Personal Loan

How difficult it is to take a loan from NBFCs with long queues, hefty documents, and non-digital loan process services. However, Chintamani has developed a process that is easy & simple, a digital lending process that offers competitive interest rates, minimal documentation, and flexible tenure options. Our Personal Loans product manages your finances and makes life easy.

Chintamani Finlease offers a personal loan facility to every individual, even for a bad credit score or a new-to-credit (with no credit history or a first-time user).  Our loan covers medical crisis expenditure, children's education, house improvements, and current urgent financial necessities. We offer this facility on a fixed interest rate as an unsecured loan to salaried and self-employed persons aged from 18 to 65 years.

Chintamani Finlease offers loan products for handling medical emergencies, planning for weddings, travel, or other urgent requirements. Choose our online Personal Loan product to achieve your financial goals with confidence and meet other emergencies.

Why Is Every Personal Loan is Popular in India?

• No Collateral Required.
• Easy online application and disbursement.
• Fixed EMIs make it easy to plan a monthly budget.
• Customizable repayment tenure.
• We are Chintamani Finlease Ltd. and many lenders in the field.

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How does our personal loan work?

Knowing, how our personal loans product helps you at the time of need

Application—Apply for the loan through the online application or website and visit a branch.

Evaluation—The lenders check your income, credit score, and documents.

Approval—If eligible, you’re approved for a specific loan amount.

Disbursal – The amount is directly transferred to your bank account. 

Repayment—You repay the loan through fixed monthly EMIs over the loan tenure.

Chintamani Finlease Personal Loans start from ₹50,000 and go up to ₹3 Lakhs, with fixable repayment tenure & zero collateral.

Types of Personal Loans

There are two types of personal loans.

1. Unsecured Personal Loan

An unsecured personal loan is a type of loan that does not require any collateral or security. This means you don’t have to pledge assets like a house, car, fixed deposit, or gold to get the loan. The lender gives you the loan based entirely on your creditworthiness and repayment capacity/history. Suppose you apply for a personal loan from Chintamani Finlease; in that case, you don’t need to submit any property documents or provide any guarantee, subject to terms & conditions depending on the case-by-case basis.

1. Secured Personal Loan

Some lenders offer personal loans against security like fixed deposits, insurance policies, or gold. These are called secured personal loans and usually offer lower interest rates.

Designed like

• Borrowers with low credit scores.
•  Individuals requires loan amounts with quick disbursement

When individuals are not able to meet the unsecured loan criteria. They can apply for a secured loan. 

 

Documents required for an unsecured personal loan for salaried individuals.

• Last 3 months' salary slip from the date of application.
• Last 6 months' bank statement.
• KYC Documents (Aadhaar Card, Pan Card, Passport)
• Utility Bill 
• Rent Agreement, if tenant applicant.
• 2 Recent Passport-Size Photographs.
• Work Experience—Min 1 year in regular employment.

 

Documents required for an unsecured personal loan for self-employed individuals.

Before applying for a loan, you must check over the following qualifying criteria:

 

Eligibility Criteria	Details
Age	18 years up to 65 years
Employment type	Self-employed
Minimum Net Income	Rs. 60,000/-
Work Experience	Self-employed: Business standing of at least 3 years.

 

 

 

Benefits of applying for a personal loan from Chintamani Finlease Ltd. 

1. No Collateral Required: The benefit associated with an online personal loan is that it is unsecured in nature.
   
    
2. Low CIBIL Funding: Chintamani Finlease demonstrates its willingness to be a faithful friend to all of its customers, promising not to abandon them in their time of need by providing loans to those with poor CIBIL scores.
3. Minimum Paperwork: The verification and documentation The procedure has become more efficient, with only a few documents required for approval.
   
    
4. Easy and Quick Approval: The procedure has gone digital, which has resulted in a reduction in verification time.
   
    
5. Multipurpose in Nature: It is multifunctional and used for various purposes, except for investing and criminal activities.
   
    
6. Fast Assistance: Personal loan approval is a quick and hassle-free procedure. For any questions, concerns, or feedback, please contact us at info@chintamanifinlease.com.
   
    
7. Customer Needs at the Forefront: We aim to provide you with the most personalized experience by handpicking personal loan options based on the client profile. All of our services are provided at no cost to our consumers.
   
    
8. Trust and Reliability: With years of experience in the financial industry, Chintamani Finlease has earned a reputation for trust and reliability. Count on us to provide you with dependable financial solutions that meet your needs and exceed your expectations. 
   
    
9. Security and Confidentiality: We prioritize the security and confidentiality of your personal information. Rest assured that your data is safe with us, and we follow strict privacy standards to protect your privacy.

Frequently Asked Questions (FAQs).

1. How to get 50,000 rupees immediately?

You can get a 50,000-rupee personal loan from Chintamani Finlease Ltd. without a hefty document process & an easy disbursal process.

2. Who is eligible for a personal loan?

Anyone who is above the age of 18, has a salary above Rs.30000/-, & has employment work experience of min. 1 year. A self-employed individual must have a business standing of 3 years of profit.

3. How much personal loan can you get? 

Loan amounts vary based on customer profiles. At Chintamani Finlease Ltd., you can get a personal loan ranging from 30k to 3 lakhs depending on your income, credit score, employment type, and repayment ability.

4. What if we miss EMI repayments?

Missing EMI can lead to.

Late payment penalties.

Negative impact on your credit score.

Difficulty in getting future loans.

5. Is it safe to take a personal loan from Chintamani Finlease Ltd.? 

Quick approvals & simple disbursal.

Minimal Documentation.

Digital process for the applicant.

Clear terms & conditions, flexible tenures, and competitive interest rates.