At FNC Finance, we know that life is full of moments that require immediate financial support. Our Personal Loan service is designed to provide you with quick, flexible, and transparent financing — without the need for any collateral.

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What is a Personal Loan?

A personal loan is an unsecured loan that you can use for virtually any personal purpose — medical emergencies, home renovation, weddings, education, travel, debt consolidation, or any other genuine financial need. Since no security or collateral is required, approval is based primarily on your income, employment status, and credit profile.

Current Personal Loan Interest Rates by Top Banks and NBFCs

Banks	Interest Rates
HDFC Bank	9.99% p.a.
Yes Bank	10.85% p.a.
Kotak Mahindra Bank	10.99% p.a.
Bajaj Finserv	10.00% p.a.
IDFC First Bank	9.99% p.a.
TATA Capital	10.99% p.a.
IndusInd Bank	10.49% p.a.
ICICI Bank	10.45% p.a.
Navi	9.90% p.a.
SBI	10.05% p.a.
HSBC Bank	9.95% p.a.
PNB	11.35% p.a.
Federal Bank	11.99% p.a.
Bank of Baroda	10.15% p.a.
Canara Bank	10.45% p.a.
Aditya Birla	10.99% p.a.
Central Bank of India	11.65% p.a.
Indian Bank	9.50% p.a.
UCO Bank	10.75% p.a.
Bank of India	8.90% p.a.
South Indian Bank	10.50% p.a.
IDBI	11.00% p.a.
Dhanlaxmi Bank	13.30% p.a.

Eligibility Criteria

Age: Between 21 and 60 years
Employment: Salaried employees (government or private sector) or self-employed professionals
Minimum Income: Subject to lender requirements — typically Rs. 15,000 per month or above
Credit Score: A CIBIL score of 700 or above generally improves approval chances
Work Experience: Minimum 1–2 years of employment or business continuity
Profitability: Business demonstrating consistent revenue or growth potential

Loan Amounts and Tenure

Loan Amounts: Based on income, eligibility, and lender criteria
Repayment Tenure: Flexible options from 12 months to 60 months
Interest Rates: Competitive rates sourced from leading banks and NBFCs — our advisors help you secure the best available rate

Benefits of Choosing FNC Finance

Fast Approvals: We work with lenders known for quick processing
Minimal Documentation: We handle the paperwork so you don’t have to
Flexible Repayment: Choose a tenure that suits your monthly budget
No Collateral Required: No need to pledge assets for personal loan approval
Expert Guidance: One dedicated advisor throughout the entire process

How It Works

Contact FNC Finance by phone, email, or walk into our office
Share your personal and financial details with our advisor
Eligibility is assessed and the best-fit lender is identified
Required documents are collected and submitted with our assistance
Required documents are collected and submitted with our assistance

Documents Typically Required

KYC Documents: PAN Card, Aadhaar Card, or Passport
Income Proof: Salary slips (last 3 months) or ITR for self-employed
Bank Statements: Last 3–6 months
Employment Proof: Offer letter, employee ID, or business registration certificate

Apply for a Personal Loan Today

Getting the financial support you need has never been easier. Contact FNC Finance and let us help you navigate your way to quick, transparent personal loan approval.

9427776766 | ✉ finscareconsultancy@gmail.com

At FNC Finance, our story is one of dedication, trust, and a relentless commitment to helping people achieve their financial aspirations.

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+91 9427776766

finscareconsultancy@gmail.com

Office No. M8, 2nd Floor, Hariom Complex, Above IDBI Bank, Rushabh Char Rasta, Adajan Patiya, Surat, Gujarat – 395009

Personal Loans