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West Bengal is situated in the eastern part of India. Another name for it is a "melting pot of cultures. “The state gives you a unique flavour of richness in India as it has various languages, religions, customs, traditions and cuisines.
The state has a rural population of around 60%, and the majority of villagers live in small hamlets. Among the significant crops farmed in the state are rice, jute, tea, sugarcane, and others. Living in West Bengal, you may want some finance to fulfil your goals and needs. This is when a personal West Bengal can come in handy.
Personal loans from Lendingplate have affordable interest rates. You can apply for a quick loan in West Bengal by visiting our website. You will receive the funds in your bank account after its approval.
Want to plan your payments with our personal loan EMI calculator monthly? Get clear numbers in seconds to make smarter borrowing decisions.
We offer personal loan in West Bengal which come with lots of benefits. Let’s go through some of the main benefits and features of this personal loan: -
We assess your loan application on various parameters like credit score, income, repayment capacity, etc. This is why we don’t ask for any collateral for the personal loan.
We don't impose any limitations on how personal loan West Bengal are ultimately used. The loan can be used for weddings, kids' education, international travel, or any other necessity you may have.
We don't want to take up our clients' time. As a result, we offer quick loan approval within 24 hours of the application being submitted.
As soon as the loan is approved, your bank account is credited with funds.
We are quite transparent in the entire loan processing. Hence, we don’t hide any charges from our customers.
The entire loan application process is online. It will just take 10 minutes of time to complete it from a mobile or laptop.
You can borrow a loan as per your needs. We offer loan in West Bengal from ₹10,000 to ₹2.50 lakhs.
To get a personal loan in West Bengal, you need to fulfil certain requirements. Let’s go through the basic eligibility criteria: -
There is a bunch of documents needed to process a personal loan West Bengal. Here is the list of those documents that you need to submit online: -
The loan application process for a personal loan in West Bengal is very straightforward. You have to follow the below-mentioned steps: -
Firstly, get checked if you qualify for the loan or not. The personal loan eligibility calculator available on lendingplate website can be used for this.
Our entire application process is online. After you verify your eligibility, you need to initiate your application online.
After completing the online application, you must send in your supporting documentation. Basic necessary documents for loan processing need to be submitted online.
Your application for a personal loan West Bengal will go through verification by loan experts. They will take the final decision regarding loan approval.
When the loan verification process is completed and if everything is found okay, then your application will be approved for an instant loan in West Bengal.
We take care that the loan gets disbursed fast. Hence, within a few hours of loan approval, the money gets disbursed to your bank account.
We at lendingplate maintain complete transparency with our interest rates as well as other charges mentioned below –
| Charges | Details about the Charges |
| Processing Fee | 1% - 5% of loan amount |
| Conversion Fee | 1 - 5% of the amount |
| Interest Rate | 12% - 36% per annum |
| Foreclosure | 5% of the amount [Nil when prepaid on or after your] |
| Mandate Return Fee | 500/- [inclusive of GST] |
If the loan applicant is salaried, then he/she should be earning at least ₹20,000 per month. Whereas if the loan applicant is doing is own business, then he/she should be earning a minimum of ₹2.40 lakhs per month.
Without a credit score of at least 750, you can’t get an instant loan in West Bengal.
The entire loan processing will take a maximum of 24 hours.
In case of non-payment of a personal loan, you will be charged a penalty. This will also impact your credit score negatively.
You may be eligible for tax benefits if you take out personal loans for specific purposes. This includes house renovation, launching a business, education expenses, etc.
NRIs don’t fulfil the eligibility criteria for a personal loan in West Bengal.
At max, one can opt personal loan in West Bengal of ₹2.50 lakhs.
To verify if you qualify for a personal loan or not, you can use the eligibility calculator.
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Unifinz Capital India Limited is a Non Banking Finance Company (NBFC) registered with the Reserve Bank of India (RBI). lendingplate is the brand name under which the company conducts its lending operations and specialises in meeting customer’s instant financial needs.
