Seva Bandhu introducing instant Online Earnings Platform in India, it's one of the Digital India Programme, we are the access points for delivery of various E-governance and Business services to citizens in rural and Remote areas of the Country.

Service Details

Personal Loan (Only for 12K Salaried Person)

Description : We provide customized unsecured personal loans to the salaried customers, who traditionally don’t get loans from the banks and NBFCs and serve their needs without them having to pledge valuable securities or gold with money lenders at high interest rates.   <table border="1" cellpadding="1" cellspacing="1" style="width:500px"> <tbody> <tr> <td>Credit Score</td> <td>650 And Above</td> </tr> <tr> <td>Loan Amount</td> <td>Rs. 50,000/ to Rs.5 Lakh</td> </tr> <tr> <td>Tenure</td> <td>We provide a tenure starting from 6 months to a maximum of 3 years</td> </tr> <tr> <td>Interest Rate</td> <td>starts from 16%, but will vary based on the profile of the customer</td> </tr> <tr> <td>Required Salary</td> <td>Net in hand salary of minimum INR 12,000 per month (Salary should be Considered only NEFT/ RTGS Bank Credit)</td> </tr> </tbody> </table>   Purpose of loan : We serve all types of loan purposes, a few which are Marriage, Medical Treatment, Education for self or family, Rental Deposit, Pilgrimage, Home improvement, etc.   Eligibility Criteria : <ol> <li>Should be a salaried individual, and not self-employed or working in his own company or working as a part time individual</li> <li>Should be working in either a Private Limited Company or Public Limited Company or Educational Institution/Trust or is a Government Employee</li> <li>Age of the borrower should be more than 21 years</li> <li>No restriction on gender</li> </ol>   Work Experience : Should have a minimum total work experience of One year   Salary : <ol> <li>Net in hand salary per month should be minimum INR 12,000/-</li> <li>Salary credit should be happening directly to the bank accout through online transfer, salary in cheque or cash would not be Accepted</li> </ol>   Current EMI : <ol> <li>Current total EMI of the customershould be less than 50% of their net in-hand salary</li> <li>Customers should not have a current overdue in any loan</li> </ol>   Documents Required : We will require the following documents for our evaluation <ol> <li>Aadhar Card</li> <li>PAN Card</li> <li>Salary slips of 3 month (out of past 6 months for current employment)</li> <li>Bank statement for last 12 months of the Salary Bank Account, in original Bank PDF format</li> <li>The PDF statement should either have been downloaded from net banking or should have been sent on e-mail. Scanned bank statement converted to PDF will be rejected</li> </ol>   Post Sanction of the case we will need the following documents for disbursal of the loan : <ol> <li>Guarantor – Based on the profile of the customer, we may ask for a Guarantor within the family for the loan</li> <li>Four cheques of the salary bank account of the customer</li> <li>Passport size photograph of the customer</li> <li>Loan Statement / Loan Closure letter maybe asked from the customer, based on their profile</li> <li>Proof of Own House will be asked based on the profile of the customer</li> </ol>

Service Details

Personal Loan (Only for 12K Salaried Person)

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