Catalogue loan products dekhein, planning estimates compare karein aur lender-linked reviews padhein. Rates, eligibility aur conditions har lender se check karein.
Is catalogue ki verification date recorded nahi hai. Yeh planning examples hain, current offers confirm nahi hue. Decision se pehle lender sources aur product limits check karein.
5 Catalogue products · Catalogue starting rate ke order mein
| Bank aur product | Interest Rate | Benchmark spread | Maximum tenure | Processing fee | Actions |
|---|---|---|---|---|---|
Axis Bank | 10.49% - 15.00% p.a. on reducing | Fixed Rate | 5 saal (60 months) | 1.5% (cap ₹5,000) + 18% GST | |
HDFC Bank | 10.50% - 16.00% p.a. on reducing | Fixed Rate | 5 saal (60 months) | 1.5% (cap ₹6,500) + 18% GST | |
ICICI Bank | 10.75% - 16.50% p.a. on reducing | Fixed Rate | 6 saal (72 months) | 1.75% (cap ₹7,500) + 18% GST | |
Tata CapitalOverdraft | 10.99% - 17.00% p.a. on reducing | Fixed Rate | 6 saal (72 months) | 2% (cap ₹6,000) + 18% GST | |
Bajaj FinservOverdraft | 11.00% - 18.00% p.a. on reducing | Fixed Rate | 8 saal (96 months) | 2.5% (cap ₹8,000) + 18% GST |
Personal loans completely unsecured hote hain jinki pricing bank MCLR ya internal risk scoring par depend karti hai. 780+ CIBIL score par lowest prime rates (10.25% - 11.50%) milti hain, jabki low score par interest steep climb karta hai.
Floating rate retail personal loans par RBI rules ke according 0% foreclosure fee hoti hai. Lekin fixed rate loans par banks 6-12 months lock-in period enforce karte hain jiske baad 2% se 4% charge lagta hai.
Personal loans general use par non-tax-deductible hote hain. Lekin agar funds residential property repair/renovation me deploy kiye gaye hon to Section 24(b) me up to ₹30,000 interest deduction mil sakti hai.
RBI Master Directions ke mutabik individual retail borrowers ko home, auto aur personal credit lines par floating interest rate hone par koi bhi foreclosure ya prepayment penalty nahi deni hoti.
Commercial banks ko retail credit ki pricing RBI Repo Rate (EBLR) jaise external benchmarks se link karni padti hai. Loan tenure ke dauran spread arbitrary change nahi ho sakta.
CredSutra Day-1 upfront cash outgo (processing fees, 18% GST, legal/valuation charges) aur lifetime compounding interest dono ko combine karke transparent cost discovery deta hai.
Is catalogue ki verification date recorded nahi hai. Yeh planning examples hain, current offers confirm nahi hue. Decision se pehle lender sources aur product limits check karein.