Personal loan

Why choose  Richi Loans and Financial Services for a Personal Loan?

We at Richi Loans and Financial Services simplify funding with expert financial and investment services tailored to your needs. Our goal is to provide you access to multiple lenders, best loan terms, fast approvals & quick disbursement, expert financial guidance, and less paperwork.. So, come visit Richi Loans and Financial Services choose our Personal Loan offers, to get Flexible Financing tailored to enhance your lifestyle.

 Eligibility:

• A personal loan applicant needs to be between 21 to 60 years.
• Typically, a monthly income of ₹15,000 to ₹25,000 is the benchmark for personal loan applicant
• A credit score of 750 or above is what a personal loan applicant needs to possess
• For a salaried individual, a minimum of 1-2 years of total work experience, with at least 6 months to 1 year in the current job is a requirement
• Applicants must be Indian citizens. Although, under certain conditions Non-Resident Indians (NRIs) may also be eligible

Documents:

• Proof of Identity: Aadhaar Card, PAN Card, Passport, Voter ID, and Driving License
• Proof of Address: Utility Bills (Electricity/Water/Gas – not older than 3 months), and Rent Agreement
• Income Proof:

For Salaried Applicants: Latest 3-6 months’ salary slips, Bank statements showing salary credits (last 3-6 months), and Form 16 or Income Tax Returns (ITR).

For Self-Employed Applicants: Audited financial statements (last 2-3 years), Profit and Loss account, Bank account statements (last 6-12 months), and GST returns or ITR

• Age Proof:

Birth Certificate, PAN Card, and Aadhaar Card

• Photographs:

Recent passport-sized photographs (usually 2-3 copies).

Why Choose Us?

• Best Deals, Tailored for You

We analyze multiple lenders for the most competitive offers

• Over 90% Approval Rate

Our expertise ensures a higher success rate

• Independent & Transparent

No hidden charges, unbiased financial advice

• Seamless Process

From documentation to disbursement, we handle everything

• Expert-Led Advisory

Ex-bankers and finance professionals guiding you