Shree Krishna Finance offers personal loans in Raipur with several benefits that cater to the needs of borrowers. Here are the advantages of applying for a personal loan from Shree Krishna Finance:

1. No Collateral Required: Shree Krishna Finance provides unsecured loans, eliminating the need for collateral or guarantors. This simplifies the loan application process.

2. Digital Documentation: The entire loan application process is paperless, saving you time and effort. You can complete the application online, making it convenient and hassle-free.

3. Low Credit Score Loans: Shree Krishna Finance considers applicants with a minimum CIBIL score of 600, making personal loans accessible to a wider range of individuals.

4. Flexible Tenure Options: You have the flexibility to choose a loan tenure ranging from 12 months to 60 months, based on your eligibility and repayment capacity.

5. Affordable Interest Rates: Shree Krishna Finance offers competitive interest rates, starting from as low as 1.33% per month. This ensures that your loan is more affordable and manageable.

6. Flexible Loan Amount: Depending on your eligibility, you can borrow a loan amount ranging from Rs. 5,000 to Rs. 5 lakh, allowing you to meet your specific financial requirements.

7. Quick Eligibility Check: Shree Krishna Finance provides a quick eligibility check on their website, allowing you to determine your eligibility for a personal loan within just 2 minutes.

8. 24-Hour Disbursal: Once the loan agreement is signed, and auto-debit is activated, you can expect to receive your loan amount within 24 hours in most cases, ensuring swift access to funds.

By offering these benefits, Shree Krishna Finance aims to provide a seamless and efficient personal loan experience to the residents of Raipur.

The eligibility criteria for a personal loan from Shree Krishna Finance are designed to be broad and inclusive. Here are the eligibility requirements:

1. Age: The applicant must be between 21 and 57 years old.

2. Income: The applicant's income must be credited directly to their bank account. The minimum income requirements are as follows:

   • For salaried individuals, the minimum income should be Rs. 25,000 per month.
   • For self-employed individuals, the minimum income should be Rs. 25,000 per month.
   • Minimum surrender value of policy: Rs. 30,000

3. Credit Score: The applicant's CIBIL score should be above 600 or Experian score should be above 650. A good credit score indicates a higher likelihood of loan approval.

Meeting these eligibility criteria increases the chances of being approved for a personal loan from Shree Krishna Finance. However, it's important to note that meeting the eligibility criteria does not guarantee loan approval, as the final decision is subject to the lender's discretion and evaluation of additional factors.

The documents that you will need for a personal loan from Shree Krishna Finance are - 

Identity Proof

Any of the following documents can be your identity proof -

• Photographs
• Signature Verification
• PAN Card - This is the main document we will require. If you are unable to provide this, any of the other options below can be given.
• Aadhaar Card
• Indian Passport
• Voter’s ID Card
• Driver’s License

You need to make sure that the image quality is good so that it is recognizable. 

Address Proof

If your identity proof document was your PAN Card, you will need to furnish a separate address proof. Any of the following will suffice - 

• Aadhaar Card
• Indian Passport
• Voter ID Card
• Driver’s License
• Electricity/Water/Gas Bills (dated within the past 60 days)

Income Proof (for Salaried Applicants)

As a salaried applicant, you will need to show the last 3 months’ bank statements of your salary account. You can send it in the PDF format, and it should show your salary credits clearly.

Income Proof (for Self-employed Applicants)

If you are a self-employed applicant, you will need to present your last 3 months’ bank statements in PDF format.