned money, after all. With so many people making purchases online, there is a growing need to make sure that all the information they enter is safeguarded.

And, we are highly motivated to provide robust security, so this sensitive info doesn’t fall into the wrong hands. This is where Payments Compliance comes to the picture. 

Created, mandated and registered by the branded cards and Payment Card Industry Security Standards Council (PCI SSC), the Payment Card Industry Data Security Standard (PCI DSS) is the set of rules that makes sure that every transaction is safe and no data is lost.

All of Razorpay’s products are secured by an industry-standard 100% PCI DSS compliant and certified solution.

So, did you nod your way through thinking “yes, I need that!”? Then, get started with Razorpay now!

RazorpayX Current Account and Razorpay X Corporate Credit Card

  

Top 10 Benefits of a RazorpayX Corporate Credit Card Program for Startups 

  Today, corporate credit cards have become an indispensable part of the startup ecosystem. They aim to solve one of the biggest challenges businesses face, which is cash flow management.   

“Despite the fact that cash is the lifeblood of a business – the fuel that keeps the engine running – most business owners don’t truly have a handle on their cash flow,” says Philip Campbell, a former CFO, CPA and author of Never Run Out of Cash. “Poor cash-flow management is causing more business failures today than ever before.”   

But a RazorpayX Corporate Credit Card is the perfect solution to cash flow management.  

If you don’t have a Razorpay X Corporate Credit Card for your startup yet, we’re going to tell you why it’s a good idea to get one. Read on.  

Apply for Corporate credit card

What is a RazorpayX Corporate Credit Card?   

RazorpayX Corporate Credit Card is a type of business credit card for startups and entrepreneurs. It is powered by a scheduled bank, SBM India, one of the biggest banks in APAC.   

RazorpayX Corporate Cards are issued on the basis of business performance and potential instead of fixed deposits or security collateral. The corporate card also integrates with the Razorpay Payment Gateway and RazorpayX Banking Hub to make your repayments and usage easier with better visibility all around.  Apply for Corporate credit card  Benefits of a RazorpayX Corporate Credit Card   A corporate credit card can offer a number of benefits for businesses, including:  

1. Dynamic credit limits    Many entrepreneurs use personal credit cards for making business purchases. Personal cards have limited credit limits. What often follows is the usage of multiple personal cards and reimbursement nightmares to just keep things running. This is why we designed the credit limits on RazorpayX Corporate Cards to be dynamic.  Dynamic credit limits scale with businesses and provide a buffer by keeping limits up to two times the regular usage.   

2. No personal liability   Every business owner understands that business transactions can get tricky, mainly due to the high transaction value involved. Later, when such a situation arises – using your personal credit card risks your personal credit limit. However, a corporate credit card has no liabilities on the individual.  

3. Payments for all business needs   Some businesses that continue using net banking and debit cards for running ads, paying for online subscriptions, AWS, etc., often face the reality of failed transactions. They have to manually ensure payments for such services integral to their businesses.   RazorpayX Corporate Cards are universally accepted Visa cards, so businesses don’t have to think twice about setting up recurring payments to subscribe to a service or make an international payment.   

4. Greater visibility into your billed & unbilled transactions with a smart dashboard   If a startup wants to stop all payments from their credit card to balance the budget, it is as easy as a simple toggle from the RazorpayX dashboard. The RazorpayX Corporate Card dashboard takes care of visibility with nuanced reporting and the ability to set limits on cards, users and types of expenses.  

5. Ability to set limits for teams and toggle cards on or off with a click of a button   As a business, you have complete control and visibility over all business expenses. You can set an upper limit on funds that can be used by your employee. This helps you manage your expenses really well. And, you don’t have to worry about making reimbursements to your employee later on.  

6. Option of automatic repayment from your customer payments   With RazorpayX Corporate Cards, you get greater visibility of expenses made by your employee when they use one. Not just this, you can also offer an option to enable automatic repayment from your customers.   

7. Stunning design with a personal approach    RazorpayX is levelling the field for all businesses and that includes the attention to detail that every business receives.  We have designed every RazorpayX Corporate Card to be not just smarter than an average card but also to carry the logo of businesses in all their glory. The application process is also very simple.   

