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EMI Calculator IFSC Code Blogs FAQsKashmir valley is no doubt the most beautiful tourist places in India. The heaven on earth tag is always linked to Kashmir for its evergreen landscapes and snow-filled mountains. A visit to Kashmir should be included in your bucket list of every nature lover. The Shalimar gardens, the Dal Lake and the shikaras and Gulmarg are the utmost attractions here.
Main tourist attractions of Kashmir
Srinagar
Srinagar is one of the most beautiful places in Kashmir and a capital of Jammu and Kashmir. One can take a shikara ride on the peaceful Dal Lake, view the city from the top of Shankaracharya Temple and stay in the iconic houseboats on your next trip. Srinagar is home to the Shalimar Gardens that are on the back of the Rs. 10 Indian Currency Note.
Kashmir Valley
Kashmir Valley, the largest Himalayan valley, is an elliptical saucer shaped landmark of Kashmir. Surrounded by the Karakoram and Pir Panjal ranges, Kashmir Valley has a mesmerizing view in all the directions possible.
Pahalgam
It is surrounded by Lidder Lake and Betaab Valley, Pahalgam is the place you visit to experience clear water rivers and exhilarating deep valleys. This place is famous for river rafting at Lidder Lake, golfing and shopping for traditional Kashmiri items.
Gulmarg
It is the snow paradise of Kashmir. This skier’s paradise is popular for having one of world's highest and largest ropeways with an aerial distance of approx. 5kms. The view from top of the mountains at 3979 meters above sea level is bewildering. Snow falls are regular even during summer, giving every tourist a fair chance to enjoy the fall.
Sonmarg
It is also known as ‘the meadow of gold’ has one of the most picturesque views in Kashmir. Snow-clad mountains, green grasslands and ponies to ride on, this place is what they call, 'Jannat’ or heaven. Sonmarg is also one of the base points for starting the Amarnath Yatra. River rafting, zorbing, trekking are the various events conducted around the popular tourist spots. Sonmarg is inaccessible in winters due to heavy snowfall and avalanches.
Best time to visit Kashmir
Best time to visit Kashmir is during the months of March to August. During this period two seasons are covered in Kashmir. Spring (March-early May) and Summer (early May-late August). The blossoms of spring and the cool weather of summer creates the perfect season to visit Kashmir during this time.
Major fairs and festivals of Kashmir
Shikara Festival
The lifeline and identity of the Dal Lake in Kashmir, Shikara needs to be celebrated once in a year. To promote tourism, Kashmir's government began this festival in 2016. During the festival, Shikaras are painted and dressed beautifully. Shikaras participate in Shikara Race, Dragon Boat Race and Canoe Polo Match. Other cultural programs are also organized which will give you a glimpse of the culture of Kashmir. It takes place in the months of July or August.
Gurez Festival
People of Gurez hosts an annual festival in which they showcase their handicrafts, cuisines, and culture each year. Everyone comes together for the fest which also involves fun activities like river rafting, trekking, zorbing, cycling, etc. Many competitions such as painting and drawing also take place which witnesses huge participation. Many musical programs displaying Kashmiri culture are also a pleasure to attend. Gurez Festival is celebrated at the time of July or August in the scintillating valley of Gurez.
Lohri
Celebrated on 13 January every year, Lohri festival marks the end of peak winter celebrates the harvest of crops. It is a festival to celebrate the harvest of sugarcane crops in January. People light up a bonfire, sing songs, dance and eat winter delicacies made of corn, peanuts, sesame and jaggery. It is a popular festival in Punjab and Jammu.
Hemis Festival
Hemis Gompa is the largest and richest monastery in Kashmir, located in Ladakh where Hemis is celebrated with full zest and enthusiasm. It is considered as the state holiday. It is celebrated to commemorate the birth anniversary of Padmasambhava who is known as the founder of Tibetan Buddhism. It is a two-days celebration commences in the fifth month of the year, also called as Tibetan lunar month.
