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Is HDBFS Personal Loan a Viable Option?

Today, the need for personal financing is more than it has ever been. This is mostly because of the technological and internet boom that India has seen in the past couple of years. People are slowly getting used to technology. u201cGetting used to itu201d is a historical thing, I must rephrase u2013 They are glued to their phones consuming wide variety of content. Online shopping has also paced up with the technological boo. To enjoy technological and other goods, people are resorting to personal financing options like never before, especially millennials. So, if you are looking for a personal loan finance need to fulfill your urgent needs, HDBFS Personal Loan can be your go to option. This is a personal loan provided by one of the renowned NBFCs (Non-Banking Financial Companies) in the finance sector. It is available at affordable interest rates and with a minimum documentation policy. Letu2019s discuss some more features of the HDBFS Personal Loan.

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Is HDBFS Personal Loan a Viable Option?

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  1. Is HDBFS Personal Loan a Viable Option?

  2. Today, the need for personal financing is more than it has ever been. This is mostly because of the technological and internet boom that India has seen in the past couple of years. People are slowly getting used to technology. “Getting used to it” is a historical thing, I must rephrase – They are glued to their phones consuming wide variety of content. Online shopping has also paced up with the technological boo. To enjoy technological and other goods, people are resorting to personal financing options like never before, especially millennials. So, if you are looking for a personal loan finance need to fulfill your urgent needs, HDBFS Personal Loan can be your go to option. This is a personal loan provided by one of the renowned NBFCs (Non-Banking Financial Companies) in the finance sector. It is available at affordable interest rates and with a minimum documentation policy. Let’s discuss some more features of the HDBFS Personal Loan.

  3. What are the Features of HDBFS Personal Loan? Loan Amount: HDBFS wants you to enjoy every precious moment of you life to the fullest. To bring this into immediate action, it ensures that you have access to high loan amount. In certain cases, HDBFS has offered personal loans that go upto INR 20 lakh. There are few NBFCs that extend such high loan amounts to their customers.

  4. No Collateral/Guarantor: The personal loan offered by HDBFS is an unsecured loan, which means, the NBFC doesn’t ask you to pledge any kind of securities in order to disburse the loan. Even, it doesn’t ask for any guarantor to be included to avail the loan. All they ask of you is to meet the loan eligibility criteria and submit the stipulated document to back the eligibility.

  5. Attractive Rate of Interest: Guilt is the feeling that HDB Financial Services (HDBFS) wants to take it away from you. This is why HDBFS Personal offers low interest rates so that the repayment of loan doesn’t seem as a burden to you. The rate of interest is also customizable, which means that it is negotiable. You can negotiate with the NBFC to give you the lowest possible interest rate if you have a strong point like a good CIBIL score.

  6. Customized Offerings: Different persons have different loan requirements to meet unique needs. So how can banks and NBFCs has one type of loan for everyone. This is where the HDBFS scores up. It offers personal loan on a customizable basis. You can tell your requirements and other details, basis which the NBFC makes customized personal loan offerings to you.

  7. Quick and Speedy Disbursal: As soon as the loan is approved, the disbursal of loan amount happens within minutes into your bank account. In some instances, the loan amount is disbursed within seconds after the time of approval. HDBFS believes that you should fulfill your needs as soon as possible. Special Offer for Employees of Select Companies: HDBFS Personal loan offers irresistible offers to people working some renowned multinational and private companies.

  8. What is the Eligibility Criteria to Avail the HDBFS Personal Loan? Salaried Individuals: • Minimum age of the applicant should be 21 years. • Maximum age of the applicant should be 60 years at the time of maturity. • Minimum 1 year of work experience with the current employer • Minimum Salary Requirements : INR 20,000 per month for metro city residents and INR 15,000 for all other locations.

  9. Self-Employed Individuals: • Minimum age of the applicant should be 21 years. • Maximum age of the applicant should be 60 years at the time of maturity. • Minimum 3 years of experience in the business for self-employed professionals and minimum 4 years for self employed individuals. • Minimum annual income: INR 1 lakh per annum or metro cities and INR 75,000 per annum for all other locations.

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