8. Add-on cards for team members    Startup founders can get custom Add-on Cards tailored to different roles of their team members, right from the Razorpay dashboard. Add-on Cards are pre-loaded with a specific amount or credit line. This makes these cards such valuable assets for businesses and are less risky to hand out to your employees.  These cards essentially contain the same features as the RazorpayX Corporate Card and can be only availed by the primary cardholder for other team members.  

9. Rewards and cashback   This is another benefit of using a RazorpayX Corporate Credit Card. You can earn cashback and business rewards for any expenditure made using the card. So, you can save money on your corporate expenses while using the corporate card facility.  

10. Easy application process   Upon applying online, founders can get their virtual cards instantly and physical cards in 3-5 working days. No complicated paperwork and instant approval, because startups should not be kept waiting!  

Apply for Corporate credit card

 

सोमवार, 31 अक्टूबर 2022

Achieve Your Goals With IIFL Personal Loan

Personal Loan
Click to apply 

IIFL Finance customized personal loans are designed around your capital requirements with a hassle-free application process. This quick personal loan can accomplish your plans such as marriage, vacations, home renovation and much more. With IIFL Finance’s best personal loan in India, you do not have to compromise on your bucket list!

IIFL Personal Loan up to 5 Lakh is designed to ensure that you get express disbursal into your account in just a few hours.

IIFL Finance’s personal loan comes with attractive, affordable, and lowest interest rates to help you raise funds instantly. When you apply to get an instant personal loan , it is processed in less than 5 minutes without any extensive documentation. The personal loan EMIs are flexible and allow for better liquidity and easy achievement of set personal goals.


Benefits of IIFL Personal Loan

IIFL Finance’s personal loan is a comprehensive product that offers instant funds up to Rs 5 lakh with a quick disbursal process. The funds can be used to fulfil capital requirements for domestic or international vacations, weddings, buying the latest gadget, pursuing higher education, purchasing a vehicle or even home renovation. As IIFL is one of the leading financial companies in India, their personal loans offer the highest monetary value.


Age
23 years to 65 years*

Employment
Salaried Employees & Self Employed Individulas

‌CIBIL score
750 or higher

Monthly salary
Starting Rs. 22,000, based on your city of residence


IIFL Finance customized personal loans are designed around your capital requirements with a hassle-free application process. This quick personal loan can accomplish your plans such as marriage, vacations, home renovation and much more. With IIFL Finance’s best personal loan in India, you do not have to compromise on your bucket list!

IIFL Personal Loan up to 5 Lakh is designed to ensure that you get express disbursal into your account in just a few hours.

IIFL Finance’s personal loan comes with attractive, affordable, and lowest interest rates to help you raise funds instantly. When you apply to get an instant personal loan , it is processed in less than 5 minutes without any extensive documentation. The personal loan EMIs are flexible and allow for better liquidity and easy achievement of set personal goals.


Personal Loan EMI Calculator

Calculate your EMI and choose the most suitable product for you

EMI CALCULATOR

Loan Amount

₹ 5 K₹ 50 L

Time to Repay (Tenure)

Years

0.25 YEARS3.5 YEARS

Rate of Interest

11.75 %34 %

‌Your EMI Amount

₹ 4,752

‌Total Payment

₹ 57,027

‌Interest Payable

₹ 7,027

APPLY NOW

Benefits of IIFL Personal Loan

IIFL Finance’s personal loan is a comprehensive product that offers instant funds up to Rs 5 lakh with a quick disbursal process. The funds can be used to fulfil capital requirements for domestic or international vacations, weddings, buying the latest gadget, pursuing higher education, purchasing a vehicle or even home renovation. As IIFL is one of the leading financial companies in India, their personal loans offer the highest monetary value.

IIFL Finance Personal Loan FeaturesProduct Features for Personal Loan:


Get Loans ranging from INR 5,000 to INR 5,00,000


100% online loan process - Only PAN, Aadhar & Bank Statement required


Disbursal within 24 hours


Rate of Interest - 11.75% - 33.75%


Minimum tenure is 03 months & maximum tenure is 42 months


Processing Fee is 2% - 4 %


Get a higher loan on successful repayment

Loan Amount: ₹20,000Tenure:180 days (6 months)Interest Charged: ₹ 1,426 (24% per annum)Processing Fee: 590 (2.5% of Loan Amount- 500 + GST @18%= 90)Amount Disbursed- 19,410EMI Amount: ₹ 3,571Loan amount is ₹ 20,000. Disbursed amount is ₹ 19,410. Total loan repayment amount is ₹21,426.

