PERSONAL LOANS FOR ALL YOUR NEEDS

A personal loan is a credit you can avail of to finance a variety of expenses – home renovation, weddings, consumer durables, or paying off credit card bills.

GoldRock Management’s instant personal loans are designed to cover all your financing needs at attractive personal loan interest rates starting at just 10.99%. Get a loan of up to Rs. 25 lakhs with tenures as high as 72 months. Visit us, fill an online application, or get in touch over a phone call. Get quick access to funds with a simple application and quick disbursal process at GoldRock Management.

Diwali is just around the corner, and preparations are in full swing. Sweets, savouries, twinkling lights, home renovations, and grand decorations – yes, it’s that time of the year. Don’t let unexpected expenses dim the charm and grandeur of the festival of lights. Celebrate the occasion with GoldRock Management’s Personal Loans and have a fantastic Diwali 2020.

Apply for a Quick Loan




    KEY FEATURES

     

    Loan Amount

    ₹75,000 – ₹25,00,000

     

    Loan Tenure

     Up to 6 years

     

    Interest Rates starting at

    10.99%

    Multipurpose Personal Loan

    No matter what the occasion is, we have the right personal loan offering for you. Be it for weddings, higher studies, travel or any other purpose.

    Overdraft Facility

    Need extra money? We let you withdraw additional funds up to an agreed limit. Interest is charged only on the amount you use.

    No Collateral/Security

    We don’t ask for any collateral or security for Personal Loans.

    Zero charges on Part Pre-Payment

    You can pre pay part of the loan any time after 6 months of availing a Personal Loan without any penalty or additional fee.

    Application Process

    • 1

      Online Application

      You can apply for a loan by just filling up your basic details.

    • 2

      Document Submission

      Post receiving your loan eligibility, furnish the required documents to take your application ahead.

    • 3

      Verification

      We will verify your loan application; and submitted documents.

    • 4

      Approval

      Post approval, the loan is sanctioned.

    • 5

      Disbursal

      Receive the required loan in your bank account - it's that simple!

    Why should you take a Personal Loan?

    The following are the many reasons for taking a personal loan –

    • Multi-Purpose Loan – Personal loans are multi-purpose loans that can be used for funding various expenses as per the borrower’s discretion, from unexpected expenses to major life events such as a wedding
    • No Collateral Required – Since personal loans are unsecured loans that do not need any assets as collateral, loan approval takes lesser time
    • Meeting Unplanned Emergencies – In cases where urgent funding is required, easy personal loans act as a safety net
    • Organising Your Outstanding Debt – If you are being crushed under the heavy weight of credit-card dues, you can take an instant personal loan for debt consolidation

     

     

    When Can You Take a Personal Loan?

    Personal loans are notable for their versatility and can meet a host of needs and dreams. Here are a few situations for which you can avail a personal loan –

    • Travel – A personal loan can help you take the dream vacation that you always wanted and tick off things from your bucket list
    • Medical – In case of medical emergencies that call for urgent funding, easy personal loans are your ideal aid
    • Education – Nothing should stand in the way of your child’s quality education. Quick personal loans will help you give your child the education facility they deserve
    • Wedding –A personal loan can help you have  the dream wedding you always wanted
    • Home Renovation –  Fulfil your dream of revamping your home exactly the way you wanted with an instant personal loan

     

     

    How to Take a Personal Loan

    The process of getting a personal loan from GoldRock Management is fast, easy, and hassle-free –

    • Step 1 – Fill in a simple application form. Can be done offline or online
    • Step 2 – Submit or upload the documents required for loan approval
    • Step 3 – GoldRock Management will verify your documents and credit history
    • Step 4 – Once done, we will send you the approved rate of interest and loan tenure for acknowledgement

     

     

    Personal Loan Eligibility

    You need to meet some basic conditions to be eligible for a Personal Loan. Some of the general personal loan eligibility factors are meeting the monthly income criteria of Rs 15,000 while being at least 22 years of age.  To get your loan approved swiftly, you will be asked to provide the following details:

    • Your personal details including your PAN number, CIBIL score & KYC documents.
    • Copies of your pay slips, address proof and bank statements.

     

     

    Documents Required for Personal Loan

    The following are the documents required for personal loan with GoldRock Management –

    • Step-Up Flexi Loan EMI
    • Photo Identity Proof documents
    • Income Proof documents
    • Salary Slips
    • Address Proof documents and
    • Employment Certificate

     

     

    What are the EMI Options Available on Personal Loan?

    • Standard EMI

    The standard EMI option under personal loans is one in which you get the freedom to pay off your principal loan amount inclusive of interest consistently on a monthly basis. Here, the interest is charged on the total principal amount that was borrowed.

    • Flexi Interest-Only Loan EMI

    A flexi interest-only EMI option offers a pre-approved cash limit that can be withdrawn as and when you are in need of funds. Here, the interest will be charged only on the amount used and not on the total principal amount borrowed.

    • Step-Up Flexi Loan EMI

    A step-up flexi EMI option in personal loan is one which offers greater flexibility. Under this plan, you can pay lower EMIs in the beginning and pay more gradually as your salary hikes.

    Customer Testimonials

    Me and my wife just got married and as indian weddings are expensive, we needed a quick loan to go for our honeymoon, getting a personal loan for travel helped us in going to our desired destination

    Rachit Jain

    IT Professional - New Delhi

    My sister planned to do her master from one of the design schools in USA and we really worried about the documentation process and timelines involved. Be rest assured GoldRock Management not only offered us with competitive interest rate their hassle free process helped us secure admission before the deadline.

    Reema Sharma

    Business Women - Noida

    My search for low interest rates on loan brought me to GoldRock Management. The entire experience of getting a loan was smooth and easy. Finance has never been my forte but GoldRock Management has made me believe that finance can be my cup of tea!

    Sharad Kumar

    Small Business Owner - New Delhi