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Personal Loan Overview
A Personal Loan from Help Desk Finserve is a flexible, unsecured financing solution designed to meet your immediate financial needs. As an RBI-registered IMF, we provide transparent personal loans without requiring any collateral or security, with minimal documentation and quick processing to help you achieve your personal goals with financial clarity.
Key Features & Benefits:
- No collateral, security, or guarantor required
- Minimal documentation with quick processing
- Fast sanction and disbursement within 2-3 working days
- Flexible repayment tenure from 12 to 72 months
- No prepayment or foreclosure charges
- Transparent terms with no hidden fees
- Multiple bank options for competitive rates
| Sr. No | Eligibility Parameter | Criteria |
|---|---|---|
| 1 | Applicant Age | 21 Years to 60 Years |
| 2 | Minimum Net Income | ₹20,000 per month (in-hand) |
| 3 | Minimum Loan Amount | ₹100,000 (1 LAC) |
| 4 | Maximum Loan Amount | ₹1,00,00,000 (1 CR) |
| 5 | Loan Tenure | 12 to 84 Months (1 to 7 Years) |
| 6 | Interest Rate | Starting from 9.99% p.a. |
| 7 | Collateral Requirement | Not Required |
| 8 | Prepayment / Foreclosure | No Charges |
| 9 | Processing Fees | 1% to 2% (Maximum) |
| 10 | Employment Stability | Minimum 6 months in current job |
| 11 | Credit Score (CIBIL) | Minimum 650+ recommended |
Common Purposes for Personal Loan:
- Wedding expenses and celebrations
- International or domestic travel
- Medical emergencies and healthcare
- Home renovation and improvement
- Education and skill development
- Debt consolidation
- Business startup capital
- Consumer durable purchases
Required Documents for Personal Loan
- Identity Proof - PAN Card & Aadhaar Card (Mandatory)
- Address Proof- Passport / Electricity Bill / Registered Rent Agreement / Voter ID
- Income Proof - Last 3 Months Salary Slips
- Bank Statements - Last 6 months salary credited account statements
- Form 16 / ITR for last 2 years with computation of income
- Employment Proof - Employee ID Card / Appointment Letter
- 2 Recent Passport-size Photographs
Why Choose Help Desk Finserve for Personal Loan?
Under the leadership of Mr. Pravesh Sharma (Managing Director) with over 12 years of banking and insurance expertise, Help Desk Finserve provides transparent personal loan solutions with access to multiple bank options. We simplify the loan process, ensure complete clarity on all charges and terms, and help you choose the best offer that suits your financial needs and repayment capacity.