*The annual interest rates and processing fee will vary as per the risk profile of the customers and the selected tenure.

How to apply for a personal loan from IIFL Finance

IIFL’s personal loan application is easy, quick and hassle-free. All you have to do to get an instant personal loan is:


Fill the basic details.


Upload KYC documents.


Choose the Personal Loan Amount.


Click on ‘Submit’ to complete your application.

Personal Loan Rates and Charges

The rates and charges are predefined and are presented with utmost clarity to ensure there are no hidden costs. The loan process ensures that you understand the amount you will have to pay to avail of the personal loan online, and how you can calculate your loan EMI.

With a customer-oriented and transparent loan process, you do not have to pay more than the pre-communicated rates and charges.

INTEREST RATE0.79% onward p.m.
(6.48% - 27% p.a.)

Rates vary according to the amount and tenure & Purity

PROCESSING FEE₹0 onwards

Varies depending on scheme availed

MTM CHARGES₹500.00

Valuing an asset to reflect its current market rate

READ MORE

Personal Loan Eligibility Criteria.


Age

23 years to 65 years*


Employment

Salaried Employees & Self Employed Individulas


CIBIL score

750 or higher

Monthly salary
Starting Rs. 22,000, based on your city of residence

What are the Documents Required forPersonal Loans

To ensure the highest customer safety and quick personal loan disbursal, the loan process requires some identity proof of the borrower.

Accepted documents:
Valid KYC through government-issued documents such as PAN Card, Aadhar Card, and Driving Licence along with a selfie.
Three months of bank statements for income proof.
Debit Card or Net Banking details for setting up e-mandate.
eSign or eStamp for quick personal loan disbursal.








IIFL BUSINESS LOAN IN 10 MINUTES


Business loans are vital for entrepreneurs looking to kickstart or expand their businesses. IIFL Finance’s range of financial products has continually innovated to cater to businesses that seek funds. IIFL Finance’s small business loan is designed to fulfil capital requirements for small and medium enterprises. The MSME business loan is a comprehensive product that offers quick funds to help you grow your small business and invest in vital infrastructure, machinery, plants, operations, advertising, marketing etc.

IIFL Finance’s online business loan is the ideal loan for a new business as a source of capital for all your business needs. The business loan interest rate is attractive and affordable to ensure you do not have to cut down on essential expenses of your business. Through extensive market research, the instant business loan process is tailored to ensure that it is at par with being the best business loan in India.





IIFL Finance offers an instant MSME loan perfect for small financial requirements. It is a 100% online process from application to disbursement. You do not need to visit any branch. Without the need for pledging assets and collateral, the small business loan is ideal for small businesses to avail of benefits such as:

Business Loan Eligibility Criteria
1.Established business operating for more than six months at the time of application.
2.Minimum turnover of Rs 90,000 in the last three months from the time of application.
3.The business does not fall under any category or list of blacklisted/excluded businesses.
4.The office/business location is not on the negative location list.
5.Charitable organisations, NGOs, and trusts are not eligible for a business loan.

Accepted documents:
Documents for 30 LakhsKYC documents – Identity proof and address proof of the borrower and all co-borrowersPAN Card of borrower and all co-borrowersLast (6-12 Months) months bank statement of main operative business accountSigned copy of standard terms (term loan facility)Additional document(s) may be required for credit assessment and processing of loan requestGST Registration.Previous 12 months’ bank statementsProof of business registrationPAN Card and Aadhar Card copy of the Proprietor(s).Deed copy and company PAN Card copy in the case of partnerships

बुधवार, 12 अक्टूबर 2022

Need A Business Loan?

 

 Business Loan 

 What is a Business Loan

A business loan can be availed by a business man with the intention of using it for expanding an existing business and infuses capital. This is an unsecured loan wherein no collateral is involved.

