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Personal Loans

A personal loan is a credit facility that does not require collateral and is offered by banks and NBFCs to employed individuals.

Benefits

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Rapid disbursal ensures timely access to funds.

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Simplified application process with minimal documentation requirements.

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Flexible use of funds tailored to your needs.

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Access to substantial loan amounts, potentially exceeding Rs. 40 lakh based on lender approval.

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Eligible borrowers may qualify for pre-approved loans with instant disbursal.

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Choose from various repayment terms, with options extending up to 5 years or more.

Eligibility Requirements for Personal Loans

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Age: Applicants should be between 18 and 60 years old.

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Income: Salaried individuals must have a minimum monthly income of Rs 15,000.

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Credit Score: A credit score of 750 or higher is preferred, as it improves the chances of loan approval and may qualify you for lower interest rates.

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Employment: Only individuals whose salaries are credited to a bank account are eligible.

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Employment Stability: Applicants should have at least one year of continuous employment, with at least six months in their current job.

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Residency: Proof of stable residency, typically at the current address for at least one year.

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Documentation: Required documents include identity proof, address proof, income proof, and bank statements.

Understanding the Annual Percentage Rate (APR) on Personal Loans

At RupeVal, we connect borrowers with a network of trusted lending partners, offering personal loans with APRs typically ranging from 11.29% to 35%. The actual rate depends on your financial situation and loan requirements, ensuring you get a personalized offer.

Key Features of RupeVal's Personal Loans

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Flexible Loan Terms: Loan durations range from a few weeks to a maximum of 60 months (5 years), providing you with options that fit your financial planning.

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Competitive APRs: With APRs starting at 11.29%, we strive to offer you the most favorable rates available through our partners.

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Transparent Fees: All fees, including processing charges, are clearly outlined in the loan agreement to help you understand the total cost of your loan.

Example Loan Scenario

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Loan Amount: ₹5,00,000

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Annual Interest Rate: 11.50%

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Repayment Tenure: 5 years

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Processing Fee: 1.5% of the loan amount (₹7,500)

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APR: 12.16%

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EMI: ₹10,996 per month

Breakdown

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Principal Amount: ₹5,00,000

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Total Interest Charges (at 11.5%): ₹1,59,778

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Loan Processing Fees (at 1.5%): ₹7,500

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Total Amount Paid after 5 Years: ₹6,67,278

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Note: Interest rates and processing fees may vary based on the lender's policies and the specific loan product you choose.

Why Choose RupeVal for Personal Loans?

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Personalized Loan Offers: We match you with loan offers tailored to your financial profile and needs.

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Fast Approval Process: Our streamlined application process ensures quick approval and disbursal.

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Secure and Confidential: We prioritize your privacy and security, ensuring your personal information is protected.

How to Apply for a Personal Loan with RupeVal

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Submit Your Application: Fill out our easy online application form with your basic details.

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Get Matched: Receive loan offers from our lending partners.

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Choose Your Offer: Select the loan offer that best suits your needs.

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Receive Funds: Once approved, the funds are disbursed directly to your account.

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Disclaimer: RupeVal functions as a loan aggregator and provides services on behalf of its partners, who are duly authorized for this purpose.

Office Address

AN 85 Shakuntala Nagar

Rajharsh Colony Kolar

Bhopal, Madhya Pradesh 462042