चोलामंडलम पर्सनल लोन
Cholamandalam personal loan for salaried and self-employed individuals up to ₹10 Lakhs.
💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)
उत्पाद का संक्षिप्त विवरण
Unsecured personal loan from Cholamandalam Investment and Finance Company (Murugappa Group), providing accessible credit to salaried and self-employed customers across semi-urban and urban markets.
प्रमुख लाभ एवं विशेषताएं
• High loan quantum up to ₹10 Lakhs without pledging assets • Backed by the trusted Murugappa Group governance • Repayment tenure up to 5 years (60 months) • Fast-track processing and doorstep documentation support.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें एवं आय आवश्यकताएं
Salaried corporate employees and self-employed business owners. Min Age: 21, Max Age: 65. Min Net Monthly Income: ₹20,000. Min CIBIL: 700.
प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)
Prepayment allowed after 6 months with 3% to 4% foreclosure charges.
📂आवश्यक दस्तावेज (Required Documents)
• Identity Proof: PAN Card and Aadhaar Card • Income Proof: Last 3 months payslips or 2 years ITR • Bank Statement: Last 6 months bank statement.
⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)
• Foreclosure lock-in of 6 full months. • Foreclosure penalty of 3% to 4% + GST applies. • Minimum net monthly income requirement of ₹20,000.
🚀आवेदन के चरण (How to Apply)
1. Existing Chola customers apply via Chola One app with instant verification.
1. Visit cholamandalam.com > Personal Loans. Submit application and upload income proofs.
1. Visit nearest Cholamandalam branch with KYC, income proof, and bank statements.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What is the maximum loan limit in Cholamandalam?
Up to ₹10 Lakhs depending on your net monthly salary and credit score.
What is the foreclosure charge?
3% to 4% plus GST on the principal outstanding after the initial 6-month lock-in period.
What is the minimum credit score required?
A minimum CIBIL score of 700 is recommended.