NBFCs have emerged as a popular alternative to banks, offering faster personal loan approvals, flexible eligibility criteria, and a fully digital borrowing experience. They cater to a wide range of borrowers, including those with moderate credit scores, while providing flexible loan amounts and repayment tenures. Before applying, borrowers should compare interest rates, charges, eligibility criteria, and lender credibility to make an informed decision. Understanding the application process, required documents, and common borrowing mistakes can help ensure a smoother and more affordable loan experience.
A personal loan from an NBFC is an unsecured loan offered by a Non-Banking Financial Company that provides quick access to funds with flexible eligibility criteria and minimal documentation.
जेव्हा फायनान्सिंगची गरज असते, तेव्हा पर्सनल लोन्स तुम्हाला कठीण परिस्थितीतून बाहेर पडण्यास मदत करू शकतात. बँकांचा पर्याय दीर्घकाळ असला तरी, नॉन-बँकिंग फायनान्शियल कंपन्या (एनबीएफसी) त्यांच्या सुलभ प्रक्रिया, जलद मंजुरी आणि ग्राहक-अनुकूल अटींसह लोन घेण्याचा अनुभव पुन्हा परिभाषित करीत आहेत.
या लेखात, आम्ही एनबीएफसी कडून पर्सनल लोन घेण्याचे प्रमुख लाभ आणि ते तुमच्या फायनान्सिंग गरजांसाठी चांगला पर्याय का आहेत हे जाणून घेतो.
NBFC म्हणजे काय?
Non-Banking Financial Companies (NBFCs) are organizations that provide key financial services like loans and investments. NBFCs are registered with the RBI and are regulated and supervised by it.
Most NBFCs offer quicker approvals, customized loan products, and a more borrower-friendly experience, making them a preferred choice for those seeking personal loans without the rigid requirements of traditional lenders.
NBFCs differ from banks on several counts. While banks can accept demand deposits and issue cheques, NBFCs cannot operate payment systems. Moreover, banks are governed under the more stringent Banking Regulation Act of 1949, whereas NBFCs operate under the RBI Act of 1934 and the Companies Act of 2013.
NBFC मधून पर्सनल लोन का निवडावे?
NBFC चे प्रमुख लाभ येथे दिले आहेत जे NBFC कडून पर्सनल लोन घेण्याचा विचार करणे योग्य बनवतात.
1. NBFC पर्सनल लोनसह जलद लोन मंजुरी प्रक्रिया
NBFC कडून पर्सनल लोनचा सर्वात मोठा लाभ म्हणजे किती जलद आणि त्रासमुक्त लोन मंजुरी प्रोसेस आहे. एनबीएफसी त्यांच्या किमान पात्रता आणि डॉक्युमेंटेशन गरजा लक्षात घेऊन सुव्यवस्थित आणि जलद लोन प्रोसेसिंग फीचर करतात.
NBFCs only ask for a few KYC documents, so the application process is easy. As a result, most NBFCs sanction loans in 24 to 48 hours, while some even provide instant loan sanctioning via their mobile applications or websites.
अशा जलद प्रोसेसिंगमुळे NBFCs ला आपत्कालीन गरजांसाठी किंवा पूर्व-नियोजित खर्चासाठी त्वरित फायनान्सिंगच्या शोधात असलेल्यांसाठी योग्य निवड बनते.
2. NBFC पर्सनल लोनसाठी लवचिक पात्रता निकष
एनबीएफसी त्यांच्या पात्रता निकषांमध्ये काही मोकळे देखील प्रदान करतात, मोठ्या संख्येने कर्जदारांना पर्सनल लोन्स उघडतात.
Most NBFCs sanction loans even for those who have moderate credit scores. Even if your credit score is 600-650, you might still be able to get an NBFC personal loan for bad credit. Additionally, they consider the comprehensive financial profile of the borrower, such as monthly income, liabilities, and repayment ability, instead of taking only the credit score into consideration.
3. NBFC कडून लवचिक लोन रक्कम आणि कालावधी
एनबीएफसी उच्च लोन रक्कम आणि लवचिक रिपेमेंट कालावधीसह पर्सनल लोन प्रदान करतात, ज्यामुळे त्यांना लहान तसेच मोठ्या फायनान्शियल आवश्यकतांसाठी योग्य बनते.
You can secure a personal loan amount between Rs. 50,00,000 and Rs. 25 lakh, depending on your creditworthiness and financial needs and repay it easily over a fixed tenure. NBFC personal loans may have a term between 12 months and 5 years or more. Additionally, the loan term and EMI payment schedule can be adjusted to meet individual requirements.
For example, if you want lower EMIs, you can opt for a higher tenure. However, it may increase your overall interest outgo. Similarly, if you are comfortable paying higher EMIs, you can opt for a lower tenure. This will bring down your interest cost.
