Personal Loan
A flexible loan disbursed directly to your bank account. Just your PAN Card and one address proof are all you need. Borrow up to ₹2 Lakhs with repayment terms from 3 to 36 months.
Features :
- Loan Amount: ₹6,000 – ₹2,00,000
- Interest Rate: 14% – 36%
- Tenure: 3 to 36 months
- Processing Fee: Up to 4%
- Disbursal: Instant transfer to bank account
- Security: No collateral required
Eligibility Criteria :
- Age Limit: 23 to 50 years
- Monthly Income : ₹18,000 (Metro), ₹15,000 (Non-metro)
- Residency: Must be a Resident Indian Citizen
- Work Experience: At least 1 year in current job/profession
Other Fees Charges :
- Interest Rate Starting from 14% p.a.
- Processing Fee 2–4.5% of loan amount
- Late Payment Fee ₹500 or 3% of overdue amount (whichever is higher)
- Bounced Payment Fee ₹500 + GST
- Stamp Duty 0.1% of loan amount
- Mandate Rejection Charges ₹250 + GST
- Foreclosure Charges 4% on remaining principal
Application Requirements :
- Mobile Number
- First & Last name
- Date of Birth
- Gender
- PAN
- Employment Type
- Monthly Income
- Company name
- Address Proof
- PAN Photo
- Selfie (eKYC)
- Current Address
- Bank Statement
- Father / Mother / Spouse Name
- Reference Contact
- Disbursement Bank Account Details
- eNACH / UPI e-mandate
Contact Us
SO-11, 3rd Floor, Magneto Offizo Magneto The Mall, Telibandha, Raipur, C.G. – 492001
help@creditsea.com(NBFC) bearing Registration No: B-05.03357
Grievance
For technical issues:
grievance.tech@meghdootmercantile.comFor sanction/loan approval:
grievance.sanctions@meghdootmercantile.comProducts
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