विनियमित एनबीएफसी (Regulated NBFC)सभी पात्र नागरिकस्वीकृति गति: 2 to 3 working days.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

महिंद्रा फाइनेंस पर्सनल लोन

Mahindra Finance personal loan tailored for rural and semi-urban customers up to ₹5 Lakhs.

ऋण राशि सीमा₹30,000 to ₹5,00,000 (Rural & Semi-Urban Focus)

ब्याज दर (APR)13.50% - 28.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि12 to 48 months

प्रोसेसिंग शुल्कUp to 3.00% of loan amount + GST

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Personal credit product from Mahindra & Mahindra Financial Services tailored for rural and semi-urban customers to finance agricultural equipment, weddings, education, or emergency medical costs.

प्रमुख लाभ एवं विशेषताएं

• Tailored specifically for rural and semi-urban emerging customers • Flexible income assessment without requiring formal salary slips • Deep branch presence across rural districts • Simple documentation and doorstep support.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Rural and semi-urban customers with verifiable income or landholding. Min Age: 21, Max Age: 65. Min Monthly Income: ₹12,000. Min CIBIL: 650.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Prepayment allowed after 6 months with 4% fee + GST.

📂आवश्यक दस्तावेज (Required Documents)

• Identity Proof: PAN Card and Aadhaar Card • Income Proof: Bank statement or agricultural land revenue records • Banking: Last 6 months bank statement.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Higher interest rate floor (starts at 13.50%). • Maximum loan quantum capped at ₹5 Lakhs. • Foreclosure penalty of 4% + GST applies.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Existing vehicle/tractor loan customers apply via Mahindra Finance app with pre-approved fast-track credit.

2. नए ग्राहक (ऑनलाइन):

1. Visit mahindrafinance.com > Personal Loans. Submit mobile number, PAN, and KYC.

3. बैंक शाखा में जाकर:

1. Visit nearest Mahindra Finance rural/semi-urban branch with KYC, bank statements, and income proof.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Can farmers and non-salaried rural customers apply?

Yes, Mahindra Finance specializes in catering to rural and semi-urban customers with agricultural or trade income.

What is the maximum loan limit?

Up to ₹5 Lakhs based on verified cash flow.

What is the maximum tenure?

Up to 48 months (4 years).