Personal Loan


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Personal Loan in Pune

A personal loan is utilized by an individual to fulfill personal and professional obligations. These obligations are short term in nature and hence cash is needed on an immediate basis to tackle with the situation. A personal loan is very famous out of all the other financial instruments. It is famous as you can utilize the loan amount for almost any expense. You need not mention the reason to the lender for availing a personal loan in Pune.
A personal loan is utilized by an individual to fulfill personal and professional obligations. These obligations are short term in nature and hence cash is needed on an immediate basis to tackle with the situation. A personal loan is very famous out of all the other financial instruments. It is famous as you can utilize the loan amount for almost any expense. You need not mention the reason to the lender for availing a personal loan in Pune.
Pune is known as the “Oxford of the East” due to the presence of several well known educational institutions. It is also the cultural and industrial hub of Maharashtra. Hence there is need of funds for education and also for trading and business. Hence an individual takes a personal loan in Pune to fund their education and other expenses. The loan process involves a criteria set by the lender which the borrower has to follow.

Why Choose Ruloans To Apply For Personal Loan in Pune?

Ruloans is India’s fastest growing financial distributors. We have been in this industry for much over a decade and have helped our customers borrow right. With our highly experienced team of individuals who have a lot of knowledge in the loan business, we provide valuable insights to our customers and provide them with services that are “much more than money”. We have partnered with over 50 plus private banks and NBFCs and hence can use our expertise to give our customers the service they desire.

Hassle free process

The process set by Ruloans for their customers is very user friendly. We have ensured that the average customer finds our page and can operate on it without any hassle. Our highly proficient loan calculator helps the customer get an idea regarding what kind of an EMI they need to repay towards the personal loan in Pune.

Benefits of applying with us

Being in the industry over a decade has given us a lot of experience and expertise in the form of skillful and knowledgeable staff. Our staff uses this experience to help each and every customer to borrow right and get a personal loan in Pune.

Compare your loan options

The customer can compare loan options using the loan calculator and also choose their lender. This makes the loan process simple for the customer and they can choose the lender as per their requirement.

Free expert guidance and advice

The loan industry is ever growing and hence in order to give our customers the best service, our staff remains up to date with the latest trends in the industry. Using that information and their knowledge, we give our customers the best services. All of this is provided for free and not a single penny is charged from the customer.

Privacy policy

Privacy of the customer’s data is of the utmost importance to Ruloans. All the documents of the customer are only given to the lender of their choosing. One set of documents remain with us. There is no other party which gets this information and we keep the customer’s data safe.

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

There are many benefits of taking a personal loan in Pune. We have listed few major benefits below;

  • Easy availability:One benefit of a personal loan in Pune is that it is easily available. This is because of the popularity of the personal loan with the customers in the market. You can easily avail a personal loan in Pune with the right set of documents within 24-48 hours*.
  • Minimum documentation:Personal loan in Pune is unsecured. Hence there is no collateral. This helps in documentation as when a collateral is involved, there are extra documents needed which are related to the property. Since there is no collateral on a personal loan in Pune, the documents needed by the lender is also very less.
  • The loan is approved quickly:An individual needs to fulfill the eligibility criteria set by the lender. Once he/she can fulfill the criteria, the lender can approve the personal loan in Pune as quick as within 24-48 hours*.
  • Multi-purpose loan:One major benefit of a personal loan in Pune is that it is a one stop solution for all of your problems. It helps an individual clear out short term obligations immediately.
  • Flexible type of loan:On the basis of your credit score, you can get flexible options by the lender. If your credit score is very good, the lender will not only give you a low rate of interest but also lessen or waive off certain charges related to the personal loan in Pune..

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

For every type of a loan, there is certain criterion that needs to be fulfilled. Once an individual fulfills these criteria, he/she can avail a personal loan in Pune immediately without any hassle. Also the list of documents required by lenders is different for each lender. There are few documents however which are similar for all the lenders. We have listed these documents below;


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?


We have listed few documents that an applicant will need to submit to the Bank/NBFC in order to avail for a personal loan in Pune.
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 Pune on Ruloans?

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


How to Apply For a Personal Loan in Pune on Ruloans?
Step 1 First, you will have to visit the ‘Personal Loan in Pune’ 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 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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