About Personal Loan
A personal loan refers to money that is borrowed from a financial institution, for personal (not professional or business) use. In opposition to larger and long-term loans, personal loans are taken into relatively short to medium terms. Generally personal loans are used to pay for one-time or short term expenses where a borrower doesn’t normally require disclosing the specific reason for the loan. This type of loan is used by many to resolve their current financial needs. A personal loan is taken for tenure of one to five years. Also these require lowest formalities and no collateral or security.It is a type of unsecured loan which can be availed on various criteria. Level of income, employment history, credit score and scope for repayment are those specific criteria. Considering these criteria and lender, the APR (Annual Percentage Rate) of personal loan stays between 11.29% to 35%.
Why Should I Take A Personal Loan?
In every individual’s life there comes a time where you urgently need a specific amount of money which can’t be covered by your savings. The amount can be needed for any personal reason like home or vehicle repair, to pay unexpected medical bills, for wedding, travel, credit card outstanding balance transfer etc. Here the option of getting this desired amount via personal loan is extremely easy. You just have to decide the amount you need for the specific purpose and contact us for the same. We will make sure that you get your desired amount fast and hassle free so that you can use it wherever you need. Personal loans are therefore taken to fulfil your desires which otherwise cannot be fulfilled for the time being. We are there to help you throughout the process and let you know the plans suitable for him, so that you can avail the one that suit your need. 
Why Choose RS Marketing To Apply For Personal Loans?
RS Marketing is India’s fastest growing financial distributors committed to deliver loan to salaried professionals. We innovate in an otherwise dull loan segment to deliver smart products for millennials. Our basic motivation is to connect borrowers and lenders to form a network of financial marketing. We believe that loan origination and management can become much easier with an efficient and cheap lending process, which is what we’ve set out to do.
The idea is to use technology for building flexibility in products, without adding cost to it. A comprised team with mammoth experience in finance and internally developed highly proficient Loan Calculator algorithm, we are pledged to offer solutions to all your financial needs. Borrowers can apply for personal loans with RS Marketing's’ latest online application process.
Privacy policy
We understand the value of your documents so we keep them safe and private. Your loan applications are processed electronically with complete transparency.
Benefits of applying with us
We value our consumers and are always on our toes to give them benefits of our expertise. We care for your need and possibly give you the best from our partner banks and NBFCs.
Compare your loan options
You can compare interest rates, offers and services on our online portal. This will guide you to make the right choice and choose the right lender for your loan as per your budget.
Free expert guidance and advice
Our financial experts are always ready to give you the perfect advice. These trained professionals in finance know the industry very well. They will help you at any given time, without charging a dime.
Hassle free process
We have developed an efficient and easy process for our consumers to get a personal loan. Our online procedure allows consumers to apply for documents quickly and in a hassle free process.

Features & Benefits of a Personal Loan
There are many reasons behind the popularity of taking personal loans. Go for personal loans by choosing any one or all from below…
They have easy availability
The main reason behind the popularity of personal loans is untroublesome availability. The personal loans can be acquired within 24 to 48 hours of loan application and submission of required documents. Almost all banks offer personal loans to its customer thus making it easily accessible.
You get expeditious loan approval
As many financial institutions offer personal loans and they require less documentation, they are approved quickly. When it comes to online personal approval, they are approved fast but the paper approval takes not more than two working days. The process of approving personal loan is very easy and hassle free.
They need minimum documentation
Unlike the other long term or larger loans, personal loans require very little documentation. Thus, these loans are approved quickly without any hassle. This is extremely useful for you as it saves time and energy. It is a quick, simple and easy way of getting a loan. Avail it today for benefits.
You can consolidate your debts
When it comes to financial debts, we strongly recommend clearing off a high-interest debt by taking a low-interest debt. If you happen to have multiple debts, you can combine them under one term. By opting for a personal loan, you can pay off your multiple debts and be answerable to only one.
Personal Loan - Eligibility
Banks offer personal loans to customers who fulfil their designed eligibility. The eligibility criteria changes from bank to bank and the profile of the borrower. But there are some commonalities which you have to follow or acquire to get a personal loan from any bank. Banks give personal loans by dividing their customer’s profession and their income history. Personal loan can also be used for various purposes, and hence it is also known as multi-purpose loan. You can refer the following table for a gross understanding of bank’s eligibility criteria:
Salaried Borrowers
Age - 21 years to 60 years

Income - Rs. 15,000 (Rs. 20,000 in metros)

Minimum Loan Amount Approved - Rs. 75,000

Maximum Loan Amount Approved - Rs. 15,00,000

Loan Tenure - 12-72 months
Self Employed Borrowers
Age - 23 years to 60 years

Income - Turnover of minimum Rs. 24,00,000

Minimum Loan Amount Approved - Rs. 75,000 to Rs. 3,00,000

Maximum Loan Amount Approved - Rs. 15,00,000 to 20,00,000

Loan Tenure - 12-48 months
What are the Documents Required to avail a Personal Loan?
Salaried Borrowers
Identity Proof - Passport, Driving License, Voters ID or PAN Card

Address Proof - Passport or utility bills

Bank Statement - Salary slips for last 3 months,2 year employment continuity document

Self Employed Borrowers
Identity Proof - Passport, Driving License, Voters ID or PAN Card

Address Proof - Last 6 months

Bank Statement - Proof of highest professional degree,Latest Income Tax Return Balance sheet,Profit and Loss for last 3 years certified by CA
*The eligibility criteria differ from bank to bank. The above details are generic, not specific.
How can you repay your Personal Loan?
Interest rates
Personal loans are easy to pay back. Depending on the eligibility criteria, the borrowed sum, payback tenure, the interest rate varies on personal loan. A low interest rate is beneficial because it reduces your total expenditure and allows you to save more. It is always advisable to check for the best interest rates to repay your personal loan. 
Flexible tenure
You can pay off the loan in tenure of 1 to 5 years. Flexibility of tenure works as an advantage as you can repay your personal loan as per your convenience. You can pay it off within a year or more, suiting your financial condition. This convenience is offered to you by RS marketing. Avail it now! 
Easy EMI
Customers to use ultra modern facility of EMI calculator. The calculator comes with two scales: loan amount and tenure. Here borrowers can choose their desired loan amount and tenure to pay it off. The calculator tells you the interest rate, processing fee and can help you to choose most suitable loan option as per your budget.
By ECS
The payment of decided EMI is done through auto debit or ECS facility. ECS facility is specially structured for your convenience and security. It allows you to repay your personal loans in an easy, user friendly way. You need not be physically present in the bank now; through ECS you can repay it online.
How to Apply For a Personal Loan on RS Marketing
Applying for a personal loan on RS Marketing involves few easy steps:
 
Step 1: Go to the 'Personal Loan’ page on our website and click on ‘Check Your Eligibility’ box.

Step 2: Fill out the initial personal and financial information. Once completed, our loan calculator checks your eligibility with its highly efficient algorithm.

Step 3: Our loan calculator presents you a list of required document along with interest rates.

Step 4: You can start filling up the form and upload the required documents. Here, if needed, you can call or mail our experts for advice. The contact details are given on our website.

Step 5: Your application will be sent electronically to capital first. You will be informed about the status of your application via SMS, email or you can track it via website too.
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