Loans

Use online EMI calculators (such as HDFC, BankBazaar, or Groww) to check your monthly repayment based on the tenure and interest rate. Keep your total EMI within 30–40% of your monthly income for better cash flow. Compare loan offers from multiple banks and NBFCs for the best interest rates

There are some government-sponsored schemes available. Central Sector Scheme for Interest Subsidy (if you fulfill the requirements), then there is the Vidya Lakshmi scheme; under this, you can apply for the educational loans. Non-banking financial companies can also give educational loans, but they have their criteria.

You can take a loan from both public sector banks as well as private sector banks, which provide the best interest rates on home loans.

Public sector banks like State Bank of India (SBI) and Bank of Baroda (BoB) are known for their competitive interest rates and stability. State Bank of India (8.50% to 9.65% per annum) and Bank of Baroda (8.50% to 9.20%) are the best options.

Private sector banks such as HDFC Bank and Axis Bank often provide attractive interest rates and expedited processing. HDFC Bank (8.55% to 9.50%) and Axis Bank (8.60% and 9.60%).

All these banks offer good, competitive interest rates and have some processing fees. To get the special interest rate offers, your CIBIL score should be 750 points or more.

There are some criteria set by banks, that you need to fulfill before applying for a home loan:

Good credit score more than 750. Regular income proof (salary slips, ITR). Age criteria, which is 21-65 years. Your Debt-to-Income Ratio should not exceed 40-50% (including the new loan EMI). Clear legal property documents are essential.

These are the documents that you need to provide to the bank while applying for a loan. Different banks may ask for more proof, but these are the main documents that are essential.

Most banks don't approve the loans if you are not filling out your ITR, as banks require your income proof to verify your ability to repay the loan. So it's difficult for you to get the loan. However, certain banks or digital lenders may be able to provide a small loan amount based on your savings account transactions. You can try non-banking financial companies (NBFCs); they give you loans without ITR.

Bajaj Finserv gives you a loan at a lower interest rate than SBI. Bajaj Finserv is an excellent choice for you, as they credit your loan within 24 hours of approval. It is also the best option for flexible terms.

Both banks provide the same interest rate and offer nearly identical services. Both banks approve loans within hours for pre-approved customers who meet certain eligibility criteria.
The processing fees primarily depend on the desired loan amount. HDFC processing fee ranges from ₹1,000 to ₹6,500 + GST.
And the processing fees at ICICI Bank are 2% of your loan amount.

So compare processing fees and choose the best one.

To know the best bank, check out this article:

https://fincuss.com/topic/135/which-bank-offers-me-loans-with-a-low-cibil-score/2

With this CIBIL score, you can easily get the low-interest personal loan.

SBI gives a personal loan at just 9.60% per annum. HDFC Bank gives personal loans at 10.75% per annum. Axis Bank gives you a loan at an 11.50% interest rate. PNB provides loans at a 9.90% interest rate. Bank of India provides personal loans at a 10.25% interest rate.

All the banks provides flexible repayment terms, which ultimately give you the facility for early repayments.
HDFC Bank and Axis Bank give you a faster loan than any other bank.

Yes, you are eligible for an agricultural loan on your land. There are many banks that can give you an agricultural loan at good interest rates.

SBI: Interest rates for the loan start at 9.75% per annum. It offers you a loan on crops; with the help of the Kisan Credit Card scheme, farmers can easily get the loan. ICICI Bank: Interest Rate: The loan is available at an interest rate of 10.50% per annum. The bank offers loans for land, agricultural pursuits, and various other purposes. National Bank for Agriculture and Rural Development (NABARD): Interest Rates: 7% - 16.05% p.a. There are various government-funded schemes that primarily focus on rural development. Punjab National Bank: Interest Rate: This loan offers a 7% annual interest rate. Have the facility of KCC crop loans.

You need the following documents to apply for a Mudra Loan:

Identity Proof: Aadhar Card, PAN Card, or Driving License. Mudra Loan Application Form. Address Proof. Business proof includes a business license or tax registration. Your business plan. Your income proof. Bank Statements Passport-size photographs.

Apply for the loan again, preferably with a co-applicant who has a good credit score. To secure a loan, you can offer some kind of property or fixed deposits.

There are various government-run education loan schemes available for your consideration. Among other things, you might explore the Padho Pardesh Scheme, the Vidhya Lakshmi portal, and the CSIS system. These are government-managed projects. Review the qualifying requirements of every program and make appropriate decisions.

You need Identity Proof (Voter Id, Aadhar Card, PAN Card etc.), Address proof, Land Ownership proof, and financial records, such as credit reports or income statements. These are the documents you need to submit while applying for an agricultural loan. You have at least 5 acres of cultivation land and around ₹1.5 lakh of annual income for an agricultural loan.

SBI, HDFC or ICICI are good banks for a home renovation loan, as they have good customer service, affordable interest rates and an easy application process. These banks offer flexible terms for renovation loans, so you are not committed for the long run.

SBI and HDFC banks are very popular banks for providing home loans because of their affordable interest rates and easy application process. SBI offers the lowest interest rates, and HDFC gives the flexible repayment options and good customer service. Before applying for the loans, make the following things clear in your mind:

Understand your eligibility criteria, like income and age.

Don’t just focus on interest rates; also focus on processing fees, prepayment charges, and other terms.

Maintain a good credit score; it will help you to get a lower interest rate.

It’s better to compare all the offers from different banks and then choose wisely.

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There are numerous banks that offer educational loans. SBI, HDFC, and Axis Bank are the best banks for educational loans. 
The interest rate depends on the amount of the loan and the type of course which you will do. 
Most banks offer flexible repayment terms, which usually start within 6–12 months after the course's completion..
There are some banks that provide zero processing fees or discounts on interest rates for particular courses. Each bank has different penalties, and the best way to find out is to visit the bank.

You can get a car loan on an already registered car from another state, but the process of getting the car loan might be different from different banks. Before granting you a car loan, most banks require a NOC for the re-registration of your car in your state, along with other documents such as valid ID proof, address proof, and income proof. It's better to visit a bank directly to understand their requirements.

To get the maximum savings and benefits on your ICICI home loan, look into Flexi options offered by ICICI, this helps you prepay without impacting your ECS.

For daily interest, you can contact ICICI or can check online banking for your loan account details. The bank will provide you with daily interest calculation details.

To know the EMI breakdown, your loan agreement shows you the EMI breakdown (principal+ interest).There are usually no charges for paying within the due date.