Personal Loans

What is a Personal Loan?

At Dream Finvest Group, our personal loans are unsecured financial solutions designed to help you meet various personal expenses without requiring collateral. Whether it's funding a wedding, covering medical emergencies, planning a vacation, consolidating debt, or renovating your home, our personal loans offer quick disbursal, competitive interest rates, and flexible repayment options to suit your needs.

Who Can Avail a Personal Loan?

Our personal loans are accessible to a wide range of individuals who meet the following eligibility criteria:

• Salaried employees, self-employed professionals, or business owners.
• Age between 21 and 60 years.
• Minimum monthly income of ₹15,000 for salaried individuals or ₹2 lakhs annual turnover for self-employed.
• Good credit score (preferably above 700).
• Minimum 1 year of stable employment or business continuity.

We evaluate applications based on income stability, creditworthiness, and repayment capacity to ensure a smooth borrowing experience.

Documents Required

To apply for a personal loan with Dream Finvest Group, please provide the following documents:

• Identity Proof: Aadhaar Card, PAN Card, Passport, Voter ID, or Driving License.
• Address Proof: Aadhaar Card, Utility Bills (electricity/water), Rental Agreement, or Passport.
• Income Proof: Last 3 months' salary slips (for salaried) or ITR filings and bank statements (for self-employed).
• Bank Statements: Last 6 months' bank statements showing salary credits or business transactions.
• Employment/Business Proof: Appointment letter/employee ID (for salaried) or business registration documents (for self-employed).
• Photographs: Recent passport-sized photographs.

Additional documents may be required based on individual profiles. Our team will assist you throughout the process.

Benefits of Personal Loans

With Dream Finvest Group, you enjoy the following advantages:

• Fast approval and disbursal within 48 hours.
• No collateral or guarantor required.
• Loan amounts ranging from ₹50,000 to ₹25 lakhs.
• Flexible repayment tenure from 12 to 60 months.
• Competitive interest rates starting at 10.5% p.a.
• Simple online application with minimal documentation.
• Prepayment and foreclosure options with low charges.

How to Apply

Applying for a personal loan with Dream Finvest Group is quick and easy:

1. Visit our website or nearest branch to fill out the online application form.
2. Upload or submit the required documents.
3. Receive instant preliminary approval based on eligibility.
4. Our team will verify your documents and details.
5. Upon final approval, funds will be disbursed to your bank account within 48 hours.

Contact our customer support for any assistance during the process.

Interest Rates and Fees

We offer transparent pricing for our personal loans:

• Interest Rate: Starting from 10.5% p.a. (fixed or reducing balance, based on profile).
• Processing Fee: Up to 2% of the loan amount + GST.
• Foreclosure Charges: 4% on outstanding amount after 12 months; foreclosure not allowed before 12 months.
• Part Prepayment: Up to 25% of principal annually with no charges.
• Late Payment Fee: 2% per month on overdue EMI.

Note: Rates and fees are subject to change. Please consult our team for the latest details.