Personal Loan

Whether it's a wedding, a vacation, a medical emergency, or another personal objective, Viva Finance is ready to help with our simple and rapid personal loans. We have you covered, no matter what your needs are!

RBL Bank Personal Loan

Interest Rate

14% - 23%

Loan Amount

₹1L - ₹20L

EMI Per Lakh

₹2,327 - ₹2,819

Processing Fees

Up to 2% of loan amount

Pre-Payment Charges

Between 13 to 18 months: 5% of outstanding principal. For more enquire us.

DCB Bank Personal Loan

Interest Rate

13% - 25%

Loan Amount

₹1L - ₹5L

EMI Per Lakh

₹2,275 - ₹2,935

Processing Fees

Up to 3% of loan sanctioned

Pre-Payment Charges

Karnataka bank Personal Loan

Interest Rate

12% - 17%

Loan Amount

₹1L - ₹25L

EMI Per Lakh

₹2,224 - ₹2,485

Processing Fees

Up to 2% of loan amount (Min. Rs 2,500 & Max. Rs 8,500)

Pre-Payment Charges

IDBI Bank Personal Loan

Interest Rate

11% - 15.5%

Loan Amount

₹25K - ₹5L

EMI Per Lakh

₹2,174 - ₹2,405

Processing Fees

Pre-Payment Charges

YES Bank Personal Loan

Interest Rate

10.99% - 20%

Loan Amount

₹1L - ₹40L

EMI Per Lakh

₹2,174 - ₹2,649

Processing Fees

Up to 2%

Pre-Payment Charges

Prepayment Charges Allowed if borrower has paid at least 12 EMIs. 20% of principal outstanding (13-24 months of EMI repayment)

Kotak Bank Personal Loan

Interest Rate

10.99%

Loan Amount

₹50K - ₹40L

EMI Per Lakh

₹2,174

Processing Fees

Up to 3% of loan amount

Pre-Payment Charges

0-12 months: Lock-in period 1- 3 years: 4% + GST 3 years onwards: 2% + GST

CITI Bank Personal Loan

Interest Rate

10.75% - 16.49%

Loan Amount

₹50K - ₹30L

EMI Per Lakh

₹2,162 - ₹2,458

Processing Fees

Up to 3% of the borrowed loan amount

Pre-Payment Charges

Up to 4% of the outstanding principal plus interest for the ongoing month

Deutsche Bank Personal Loan

Interest Rate

10.75% - 11.75%

Loan Amount

50K - ₹15L

EMI Per Lakh

₹2,162 - ₹2,212

Processing Fees

Up to 2% of the loan amount

Pre-Payment Charges

5% of the outstanding principal amount (fixed rate loan)

HDFC Bank Personal Loan

Interest Rate

10.5% - 24%

Loan Amount

₹50K - ₹40L

EMI Per Lakh

₹2,149 - ₹2,877

Processing Fees

₹4,999 One time fee

Pre-Payment Charges

4% of the outstanding principal (loan tenure between 13 - 24 months) 3% of the outstanding principal (loan tenure between 25 - 36 months) 2% of the outstanding principal (loan tenure if over 36 months) ...

ICICI Bank Personal Loan

Interest Rate

10.5% - 16%

Loan Amount

₹2.5L - ₹50L

EMI Per Lakh

₹2,149 - ₹2,432

Processing Fees

Upto 2.50% of loan amount plus applicable taxes

Pre-Payment Charges

For salaried customers 3% plus applicable taxes on principal outstanding aft

HDFC Sales Personal Loan

Interest Rate

10.5% - 25%

Loan Amount

₹50K - ₹40L

EMI Per Lakh

₹2,149 - ₹2,935

Processing Fees

Pre-Payment Charges

Axis Bank Personal Loan

Interest Rate

10.49% - 22%

Loan Amount

₹50K - ₹40L

EMI Per Lakh

₹2,149 - ₹2,762

Processing Fees

up to 2% of the loan amount + GST as applicable

Pre-Payment Charges

5% + GST (as applicable) Part-payment charges

IDFC FIRST Bank Personal Loan

Interest Rate

10.49% - 36%

Loan Amount

₹20K - ₹1Cr

EMI Per Lakh

₹2,149 - ₹3,613

Processing Fees

Up to 3.5% of the loan amount

Pre-Payment Charges

Foreclosure charges 5% of the loan amount

Federal Bank Personal Loan

Interest Rate

10.49% - 17.99%

Loan Amount

₹50K - ₹50L

EMI Per Lakh

₹2,149 - ₹2,539

Processing Fees

Up to 3% of loan amount

Pre-Payment Charges

Pre-payment/pre-closure charges - Floating Rate Scheme - NIL

IndusInd Bank Personal Loan

Interest Rate

10.25% - 26%

Loan Amount

₹3L - ₹75L

EMI Per Lakh

₹2,137 - ₹2,994

Processing Fees

Up to 3% of the sanctioned loan amount

Pre-Payment Charges

4% of outstanding principal (after repayment of 12 EMIs)

