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Piramal Grievance Officer Details

Name: Mr. Kishore Dalwani
Address: 6th Floor, Amiti Building, Agastya Corporate Park, Kamani Junction, Opp. Fire Station, LBS Marg, Kurla (W) Mumbai MH400070.
Email : nodal.officer@piramal.com
Contact Number: 022- 69181439

IndiaLends Grievance Officer Details

Name: Yojana Kumari
Designation: Grievance Officer
Email ID: grievance@indialends.com
Contact No: 0124-3654330
Address: Plot no. 31, 2nd Floor, Sector 18, Udyog Vihar, Gurugram, Haryana - 122015

InCred Grievance Officer Details

Name: Mr. Vaidyanathan Ramamoorthy
Designation: Grievance Officer
Email ID: incred.grievance@incred.com
Contact No: 022-42117799
Website: https://www.incred.com  https://www.incred.com/grievance.html
Address: Incred Financial Services Limited, 1203, 12th Floor, B Wing, The Capital, Bandra Kurla Complex, Mumbai - 400051

Credit Saison Grievance Officer Details

Name: Ms. Preethi Nair
Designation: Grievance Officer
Email ID: preethi.nair@creditsaison-in.com
           grievance@creditsaison-in.com
Contact No: 9962003070
Address: IndiQube Lexington Tower, First Floor, Tavarekere Main Rd, Tavarekere, S.G. Palya, Bengaluru, Karnataka 560029

Mcapital Grievance Officer Details

Name: Mr. Neeraj Komath
Designation: Grievance Officer
Email ID: neeraj.komath@mcapital.co.in

MoneyView Grievance Officer Details

Name: Mr. Venkatraman Narayan
Address: No. 17, 3rd Floor, Survey, 1A, Dr Puneeth Rajkumar Rd, Kadubeesanahalli, Bellandur, Bengaluru, Karnataka 560087
Contact No: +91-8045692002
Email ID: grievance@moneyview.in

TATA STPL Grievance Officer Details

Name: Francyna Dias
Designation: Grievance Redressal Officer (GRO)
Address: 11th Floor, Tower A, Peninsula Business Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400013
Contact No: 18602676060

Credit Vidya Grievance Officer Details

Name: Abhilash Talapatra
Contact No: +91-8879773813

Paysense Grievance Officer Details

Name: Keshav Naicker
Contact No: +91-9930576555
Address: Paysense Services India Private Limited, Jai Villa Dev Shakti, Tilak Road, Santa Cruz West, Mumbai – 400054

Early Salary Grievance Officer Details

Name: Ankit Sundriyal
Email ID: care@fibe.in

Finzy Grievance Officer Details

Escalation contact number: 9513330562
Email ID: grievances@finzy.com

MoneyTap Grievance Officer Details

Name: Anjali Panwar
Contact Number: +91-6361121526
Email ID: grievance@moneytap.com
Office address: G-405, 4th Floor, Gamma Block,Sigma SoftTech Park, Varthur Kodi, Whitefield Road, Bangalore, 560066 KARNATAKA

LendingKart Grievance Officer Details

Name: Ms. Ajitha K
Contact Number: +91-6358874622
Email ID: grievance.redressal@lendingkart.com

IIFL Grievance Officer Details

Designation: Nodal Officer
Address: IIFL Finance Limited, IIFL House, Sun Infotech Park, Road No.16V, Plat No. B-23, Thane Industrial Estate Area, Wagle Estate, Thane – 400604
Contact Number: +91 22 4520 5810 / +91 22 6817 8410
Email ID: nodalofficer@iifl.com

Cashe Grievance Officer Details

Grievance Redressal Officer: Mr. Prateek Saxena
Bhanix Finance and Investment Limited
Tel: 022-46047350
Email: bhanix@cashe.co.in

Customer Care:
Bhanix Finance & Investment Ltd.
Tel: 022-46047350
Email: support@cashe.co.in
  • IndiaLends
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Copyright 2023 GC Web Ventures Pvt. Ltd. All Rights Reserved

