Phone
+91-887-9000-101
info@vantagecaps.com
Location
101 Bldg B 33 Sect 11 Shanti Nagar Mira Road, Mumbai - 401107
Personal Loan
Home / Personal loan
Flexible personal loan solutions with quick approvals, competitive rates, and a seamless digital process.
flexible personal loan solutions
From Plans to Possibilities , Personal Loans Made Simple
We believe that financial support should be accessible, transparent, and empowering. Life can present both exciting opportunities and unexpected challenges, and having the right financial partner can make all the difference. Our Personal Loan offering is thoughtfully designed to meet the diverse financial needs of individuals, whether you’re managing unforeseen expenses or planning something important for yourself or your loved ones. We understand that every financial journey is unique, and our goal is to provide reliable solutions that help you move forward with confidence and peace of mind.
- Expertise
- Client-Centric Approach
- Customized Solutions
- Responsive Support
- Results-Driven
Features & Benefits of Personal Loan
Personal Loan Eligibility Criteria
Below list outlines the basic eligibility requirements for a smooth loan application process:
Age- Applicant must be between 21 to 60 years at the time of application.
Employment Status- 1)Only salaried individuals are eligible.
2)Must have a minimum of 1 year of total work experience.
3)Should have completed at least 1 year with the current employer.
Income Criteria- 1)Minimum monthly income: ₹15,000 or more.
2)Must provide valid proof of income (salary slips, bank statements, or income tax returns).
Credit Score- A CIBIL score of 700 or above is preferred for better loan approval chances.
Existing Liabilities-Applicant should not have multiple existing loans that may affect repayment capacity.
Loan Amount-Loan available from ₹50,000 to ₹1 Crore, based on eligibility.
Rate of Interest-Interest rate ranges from 10.75% to 20.00% per annum.
Loan Tenure-Repayment tenure ranges from 12 to 96 months, offering flexible EMIs.
Loan Disbursement-Fast disbursal within 24 to 36 hours after approval and document verification.
Documents Requirement for Personal Loan
To apply for a personal loan , please ensure you meet the following criteria. The below list outlines the basic documentation requirements for a smooth loan application process:
ID Proof (Any one):
PAN Card / Aadhaar Card / Voter ID / Driving License / PassportResidential Proof (Any one):
Aadhaar Card (Self/Spouse/Parents) /
Voter ID (Self/Spouse/Parents) /
Passport /
Latest Electricity Bill (ownership – last 3 months) /
6-month-old Rent Agreement:If Notarized: Light bill also required
If Registered: Light bill not required
/ 6-month-old Savings Account /
Latest Gas Receipt (last 3 months)
Bank Statement:
Last 6 months’ salary account statementSalary Proof:
Last 3 months’ salary slips or salary certificatePhoto:
1 Passport-size photo
FAQ'S
A personal loan is an unsecured loan that you can use for various purposes like medical expenses, travel, weddings, or debt consolidation — without the need for collateral.
Salaried and self-employed individuals with a stable income and good credit history are generally eligible. Age, employment status, and income level are also considered.
The loan amount depends on your income, repayment capacity, credit score, and employer/business profile — usually ranging from ₹50,000 to ₹25 lakhs.
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