The loan can be extended to existing Gold Loan Borrowers who has short-term fund requirements such as working capital for business, personal requirements such as education, health care and other domestic requirements including but not limited to payment of other debts.

Loans are not allowed to be used for any speculative, illegal, or unlawful purposes that violate the laws of the country.

Personal loans will primarily be offered to individuals aged between 21 and 60 years, who are existing borrowers of the organization, and meet the Know Your Customer (KYC) requirements outlined by the Reserve Bank of India (RBI), as well as the credit underwriting criteria established by the company.

The loan tenure ranges from a minimum of 3 months to a maximum of 12 months. However, the specific duration of the loan term will be determined based on the applicant's cash flow analysis.

Regarding the loan amount, the minimum sum for a personal loan is set at Rs. 1,000, while the maximum loan size can extend up to Rs. 5 lakhs.

Interest rates will be fixed on the basis of risk assessment, cost of funds, cost of operations etc and may differ for different schemes and different categories of borrowers. Processing charges as decided from time to time will be recovered. Further, each of the loans to have set off provision, i.e. in case the customer is having more than 1 loan and default is committed in any of the outstanding loan, company has the right to recover the money using any of the loan proceeds.

Interest Rate to vary from 24% to 26% while the processing fee to vary from 0.25% to 1%.

Our company is committed to maintaining transparency and fairness in its dealings with borrowers. In line with this commitment, we ensure that any changes in terms and conditions, including disbursement schedules, interest rates, service charges, and prepayment charges, are communicated to borrowers in a language they understand. Changes in interest rates and charges are implemented prospectively, meaning they will apply only to future transactions and will not affect existing loan terms. To enforce this practice, a clause regarding communication of changes in terms and conditions is included in all loan agreements, reaffirming our company's commitment to transparent and fair practices.

We cordially invite you to visit our nearest branch for comprehensive information regarding the array of products we offer. Alternatively, you may explore our offerings on our website at https://keertanafin.in for further details.