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Financial Freedom for Your Every Need

A flexible, no-collateral credit facility to help you bridge the gap between your aspirations and your savings.

The Bharat Bank Personal Loan is your go-to financial partner for managing lifeā€™s unplanned or high-value expenses. Whether you are planning a dream wedding, funding a child's higher education, renovating your home, or tackling a medical emergency, our personal loan provides immediate liquidity without the need for collateral. With competitive interest rates and a simple application process, we ensure your plans stay on track, no matter the situation.

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  • Purpose: Weddings, vacations, education, Purchase of furniture and fixtures home renovation, or any other legitimate personal need.
  • Eligible Securities: Existing Immoveable Security - Existing security of immoveable property shall not be released till closure of said Personal Loan and details of same shall be noted in the Title Deeds Register.
  • Maximum Loan Amount : Up to ā‚¹3.00 Lakh
  • Repayment: Up to 60 Months (5 years).
  • Target Group: Bankā€™s Existing Ā Borrowers Ā (Existing Loan A/c to be Standard).
  1. Identity & Address Proof: Aadhaar Card (or any other Officially Valid Document), PAN Card, and latest Passport Size Photograph.
  2. Income Proof (Salaried): Last 3 months' Salary Slips, Form 16, and Income Tax Returns (ITR).
  3. Income Proof (Self-Employed): Last 2 years' Audited Financials and ITR.
  4. Bank Statements: Last 6 months' operative account statements showing salary or business turnover.
  5. Employment Proof: Appointment letter or Employee ID card.
  • Can I use the funds for business?
    Yes, the bank allows the use of personal loan funds for legitimate business expansion or working capital needs.
  • How long does the approval take?
    For existing customers with a clean credit history, approvals are typically processed within 3 to 5 working days after document submission.

Service Charges, Margin & Rate of Interest :
- As Applicable from time to time

  • Purpose: Weddings, vacations, education, Purchase of furniture and fixtures home renovation, or any other legitimate personal need.
  • Eligible Securities: Existing Immoveable Security - Existing security of immoveable property shall not be released till closure of said Personal Loan and details of same shall be noted in the Title Deeds Register.
  • Maximum Loan Amount : Up to ā‚¹3.00 Lakh
  • Repayment: Up to 60 Months (5 years).

  • Target Group: Bankā€™s Existing Ā Borrowers Ā (Existing Loan A/c to be Standard).

  1. Identity & Address Proof: Aadhaar Card (or any other Officially Valid Document), PAN Card, and latest Passport Size Photograph.
  2. Income Proof (Salaried): Last 3 months' Salary Slips, Form 16, and Income Tax Returns (ITR).
  3. Income Proof (Self-Employed): Last 2 years' Audited Financials and ITR.
  4. Bank Statements: Last 6 months' operative account statements showing salary or business turnover.
  5. Employment Proof: Appointment letter or Employee ID card.

  • Can I use the funds for business?
    Yes, the bank allows the use of personal loan funds for legitimate business expansion or working capital needs.
  • How long does the approval take?
    For existing customers with a clean credit history, approvals are typically processed within 3 to 5 working days after document submission.

Service Charges, Margin & Rate of Interest :
- As Applicable from time to time