Personal Loan is an unsecured credit provided by financial institutions based on criteria like employment history, repayment capacity, income level, profession and credit history. Personal Loan, which is also known as a consumer loan is a multi-purpose loan, which you can use to meet any of your immediate needs.

1. © Clix Capital Services Pvt. Ltd. All rights reserved.
What is a Personal Loan?

2. What is Personal Loan?
Personal Loan is an unsecured credit provided by
financial institutions based on criteria like employment
history, repayment capacity, income level, profession and
credit history.
Personal Loan, which is also known as a consumer loan
is a multi-purpose loan, which you can use to meet any of
your immediate needs.

3. Unlike other types of loans like Home Loan or Gold Loan,
where you must provide several documents, Personal
Loans require minimum documents and the approval
process is quick.
With various financial institutions offering Personal Loan
online services, the loan amount is disbursement within a
few hours provided the lender is convinced of your
repayment capacity.
Benefits of availing of a Personal Loan?

4.  The maximum amount that you can avail depends on
your income level, your profession and the lender’s
assessment of your loan application. Generally, the
lenders sanction the loan based on their calculation, so
that the EMI is not more than 40% - 50% of your
monthly income.
Also, the lenders consider if you have any dues while
calculating the loan amount.
Maximum amount that you can borrow

5. Although the documentation varies from lender to
lender, some of the essential documents you must
provide along with your application form include:
Proof of income (salary slip, bank account statement,
ITR forms)
Proof of residence and identity proof
Certified copy of your degrees and licence (this is
applicable only for self-employed applicants)
Documents required for Personal Loan
application

6. 6
© Clix Capital Services Pvt. Ltd. All rights reserved.
Apply Personal Loan in Mumbai
A personal loan is the best option if you need funds
for an urgent need or a short period. It can be availed
for any purpose. Apply for personal loan in Mumbai
online on Clix Capital by just filling a few personal
details.
A personal loan is easy to have from the various
rising banks, NBFC, and other digital loan-providing
agencies. Get personal loan online amount within 24
hours in your bank account at Clix.

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