Personal Loan - Bharatee Financial Services

Personal Loan

Instant Personal Loans for All Your Financial Needs

Up to ₹50 Lakh

Loan Amount

10.5% - 24%

Interest Rate

1 - 5 Years

Tenure

24 Hours

Quick Approval

Get Instant Personal Loan for Your Dreams

Whether it's a wedding, vacation, medical emergency, or home renovation - our personal loans help you achieve your goals without compromising your savings.

  • Minimal documentation required
  • Competitive interest rates
  • Flexible repayment options
  • No collateral or security needed
  • Quick online application process
  • Same-day approval possible

🚀 Apply in Just 5 Minutes!

Get instant approval for your personal loan with minimal documentation

Why Choose Our Personal Loan?

Instant Approval

Get loan approval within 24 hours with our streamlined digital process and minimal documentation requirements.

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Competitive Rates

Interest rates starting from 10.5% per annum with flexible repayment tenure up to 5 years.

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Minimal Documents

Just basic KYC documents, income proof, and bank statements. No lengthy paperwork or complex procedures.

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No Collateral

Unsecured personal loans with no need for collateral, guarantor, or property documents.

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Flexible Usage

Use the loan for any personal need - wedding, travel, medical, education, or debt consolidation.

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Customized Solutions

Loan amount and tenure customized based on your income, credit profile, and repayment capacity.

Personal Loan Details & Features

Loan Features

  • Loan Amount: ₹50,000 to ₹50,00,000
  • Interest Rate: 10.5% - 24% per annum
  • Tenure: 12 months to 60 months
  • Processing Fee: 1% - 3% of loan amount
  • Prepayment: Allowed after 6 months
  • Processing Time: 24-48 hours

Eligibility Criteria

  • Age: 21 to 65 years
  • Income: Minimum ₹25,000 per month
  • Employment: Salaried/Self-employed
  • Experience: 2+ years in current job
  • Credit Score: 650+ preferred
  • Residence: Any Indian city

Loan Purposes

  • Wedding & Marriage expenses
  • Medical emergency treatment
  • Home renovation & furniture
  • Education & skill development
  • Travel & vacation
  • Debt consolidation
  • Business expansion
  • Any other personal need

Repayment Options

  • Fixed monthly EMI
  • Auto-debit from bank account
  • Online payment portal
  • Mobile app payments
  • Bank transfer/NEFT
  • Post-dated cheques

Documents Required

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Identity Proof

Aadhaar Card, PAN Card, Passport, Voter ID

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Address Proof

Utility Bills, Rent Agreement, Property Papers

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Income Proof

Salary Slips, ITR, Form 16, Salary Certificate

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Bank Statements

Last 6 months bank statements

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Photographs

Recent passport size photographs

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Signature Proof

Cancelled cheque or bank signature verification

Simple Application Process

1

Apply Online

Fill our simple online application form with basic details

2

Document Upload

Upload required documents through our secure portal

3

Verification

Our team verifies your documents and eligibility

4

Approval

Get instant approval with loan amount and terms

5

Disbursement

Funds transferred directly to your bank account

Calculate Your Personal Loan EMI

💰 Personal Loan EMI Calculator

Calculate your monthly EMI, total interest, and repayment amount

Use EMI Calculator

Frequently Asked Questions

What is the maximum personal loan amount I can get?
You can get a personal loan up to ₹50 lakh, depending on your income, credit score, and repayment capacity. We offer customized loan amounts based on your financial profile.
How quickly can I get the personal loan approved?
With complete documentation, we can approve your personal loan within 24-48 hours. In some cases, same-day approval is also possible for eligible applicants.
What is the interest rate for personal loans?
Personal loan interest rates range from 10.5% to 24% per annum, depending on your credit profile, income, and loan amount. We offer competitive rates in the market.
Can I prepay my personal loan?
Yes, you can prepay your personal loan after 6 months from disbursement. Prepayment charges may apply as per the loan terms and conditions.
Do I need a guarantor for a personal loan?
No, personal loans are unsecured loans that don't require a guarantor or collateral. The loan is approved based on your creditworthiness and income.
What documents are required for a personal loan?
You need identity proof (Aadhaar/PAN), address proof, income proof (salary slips/ITR), bank statements, and photographs. The exact requirements may vary based on your profile.

Ready to Apply for Your Personal Loan?

Join thousands of satisfied customers who have achieved their dreams with our personal loans