സവിശേഷതകളും നേട്ടങ്ങളും
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No additional paperwork
Borrow from your sanction multiple times without repeat applications
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Zero part-prepayment fee
Part-prepay your loan whenever you can, without incurring additional costs.
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Repay affordably
Choose to pay interest-only EMIs to reduce your monthly outgo by up to 45%*.
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Withdraw freely
Withdraw freely from your approved sanction without the worry of fees or charges.
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ഓൺലൈൻ കസ്റ്റമർ പോർട്ടൽ
Use the online customer portal, Experia, to handle your loan payments digitally and conveniently
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Cost-effective
Pay interest only on the amount you utilise and not on the sanction as a whole.
Converting your existing loan into a Flexi business loan is a smart way of managing your finances. When used wisely, you can use the facility to reduce your EMI outgo by up 45%* and free up your finances for other obligations. The conversion process is 100% hassle-free as it takes just a few simple steps. In fact, a quick comparison between a term and Flexi loan indicates that the latter can be a superior option. Here is the Flexi business loan explained in depth.
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ടേം ലോൺ |
ഫ്ലെക്സി ലോൺ |
വിതരണം |
Full sanction disbursed to your bank account |
Loan sanction is made available in the loan account for flexible withdrawal. |
ഫീസും നിരക്കുകളും |
Interest is charged on the entire sanction |
Interest is charged daily, only on the amount you withdraw from the loan account. Moreover, your Flexi loan interest rate will be the same as that of your existing loan. |
EMI-കൾ |
EMIs consist of both principal and interest components |
Choose to pay interest-only EMIs and repay the principal at a later part of the tenor. |
To further highlight the value of this facility, consider a loan with sanction Rs. 10 lakh, a tenor of 5 years, and an interest rate of 17% The amount used is Rs. 5 lakh
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ടേം ലോൺ |
ഫ്ലെക്സി ലോൺ |
EMI |
രൂ. 23,790 |
രൂ. 13,550 |
Annual outgo |
രൂ. 2,85,480 |
രൂ. 1,62,600 |
വാർഷിക സമ്പാദ്യം |
0 |
രൂ. 1,22,880 |
യോഗ്യതാ മാനദണ്ഡവും ആവശ്യമായ ഡോക്യുമെന്‍റുകളും
To avail of the benefits of this facility, all you have to do is meet the relaxed loan eligibility criteria mentioned below:
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വയസ്
24മുതൽ 70 വർഷം വരെ
*Age should be 70 year at the time of loan maturity
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പൌരത്വം
ഇന്ത്യൻ
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സിബിൽ സ്കോർ സൌജന്യമായി നിങ്ങളുടെ CIBIL സ്കോർ പരിശോധിക്കുക
685 അല്ലെങ്കിൽ അതിൽ കൂടുതൽ
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വർക്ക് സ്റ്റാറ്റസ്
സ്വയം തൊഴിൽ ചെയ്യുന്നയാൾ
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ബിസിനസ് വിന്റേജ്
ഏറ്റവും കുറഞ്ഞത് 3 വർഷം
ആവശ്യമായ ഡോക്യുമെന്‍റുകൾ
This feature is available to those with an existing business loan and doesn’t require documentation as it is completely digital. However, to apply for a business loan, these are the documents required**.
- കെവൈസി ഡോക്യുമെന്‍റുകൾ
- ആവശ്യമായ ബിസിനസ് ഫൈനാന്‍ഷ്യല്‍ രേഖകള്‍
- ബിസിനസ് പ്രൂഫ്: സർട്ടിഫിക്കറ്റ് ഓഫ് ബിസിനസ് എക്‌സിസ്റ്റൻസ്
- കഴിഞ്ഞ മാസങ്ങളിലെ ബാങ്ക് അക്കൌണ്ട് സ്റ്റേറ്റ്മെന്റുകള്‍
അപേക്ഷാ നടപടിക്രമം
The process to convert and avail funding is simple. Here are the steps you should follow during processing.
- 1 Fill the form with the required information and submit it
- 2 Await contact with loan instructions from an authorised representative
- 3 Benefit from having your loan converted to a Flexi loan
- 4 Withdraw as per your needs and transfer funds to your account within 2 hours
*വ്യവസ്ഥകള്‍ ബാധകം
**ഡോക്യുമെന്‍റ് ലിസ്റ്റ് സൂചകമാണ്
