How To Take Personal Loan in Gujarati | What to do to take a loan | Information about loans

How to get a loan: Many times people need money to meet their personal needs, manage their daily expenses, buy a new phone, travel somewhere. When we spend more than our budget or for some reason our salary is exhausted before the end of the month, we start   looking for other words like loan words like how to get a loan , what to do to get a loan, Types of loans, etc.

But when we do this kind of research online we get frustrated due to lack of correct information.

You can take loan from banks, financial institutions with the help of loan application , in which you have to go to the nearest bank and apply for the loan there , apart from that you have to follow the loan process and conditions. So you can get bank loan easily. Friends, if you really want to take a loan, are looking for how to get a loan, then today's article will be very useful for you.

Here we will share more details about how to get a loan, what is the process of taking a loan, what to do to take a loan, types of loans, things to keep in mind while paying and information about loans etc. So read this article from beginning to end.

Types of Loans – What to do to get a loan ?

However, now there are many ways to take a loan, with the help of which you can take a loan for yourself. Loans can be taken from banks, financial institutions, online loan applications, credit cards, civil codes, Aadhaar card loans, personal loans, instant loans, government loans, etc.

Here we have told about all the ways to get a loan, let's know it in detail:

Bank Loan – Bank Loan Case

It is considered the best way to take a loan from a bank because here you can go to the bank yourself and if there is any problem you can talk to the bank manager there.

Meanwhile, many banks also provide online loan facility including State Bank of India, HDFC Bank, Union Bank, Punjab National Bank, Canara Bank, ICICI Bank etc.

#1: To get a loan from a bank you first need to go to the nearest bank and talk to the bank manager there to get the loan.

#2: After this the bank loan application form has to be taken.

#3: Thereafter, the requesting documents have to be submitted adding the pre-conditions as prescribed by the bank.

#4: Now the bank officer will check your loan eligibility criteria,

#5: It means that the bank officer will come to your house and after verifying your ID, proof of residence etc. will take it from you and inform the bank.

#6: If you meet all the eligibility criteria, you will get the loan.

What documents are required to take a loan from a bank?

If you take a loan from a bank, you should have the following documents.

• aadhar card,
• pan card,
• salary slip,
• ITR,
• bank statement,
• proof of income,
• birth certificate

Apart from this, the bank will grant the loan only after checking the identity proof, address proof of the applicant. Remember this.

From which bank you can get loan

Nowadays many banks provide you loan service, from them you can easily get loan from ₹5000 to ₹30000 by just presenting Aadhaar Card, PAN Card, Bank Statement, Payslip etc. online.

This is only possible if you have a good civil score and a good qualifying record; Otherwise you will not get loan from bank.

So let's know from which banks you can get loan:

List of Public Sector Banks in India 2023

• Bank of Baroda
• Bank of India
• Bank of Maharashtra
• Canara Bank
• Central Bank of India
• Indian Bank
• Indian Overseas Bank
• Punjab and Sindh Bank
• Punjab National Bank
• State Bank of India
• UCO Bank
• Union Bank of India

Private Sector Banks in India

• Axis Bank Limited
• BANDHAN BANK LIMITED
• CSB BANK LIMITED
• CITY UNION BANK LIMITED
• DCB BANK LIMITED
• DHANALAXMI BANK LIMITED
• FEDERAL BANK LIMITED
• HDFC BANK LIMITED
• ICICI BANK LIMITED
• IndusInd Bank Limited
• IDFC FIRST BANK LIMITED
• JAMMU AND KASHMIR BANK LTD
• KARNATAKA BANK LIMITED
• Karur Vaishya Bank Ltd.
• Kotak Mahindra Bank Ltd.
• Nainital Bank Limited
• RBL BANK LIMITED
• SOUTH INDIAN BANK LIMITED
• Tamil Nadu Mercantile Bank Ltd.
• YES BANK LIMITED
• IDBI BANK LIMITED

Note: So, these banks will not only give you loan, but you can also take loan from any government, private, rural or cooperative bank near you. To get a loan, you just need to follow the terms and conditions laid down by the bank, and provide the eligibility criteria, documents etc. given there properly.