Kolkata, the capital of West Bengal was known as Calcutta until 2001. Situated on the banks of the Hooghly River, this commercial and financial hub of Eastern India ranks seventh-most populous city and third-most populous metropolitan area in India. Regarded as the Cultural Capital of India, Kolkata houses cultural institutions such as the Academy of Fine Arts, the Victoria Memorial, the Asiatic Society, the Indian Museum, and the National Library of India.
Should you come to face an unanticipated financial condition, or an emergency expense such as a medical or health expense, or an urgent travel expense, which might make you despondent while employed and living in this capital region of West Bengal, you would want complete financial guidance to see you through. Such times of difficulties can be tackled with the assistance of RULOANS personal loans in Kolkata on prudent terms. We at RULOANS are here to counsel you in your times of necessity at no extra expense.
Available as a loan that requires no collateral, you can avail of a personal loan easily on the basis of your income. A personal loan has many ends uses, some of which are listed below.
An emergency personal loan to finance sudden and unforeseen expenses
A personal travel loan that covers expenses while on vacation or a holiday
Meet marriage related expenses with a personal wedding loan for a special occasion
Pay off old debts and reduce interest payments with a personal debt consolidation loan
A personal home renovation loan to upgrade and improve your residence
Pursue higher studies with a personal education loan to cover your expenses
Basically, a short-term loan, the term of a personal loan ranges from 12 to 72 months. This means that you don’t have to burden yourself for a longer duration, and if you wish, you may close the loan conveniently at any time during the tenure in accordance with the policy of your bank. Approved and disbursed quicker than most loans within 24 to 48 hours, a personal loan in Kolkata requires minimal documentation such as KYC, income documents, and employment documents.
The term Loan Eligibility in broad terms refers to your ability or capacity to avail a personal loan from a bank or an NBFC. Lenders use Eligibility Criteria as a benchmark to decide the quantum of funds to be lent on the basis of your financial credentials such as your income, other obligations, an additional source of income, etc., subject to your age, which decides your personal loan tenure. Income and age are not the only criteria for determining loan eligibility. Combinations of other factors such as your employment, your CIBIL score, etc., are also used to determine personal loan eligibility. Eligibility Criteria required are as listed below
We at Ruloans are committed to making your borrowing process smooth. Documents required for a personal loan are minimal. We request you submit the correct information and papers so that your personal loan application can be processed in the shortest possible time. The documents required are as listed below.
Identity and Residence Proof
Employment Proof and Income
The advanced features of Ruloans’ Personal Loan EMI Calculator help you figure out the monthly installment pay-outs on your borrowings in an instant. Enter the Personal Loan Amount, the Rate of Interest, and the Loan Duration in the fields, and click on the Calculate button. The calculator designed for ease of use throws up the EMI Amount in a jiffy; this allows you to plan your loan and repayment efficiently.
To arrive at the preferred EMI amount, make changes to the required fields. If you wish to lower the EMI, reduce the loan amount or interest rate, and increase the tenure. Alternatively, increase the loan amount or reduce the tenure for higher EMIs. Click Ruloans’ Personal Loan EMI Calculator to calculate your Personal Loan EMI.
Among other financial products, Ruloans has a collection of Personal Loans offered by reputed Banks and NBFCs, for you to make a selection from according to your needs. Available both online and offline, you can be sure you have the best at your fingertips. Check out the interest rates offered by each of these financial institutions. Compare the latest personal loan interest rates, and processing fees offered by our partner banks and NBFCs.
Ruloans has partnered with several reputed Banks and NBFCs to offer you a selection of Personal Loans in Kolkata both online and offline. Take a look at our prestigious Partner Banks and NBFCs listed below.
HDFC Bank Ltd
Bajaj Finance Ltd
IDFC FIRST Bank Ltd
Axis Bank Ltd
Kotak Mahindra Bank Ltd
Aditya Birla Finance Limited
Axis Finance Ltd
Standard Chartered Bank
IndusInd Bank Interest Rates
IIFL Interest Rates
Muthoot Interest Rates
Most banks and lending institutions offer Personal Loan Interest Rates to a loan applicant after weighing factors such as his credit score, monthly income, occupation profile, etc. Hence, personal loan interest rates are offered by as many lenders as possible, based on the credit scores and other aspects of your credit profile. Consider the following to avail a personal loan at the lowest interest rate available.