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A personal loan is an unsecured loan that helps you meet financial needs like medical bills, education, travel, wedding, home repair, or any personal emergency — without requiring any security.
No collateral required
Flexible repayment
Available to salaried, self-employed, and professionals
| Eligibility Criteria | Required Documents |
|---|---|
Age: 21 years and above
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Aadhar or other valid ID proof
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Monthly income: ₹15,000 or more
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Bank statement (last 3–6 months)
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Salaried or self-employed with stable income
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Salary slip or business proof
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Good repayment history
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Passport size photo
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At Jeevan Jyoti Multistate Credit Co-operative Society, we understand that life doesn’t wait—and neither should your financial solutions. Whether it’s a medical emergency, education expense, or any personal goal, our personal loan services are designed to support you with quick disbursals, flexible repayment, and zero stress.
With our multi-state presence and deep community values, we ensure every member gets access to affordable and trustworthy financial support. We're not just a lender—we're your financial partner in life’s important moments.
A personal loan doesn’t require you to pledge any assets or collateral. It’s based purely on your income and repayment ability, making it more flexible than other types of loans.
You can use it for anything—from covering emergency medical expenses and home renovation to planning a wedding, education, or even a short vacation. There are no restrictions on how you use the amount.
Yes, both salaried and self-employed individuals with a stable monthly income can apply. Your ability to repay the loan is what matters most.
In most cases, no guarantor is needed. However, in specific situations, such as a lower income or poor credit history, you may be asked to provide one.
Once your documents are verified, approval can happen within 24 to 48 hours. Disbursement usually follows immediately after.
Loan amounts typically start from ₹25,000 and can go up to ₹10 lakhs, depending on your income and repayment capacity.
Yes, a healthy credit score improves your chances of getting approved. But don’t worry—even if you’re new to credit, we evaluate your profile holistically.
Yes, early repayment is allowed. Some plans may have a nominal foreclosure charge, but we always provide the flexibility if you’re ready to close the loan early.
Transparency is our priority. All fees—like processing charges or penalties for late payment—will be clearly communicated upfront.
Missing an EMI will result in a penalty and affect your credit profile. If you’re facing difficulty, it’s better to talk to us and work out a flexible repayment plan.
