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उत्पाद विवरण
बैंक का नाम
IDFC First Bank
Minimum Loan Amount
Up to ₹1 crore
ब्याज दर
Starting 10.75% to 23%
न्यूनतम CIBIL स्कोर
Minimum Loan Tenure
84 months
Small personal loans
फीस और शुल्क
Processing Fees of upto 3.5% will be deducted from the loan amount at the time of disbursal
Late payment fees
2% of the unpaid EMI or Rs 300 whichever is higher. The late payment fees might be applicable from the date of default to the date of payment.
पात्रता
For Salaried Individuals:
Minimum Age: 23 years
Maximum Age: at the time of loan maturity - 60 years or retirement, whichever comes first
For Self-Employed Individuals:
The business must have been in existence for a minimum period of 3 years
Minimum Age: 25 years
Maximum Age: 65 years at the time of loan maturity
विशेष रियायत
शुल्क, पात्रता और रियायत
पेशेवरों
Quick and hassle-free digital application process; Competitive interest rates; Balance transfer of existing loans and credit cards at affordable rates
दोष
High processing fees and foreclosure charges; Minimum income requirement of ₹25,000 per month
पक्ष - विपक्ष
उद्देश्य
IDFC First Bank offers Small Personal Loans to meet the small capital needs of the applicants.
विशेष लक्षण
Flexibility to make up to 40% part payment
उद्देश्य एवं विशेषताएं
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आवश्यक दस्तावेज़
खाता खोलना और प्रक्रियाएं
IDFC First Bank
Overall, the IDFC First Bank's personal loan is convenient and easy to apply, for and is sanctioned without any hassle. The interest rate is also low as compared to other Banks. However, the processing fees is high which might be a drawback for some customers.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
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