4. NBFC पर्सनल लोनवर स्पर्धात्मक व्याजदर
Many NBFCs offer competitive and customized interest rates for personal loans, making personal loans affordable for a wide range of borrowers.
Fixed vs floating rate options: Many NBFCs also offer the facility of choosing between fixed and floating interest rates, depending on whether they prefer predictable EMIs or rates that may change with market conditions.
Risk-based pricing: Most NBFCs follow a risk-based pricing structure to determine NBFC loan interest rates. If you are a high-risk borrower with a low credit score, you might have to bear a higher interest rate and vice versa.
Negotiation option: If you have a good credit record and a stable source of income, you might be able to negotiate the personal loan interest rates with the lender.
5. संपूर्ण भारतात NBFC पर्सनल लोन्सची विस्तृत ॲक्सेसिबिलिटी
पारंपारिक लेंडरच्या तुलनेत, एनबीएफसीची कठोरपणे शहरी झोनच्या बाहेरील भागात अधिक पोहोच आहे. यामुळे अधिक व्यक्तींना विश्वसनीय फायनान्सिंगचा ॲक्सेस मिळतो. त्यामुळे, अर्ध-शहरी, ग्रामीण किंवा दुर्गम भागात फायनान्सिंग शोधणाऱ्या व्यक्तींसाठी एनबीएफसी अधिक योग्य पर्याय असू शकतात. NBFC loans are easily available in Tier 2 and Tier 3 regions, where not all banks operate.
6. NBFC लोन ॲप्लिकेशनमध्ये तंत्रज्ञान-सक्षम सुविधा
एनबीएफसी सुरळीत आणि सोयीस्कर लोन प्रोसेस सुलभ करण्यासाठी प्रगत टेक्नॉलॉजीचा वापर करतात.
Apply online: Simple-to-use apps and online platforms allow you to complete NBFC loan apply online process, upload documents, and monitor repayments without stepping out of your house.
Track loan status: Simply visit your lending NBFCs website and log in to your account to monitor your loan status, repayment schedule, and outstanding amount in real time, providing complete transparency and ease.
तसेच, तुम्ही तुमच्या लेंडरच्या वेबसाईटवर उपलब्ध पर्सनल लोन EMI कॅल्क्युलेटर वापरून तुमचे लोन प्रभावीपणे प्लॅन करू शकता. टूल्स तुम्हाला तुमचा मासिक खर्च निर्धारित करण्यात मदत करतात, ज्यामुळे तुम्हाला चांगले बजेट करण्यास सक्षम होते.
7. NBFC द्वारे कस्टमाईज्ड पर्सनल लोन प्रॉडक्ट्स
Different loans for different use cases: NBFCs also provide tailored personal loan products for various financial requirements. Be it a medical emergency, wedding, or business investment, a personal loan from NBFCs offers you the flexibility of end-use to easily meet these demands.
Availability of segment-based loans: At the same time, several NBFCs have segment-specific loans for salaried employees, self-employed individuals, or entrepreneurs, with specific terms and advantages based on their financial profiles.
आणि जर ते पुरेसे नसेल तर तुम्ही पर्सनल लोन्स अधिक परवडणारे बनविण्यासाठी सणासुदीच्या हंगामात NBFC द्वारे ऑफर केलेल्या विशेष ऑफर, सवलतीचे प्रोसेसिंग शुल्क किंवा कमी व्याज रेट्सचा आनंद घेऊ शकता.
The speed, flexibility and range of digital loan products make NBFCs a convenient option for borrowers with unique financial requirements. Comparing offers can help you choose the best NBFC for a personal loan.
What are the NBFC personal loan interest rates and charges?
Many NBFCs in India offer personal loans at highly competitive interest rates. NBFC loan interest rates may vary from one lending institution to another, and typically range between 9% per annum and 28% per annum. The exact rate depends on the borrower’s credit profile, debt-to-income ratio, employment stability, and the prevailing market conditions.
Apart from the interest rate, NBFCs may levy the following charges on personal loans:
Processing fee: It is a one-time fee charged as a small percentage of the loan amount. The lender charges this fee to cover the expenses incurred during loan verification and processing.
Foreclosure or prepayment charges: If you choose to foreclose or prepay the loan amount before the end of its tenure, the lender may charge an additional foreclosure charge. It usually ranges between 2% and 4% of the outstanding loan amount.
EMI bounce charges: If your EMI payment gets bounced due to insufficient funds in your bank account or any other reason, the lender may charge a flat fee as an EMI bounce charge.
What are the hidden charges in NBFC personal loans?
Apart from the charges mentioned above, certain hidden charges may also apply to NBFC personal loans. Understanding these charges beforehand may help borrowers avoid surprises later:
Stamp duty and other statutory charges: These charges are levied by the government and may vary from state to state.
