DCT Multiservices LLP - Your Trusted Financial Partner
Office no 101,102 1st Floor,Mittal chamber building , jm road Shivaji Nagar 411005
manasbaranwal@gmail.com +91 8600143860

Personal Loan

Funding for All Occasions

The Multi-Purpose Loan to Fulfill Every Personal Need

A Personal Loan is a versatile, unsecured loan that provides you with quick funds for any immediate financial requirement without having to state the exact purpose. It's ideal for covering expenses like:

  • Dream Holidays and Travel expenses.
  • Wedding or Marriage expenses.
  • Higher Education fees or Training costs.
  • Home Renovation or Purchase of Consumer Durables.
  • Medical emergencies or unexpected expenses.

Since it is unsecured, no security or collateral is required. Approval is solely based on your income, repayment capacity, and credit score.

Available for Salaried & Self-Employed
No Security or Collateral Required
Fixed Interest Rate for predictability
Quick Processing and Disbursal
Personal Loan for various uses

Personal Loan Inquiry

Get loan amounts ranging from ₹50,000 up to ₹15 Lakhs. Tell us about yourself to check your eligibility instantly.

Key Features and Benefits of Personal Loans

Personal Loans offer unique advantages designed for the individual's financial convenience.

Multi-Purpose Use

The funds can be used for almost any personal expense, offering unmatched flexibility unlike specific loans (e.g., Home Loan, Car Loan).

Fixed Rate of Interest

The interest rate remains unchanged throughout the loan tenure, providing stability and allowing for predictable monthly EMI planning.

Flexible Repayment

Choose a convenient tenure from a minimum of 12 months up to a maximum of 60 months, with easy EMI options like ECS or Auto-debit.

Minimal Documentation

The process involves simple documentation (KYC, Income Proof, Bank Statement), allowing for quick processing and fast direct credit to your account.

Detailed Personal Loan Eligibility Criteria

Eligibility differs slightly between salaried individuals and self-employed professionals/business owners.

For Salaried Individuals
  • Age: Minimum 21 years at application.
  • Maximum Age: 60 years at loan maturity.
  • Employment: Minimum 2 years in current employment.
  • Net Income: Minimum Net Monthly Income of ₹15,000.
For Self-Employed / Professionals
  • Age: Minimum 21 years at application.
  • Maximum Age: 65 years at loan maturity.
  • Business Experience: 3 years of continuous business experience.
  • Applicable to: Sole proprietors, Partners, and Directors in the business of Manufacturing, Trading, or Services.

Essential Documents for Personal Loan Application

Prepare the following standard documents to ensure rapid processing and disbursal.

Documents for Salaried
  • KYC Documents: ID Proof (Passport/Voter's ID/Driving Licence) & Address Proof (Utility Bill/Rental Agreement/Passport Copy).
  • Latest Salary Slip or Current Dated Salary Certificate.
  • Latest Form 16 (for tax purposes).
  • Last 6 months Bank Statement or Passbook copy (where salary is credited).
Documents for Self-Employed
  • KYC & Address Proof: Same as Salaried.
  • Last 2 years ITR along with Computation of Income, P&L, and Balance Sheet (CA Certified).
  • Last 6 months Bank Statement/Passbook (Business Account).
  • Proof of Continuation (Trade Licence/Establishment Certificate/Sales Tax Certificate).
  • Mandatory Documents (Sole Prop. Declaration, Partnership Deed, MOA/AOA if applicable).

Frequently Asked Questions (FAQs)

You can typically borrow up to ₹15 Lakhs. The exact amount is calculated based on your net income, existing liabilities, credit history, and overall repayment capacity. In some cases, combining a spouse's income might help achieve a larger loan size.

No, most financial institutions do not allow part-prepayment for Personal Loans. The loan must either be serviced for the full contracted tenure or prepaid (foreclosed) in full.

You can usually choose to repay your loan anytime after completing 12 months and paying 12 EMIs. Applicable foreclosure charges, as per the bank's terms, will be levied at the time of closure.

Once you submit the complete application and all required documents, the process typically takes around 7 working days for approval and disbursal, provided all criteria are met. All approvals are at the sole discretion of the lending bank.
DCT Multiservices LLP - Your Trusted Financial Partner

Our Office

Office no 101,102 first floor Mittal chamber building near Panchali hotel jm road Shivaji Nagar 411005

+91 8600143860

+91 7030143860

manasbaranwal@gmail.com

sales@dctfinmultiservices.com

backoffice@dctfinmultiservices.com

manas@dctfinmultiservices.com

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