Get a Personal Loan in Kolhapur of up to 10 Lacs

  • Completely digital applicant
  • Attractive interest rates
 

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Personel Loan

We are thrilled to announce a personal loan finance company in Kolhapur. Get a personal loan and other financial Personal loan services in Kolhapur from InvestKraft. Serving both salaried professionals and company owners, InvestKraft is excited to offer personal loans to all.

A rapidly growing technological business in India called InvestKraft is dedicated to meeting the varied financial needs of our society. Our committed team of specialists at the personal loan agency in Kolhapur can assist you in obtaining both short-term and long-term personal loans.

With InvestKraft in Kolhapur, choosing a personal loan assures a special and quick experience and will help individuals with their financial problems. Get a unique personal loan in Kolhapur experience by simply entering the required documents to establish your eligibility.

Features/Benefits of Investkraft’s Personal Loan in Kolhapur

With a broad range of expertly crafted personal loan options to choose from, Investkraft can help you get an immediate personal loan in Kolhapur that will meet your specific financial demands. Here is what to expect:

  • Flexible Repayment options: Ease the repayment of the loan by choosing 60-month repayment options with flexible period lengths.
  • Loans with no security: get a collateral-free personal loan from Investkraft and ease the process.
  • Quick Approval Process: Take advantage of our quick loan application approvals to ensure that you receive the money you require without having to wait too long.
  • Adjustable Interest Rates: We offer interest rates that can be changed to reflect your financial situation, giving you a customised borrowing experience.
  • Easy Documentation: We follow an easy documentation procedure.
  • Online Loan Application: To get an easy personal loan in Kolhapur, you can effortlessly apply online.
  • Faster Loan Disbursal: Get loan disbursal fast with Investkraft.

Investkraft is the clear choice for acquiring a simple and individualized personal loan in Kolhapur.

Eligibility & Documentation

InvestKraft provides a rapid and easy Personal Loan in Kolhapur, whether you are self-employed or employed by a company. We are aware that sometimes you need money right away, so we have made the loan application process simpler using an intuitive digital application method. Here are the essential requirements for a personal loan to help you determine your eligibility:

    • Minimum age should be 21 years.
    • Maximum age maturity should be 60 years or retirement age whichever is earlier.
    • The minimum net monthly income should be Rs.25000 for online application.
    • Should have finished at least 2 years in employment and 1 year in the existing organisation.
    • Should have completed a minimum of 1 year of stay at the current residence, if rented.

    Our dedicated team of experts in personal loans is here to make the process even easier and more enjoyable for you.

    Documents Required

    Investkraft as a personal loan provider in Kolhapur, provides for a simple application procedure. We reduce the paperwork needs to a minimum so that you may easily get the funds you desire. We simply require a few key papers to confirm your eligibility and commitment to timely repayments.

    We would need identifying documents (AADHAAR, PAN, Passport, driver's licence, and voter ID) from individuals receiving a salary, as well as income documentation (FORM 16/ITR OF 3 YEARS), and a bank statement for the three months before. If you want to apply for a personal loan in Kolhapur as a self-employed person, we will require some documents such as your income tax returns, audited balance sheet, bank statement, etc.

    For Salaried Individuals

    • Proof of Identity :
    • Self-attested photocopy of any one of the following:
      • Driving license
      • Passport
      • Voters ID
      • Aadhaar
      • PAN

    • KYC::
      • Valid identity/Residence/Signature proof
    • Income proof::
      • Form 16/ITR for last 3 years
      • Latest 3 months salary slip
    • Banking:
      • Latest 3 months’ Salary Credit Bank Statement.

    For Self-Employed Individuals

    • Identity & Age Proof
    • Completely filled personal loan application with photograph
    • PAN Card
    • Residence proof - Passport driving licence, Voter ID, postpaid/landline bill, utility bills (electricity/water/gas)
    • Bank statements for the last 3 months(preferably your salary account)
    • Salary Slips of last 3 months
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

    Interest Rate & Charges

    Investkraft offers personal loans in Kolhapur at reasonable interest rates to enable easy and quick access to funds. We are conscious of the significance of financial help in people’s lives. Our affordable interest rates allow you to borrow money from us and easily repay it in monthly installments. We stand out because of our commitment to openness; after the loan has been accepted, we guarantee there won’t be any additional fees; you just pay what was agreed upon.

    With Investkraft, you may apply for a personal loan with confidence since you’ll get fair conditions and excellent service. We want to make the borrowing process as simple as we can while prioritizing your financial needs.

Get to know the major benefits & features of obtaining a personal loan from Investkraft. They are sure to compel you take a personal loan from us today.

Minimal Documentation: Provide only a few straightforward papers for verification in addition to fulfilling the straightforward requirements for a personal loan.

Normative Rates: With Investkraft, you receive a favourable interest rate, clear terms and conditions, and no additional costs.

Easy Application: Since all our business processes are based on the latest technology, get a hassle-free personal loan experience with Investkraft.

