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Everything You Need To Know About Personal Loan


Get Personal Loan Interest Rates,Personal Loan EMI Calculator,eligibility calculator at Loan adda. Online Apply Bank Loans HDFC,ICICI,IDFC. Get a step closer to your dreams and goals by availing our Personal Loans and meet your financial needs. You can avail a personal loan to meet unexpected expenses, a dream holiday, school or college fees, wedding expenditure, home improvement expenses or even purchase of consumer durables.


The illustration below indicates what to expect at every step during the loan evaluation process.

It helps understand how the credit decisioning works in banks and the steps they take before deciding to accept or reject a loan/ credit card.


Applicant Fill Out A Loan Application Form.


Documents Hand Over To The Bank.


Bank Check Your Reports And Cibil Score.


High Cibil Score Leads To Eligibility Check Basis Documentation.

Eligibility Criteria

Your eligibility for Home Loan is determined by the following factors:-

  • Income/ Other Income
  • Age
  • Qualification
  • Property value
  • No of dependents
  • Bank Balance
  • Assets/Liabilities

Documents Required For Personal Loan

Most banks follow the same general rules in terms of document requirement. There may be a few changes in certain cases, in which case, our loan officers will guide you personally to complete the documentation process. Salaried individuals.

  • Form 16 of last 2 years or Income Tax Returns.
  • Salary slips of last 3 months.
  • Last 6 months bank statement reflecting salary credits.
  • ID/ Age Proof - PAN Card/ Passport/ Signature Proof/ Aadhar Card and Residence Proof – Passport/ Utility bills/ Bank Statements.
  • Cheque of Processing Fee.