Sahi documents pehle se taiyaar rakhna delay se bachne ka sabse aasaan tareeka hai. Lenders thoda alag maang sakte hain, lekin zyadatar applications mein neeche diye documents lagte hain.
Sabke liye: pehchaan aur address (KYC)
- PAN card — loan ke liye zaroori
- Aadhaar ya koi aur valid address proof — passport, voter ID ya driving licence
- Recent photo, agar lender maange
Naukripesha ke liye: income proof
- Pichhle kuch mahino ki salary slips
- Salary credit dikhane wale bank statements — aam taur par pichhle 3 se 6 mahine
- Form 16 ya ITR, agar lender maange
Apna kaam karne walon ke liye: income aur business proof
- ITR, aksar pichhle ek-do saal ka, income computation ke saath
- Jahan ho, profit-loss aur balance sheet
- Business proof — GST registration, Udyam certificate, shop licence ya professional registration
- Main account ke bank statements — aam taur par pichhle 6 se 12 mahine
Bank statements, digital tareeke se
Oxon Fintech ke saath bank statements download, print ya upload karne ki zaroorat nahi. Woh RBI-regulated Account Aggregator ke zariye, aapki consent se, seedha aapke bank se jaate hain. Aap account chunte hain aur approve karte hain; aapki approval ke bina kuch nahi jaata aur koi password share nahi hota. Zyada jaanein: Account Aggregator kya hai.
Delay se bachne ke tareeke
- Details ek jaisi hon — PAN, Aadhaar aur bank account mein naam, date of birth aur address ek hi ho.
- Kuch upload karein to saaf aur poori copy dein — saare pages, kuch kata hua nahi.
- Mobile number Aadhaar aur bank account se juda rakhein; consent aur e-sign ke liye OTP aata hai.
- Apna OTP, UPI PIN ya net-banking password kabhi kisi ko na batayein, chahe woh khud ko lender bataye. Padhein loan fraud se kaise bachein.
Aage dekhein eligibility ki shartein ya personal loan EMI calculator se EMI ka andaaza lagayein.