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A personal loan is a credit facility that does not require collateral and is offered by banks and NBFCs to employed individuals. IndiaLends, the largest online personal loan provider in the country, has assisted over 150,000 customers and collaborates with more than 70+ RBI-Approved partners to offer personal loans tailored to different customer profiles. Here are some notable features of the convenient personal loans available through IndiaLends.
Personal Loan Interest Rate
The interest rates offered to customers are subject to variation based on their individual profiles. Typically, loan rates begin at approximately 10.25%. To improve the likelihood of obtaining a loan at a lower interest rate, it is advisable to maintain a strong credit history. Ideally, a CIBIL score above 750 is considered favorable.
Personal Loan Tenure
The repayment period for a Personal Loan typically ranges from 3 months to 6 years, allowing borrowers to choose a tenure that aligns with their requirements. Whether one needs a short-term or long-term loan, they have the flexibility to select a suitable repayment duration. However, it is crucial to ensure that the Equated Monthly Installment (EMI) amount is manageable and can be comfortably repaid each month.
Documents required to apply for a Personal loan
Financial institutions typically require certain documents before approving and disbursing a loan. These documents include identification proof, address proof, a copy of the PAN card, salary slips, recent bank statements, photographs, ECS mandates, and post-dated cheques.
Personal Loan With Zero Pre-Payment Fee
Certain NBFCs offer customers the flexibility to fully repay the loan amount or make partial pre-payments towards the principal. However, specific terms and conditions are typically associated with such pre-payments. For instance, pre-payment is usually allowed after 12 months, and a pre-payment fee may be levied on the repaid amount. Nevertheless, these terms may vary depending on the product, so it is essential to seek clarification from your lender regarding pre-payment policies before the loan disbursal.
Low-Interest Personal Loan
As discussed earlier, the interest rates for personal loans can vary based on the customer's profile. IndiaLends employs algorithms to strive to obtain the most competitive interest rate product available for each customer.
Personal Loan From Banks
Banks are financial institutions registered with the Reserve Bank of India (RBI) and engaged in various activities such as accepting deposits and providing loans. In addition to universal banks, the RBI has recently introduced payment banks and small finance banks. However, only universal banks and small finance banks are authorized to lend to individuals. Applying through IndiaLends offers the simplest method to obtain a personal loan from the leading banks in the country. IndiaLends has established collaborations with renowned banks and NBFCs, including HDFC, ICICI, RBL, IndusInd, Kotak, Yes Bank, and more.
Personal Loan From NBFCs
NBFCs are non-banking financial institutions registered with the Reserve Bank of India (RBI), primarily engaged in lending to individuals and businesses. Unlike banks, NBFCs are generally not authorized to accept customer deposits. They rely on borrowing funds from banks for their lending activities, which often results in comparatively higher interest rates on Personal Loans than those offered by banks. Additionally, NBFCs tend to cater to a higher-risk profile segment, leading to higher acceptance rates for loan applications.
New To Credit Loans
Although CIBIL and Experian maintain records for more than 150 million individuals, a significant majority have never borrowed from an RBI-regulated financial institution that is a member of a credit bureau. As a result, these individuals lack a credit bureau record, meaning they have no credit history or credit score. Due to the absence of a credit file, they often encounter difficulties in securing loans from financial institutions. However, IndiaLends has forged special partnerships with various banks, enabling them to assist some individuals who are new to credit (with thin credit files) in accessing low-interest personal loans.
Recently Declined Personal Loan Application
A significant number of consumers face loan application rejections from banks due to factors such as inadequate credit history, limited affordability, insufficient supporting documents, and more. However, IndiaLends can assist some of these customers in obtaining affordable loans through collaborations with specialized NBFCs.
Banks and NBFCs Partners
IndiaLends has established partnerships with a comprehensive range of lending institutions, encompassing both prominent and smaller entities. Our collaborations include renowned banks such as HDFC, ICICI, SBI, Kotak, IndusInd, Tata Capital, Bajaj Finserv, IDFC First, IIFL, IndiaBulls, RBL Bank, DHFL, Aditya Birla Finance, American Express, among others, ensuring a wide array of options for our customers.
