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Loan Restructuring/Loan Consolidation
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- Sohrab Hall, Office No 124, Tadiwala Road, Pune 411001
- contact@finoneeds.com
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Register for Loan quick, convenient online loan application with instant approvals and minimum documentation. Apply quickly for Home, Personal, or Business Loans.
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Choose Offer for Loan and select from loan options tailored to best suit your needs. Avail of better rates, more flexible conditions, and even quicker home, personal, or business Loans.
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Apply online quickly, hassle-free, and with minimum documentation, enabling home, personal, and business loans with quick approvals. Get funds easily.
OUR SERVICES
Our Loan Options
ICICI BANK
Hassle free online process.
Pocket-friendly repayment
Int Rates: Floating rates from 8.50% to 9.50%
Tenure: extend up to 30 years
Processing Fess: 0.25% to 2% of the loan amount.
IDFC BANK
Hassle free online process
Pocket-friendly repayment
Int Rates: From 8.00% to 9.50%
Max Tenure: extend up to 30 years*
Processing Fess:0.5% to 1% of loan amt
BAJAJ FINANCE
Hassle free online process
Pocket-friendly repayment
Int Rates: From 8.00% to 9.50%
Max Tenure: extend up to 30 years*
Processing Fess:0.5% to 1% of loan amt
HDFC BANK
Hassle free online process.
Pocket-friendly repayment
Int Rates: 8.00% to 10.50%
Tenure: extend up to 30 years
Processing Fess: 0.5% to 1.5% of the loan amount, with a minimum amount of ₹3,000 plus GST.
STANDARD CHARETED
Hassle free online process.
Pocket-friendly repayment
Int Rates: start from around 8.45% per annum
Tenure: extend up to 30 years
Processing Fess: 0.5% to 1% of the loan amount, with a minimum amount of ₹10,000 plus GST.
KOTAK MAHINDRA
Hassle free online process
Pocket-friendly repayment
Int Rates: From 8.00% to 9.50%
Max Tenure: extend up to 20 years
Processing Fess: 0.5% to 1% of the loan amount, with a minimum amount of ₹10,000 plus GST
TATA CAPITAL
Hassle free online process
Pocket-friendly repayment
Int Rates: start from around 8.75% per annum
Max Tenure: extend up to 30 years
Processing Fess:0.5% to 2% of loan amt
INDUSIND BANK
Hassle free online process
Pocket-friendly repayment
Int Rates: start from around 8.95% per annum
Max Tenure: extend up to 30 years
Processing Fess: 0.5% to 1% of the loan amount, with a minimum amount of ₹10,000 plus GST
YES BANK
Hassle free online process
Pocket-friendly repayment
Int Rates: floating rates from around 8.95% per annum
Max Tenure: extend up to 30 years*
Processing Fess:0.5% to 1% of the loan amount, with a minimum amount of ₹10,000 plus GST.
Comparative Analysis
Financial Institutions | Rate of Interest | Processing Fee | Loan Amount | For closure Condition and charges | Part Payment Options | Disbursal TAT | Minimum Monthy Income |
HDFC | 10.25%- 12.25% | Rs 4719 | Min. 50,000 Max. as per eligibility | Yes | 3 - 4 Working Days | Rs 25000 | 1-6 Years |
Bajaj Finance | 13.00% - 15% | Upto 1.50% | Upto Rs.35 Lacs | Yes | 24 Hrs | Rs 40000 for Metro and Rs 25000 for Non Metro | 1-7 Years |
IDFC | 10.75% - 13.45% | upto 3999 + GST | Min. 50,000 Max. as per eligibility | No | 1 - 2 Working Days | Rs 20000 | 1-5 Years |
ICICI | 10.50% - 17.50% | Rs.4999 for Special offers otherwise 1% - 1.5% | Min. 50,000 Max. as per eligibility | No | 3 - 4 Working days | Rs 25000 | 1-6 Years |
Standard Chartered | 11.00% - 12.50% | 1% | Rs.1,00,000 - Rs.50,00,000 | No | 1 - 2 Working Days | Rs 25000 | 1-5 Years |
Kotak Mahindra | 10.50% - 16.99% | 0.99% - 2.0% of Loan Amount | Rs.100,000 - Rs.20,00,000 | Yes | 3 - 4 Working days | Rs 25000 | 1-5 Years |
Tata Capital | 11.99% - 17% | 1.50%-2.00% | Rs.75,000 - Rs.15 Lacs | Yes | 1 - 2 Working Days | Rs 25000 | 1-6 Years |
