Personal Loan in Varanasi

If search online for what the city of Varanasi is known for, Google will tell you that it is famous for its production of silks and brocades with gold and silver threadwork. Varanasi is also known as the spiritual capital of India as it is home to some of the most famous temples.

As a resident, you may know where to get the best quality silk and when to visit the Kashi temple. But who would you approach if you need quick funds to avert a financial crisis? Finnable’s personal loans in Varanasi can give you the reprieve you need when you need funds quickly. 

Availed as a collateral-free loan, you can get instant personal loans through Finnable’s personal loan app. The maximum amount you can borrow as a loan is Rs. 10 lakhs.

You can take a short-term loan with loan tenure starting at 6 months. A long-term loan can also be availed for a maximum of 60 months. 

In case you have already availed of a personal loan in Varanasi and need additional funds, you can just apply for a top-up loan.

personal loan eligibility

Personal Loan Eligibility

The eligibility for personal loan is the requirements that you will need to meet when you want to take a personal loan in Varanasi. These include:

  • Indian citizenship
  • Aged between 21-45 years
  • Holding full-time employment in a government or private company for more than 3 months
  • Having total work experience of more than 6 months
  • Rs. 20,000/- in-hand salary as a Tier I applicant and Rs. 15,000/- in-hand salary of a Tier-II applicant.
  • Income is credited into your bank account

Required Documents

These documents will need to be submitted when you are filling out the application form for a personal loan for the salaried: 

  • PAN card
  • Aadhar card
  • Income proof for 1 month 
  • Bank statement for 3 months
Personal Loan in Calicut

How to Apply For Personal Loan in Varanasi?

Online personal loans from Finnable can be applied for through the personal loan app. The process is quick and simple. All you will need is the online loan app. This is available on Play Store and App Store.

  • After the completion of the download, you will have to create your profile. Add your personal and employment details.
  • Set the terms. Choose the loan amount and the personal loan tenure. 
  • Upload all the required documents. 

These documents will be verified. On completion of the verification process, the funds from your instant loan will be credited into your bank account.

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To know your EMI, you will need to first know the principal amount, the personal loan interest rate, and the loan tenure. Once you have decided on the amount and tenure, you can use the personal loan EMI calculator to calculate the EMI. 

If you wish to do a manual calculation, you can use this formula:

EMI= PxRx[(1+R)^N]/ [(1+R)^N-1]

The benefits of a personal loan are as follows:

  • These are collateral-free loans and you do not need to pledge any security against the amount availed.
  • The process is quick and simple
  • Documentation is minimal
  • Disbursal is within  a few hours
  • Personal loans can be availed to pay for any personal expense.

Personal loan interest rates are the charges or the cost levied on the principal amount. The interest rates at Finnable start at 16% up to 26%.