Loans For Phones / Desktops / Laptops And Tablets
IndiaLends offers easy installment personal loans starting from as low as Rs. 25,000 for customers who wish to purchase the latest gadgets, whether it's an iPhone 7 or a MacBook Pro. This allows individuals to acquire their desired gadgets through manageable loan amounts and easy repayment options.
EMI Without Credit Cards
While e-commerce marketplaces offer convenient EMI options for significant purchases, these benefits are typically limited to customers who already possess credit cards. Unfortunately, this privilege extends to only a small proportion of the population, approximately 10 million individuals across the country. However, IndiaLends provides an accessible solution through its online personal loan, enabling individuals to swiftly make large-ticket purchases on e-commerce platforms and convert them into affordable EMIs. This expands the opportunity for a broader segment of customers to enjoy the convenience of EMI-based shopping on e-commerce portals.
Credit Report
A credit report serves as a financial report card, encompassing historical data regarding an individual's loans and credit cards. Various types of loan accounts are included, such as Credit Cards, Personal Loans, Home loans, gold loans, Car loans, Two-Wheeler loans, business loans, Loan against Property, Agriculture loans, and more. Each account provides detailed information about repayment history, loan amount, tenure, open and close dates, and other relevant details. Credit Bureaus utilize this information to assess the risk associated with an individual, resulting in a credit score. The credit score ranges from 300 to 900, and a higher score increases the likelihood of loan approval. In India, there are four credit bureaus—CIBIL, Experian, Equifax, and Hi-Mark—providing credit scores to individuals. IndiaLends has partnered with Experian and Hi-Mark credit bureaus to offer its customers free credit reports and analysis. Additionally, IndiaLends customers also receive complimentary credit report refreshments every quarter for the first 12 months.
Personal Loan
A personal loan is a credit facility that does not require collateral and is offered by banks and NBFCs to employed individuals. IndiaLends, the largest online personal loan provider in the country, has assisted over 150,000 customers and collaborates with more than 70+ RBI-Approved partners to offer personal loans tailored to different customer profiles. Here are some notable features of the convenient personal loans available through IndiaLends.
Personal Loan Interest Rate
The interest rates offered to customers are subject to variation based on their individual profiles. Typically, loan rates begin at approximately 10.25%. To improve the likelihood of obtaining a loan at a lower interest rate, it is advisable to maintain a strong credit history. Ideally, a CIBIL score above 750 is considered favorable.
Personal Loan Tenure
The repayment period for a Personal Loan typically ranges from 3 months to 6 years, allowing borrowers to choose a tenure that aligns with their requirements. Whether one needs a short-term or long-term loan, they have the flexibility to select a suitable repayment duration. However, it is crucial to ensure that the Equated Monthly Installment (EMI) amount is manageable and can be comfortably repaid each month.
Documents required to apply for a Personal loan
Financial institutions typically require certain documents before approving and disbursing a loan. These documents include identification proof, address proof, a copy of the PAN card, salary slips, recent bank statements, photographs, ECS mandates, and post-dated cheques.
Personal Loan With Zero Pre-Payment Fee
Certain NBFCs offer customers the flexibility to fully repay the loan amount or make partial pre-payments towards the principal. However, specific terms and conditions are typically associated with such pre-payments. For instance, pre-payment is usually allowed after 12 months, and a pre-payment fee may be levied on the repaid amount. Nevertheless, these terms may vary depending on the product, so it is essential to seek clarification from your lender regarding pre-payment policies before the loan disbursal.
Low-Interest Personal Loan
As discussed earlier, the interest rates for personal loans can vary based on the customer's profile. IndiaLends employs algorithms to strive to obtain the most competitive interest rate product available for each customer.