 Who can avail a Business Loan? Business loans can be availed by self- employed individuals as well as firms and companies. Many Traders like retailers, wholesalers, Manufacturers in industries like chemicals, automobiles and pharmaceuticals, Service providers like doctors, chartered accountants and engineers also look for a business loan.

Forms Of Business Loans:

Term Loan : A short term finance in from of term loan lend by leading Banks and NBFC’s for a period ranging from 3 to 5 years. Overdrafts : A short term finance in form of a limit extended by Banks wherein only interest is paid on the amount utilized by the customer. Net Profit : A type of loan based on Net Profit (latest 2 years) of organisation Banking : A type of Loan based on Latest 1 year Banking statement of any organisation GST Returns : A type of Loan based on GST Returns(1 year) of an organisation.

1. Types of Clients : a) Self Employed (Professional) b) Self Employed (Business) 

2. Documents Required : 

a) Self Employed (Professional) :  

• In case of    Proprietor : PAN Card and Aadhar Card   

Partnership : PAN Card and Aadhar Card of all the Partners   

Private Company : Company's Pan card, KYC's of all Directors (PAN Card and Aadhar Card)  

• Last 3 years    Income Tax Returns along with the computation of Income , CA Certified/Audited Balance Sheet and Profit & Loss Account with all Schedules/Annexures  

• If audited then Audit report along with directors report, 3CB/3CD of latest 3 years  

• Business Stability Proof (Shop & establishment certificate / Trade license certificate / Factory registration certificate)  

• In case of    Company : Memorandum & Articles of Association   Partnership Firm : Partnership Deed  

• All bank statement of latest 1 Year  

• GST Registration Certificate  

• Ownership Proof (Residence/office) 

b) Self Employed (Business) :  

• In case of    Proprietor : PAN Card and Aadhar Card

3. Criteria : 

a) If Self Employed (Professional) : 

 • Minimum Net Profit per annum - Rs.2,50,000 

 • Rate of Interest varies from 14% to 24% 

 • Minimum CIBIL* Score required 650 

 • No EMI bounces within last 6 months 

 • For Professionals : Loan amount from Rs.1,00,000 to Rs.50,00,000 

 • Loan repayment period from 12 months to 36 months 

 • Age limit - 23 years to 60 years

Apply Now 




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रविवार, 9 अक्टूबर 2022

मंगलवार, 4 अक्टूबर 2022

Need A Personal Loan?

 Personal Loan

 What is Personal Loan? A personal loan is a short term unsecured loan to meet current financial needs related to vacations, unexpected medical expenses, festival celebrations, renovation or any other financial matters.

 2. Documents Required : 

a) Salaried Individual : 

• Latest 3 Months Salary Slips 

• KYC (PAN Card and Aadhar Card) 

• Form no.16 or ITR 

• Appointment Letter/ increment letter or experience letter of previous job (in case of new job) 

• Last 6 months Bank Statement 

b) Self Employed (Professional) : 

• Business Stability Proof (Shop & establishment certificate / Trade license certificate / Factory registration certificate) 

• KYC (PAN Card and Aadhar Card) 

• Ownership Proof (Residence/office) 

• Last 3 years Income Tax Returns along with the computation of Income, CA Certified/Audited Balance Sheet and Profit & Loss Account with all Schedules/Annexures 

• Office Address Proof 

• Latest 12 months Bank Statement

3. Criteria: 

a) If Salaried Individual : 

• Minimum Net Monthly Salary : `25,000 

• Company type should be either Private Limited or Public Limited 

• Rate of Interest varies as per bank norms 

• Minimum CIBIL Score Required : 650 

• No EMI Bounces within 6 months 

• Repayment period : 12 months to 60 months 

• Loan Amount : 1,00,000 to 25,00,000 

• Age Limit : 21 years to 60 years 

b) If Self Employed (Professional) : 

• Minimum net profit per annum : `2,50,000 

• Profession Type : Doctor, Engineers, CA’s Etc. 

• Rate of Interest varies as per bank norms 

• Minimum CIBIL Score Required : 650 

• No EMI Bounces within 6 months 

• Repayment period : 12 months to 60 months 

• Loan Amount : 1,00,000 to 12,00,000 

• Age Limit : 21 years to 60 years

Apply Now