Simplify Your Life with Personal Loans from Deepshikha Finance
Deepshikha Finance Personal Loan
At Deepshikha Finance, we understand that life can throw unexpected challenges your way, and sometimes, you need that extra financial push to overcome them. Whether you’re planning a dream wedding, facing an urgent medical expense, or want to consolidate your debt, our personal loans are designed to meet your needs with ease and flexibility.
No Running Between Banks
Goodbye to endless bank visits. With our online process, apply from the comfort of your office or home.
Online Process
A fully digitalized application process that saves you time and spares you the paperwork.
Fast Approval
Get quick approvals for your personal financing needs and keep your life in track.
Easy Repayment Options
Flexible repayment plans that adapt to your business cash flow and financial structure.
Lowest Processing Fee
Our processing fee starts at 1% which is lowest in the industry.
No unnecessary calls
We know unnecessary calls are frustrating. We don’t bother our clients with unnecessary calls.
Personal Loan eligibility
| Age Requirement | Applicants must be between 21 and 60 years old. |
| Type of Employment | We welcome applications from government employees, private salaried individuals, and self-employed professionals. |
| Minimum Income | A steady monthly income of ₹20,000 to ₹30,000, varying by employment type. |
| Credit Score | A healthy credit score of 750 and above to ensure favorable loan terms. |
| Nationality | Must be an Indian citizen. |
| Work Experience | At least 1 year of work experience in your current field. |
| Competitive Interest Rates | Benefit from interest rates starting as low as 8.5%* per annum. |
| Swift Disbursal | With our streamlined process, the funds could be in your account in just 2-7 business days*. |
Personal Loan loan processing fee
Processing Fees: 1 – 2.5%, determined by your loan eligibility. When you choose Deepshikha Finance for your personal loan, you’re not just getting financial assistance; you’re unlocking a world of possibilities. With processing fees ranging from just 1 to 2.5%, based on your eligibility, accessing the funds you need is more affordable than ever.
*Terms and Conditions Apply. Interest rate and loan approval are subject to eligibility and creditworthiness. And the disbursal time may vary.
Personal Loan Process
1. Submit Your Application:
Get started by filling out our online form and providing the necessary documentation.
2. We Match You:
Our experts will review your profile and match your need with banks that can offer the best rates.
3. Relax, While We Handle the Rest:
We take care of the loan approval process, so you can focus on what you do best—running your business.
Personal Loan eligibility documents
| Personal KYC | A PAN card for identity verification. |
| Address Proof | Any valid proof of residence, such as a Rent Agreement, Driving License, or Aadhar Card. |
| Bank Statements | The last 6 months of current account bank statements for financial assessment. |
| Salary Slip | The last 3 to 6 months of salary slips if you’re employed. |
Apply for Your Personal Loan Today
Unlock the financial freedom you’ve been seeking with Deepshikha Finance. Our personal loans are designed with your needs in mind, offering the flexibility, speed, and convenience you deserve. Apply now and experience a seamless loan application process from the comfort of your home.
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Business Loan
Car Loan
Bike Loan
Home Loan
Land Loan
Frequently Asked Questions (FAQs)
What is a Personal Loan?
A personal loan is an unsecured loan provided by financial institutions based on criteria like employment history, income level, credit score, and repayment capacity. It can be used for any personal financial need and the bank does not monitor its use.
Who can apply for a Personal Loan?
Indian citizens aged between 21 and 60 years, who are either government employees, private salaried individuals, or self-employed professionals with a minimum income of ₹20,000 to ₹30,000 per month and a credit score of 750 and above, are eligible to apply.
What are the types of Personal Loans available?
Deepshikha Finance offers various types of personal loans to cater to different needs, including loans for government employees, instant personal loans for self-employed individuals, and general personal loans for other salaried professionals.
How much can I borrow with a Personal Loan?
The loan amount you can borrow depends on various factors including your income, credit score, and repayment capacity. Deepshikha Finance offers personal loans from ₹1 Lakh up to a maximum amount based on the applicant’s eligibility.
Are there any processing fees for a Personal Loan?
Yes, there is a processing fee for personal loans at Deepshikha Finance, ranging from 1 to 2.5% of the loan amount, determined by your loan eligibility.