Fullerton India | 11.99% - 26% | 1.00%-2.00% | Rs.50,000 - Rs.15,00,000 | No | 4 - 5 Working Days | Rs 20000 | 1-5 Years |
IndusInd Bank | 12.99%–20% | 0.5% -2% | Rs.1,00,000 - Rs.25,00,000 | No | 4 working days | Rs 25000 | 1-5 Years |
Yes Bank | 10.75% - 16.99% | 1-2% | Rs.100,000 - Rs.40,00,000 | Yes | 3 working days | Rs 25000 | 1-6 Years |
Axis Bank | 10.75% - 16.99% | 1.00%-2.00% | Rs.100,000 - Rs.30,00,000 | Yes | 48 Working days | Rs 20000 | 1-5 Years |
Additional Security Deposit | 99 | 99 | 99 | 99 | 9 | 9 | 99 |
Our Partners
Cehck eligibilty
Age | 18/21 years – 60/65 years |
Employment Type | Salaried |
Credit score | 750 or above with a good credit history |
Minimum Net Income (Monthly) | ₹15,000(non-metro cities) |
Loan Amount | Up to ₹50 lacs depending on the credit profile |
Work Experience | Salaried Employed at current company for at least 6/12 months Business tenure of at least 3 years (continuous) |
Documents Required
FOR SALARIED INDIVIDUALS
- Identity & Age Proof
- Completely filled personal loan application with photograph
- PAN Card
- Residence proof – Passport driving licence, Voter ID, postpaid/landline bill, utility bills (electricity/water/gas)
- Bank statements for the last 3 months(preferably your salary account)
- Salary Slips of last 3 months
- Form 16 or Income Tax Returns of last 3 years
FOR SELF-EMPLOYED INDIVIDUALS
- Identity & Age Proof
- Completely filled personal loan application with photograph
- PAN Card
- Residence proof – Passport driving licence, Voter ID, postpaid/landline bill, utility bills (electricity/water/gas)
- Bank statements for the last 3 months(preferably your salary account)
- Salary Slips of last 3 months
- Last 3 years Income Tax Returns with computation of Income
Know More About
Loan Restructuring/Loan Consolidation
Personal Loan: Key Highlights
Personal loan Overview
Features & Benefits of Personal Loan
Personal Loan: Key Highlights
Current lowest personal loan interest rates start from 9.99% p.a.
- Compare 100+ personal loan banks at MyMoneyMantra and choose the best one.
- Check fees & charges of all top banks offering personal loans in India.
- Get flexible tenure of 36 to 84 months to repay the loan.
- Submit online loan application and get instant loan approval
- Personal Loan amount can be used for any personal purpose, including marriage, education, medical emergency, shopping, travel, etc.
- No collateral or security required as personal loans are unsecured loans.
- You can get a personal loan through the best instant loan app in India or through online lending marketplaces.
Personal loan Overview
A personal loan is the best option to get access to funds in case of an emergency.
Once you fulfill the necessary Personal Eligibility Criteria, you can meet any expense like medical emergency, travel needs, education fees, etc. with this simple, unsecured loan.
Features & Benefits of Personal Loan
- The rate of Interest: The Rate of Interest on Personal Loans starts with 9.99% depending on your credit score, income and so forth.
- Loan amount: You can get a loan online for as low as 50,000 and as high as 50 Lakhs depending on your requirement and eligibility.
- Loan tenure: Personal loans are available for periods as short as 12 months. The average tenure for a Personal Loan is between 12 and 60 months, depending on the loan amount.
- Security: Due to its unsecured nature, collateral is not required.
- Loan turnaround time: A Personal Loan typically has the fastest turnaround time in the industry. Many banks personal loans online approval within 48 hours after submission of the online application.
- Processing fees: It depends on the individual bank. It usually ranges between 0.50%- 2% of the loan amount.
- Prepayment penalty: Banks charge prepayment penalty if you repay your Personal Loan before the determined period. The charges range between 1-2% of the outstanding amount on the date of closure.