Loan cancelation charges: These charges are levied only if you wish to cancel your loan after the sanction or disbursement stage. It can be a flat fee or a percentage of the loan amount.
Penal interest or late payment charges: If your EMI payment gets delayed or if you miss your EMI payment date, you may incur additional penal interest and late payment charges.
Duplicate statement charges: A flat fee (plus GST) is charged if you apply for a duplicate statement of your personal loan.
Loan modification charges: They are levied if you request certain changes or modifications to your personal loan structure. For example, you can apply for a change in EMI schedule, tenure, etc.
Insurance premium: You can voluntarily opt for a loan protection insurance plan offered by the lender by paying a one-time insurance premium. It ensures that the repayment won’t fall on your family members if something happens to you.
What are the NBFC personal loan eligibility criteria and required documents?
Personal loans from NBFCs are given based on simple qualification rules, making borrowing more accessible than with traditional lenders. The basic NBFC personal loan eligibility criteria include:
1. वय
स्थिर उत्पन्न
रोजगार प्रकार
रिपेमेंट क्षमता
Applicants must also meet other NBFC personal loan requirements specified by the lender.
What are the documents required for an NBFC personal loan application?
For NBFC loan apply online, keep the following documents ready:
ओळख आणि ॲड्रेस पुरावा: KYC साठी आधार/PAN/पासपोर्ट
Income documents: Salary slips for salaried applicants. ITR for self-employed borrowers.
How does credit score affect your NBFC personal loan approval?
तुमचा क्रेडिट स्कोअर हा सर्वात महत्त्वाच्या NBFC लोन मंजुरी घटकांपैकी एक आहे कारण तो रिपेमेंट शिस्त दर्शवितो. उच्च स्कोअर लेंडरसाठी रिस्क कमी करतो आणि जास्त लोन रक्कम आणि जलद मंजुरीसह त्वरित पर्सनल लोन NBFC प्राप्त करण्याची शक्यता वाढवते. स्थिर उत्पन्न आणि व्यवस्थापित करण्यायोग्य लोन असल्यास मध्यम स्कोअर असलेले अर्जदारही मंजूर केले जाऊ शकतात.
While eligibility is broader, a strong score also helps secure better NBFC loan interest rates, leading to more affordable EMIs over the tenure.
How to apply for a personal loan from an NBFC?
You can apply for an NBFC personal loan online in just a few minutes using a website or mobile app. The fully digital NBFC loan application process helps you avoid branch visits and get funds swiftly.
या स्टेप्सचे अनुसरण करा:
लेंडरच्या वेबसाईट किंवा ॲपला भेट द्या
मूलभूत वैयक्तिक आणि उत्पन्न तपशिलासह ॲप्लिकेशन फॉर्म भरा
KYC आणि इन्कम डॉक्युमेंट्स अपलोड करा
लोन रक्कम आणि कालावधी निवडा
ई-KYC पूर्ण करा आणि मंजुरी आणि वितरणाची प्रतीक्षा करा
Choosing the best NBFC for personal loan can give you fast approval, minimum documentation, and more flexibility in repayment.
What are the key differences between NBFC and bank personal loans?
It becomes easier to choose the right lender when you compare personal loans from NBFCs and banks side-by-side. The benefits of personal loan from NBFC lie in faster approvals, more relaxed eligibility, and digital convenience, while banks focus more on conventional underwriting and strict documentation.
पैलू
NBFC पर्सनल लोन
बँक पर्सनल लोन
प्रक्रिया वेळ
त्वरित ते 48 तास
अनेक दिवस ते आठवडे
डॉक्युमेंटेशन
किमान आणि पेपरलेस
व्यापक प्रत्यक्ष पेपरवर्क
क्रेडिट स्कोअरची आवश्यकता
मध्यम स्कोअर स्वीकारले
जास्त स्कोअर प्राधान्यित
लवचिकता
उच्च रिपेमेंट आणि लोन रक्कम लवचिकता
तुलनेने कठोर अटी
ॲक्सेसयोग्य
अर्ध-शहरी/ग्रामीण भागात मजबूत उपस्थिती
अधिकांशतः शहरी-केंद्रित
व्याजदर
Interest rates are usually higher than those for bank loans.
Interest rates are usually lower than those on NBFC loans.
प्रक्रिया फी
NBFCs levy higher processing fees, ranging from 1% to 4%.
Banks charge lower processing fees, starting from 0.5%.
What are the common mistakes to avoid while taking NBFC loans?
Mistakes when applying for an NBFC personal loan can not only lead to the rejection of your loan application but can also disrupt your financial planning. टाळण्यासाठी काही सामान्य चुका येथे आहेत:
Not comparing loan offers: This is one of the most common mistakes borrowers make. Comparing loan offers from several NBFCs can help you get the best deal in terms of borrowing costs and convenience.
