Loans Bharti

"Unlock Your Financial Freedom with Easy and Flexible Loan Options — Apply Today!"

Our Advantages has:

Affordable Low Rates
Monthly Payments
Loan Duration
Secured Loan

Repayment Flexibility
Low APR
Creditworthiness

loan consolidation

Loan consolidation is the process of combining multiple loans into a single loan

Fresh loan

new loan that you apply for to meet a financial need for the first time. It can be a secured loan, like a home loan, or an unsecured loan

Overdraft

An overdraft is a short-term loan that lets you withdraw money to make short-term payments

Our Products

Personal Loans

Starting @10.5%

Salaried Personal Loan

Make Single EMI

Debt Consolidation

Zero EMI*

Overdraft

FOR PLANS & PRICES PLEASE
Choose Your Appointment Now

Product Details

Your bank account has run out of money.
Zero balance in your current/savings account?
But do you still need money?

Your bank can give you a loan!

Do you need to pay off any unforeseen expenses, like emergency medical bills, and have 0 balance in your bank account?

Then, you need an overdraft loan. Your bank can offer you this loan based on some parameters.

In these loans, you have the flexibility to pay interest only on the amount that you use. However, you have to pay 0 EMI on the unused amount.]

Personal Loan Overdraft Benefits

Credit Line Upto 40 Lakhs

Zero EMI Loan
Pay interest on the utilised amount only.
Repay the loans in up to 84 months
Withdraw and Deposit Money Anytime
100% Online Process
No Bank Visits Required

Document Required

Identity Proof

Passport
Voter ID
Driving License
Pan card (Mandatory)
Aadhar Card (Mandatory)

Address Proof

Piped Gas Bill
Electricity Bill
Aadhar Card

Mandatory

Salary Slips ( Last 3 months)
Salary A/c Bank statement (Last 3 months)

Example

For instance, Megha, a freelance designer, has taken a personal loan overdraft of ₹5,00,000 at an 11.99% rate of interest that needs to be paid back in 5 years.

One month, she needed ₹1,00,000 to pay for some personal expenses. Instead of borrowing the full ₹5,00,000, she withdraw only ₹1,00,000 from her Overdraft account. Megha only had to pay interest on the ₹1,00,000 she used, not on the whole ₹5,00,000 which is approx Rs 33/day. Later, when she got her salary or any other receipt of funds, she repaid the ₹1,00,000, and her full ₹5,00,000 overdraft limit was available again and her interest from that day went to zero again and she don't have to pay any Interest or EMI now. This helped Megha manage her money better and avoid extra interest charges. She only pays interest amount for the limited period of the funds utilisation, otherwise its zero repayements.

As a result, Megha paid an interest of ₹11,990 along with the principal amount of ₹1,00,000 for the funds utilised for whole year. According to this, she will need to pay just ₹1000/month for 60 months if funds are kept utilised for 5 years. Megha will also have to pay ₹10,000 as a one-time processing fee (charged at 2%). Secondly, she will also pay ₹500 as stamp duty charges. T&C applied.