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Well friends, you will find many websites and applications on the internet through which you can apply for a personal loan But in today's video, I'm not going to tell you anything about these applications In this video, we will discuss about a website from where you can apply for a personal loan See, the website I'm going to tell you about This website has a lot of NBFC and RBI registered partners from where you can get a personal loan Now let me tell you about this website I will give you the direct link of this website in the description box Or if you search on Google, you will get to see this website First of all, you come to this website You will get to see many options here First of all, you will get to see the option of credit card and loan In loan, you will get to see Instant Personal Loan, Business Loan and Gold Loan You will get to see three options We click on Instant Personal Loan here Now you can see on this page There are many such NBFC and banks are listed here from where you can apply for a personal loan But before that, let's talk about the key feature of this website First of all, your loan is instantly approved You get to see attractive interest rate And you get to see flexible tenure The biggest thing here is that all the NBFC and RBI partners are RBI approved lenders After that, your process will be very digital And you get the instant disbursement facility Now if we talk about their partner You can see Tata Capital, Punewala Finco, Innocent Bank, IDFC Faust Bank, Credit Bee, Piramal Finance Bajaj, Finza, Mathur Finance and Incred There are many such applications from where you can apply for a personal loan First of all, let me tell you how you will get a personal loan from here Like whatever details you have, you fill up here The details will be picked up and sent to all of them From where you will get the approval of the loan You will get the loan approved from there And if you look carefully here You get to see interest rate, loan amount, tenure and processing fees If you click on this, for example If I click on Tata Capital So here you can see I can apply for a loan of 75 lakhs from here And my tenure here can be up to 6 years And your interest rate here starts from 10.99% So there are many such things that you will get to see here You can see all the processing fees After that, if we talk about eligibility criteria So here you can see First of all, your minimum age should be 18 years Now see here I would like to put a little filter There are many people who are 18 years old They don't have any income proof And they don't have any income So such people get into trouble due to loan That's why I say in every video of mine Until you don't have any source of income Don't ever apply for a personal loan No matter how much interest rate you are getting Because personal loan is such a loan Which keeps you trapped in your trap So that's why I say Always stay away from personal loans If your age here is 18, 19, 20 So stay away from this age Because your minimum earning starts in 21-22 And until your minimum earning starts You can't pay your EMI Until then you should not apply for a loan Because here from 10% to 10% is showing minimum For example, assume that You will get a minimum of 20% interest rate loan And it can go up to 50-60% annually So once you think about it Your loan amount will double within 2 years And you will have to pay that much That's why take a loan only when you are in a lot of trouble Now here you can see If we talk about a salaried or self-employed person So here your minimum income should be more than 15,000 If it is less than 15,000 Then your loan will be rejected And there will be an inquiry in your civil So don't even try if your income is less than 15,000 And in the case of self-employed Your minimum annual income should be less than 5,00,000 That's when you get a loan approval Otherwise, you will be in an inquiry in civil After that, if we talk about the credit score It is said that you will get 600 rupees But I am telling you that you get a loan on a very high interest rate Because the more our credit score is The less we get to see the interest rate Because our profile is a little good That's why even if your civil score is very low You don't have to apply for a loan After that, working experience Wherever you are working In the case of a salaried person And in the case of self-employed Your minimum should be at least 1 year If you are doing a business Then your working experience should be at least 3 years So keep all these things in mind Otherwise, I am repeating again in your civil You will be in an inquiry If you don't meet this eligibility criteria After that, let's talk about how you will be given a loan First of all, check your eligibility On the second number, all the details of your loan will be shown And you will have the option to compare your loan For example, I will get an Incred loan That you are being given this much loan by Incred This is its processing fees After that, IDFC Fosbank will be shown next to me And I can compare it too After that, we have to verify our details And after that, as soon as our details are verified We have to sign one After that, the amount is sent to our account after verification So I have given you an overview from above How will you get a loan From where will you get How much is the interest I mean, all the CMOs have told you everything Now let's show you by applying for a loan First of all, to apply for a loan First of all, you have to put your full name For example, let's say I put my name After putting your name After that, you will have the option to put your phone number So whatever number you are applying for a loan You have to put that mobile number here After that, you have to accept their term and condition And finally, you have to click on the apply and avail option After that, an OTP will be sent to your phone number You have to verify that OTP here And after the OTP is successful You will come to this page Now friends, on this page You have to put some more basic details For example, on the first number You have to put your PAN card number After that, you have to put your complete date of birth According to your PAN card After that, you have to select the gender Male or female, whatever it is You can tell according to your wish After that, you have to click on the continue option Now on the next page, it is asked What is your desired loan amount? Here you can see Minimum to minimum 1000 And maximum to maximum 10 lakh rupees option is being given I can take as much money as I want here But you have to take the same amount of loan As much as you actually need You don't have to take any extra amount here Otherwise, you will have to pay processing fees Charges and interest rate After that, you have to tell your monthly income Make sure that your monthly income is more than your EMI Otherwise, your loan will be rejected After that, you have to select in salary mode The amount you get through your company or office In which mode you get it That is, you get bank transfer Or you get money through cheque Or you get money in cash So we have put bank transfer here After that, after filling up all these things You have to click on the continue option Now on this page You have to tell your employment type You can tell salary person or self-employed You can tell according to your choice You will not get any option of assurant housing or unemployed If you don't do any job or earning Then you can't get a loan from here After filling up both these things You are also given the option to fill up your personal email id So put your personal email id After that, if you have any professional email id Like the office where you work Or the company where you work There you get a professional email id You can fill up that email id After that, your marital status is also being asked So you can tell single or married as per your choice Now finally we click on continue After that, on this page We have to put the details of our company Like we selected salary person on the previous page That's why we have to put all these details here After telling the company name You simply have to tell the type of company Which field does your company work in After that, you have to tell the total work experience Make sure that your total work experience Should be more than one year After filling up this search After that, you have to click on continue After that, on this page You have to put your communication address Like address line 12 After that, you have to put your pin code here You have to put the city After that, select the state Which state do you live in India After that, you have to tell the nature of the address Now you can see here We are being asked below How many years have we been living on our current address After that, you have to click on continue Now you can see here Based on our profile Many options are being shown Like 5 loan, money view loan Or JEP loan Now you can see here We have to complete KYC in everyone And here you will be shown the interest rate first Like I will tell you for example In money view, I am getting 18% interest rate loan In 5, I am also getting 18% interest rate loan And in JEP, I am getting 16% interest rate loan Now here I will see Which application is offering me minimum interest rate loan I will complete my KYC there And proceed the loan from that application So friends, this was the complete process To apply loan from ship application And once you tell me by commenting If you are facing any problem in taking loan Till then in this video Make sure to like the video And subscribe to the channel Now see you in the next video Till then Jai Hind, Jai Bharat