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Find the Best Deals on Personal Loan in Bikaner at Realfinserv 


People can apply for personal loans in Bikaner for several purposes. The overall process is very easy, and there is no need to pledge anything in the form of security. Various financial institutions and banks provide different offers for their customers. People from specific professions like the Doctors, CA, CS, and many more have access to special offers, and the whole thing depends upon the policies of the lender.


To get the best deals in personal loans, people must go with the option of Realfinserv. We are a leading marketplace that helps you to provide the best deals so that the whole process becomes hassle-free. We have tie-ups with leading banks and financial institutions that provide personal loans.


We are very skilled in this field and can help you to get the best deal so that your demands are fulfilled in the best possible way. Anyone interested in availing of a personal loan from the personal loans provider in Bikaner can check the qualifications and eligibility criteria by exploring our official website. We also provide the best credit EMI calculator that can help you a lot.


The documents required for availing the loans are mentioned as follows:


1. For the salaried people:


  • The customer must submit a valid ID proof. Any one document from the passport, driving license, Aadhaar card, the Voter ID card can help in solving the purpose.
  • A valid proof of address has to be submitted along with this. Bank statements, utility bill which is not old than three months, ration card and various other documents can help in solving the purpose.
  • The proof of income-related documents is also needed to be submitted. The last six months’ salary slip in proper regard to the latest Form 16 is a must.
  • The proof of continuity of employment is also to be submitted along with the above-mentioned documents.


2. For the self-employed people:


  • The education-related documents like the degree of the self-employed person are to be submitted.
  • The proof of the existence of business is to be submitted.
  • The income tax returns of the last three years are to be submitted.
  • The profit and loss account, along with the balance sheet of the concern for the period of the last three years and duly attested by CA, have to be submitted.
  • All the other documents which may be required by the financial institution or lender are also to be submitted.

The amount can be easily repaid in the form of equated monthly installments to the lender, and this will also include the interest charged by the lenders. The individuals can apply for personal loan apply in Bikaner by going to the banks personally or by visiting the official websites of the banks and financial institutions. The presence of Realfinserv has completely revolutionized the concept of availing of personal loans. Join our hands and get your loan sanctioned at lightning speed.


Where can a Personal Loan be used?

Personal loans can be used for any purpose such as medical emergency, wedding expenses, business expansion, house renovation, vacation expenses, etc. It can be utilized towards debt consolidation, paying for the down payment of a new house, or meeting educational expenses. The uses for which personal loan in  Bikaner can be utilized is limitless. The banks do not put any restrictions on its use. This is the very primary reason that demand for a personal loan is high as any kind of expense can be met without much burden on its users. Hence personal loan is becoming the first choice of many people.


What is the eligibility criteria for applying for a personal loan?

For applying for Personal Loan in  Bikaner, one must need to follow certain requirements such as there must be a regular source of income whether you are salaried or self-employed. This is an essential factor as it determines whether you are capable of repaying the loan back or not. Another important requirement in case of a salaried employee is the company where he/she is working, and also, the credit history plays an important role in determining the rate of interest. Also, one must be minimum of 21 years of age and not exceeding 60 years of age. One can easily apply for and get a personal loan online as well.

What is the minimum amount one needs to borrow in case of a personal loan?
The minimum amount that one needs to borrow in the case of a personal loan varies from bank to bank. It depends upon different bank's procedures and policies and also depends upon other factors as well. But usually, the minimum amount of easy personal loan varies from Rs. 25000 to Rs.30000. It may vary, but this is the standard limit. It is advisable to go through different lenders to choose the one which fulfills your requirements. Sometimes it also depends upon the source of income of one applying for a personal loan in  Bikaner.

What is the process of calculating the maximum amount of the loan?

The maximum amount that one can avail through a personal loan varies from person to person. It usually depends upon the financial capability of the person in repaying the loan. For salaried employees, the maximum amount is decided on the basis of their salary. The loan amount is decided in such a way that it EMI of the personal loan should not exceed 30 to 40 percent of their salary. And in the case of self-employed, the maximum amount of personal loan is calculated on the basis of their profit. For this statement of profit and loss is analyzed.

Also, if there are other loans, then they are also taken into consideration. Credit history also plays an important role in availing a low-interest personal loan in  Bikaner.

What is the time period for which a personal loan can be availed?

A personal loan is high in demand not only because it can be put to multiple uses without any restrictions imposed by the bank but also the flexible tenure it can be borrowed for. The tenure for which personal loan in  Bikaner can be availed is from 12 months to 60 months. One can choose the time period as per their requirement, and it also depends upon the uses for which personal loan is borrowed. In some situations, a shorter or longer time period than the standard can be allowed by the lenders.

What are the various important documents that are required for a personal loan in  Bikaner?

The documents that are required for the personal loan may vary from bank to bank. But some key documents are required by every bank or financial institution. These includes:

• Document showing the proof of income.

• Proof of Address

• Documents relating to the proof of identity

• Any other documents as specified by the lender.

It is important to go through all the requirements of the lender before applying for the loan so that there is no headache afterwards. The whole process has been made simpler by applying for a personal loan online.

What is the process of personal loan approval?

The process of personal loan approval in  Bikaner is very easy. It does not involve a number of lengthy and cumbersome steps, and the loan can be availed within a few days which was not possible earlier as one has to wait for a longer time to get the loan approved. The approval process depends upon the lender to lender. The process can be completed within 48 hours, or it might take a week or two but not more than that. All one needs to get it documents ready so that process of personal loan can be approved at a fast rate and you can then put the amount of loan to use. Moreover, it has become easier through personal loan online approval.

What are the rates charged on a personal loan?

Personal loans are unsecured form of loans, i.e. one does not have to mortgage security in order to get the loan. Being an unsecured loan, the rate of interest charges on them are slightly higher when compared to other types of secured loans. The prevailing interest rates are different as per bank's discretion, but the lowest personal loan rate in  Bikaner charged is around 10.99 percent. There are certainly other factors that also affect the rate of interest such as credit history of the applicant, the income level of the applicant, tenure for which loan is applied for, and also other loans that are being taken by the applicant also affect the rate of interest on this loan.

How to compare interest loan rate?

The interest rates charged on personal loans differ from bank to bank as it depends upon a number of factors. One must compare the interest rate of different banks and other financial institutions to get a low-interest personal loan in Bikaner. One can compare the interest loan rate of different banks through Real Finserv which provides you with all the details that are required in order to make an informed decision. In order to get the lowest rate on personal loan in  Bikaner, one may consider Real Finserv for all the guidance.

How to get the lowest interest rate on a personal loan?

As more and more banks, as well as other financial institutions, are offering personal loan in  Bikaner, one can compare the interest and thus get the lowest interest rate as per their requirements. Earlier one has to go physically to different banks and financial institutions in order to know about the interest rate, which made it difficult to get the best deal. It has now been made easier through the platform of Real Finserv which makes available the different rate interest of various banks or NBFCs so you can choose the best interest rate for loan.

Basic Eligibility Criteria

  • 1
    Good CreditScore
  • 2
    Less Than 65 Years
  • 3
    Salary Must Be In
    Your Account
  • 4
    Minimum Salary
    Required Rs.15000/
    Month Credit in
  • 5

    Minimum Job
    Experience / Stability
    6 Months