Bespoke Credit Solutions for Discerning Borrowers
Whether you are funding higher education, medical emergencies, a wedding, home renovation, or debt consolidation, a Personal Loan with Pavanasutha Financial Consultants provides instant access to capital without requiring collateral.
As direct associates with ICICI Bank, Bajaj Finserv, Tata Capital, and Fullerton, we secure preferential rate discounts for salaried professionals working in Bengaluru IT corridors (Whitefield, Manyata, Electronic City, Bellandur) and established self-employed consultants.
Key Highlights & Product Specifications
Eligibility Guidelines
Criteria (Category A)
- • Age: 21 to 58 years
- • Minimum Monthly Net Salary: ₹25,000 (Higher limits for ₹50k+ earners)
- • Employment: Minimum 1 year total, 6 months in current organization
- • Credit Score: 680+ (750+ qualifies for lowest rate brackets)
Criteria (Category B)
- • Age: 23 to 65 years
- • Minimum Business Vintage: 2 years registered business continuity
- • Minimum Annual Gross Receipts: ₹15 Lakhs with positive net profit
- • Valid ITR for past 2 assessment years and active current account
Documentation Checklist
PAN Card, Aadhaar Card, Passport / Driving License, and current address proof.
Last 3 months salary slips, latest Form 16, and 6 months bank statement showing regular salary credits.
For self-employed: 2 years audited ITR filings, computation of income, GST returns, and 6 months business bank statements.
Frequently Asked Questions
While banks prefer 750+, our network of 11+ partner NBFCs can accommodate scores between 650–700 if your salary flow and bank statements demonstrate reliable repayment capacity.
No. Personal loans have multi-purpose flexibility. You can use the funds for weddings, travel, home interiors, medical treatments, or consolidating credit cards.
With modern e-KYC and digital bank statement validation, approval takes 4 to 12 hours, and disbursal is completed within 24 to 48 business hours.