Personal Loan From Banks
Banks are financial institutions registered with the Reserve Bank of India (RBI) and engaged in various activities such as accepting deposits and providing loans. In addition to universal banks, the RBI has recently introduced payment banks and small finance banks. However, only universal banks and small finance banks are authorized to lend to individuals. Applying through IndiaLends offers the simplest method to obtain a personal loan from the leading banks in the country. IndiaLends has established collaborations with renowned banks and NBFCs, including HDFC, ICICI, RBL, IndusInd, Kotak, Yes Bank, and more.
Personal Loan From NBFCs
NBFCs are non-banking financial institutions registered with the Reserve Bank of India (RBI), primarily engaged in lending to individuals and businesses. Unlike banks, NBFCs are generally not authorized to accept customer deposits. They rely on borrowing funds from banks for their lending activities, which often results in comparatively higher interest rates on Personal Loans than those offered by banks. Additionally, NBFCs tend to cater to a higher-risk profile segment, leading to higher acceptance rates for loan applications.
New To Credit Loans
Although CIBIL and Experian maintain records for more than 150 million individuals, a significant majority have never borrowed from an RBI-regulated financial institution that is a member of a credit bureau. As a result, these individuals lack a credit bureau record, meaning they have no credit history or credit score. Due to the absence of a credit file, they often encounter difficulties in securing loans from financial institutions. However, IndiaLends has forged special partnerships with various banks, enabling them to assist some individuals who are new to credit (with thin credit files) in accessing low-interest personal loans.
Recently Declined Personal Loan Application
A significant number of consumers face loan application rejections from banks due to factors such as inadequate credit history, limited affordability, insufficient supporting documents, and more. However, IndiaLends can assist some of these customers in obtaining affordable loans through collaborations with specialized NBFCs.
Banks and NBFCs Partners
IndiaLends has established partnerships with a comprehensive range of lending institutions, encompassing both prominent and smaller entities. Our collaborations include renowned banks such as HDFC, ICICI, SBI, Kotak, IndusInd, Tata Capital, Bajaj Finserv, IDFC First, IIFL, IndiaBulls, RBL Bank, DHFL, Aditya Birla Finance, American Express, among others, ensuring a wide array of options for our customers.
Loans For Phones / Desktops / Laptops And Tablets
IndiaLends offers easy installment personal loans starting from as low as Rs. 25,000 for customers who wish to purchase the latest gadgets, whether it's an iPhone 7 or a MacBook Pro. This allows individuals to acquire their desired gadgets through manageable loan amounts and easy repayment options.
EMI Without Credit Cards
While e-commerce marketplaces offer convenient EMI options for significant purchases, these benefits are typically limited to customers who already possess credit cards. Unfortunately, this privilege extends to only a small proportion of the population, approximately 10 million individuals across the country. However, IndiaLends provides an accessible solution through its online personal loan, enabling individuals to swiftly make large-ticket purchases on e-commerce platforms and convert them into affordable EMIs. This expands the opportunity for a broader segment of customers to enjoy the convenience of EMI-based shopping on e-commerce portals.
Credit Report
A credit report serves as a financial report card, encompassing historical data regarding an individual's loans and credit cards. Various types of loan accounts are included, such as Credit Cards, Personal Loans, Home loans, gold loans, Car loans, Two-Wheeler loans, business loans, Loan against Property, Agriculture loans, and more. Each account provides detailed information about repayment history, loan amount, tenure, open and close dates, and other relevant details. Credit Bureaus utilize this information to assess the risk associated with an individual, resulting in a credit score. The credit score ranges from 300 to 900, and a higher score increases the likelihood of loan approval. In India, there are four credit bureaus—CIBIL, Experian, Equifax, and Hi-Mark—providing credit scores to individuals. IndiaLends has partnered with Experian and Hi-Mark credit bureaus to offer its customers free credit reports and analysis. Additionally, IndiaLends customers also receive complimentary credit report refreshments every quarter for the first 12 months.