Not reading the loan agreement: It’s crucial to read the loan agreement carefully before signing. Not doing so can lead you to miss important terms, conditions, or applicable fees.
Not checking the lender’s credibility: Not all NBFCs operating in the industry are genuine. It’s important to read online reviews and check a lender’s customer service or grievance redressal process before applying.
Not verifying your eligibility: Applying for a loan with an NBFC without checking if you are eligible can lead to the rejection of your loan application. It can also hurt your credit score unnecessarily.
Not submitting correct documents: Submitting incomplete or inaccurate documents is another mistake that can lead to the rejection of your loan application. It’s better to always cross-check the documents before submitting.
निष्कर्षामध्ये
NBFC कडून पर्सनल लोनसाठी अप्लाय करणे तुम्हाला अनेक फायदे देते. यामध्ये तत्काळ अप्रूव्हल, उदार पात्रता, स्पर्धात्मक व्याजदर, व्यापक ॲक्सेस आणि त्रासमुक्त ऑनलाईन अनुभव समाविष्ट आहे.
This makes NBFCs a more suitable option than traditional lenders. Are you looking for instant loans at competitive interest rates from the best NBFC for personal loans? Go to the Tata Capital Website or download the app to explore our flexible loan offerings.
उत्तर. एनबीएफसी कर्जदाराच्या क्रेडिट प्रोफाईल आणि इन्कम स्थिरतेनुसार स्पर्धात्मक व्याज रेट्सवर पर्सनल लोन्स प्रदान करतात, ज्यामुळे ते आकर्षक पर्याय बनतात.
एनबीएफसी अनसिक्युअर्ड लोन प्रदान करू शकते का?
होय, एनबीएफसी अनसिक्युअर्ड लोन्स ऑफर करतात, याचा अर्थ असा की कर्जदाराला कोणतीही मालमत्ता तारण म्हणून सबमिट करण्याची आवश्यकता नाही.
आम्ही NBFC कडून बँकमध्ये पर्सनल लोन बदलू शकतो का?
होय, पर्सनल लोन NBFC मधून बँकमध्ये शिफ्ट केले जाऊ शकते.
एनबीएफसी कडून पर्सनल लोन घेणे चांगले आहे का?
उत्तर. होय, जेव्हा पर्सनल लोनच्या प्रोसेसचा विषय येतो तेव्हा एनबीएफसी सोयीस्कर आणि लवचिक असतात. लवचिक लोन अटी किंवा सरासरी क्रेडिट स्कोअर असलेल्या व्यक्तींसाठी हे विशेषत: आदर्श आहे.
एनबीएफसी लोनची प्रोसेस कशी काम करते?
उत्तर. NBFC कडून पर्सनल लोन पाच सोप्या स्टेप्समध्ये प्राप्त केले जाऊ शकते: A. इच्छित NBFC लेंडरच्या वेबसाईटवर जा किंवा ॲप डाउनलोड करा. b. काही मूलभूत तपशील भरून तुमची पात्रता व्हेरिफाय करा. c. ॲप्लिकेशन फॉर्म पूर्ण करा आणि लोन रक्कम आणि रिपेमेंट कालावधी निवडा. d. e-KYC प्रक्रिया पूर्ण करा.
NBFC पर्सनल लोनसाठी कोणते डॉक्युमेंट्स आवश्यक आहेत?
एनबीएफसी सामान्यपणे मूलभूत KYC पुरावा, उत्पन्नाचा पुरावा आणि अलीकडील बँक स्टेटमेंटची विचारणा करतात. मंजुरी प्रक्रिया पूर्ण करण्यासाठी तुम्हाला तुमचे आधार आणि PAN, सॅलरी स्लिप किंवा ITR आणि 3-6 महिन्यांचे बँक स्टेटमेंट सबमिट करणे आवश्यक असू शकते.
मला NBFC कडून त्वरित पर्सनल लोन मिळू शकेल का?
होय, अनेक एनबीएफसी पूर्णपणे डिजिटल ॲप्लिकेशन्सद्वारे त्वरित पर्सनल लोन ऑफर करतात. जर तुमचे KYC आणि इन्कम त्वरित पडताळले गेले तर लोन काही मिनिटांत ते 24 तासांमध्ये मंजूर आणि वितरित केले जाऊ शकते.
NBFC मध्ये पर्सनल लोन पात्रता कशी तपासावी?
तुम्ही लेंडरचे मूलभूत तपशील भरून पात्रता ऑनलाईन तपासू शकता NBFC लोन ॲप्लिकेशन पेज किंवा मोबाईल ॲप. तुम्ही पात्र आहात का हे दाखवण्यासाठी सिस्टीम त्वरित वय, उत्पन्न, रोजगार प्रकार आणि क्रेडिट स्कोअर यासारख्या घटकांचे मूल्यांकन करते.
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