RattanIndia Finance Limited Personal Loan can be availed to manage different personal purposes like a wedding, home renovation, health-related crisis, vacation, acquiring devices and so forth. You can avail a loan amount ranging from Rs. 1 lakh to Rs. 25 lakh and can repay it within tenure ranging from 12 to 72 months, which can be decided by you as per your convenience.
Rattan India Finance Limited Personal Loan Documents Required
For Salaried Professionals:
- Identity proof: Aadhar Card/ Voter ID/ PAN Card/ Driving license/ Passport (any one)
- Address proof: Aadhar card/ Voter ID/ Registered Rent Agreement/ Utility Bills/ Passport (any one)
- Income documents: Last 3 months salary slips and bank account statement of last 6 months reflecting salary credit
- Other documents: Loan application form and Passport size photograph
Self-Employed Individuals/Professionals:
- Identity proof: Aadhar Card/ Voter ID/ PAN Card/ Driving license/ Passport (any one)
- Address proof: Aadhar card/ Voter ID/ Registered Rent Agreement/ Utility Bills/ Passport (any one)
- Business proof: Qualification Certificate/Certificate of Practice (COP), Shop Act License/ MOA & AOA/ Sales Tax/ Vat registration/ Partnership Deed
- Income documents: Last 2 years of Income Tax Return, P&L and Balance Sheet, Last 6 months Bank Statement
- Other documents: Loan application form and Passport size photograph
Rattan India Finance Limited Personal Loan – Eligibility Criteria
| If you are a salaried individual | · You should be in the age group of 23-60 years
· You should be a long-term employee of the current organization |
| If you are a self-employed individual | · You should be in the age group of 28-65 years
· You should have business continuity of at least 2 years |
FAQs
Q. What would be the tenure to avail RattanIndia Finance Limited personal loans?
Ans. RattanIndia finance has a very wide and flexible range of tenure ranging from 12 to 72 months.
Q. Who can perform as my co-applicant?
Ans. The spouse and parents can perform as the co-applicant for the personal loan.
Q. Is it possible to foreclose a personal loan?
Ans. RattanIndia offers flexibility to repay the loan after half of the year of the disbursement.
Q. Is it possible to cancel a personal loan?
Ans. The loan can be cancelled within 15 days of disbursement in case you are not happy with the provided terms and conditions along with applicable cancellation charges.
Q. Are there any additional charges apart from the interest rate?
Ans. Yes, processing fee and documentation fee are charged on RattanIndia Finance Limited personal loan. Also, there are GST charges on additional charges and interest payments.
Q. How can I keep a track of my personal loan statement and repayment schedule?
Ans. You can keep the track record of your personal loan statement and repayment schedule by following the below-mentioned ways:
- You can login to the customer service portal and can make an online request.
- You can call the customer care executive at 186-0258-1000.
- You can send an email to loanservice@rattanindia.inalong with your loan number and personnel details from your registered email id.