HSBC Personal Loan

Interest Rate

9.99% - 16%

Loan Amount

Up to ₹30L

EMI Per Lakh

₹2,124 - ₹2,432

Processing Fees

Up to 2% of the disbursed loan amount. Processing fee paid/deducted is non refundable

Pre-Payment Charges

5% within 1 year of tenure, 4% within 2 years, 3% within 3 years,

Reliance Capital Personal Loan

Interest Rate

Up to 16.25%

Loan Amount

EMI Per Lakh

₹2,445

Processing Fees

Up to 2%

Pre-Payment Charges

Before 6 months of disbursement date: 5% of the principal outstanding plus GST

L&T Finance Home Loan

Interest Rate

12% - 20%

Loan Amount

₹50K - ₹7L

EMI Per Lakh

₹2,224 - ₹2,649

Processing Fees

Consumer Loan: Up to 2% of principal outstanding plus applicable taxes Micro Loan: 1% of loan amount plus applicable taxes

Pre-Payment Charges

Part Prepayment Charges Consumer Loan: Up to 5% of prepaid amount plus applicable taxes (Part prepayment of up to 25% allowed twice per year) Foreclosure Charges Consumer Loan: 5% of outstanding principal amount plus applicable taxes Micro Loan: Nil

Aditya Birla Finance Limited Personal Loan

Interest Rate

13% - 28%

Loan Amount

₹1L - ₹30L

EMI Per Lakh

₹2,275 - ₹3,114

Processing Fees

Up to 3% of the loan amount

Pre-Payment Charges

Pre-closure Charges - Rs 1,000 + GST

Loan Amount:

₹

₹ 5 Lac ₹ 20 Cr

Loan Tenure (Years):

Years

5 30

Rate of Interest:

1 20

Monthly Loan EMI:

0.00

Total Amount Payable:

0.00

Principal Amount

0.00

Interest Payable

0.00

Features of Our Personal Loans:

Instant Approval: Receive your loan approval in as little as 24 hours!
Flexible loan amounts range from ₹50,000 to ₹20 lakhs.
Low interest rates start at 10.5% and are suited to your specific needs.
No collateral is required. Loans are completely unsecured, with no assets required as collateral.
Easy Repayment Options: We provide flexible EMI options to meet your lifestyle.
Minimal Documentation: Simple paperwork will get you the money quickly.

Eligibility criteria:

Age: 21-60 years.
Salaried persons must earn at least ₹20,000 per month.
Employment: Salaried or self-employed, having two years of consistent income.
Credit score: 600 or above for simple acceptance.

Required Documents:

Identity Proof (Aadhaar, PAN, or Passport); Address Proof (Utility Bill, Rent Agreement, or Passport);
Income Proof (three months' worth of pay stubs and six months' worth of bank statements)
Employment evidence: Business evidence or an offer letter for independent contractors
Pictures: passport-sized pictures

Why Opt for Vira Financing?

Fast Processing: Get your loan funded in as little as 24 hours with our quick approval procedure.
No Collateral: Since our personal loans are unsecured, you are not required to put up any collateral.
Tailored Loan Solutions: We provide loans that are tailored to your need and ability to repay.
Open Terms: Nothing to hide—you only pay for what you see.
Adaptable Tenure: Pay back your loan with simple EMI choices over a duration of one to five years.

FAQ

1: How much credit may I receive?
A personal loan of between ₹50,000 and ₹20 lakhs may be obtained, based on your income and qualifications.

2. In what time may I receive the loan?
You can anticipate loan disbursement within 24 hours of approval thanks to our quick processing.

3. What is the rate of interest?
Interest rates vary based on loan amount, payback period, and income, with a starting rate of 10.5%.

4. Do I have to offer any collateral or security?
No, there is no need for collateral; our personal loans are entirely unsecured.

5. Can I pay back the loan early?
It is easier for you to return the loan early if you so want because we do not impose any penalties for early repayment.

Connect With Us

info@virafinance.in

Consult Email

info@virafinance.in

Phone

+919266626668

Have Query ? Reach Out Us!