Faster Disbursal: Once the given information is properly verified, we make no delay in the disbursal of the approved amount right in your bank account.

Personal Loan Eligibility Criteria

Most banks and NBFCs provide personal loans, although there are various <a href="https://www.investkraft.com/personal-loan-eligibility-and-documentation" class="bodytext-color"> eligibility criteria.</a> Yet, all financial institutions must meet a particular set of standards. The following requirements must be met in order for salaried and self-employed people to be approved for an online personal loan:

  • Minimum age should be 21 years.
  • Maximum age maturity should be 60 years or retirement age whichever is earlier.
  • Minimum net monthly income should be Rs.25000 for online application.
  • Should have finished at least 2 years in employment and 1 year in the existing organisation.
  • Should have completed minimum 1 year of stay at the current residence, if rented.

Documents Required

  • Proof of Identity :
  • Self-attested photocopy of any one of the following:
    • Driving license
    • Passport
    • Voters ID
    • Aadhaar
    • PAN

  • KYC::
    • Valid identity/Residence/Signature proof
  • Income proof::
    • Form 16/ITR for last 3 years
    • Latest 3 months salary slip
  • Banking:
    • Latest 3 months’ Salary Credit Bank Statement.

For Self-Employed Individuals

  • Identity & Age Proof
  • Completely filled personal loan application with photograph
  • PAN Card
  • Residence proof - Passport driving licence, Voter ID, postpaid/landline bill, utility bills (electricity/water/gas)
  • Bank statements for the last 3 months(preferably your salary account)
  • Salary Slips of last 3 months
  • Last 3 years Income Tax Returns with computation of Income
  • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

Interest Rates & Charges

Investkraft offers personal loans with competitive interest rates, low processing fees, a simple approval process and speedy disbursements. Whether you have a wedding, home renovation or vacation in mind, Investkraft can help you achieve your goals. Personal loans are available starting Rs. 50,000 and go up to Rs. 20 lakhs, with less paperwork required

Make sure to carefully review the personal loan interest rates and fees provided below to make an informed decision. The rates and fees may vary based on the duration of your loan and any additional charges that may apply, if you modify your payment terms, will also be outlined

In addition to the bank loan interest rates, there are also fees associated with late or missed payments, as well as fees for making extra payments or paying off the loan early. It is important to carefully consider both the interest rates and fees when evaluating a loan to get the most out of it.

>Rate of Interest 10.49% to 21% per annum
Repayment instruction / Instrument return charges Rs.339/- per instance of dishonor of cheque /SI/ECS/NACH debit instruction + GST as applicable
Swap charges (Cheque/Instrument) Rs.500/- per instance + GST as applicable
Penal Interest @ 24% per annum i.e. 2% per month on the overdue installment.
Duplicate statement issuance chargesRs.250/- per instance per set + GST as applicable.
Duplicate Amortization schedule issuance charges Rs.250/- per instance per set + GST as applicable.
Credit Information Companies (CICs) Report Issuance Charges Rs. 50/- per instance per set + GST as applicable.
No Dues Certificate generation charges (Duplicate) Rs.50 per instance per set + GST as applicable.
Stamp Duty Charges As per State Stamp Act
Part Payment / Pre-Payment Charges5% + GST (As applicable)
*Pre payment charges shall be charged on principal outstanding. *Part payment charges shall be charged on the amount of part payment.

Monthly EMI

₹ 8,676

Loan amount

₹10,000
₹1,00,00,000

Rate of interest (p.a)

%
1 %
50%

Loan tenure

1 Years
30 Years
...

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IN 3 EASY STEPS

Your dreams matter to You and Us and we promise to do our best to help you achieve those dreams!

Apply Personal Loan
 

1Check eligibility

Use our personal loan eligibility calculator to check your eligibility.

 

2 Submit the docs

Next, submit the required documents online and click Submit

 

3 Submit application

Verify the submitted information and click on Submit for further processing.

 

Instant Personal Loan For All Your Needs

Zero Worries About Money

Choose from our specially curated personal loans for every need, like vehicle, shopping, travel, wedding and others.

Get Cash at Your Fingertips With Our Personal Loan. Apply Now!

Low Rates. Fast Approval. Easy Repayment Options.

Frequently asked questions

Maximum loan amounts vary based on income, creditworthiness, and policies. Use our calculator or get in contact with a personal loan agent in Kolhapur

A set monthly payment that includes both the principal and interest on your personal loan is known as an EMI or Equated Monthly Instalment. This enables you to simply and consistently make reasonable payments against the principal of your loan.

InvestKraft personal loans typically have terms of one to five years. You may choose a repayment plan that meets your needs financially and ensures reasonable EMI payments.

Yes, prepayment of a debt is a possibility. Investkraft provides the best personal loan service in Kolhapur. To learn more, speak with our customer service.

No, there isn't an adjustable interest rate option available for the InvestKraft personal loan.
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