Personal Loan

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Personal Loan in Jodhpur

A personal loan serves as a solution to all the short term obligations an individual needs to fulfill. A personal loan is an unsecured loan. It is unsecured because one does not need to pledge any collateral with the lender. The rate of interest is high because there is no collateral. Many leading Banks and NBFCs provide personal loans in Jodhpur to their customers without the customer disclosing why the loan is needed.
Jodhpur, a city full of culture is one of the most famous handicrafts industrial cities of India. It is also a very popular tourist spot. The residents in Jodhpur avail various types of loans out of which they favor personal loans the most. The reason why they favor a personal loan is because it is a multipurpose loan. This loan fulfills personal and professional obligations. Expenses related to education, medical and travel can be utilized by taking a personal loan in Jodhpur.
The rate of interest for a personal loan in Jodhpur starts from 11.29%* onward. The loan amount is given for a specific tenure and is usually around 5 to 7 years. Banks and NBFCs will analyze the applicant’s financial profile. They will also check his/her credit score and derive your ability to repay the loan without any defaults.

Why Choose Ruloans To Apply For Personal Loan in Jodhpur?

Ruloans is India’s fastest growing financial distributor. We have been in the loan distribution industry for over a decade. We have partnered with over 50 private banks and NBFCs. With every year not only has our expertise grown but also our staff has grown too. Our staff hails experience in this industry of a high level and using their skills and knowledge we pledge to provide our customers something which is “much more than money”.

Hassle free process

In today’s time, everyone has adapted to the digital world. Keeping a complex process online will not help the average customer. Hence we have kept our interface very user friendly so that the customer has no hassle while applying online.

Benefits of applying with us

Our experience in the field of loans has helped us by partnering over 50 private banks and NBFCs. You can always expect the best services from us to get a personal loan in Jodhpur.

Compare your loan options

The web portal in Ruloans is designed in such a way that our customers can compare loan options with respect to the rate of interest, tenure, EMI and also the different lenders that offer Personal loan in Jodhpur. This helps them understand what rate is running in the market and how they can capitalize on the best deals.

Free expert guidance and advice

Ruloans offers guidance and expertise to its customers all throughout the year without charging a single penny from them. Yes, you heard it right. We provide all these services free of cost.

Privacy policy

Our privacy policy is very important to us. We assure our customers that their data in no way will be leaked to any 3rd party. The documents are only with us and with the lender you choose to take the loan from.

What are the Features & Benefits of taking a Personal Loan in Jodhpur?

A personal loan in Jodhpur is a multipurpose loan. Hence in times of need, you can utilize the funds and accordingly clear your short term obligations. There are many benefits while applying for a personal loan in Jodhpur;

  • Easy availability: Personal loan in Jodhpur is favored by everyone and hence it is easily available. Many Banks and NBFCs keep a process that is very quick and easy in disbursing the loan amount to the applicant. On Ruloans web portal you have the complete authority to choose your own lender.
  • Minimum documentation: A personal loan in Jodhpur is an unsecured loan. There is no collateral against the loan. Hence the documentation is minimal when compared to other type of loans.
  • The loan is approved quickly: As per the loan process, once the applicant has successfully completed his/her online application and also uploaded the necessary documents, Banks and NBFCs can approve a personal loan in Jodhpur as quick as within 24-48 hours*.
  • Multi-purpose loan: A personal loan in Jodhpur is beneficial for an individual when they have not only personal but also professional obligations. The applicant is not under any obligation to disclose why the personal loan is needed to the Bank/NBFC.
  • Flexible type of loan: A personal loan in Jodhpur is also a flexible type of a loan. The flexibility depends on your credit history. Yes, if your repayment history with previous personal loans or credit cards is very good without any defaults, then the Bank/NBFC can lower the rate of interest on your personal loan and also allow few benefits and waivers on fees.

What are the Eligibility Criteria to avail a Personal Loan in Jodhpur?

For every kind of a loan, there is an eligibility criteria set by the Bank/NBFC. These are different for different vendors. To avail a personal loan in Jodhpur, the applicant will need to fulfill the criteria set by the lender. Once they fulfill the criteria, they can avail a quick personal loan in Jodhpur.

Particulars Salaried Borrowers Self-Employed Borrowers
Age 21 years to 60 years 23 years to 60 years
Income Rs. 15,000 (Rs. 20,000 in metros) Turnover of minimum Rs. 24,00,000 (differs for professional and non-professional)
Maximum Loan Amount Approved Rs. 15,00,000 Rs. 15,00,000 to 20,00,000
Minimum Loan Amount Approved Rs. 75,000 Rs. 75,000 to Rs. 3,00,000
Loan Tenure 12-72 months 12-48 months
*Please note that the eligibility criteria will always differ from lender to lender. The above details listed are generic and hence are not specific to just one lender.

What are the Documents Required to avail a Personal Loan?

There are different sets of documents that an applicant will need to submit to the Bank/NBFC in order to avail for a personal loan in Jodhpur.
Particulars Salaried Borrowers Self-Employed Borrowers
Identity Proof Passport, Driving License, Voters ID or PAN Card Passport, Driving License, Voters ID or PAN Card
Address Proof Passport or utility bills Passport or utility bills
Bank Statement Latest 3 months of Salary Account Last 6 months
Additional Documents Salary slips for last 3 months Proof of highest professional degree
2 year employment continuity document Latest Income Tax Return Balance sheet
Profit and Loss for last 3 years certified by CA
*Please note that the eligibility criteria will always differ from lender to lender. The above details listed are generic and hence are not specific to just one lender.

How to Apply For a Personal Loan in Jodhpur on Ruloans?

You only have to go through 5 steps to apply for a personal loan in Jodhpur on Ruloans:

How to Apply For a Personal Loan in Jodhpur on Ruloans
Step 1 First, you will have to visit the ‘Personal Loan in Jodhpur’ page on our website and click on ‘Check Your Eligibility’ box.
Step 2 Then you will need to fill out personal and financial information. Once you complete those details, our loan calculator will check your eligibility with its highly efficient algorithm.
Step 3 As per the details entered by you, our loan calculator will provide you with a list of banks and NBFCs that are most suitable for you as per the eligibility criteria. This list will include names of all the financial institutions, their interest rates on offer, required list of documents etc.
Step 4 Once you go through the list, research and choose the lender of your choice. You can start filling up the form and then upload the required documents. In case you feel you have a doubt or need any assistance, please do not hesitate in calling our experts for advice. You can also drop us an email and our representative will help you. The contact details are given on our website.
Step 5 As we spoke above about privacy and how we are strict regarding it, your application will be sent electronically to the Bank/NBFC you selected. There is complete privacy. Also, you will be informed about the status of your application via SMS, email or you can track it via our website too.

Frequently Ask Questions

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