Personal Loans City Wise:  Personal Loan in Kolkata  |  Personal Loan in Hyderabad  |  Personal Loan in Chennai  |  Personal Loan in Mumbai  |  Personal Loan in Delhi  |  Personal Loan in Pune  |  Personal Loan in Bangalore  |  Personal Loan in Jaipur  |  Personal Loan in Ahmedabad  |  Personal Loan in Hubli  |  Personal Loan in Coimbatore  |  Personal Loan in Surat  |  Personal Loan in Nagpur  |  Personal Loan in Indore  |  Personal Loan in Vijayawada  |  Personal Loan in Baroda  |  Personal Loan in Kochi  |  Personal Loan in Gwalior  |  Personal Loan in Varanasi  |  Personal Loan in Patna  |  Personal Loan in Dehradun  |  Personal Loan in Chandigarh  |  Personal Loan in Mangalore  |  Personal Loan in Lucknow  |  Personal Loan in Mysore  |  Personal Loan in Trivandrum  |  Personal Loan in Jamshedpur  |  Personal Loan in Kanpur  |  Personal Loan in Kota  |  Personal Loan in Visakhapatnam  |  Personal Loan in Raipur  |  Personal Loan in Bhopal  |  Personal Loan in Jodhpur  |  Personal Loan in Cuttack  |  Personal Loan in Bhubaneswar
Personal Loans Bank Wise:  HDFC Personal Loan  |  IDFC First Personal Loan |  Bajaj Finserv Personal Loan  |  ICICI Personal Loan  |  Kotak Personal Loan  |  Yes Bank Personal Loan  |  Personal Loan Balance Transfer  |  Small Amount Personal Loan
Credit Score:  Cibil Score for Car Loan  |  Cibil Score Customer Care  |  Cibil Score for Credit Card  |  Cibil Score for Personal Loan  |  Cibil Credit Report  |  Practices that leads to Bad Credit Score  |  Loan settlement and your Credit Score  |  Equifax Credit Report  |  Credit Bureaus in India  |  Improve your Credit Score  |  Achieve Good Credit Score  |  Experian Credit Report  |  Myths about Credit Score  |  Highmark Credit Score  |  Repair Faulty Credit Report |  Resolve Cibil Dispute |  Read Cibil Report |  Cibil Score Benefits |  Correlation between credit rating and debts  |  Minimum payment affect your Credit Score  |  How is your Credit Score calculated  |  How to read Credit Report  |  How your Credit Score is used  |  Impact on late payment on Credit Score  |  Importance of Credit Score  |  Reason to check Credit Report regularly |  Steps to check Credit Report |  Steps to rectify your Credit Report |  Things you won't find in credit report |  Can a Credit Card Improve Your Credit Score? |  Credit Monitoring |  Credit Score Matters at Retirement |  Major Factors That Affect Your Credit Score |  Credit Report Checklist |  Reasons for Loan Rejection Other Than Credit Score |  Loan Settlement Can Ruin Your Credit Score |  Does a name change affect your Credit Score? |  Effects of PAN Card on Credit Score |  The Link Between MCLR and Credit Score |  Applying for a Home Loan? Improve your Credit Score |  How to Remove Your Name from CIBIL’s Defaulter List |  How Can Customers Check their Credit History |  Payment History - How it Affects Your Credit Score |  Who issues Credit Ratings or Credit Scores |  Credit Report for Business Loan |  Can your employment get affected by your credit score |  How Long It Take To Improve Credit Score
Learn More arrow

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.

IndiaLends
  • PRODUCTS

    Personal Loans Business Loan Credit Cards Credit Score Gold Loan
  • RESOURCES

    EMI Calculator IFSC Code FAQs My Dashboard PAN Card Tax Credit Cards in India
  • COMPANY

    About IndiaLends Blogs Contact Us
  • MORE

    Help Desk Privacy Policy Terms & Conditions Offers T&C Lender Contacts Grievance Details RBI Sachet
  • PERSONAL LOANS CITYWISE

    Personal Loan in Kolkata Personal Loan in Hyderabad Personal Loan in Chennai Personal Loan in Mumbai Personal Loan in Delhi Personal Loan in Pune Personal Loan in Bangalore Personal Loan in Jaipur Personal Loan in Ahmedabad Personal Loan in Hubli Personal Loan in Coimbatore Personal Loan in Surat Personal Loan in Nagpur Personal Loan in Indore Personal Loan in Vijayawada Personal Loan in Baroda Personal Loan in Kochi Personal Loan in Gwalior Personal Loan in Varanasi Personal Loan in Patna Personal Loan in Dehradun Personal Loan in Chandigarh Personal Loan in Mangalore Personal Loan in Lucknow Personal Loan in Mysore Personal Loan in Trivandrum Personal Loan in Jamshedpur Personal Loan in Kanpur Personal Loan in Kota Personal Loan in Visakhapatnam Personal Loan in Raipur Personal Loan in Bhopal Personal Loan in Jodhpur Personal Loan in Cuttack Personal Loan in Bhubaneswar
  • PERSONAL LOANS BANKWISE

    HDFC Personal Loan IDFC First Personal Loan Bajaj Finserv Personal Loan ICICI Personal Loan Kotak Personal Loan Yes Bank Personal Loan Personal Loan Balance Transfer Small Amount Personal Loan
  • CREDIT SCORE

    Cibil Score for Car Loan Cibil Score Customer Care Cibil Score for Credit Card Cibil Score for Personal Loan Cibil Credit Report Practices that leads to Bad Credit Score Loan settlement and your Credit Score Equifax Credit Report Credit Bureaus in India Improve your Credit Score Achieve Good Credit Score Experian Credit Report Myths about Credit Score Highmark Credit Score Repair Faulty Credit Report Resolve Cibil Dispute Read Cibil Report Cibil Score Benefits Correlation between credit rating and debts Minimum payment affect your Credit Score How is your Credit Score calculated How to read Credit Report How your Credit Score is used Impact on late payment on Credit Score Importance of Credit Score Reason to check Credit Report regularly Steps to check Credit Report Steps to rectify your Credit Report Things you won't find in credit report Can a Credit Card Improve Your Credit Score? Credit Monitoring Credit Score Matters at Retirement Major Factors That Affect Your Credit Score Credit Report Checklist Reasons for Loan Rejection Other Than Credit Score Loan Settlement Can Ruin Your Credit Score Does a name change affect your Credit Score? Effects of PAN Card on Credit Score The Link Between MCLR and Credit Score Applying for a Home Loan? Improve your Credit Score How to Remove Your Name from CIBIL’s Defaulter List How Can Customers Check their Credit History Payment History - How it Affects Your Credit Score Who issues Credit Ratings or Credit Scores Credit Report for Business Loan Can your employment get affected by your credit score How Long It Take To Improve Credit Score
  • LEARN MORE

    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.

Copyright 2023 GC Web Ventures Pvt. Ltd. All Rights Reserved