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Summary: A Personal Loan application process can become quite time-consuming, with various documentation requirements. But now, you can apply for a Personal Loan with just your PAN card. Read on for more.
Personal Loan applications have traditionally involved a host of steps including filling up personal and employment details, as well as submitting multiple documents for verification purposes. These lengthy processes often prove cumbersome and can be a hindrance when you need immediate access to funds.
Thankfully, this is a problem of the past. With so many digital solutions today, you do not have to go through those tiresome application processes anymore. One such solution is FIRSTmoney, IDFC FIRST Bank’s industry-first proposition through which you can get a credit line to deal with multiple expenses, and the best part? You can apply for this loan using only your PAN as proof.
A FIRSTmoney smart Personal Loan is an innovative loan solution for meeting various financial requirements. The smart loan is designed for salaried individuals with a credit score of 750 and above who are aged between 21 to 60 years The credit limit that is approved is based on your credit profile and CIBIL score.
Upon satisfying all of the above-mentioned criteria and based on your creditworthiness, you can get a FIRSTmoney credit line of up to₹10 lakhs with the flexibility to withdraw funds in one go or in multiples of ₹5000, whichever you find suitable.
Applying for FIRSTmoney smart loan is a breeze and all you need is to follow these steps:
FIRSTmoney loans have a zero-foreclosure charge policy, which means you can foreclose the loan before your repayment period ends without incurring any charges. You can end your financial liabilities anytime by paying off the outstanding amount.
FIRSTmoney gives you the flexibility to access funds unlimited times unlike standard loans which provide a lumpsum amount. You can withdraw funds in one go or any amount above ₹5,000 for any number of times to meet your urgent expenses up to the full credit limit.
With FIRSTmoney, IDFC FIRST Bank will offer you a sanctioned credit line based on your creditworthiness. There are no maintenance charges that you have to incur on your credit line.
The completely digital application journey makes it convenient for you apply for a FIRSTmoney smart loan. The approval and disbursal processes are quick and convenient, and once the documents are verified, you can start withdrawing funds from your sanctioned credit line.
While Personal Loans are a preferred way to meet urgent fund requirements, lengthy paperwork is not something you would want to get stuck with. A FIRSTmoney smart Personal Loan not just offers better loan terms but is also much easier to apply for as compared to traditional Personal Loans, making it the smarter financial choice to take care of your expenses.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirstbank.com for latest updates.