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    Eligibility

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    ELIGIBILITY CRITERIA

    Who Can Get a Loan?

    Simple, clear requirements for everyone

    Salaried Employees

    Age: 21 - 58 years
    Income: Min ₹15,000/month
    Experience: Min 1 year total
    Current Job: Min 6 months
    Companies: Pvt Ltd, Govt, MNC, Startup

    Self-Employed Professionals

    Age: 25 - 65 years
    Income: Min ₹25,000/month
    Business Vintage: Min 2 years
    ITR: Last 2 years required
    Profession: Doctor, CA, Architect, Shop Owner, Manufacturer

    Location Coverage

    NCR Region (Delhi-NCR)
    • Noida (Sectors 1-150)
    • Greater Noida
    • Delhi (All Areas)
    • Ghaziabad
    • Gurgaon (Gurugram)
    • Faridabad
    • Sonipat
    • Panipat
    • Rohtak
    • Bahadurgarh
    • Kundli
    • Bhiwadi
    Western Uttar Pradesh
    • Meerut
    • Bulandshahr
    • Hapur
    • Muzaffarnagar
    • Aligarh
    • Mathura
    • Vrindavan
    • Agra
    • Moradabad
    • Bareilly
    • Rampur
    • Saharanpur
    Haryana
    • Karnal
    • Kurukshetra
    • Ambala
    • Yamunanagar
    • Hisar
    • Bhiwani
    • Jind
    • Kaithal
    • Rewari
    • Mahendragarh
    • Palwal
    • Nuh
    Rajasthan & Other Nearby
    • Alwar
    • Jaipur
    • Kota
    • Bharatpur
    • Dausa
    • Sikar
    • Jhunjhunu
    • Churu
    • Dehradun (UK)
    • Haridwar (UK)
    • Roorkee (UK)
    • Rishikesh (UK)
    Industrial Areas & Special Zones
    • Noida Sector 62 (Electronic City)
    • Noida Sector 63 (IT Park)
    • Greater Noida (Jewar)
    • Yamuna Expressway
    • Gurgaon (Cyber City)
    • Gurgaon (Sohna Road)
    • Manesar (Industrial Area)
    • Bawal (Industrial Area)
    • Ghaziabad (Mohan Nagar)
    • Ghaziabad (Raj Nagar)
    • Sahibabad Industrial Area
    • Bulandshahr Industrial Area

    Service Available Across 50+ Cities

    We provide personal loan services across Delhi-NCR, Western UP, Haryana, and parts of Rajasthan & Uttarakhand. Contact us for your specific location.

    Not Eligible For Loan

    Students

    Below 21 years

    CIBIL below 550

    Loan defaulters

    *Eligibility criteria are indicative. Final approval subject to verification. Shreedhan Finance - RBI Registered NBFC.

    DOCUMENTS

    Documents Required

    Simple and clear documentation. No hidden requests. Get ready with these basic documents.

    FOR SALARIED

    • Aadhar Card (Self)
    • PAN Card (Mandatory)
    • Latest 3 months Salary Slips
    • Last 6 months Bank Statement
    • Form 16 (If available)
    • 2 Passport Size Photos
    • Company ID Card
    Original documents needed for verification

    FOR SELF-EMPLOYED

    • Aadhar Card
    • PAN Card
    • Business Proof (GST/Shop Act/License)
    • Last 2 years ITR with Computation
    • Last 12 months Bank Statement
    • Office Address Proof
    • 2 Passport Size Photos
    • Partnership Deed (If Partnership Firm)
    ITR mandatory for self-employed applicants

    ADDITIONAL DOCUMENTS

    These may be required in some cases:

    • Voter ID
    • Driving License
    • Passport
    • Rent Agreement
    • Electricity Bill
    Quick Tips:
    • Keep digital copies ready
    • All documents should be clear & valid
    • Original documents for verification
    Paperless Process

    Upload documents online from home. No need to visit branch. Our executive will guide you.

    Upload Documents

    Documents required may vary based on customer profile and loan amount. Shreedhan Finance never asks for OTP or password. RBI Registered NBFC.

    COMPLETE TRANSPARENCY

    Interest Rates & Charges

    We believe in keeping things simple and transparent. No hidden charges, no fine print tricks.

    Interest Rates

    Starting from just

    10.99%

    per annum*

    ₹50,000 - ₹2 Lakhs 10.99% - 14%
    ₹2 Lakhs - ₹5 Lakhs 12% - 16%
    ₹5 Lakhs - ₹10 Lakhs 11% - 15%
    ₹10 Lakhs - ₹15 Lakhs 13% - 18%
    Final rate depends on your CIBIL score, income and loan tenure.

    Processing Fees

    Processing Fee 1% - 3% + GST
    Loan Cancellation ₹1,000 + GST
    Statement Charges Free (Online)

    Prepayment & Foreclosure

    Prepayment Charges 0% (After 6 months)
    Foreclosure Charges Nil (After 12 months)
    Close your loan early without extra cost

    Penalties

    Late Payment ₹500 + GST/month
    Cheque Bounce ₹750 + GST
    EMI Bounce ₹400 + GST

    Other Charges

    Document Verification

    Free

    Loan Restructuring

    ₹2,000 + GST

    Duplicate Statement

    ₹200 + GST

    Document Pickup

    Free

    Tips to Get Lowest Rate

    CIBIL Score > 750

    Higher score = lower rate

    Longer Tenure

    Choose 36-60 months

    Higher Income Proof

    Show additional income

    Existing Customer

    Special offers available

    Special Offers

    Healthcare workers: 0% processing

    Women: 0.5% discount

    Govt employees: Special rates

    Check Eligibility

    Calculate Your EMI

    Know your monthly payment before applying

    EMI Calculator
    Disclaimer: The rates and charges mentioned are indicative and applicable from April 2024. GST @18% extra where applicable. Final interest rate and charges depend on your CIBIL score, income, loan amount, tenure and internal credit assessment. Shreedhan Finance is an RBI Registered NBFC. Terms and conditions apply.