சிறப்பம்சங்கள் மற்றும் நன்மைகள்

  • No additional paperwork
    No additional paperwork

    Borrow from your sanction multiple times without repeat applications

  • Zero part-prepayment fee
    Zero part-prepayment fee

    Part-prepay your loan whenever you can, without incurring additional costs.

  • Repay affordably
    Repay affordably

    Choose to pay interest-only EMIs to reduce your monthly outgo by up to 45%*.

  • Withdraw freely
    Withdraw freely

    Withdraw freely from your approved sanction without the worry of fees or charges.

  • Online customer portal
    ஆன்லைன் வாடிக்கையாளர் போர்ட்டல்

    Use the online customer portal, Experia, to handle your loan payments digitally and conveniently

  • Cost-effective
    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.

 

டேர்ம் கடன்

ஃப்ளெக்ஸி கடன்

பட்டுவாடா

Full sanction disbursed to your bank account

Loan sanction is made available in the loan account for flexible withdrawal.

கட்டணங்கள்

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-கள்

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

 

டேர்ம் கடன்

ஃப்ளெக்ஸி கடன்

EMI

ரூ. 23,790

ரூ. 13,550

Annual outgo

ரூ 2,85,480

ரூ 1,62,600

ஆண்டு சேமிப்புகள்

0

ரூ 1,22,880

மேலும் படிக்க குறைவாக படிக்கவும்

தகுதி வரம்பு மற்றும் தேவையான ஆவணங்கள்

To avail of the benefits of this facility, all you have to do is meet the relaxed loan eligibility criteria mentioned below:

  • Age
    வயது

    24-யில் இருந்து 70 வயது வரை
    *Age should be 70 year at the time of loan maturity

  • Nationality
    குடியுரிமை

    இந்தியர்

  • CIBIL score
    சிபில் ஸ்கோர் உங்கள் CIBIL ஸ்கோரை இலவசமாக சரிபார்க்கவும்

    685 அல்லது அதற்கு மேல்

  • Work status
    வேலை நிலை

    சுயதொழில்

  • Business vintage
    வர்த்தகத்திலான நீடிப்பு

    குறைந்தபட்சம் 3 ஆண்டுகள்

தேவையான ஆவணங்கள்

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**.

  • கேஒய்சி ஆவணங்கள்
  • தொடர்புடைய தொழில் நிதி ஆவணங்கள்
  • தொழில் ஆதாரம்: தொழில் இருப்பு சான்றிதழ்
  • முந்தைய மாதங்களுக்கான வங்கி கணக்கு அறிக்கைகள்

விண்ணப்ப செயல்முறை

The process to convert and avail funding is simple. Here are the steps you should follow during processing.

  1. 1 Fill the form with the required information and submit it
  2. 2 Await contact with loan instructions from an authorised representative
  3. 3 Benefit from having your loan converted to a Flexi loan
  4. 4 Withdraw as per your needs and transfer funds to your account within 2 hours

*நிபந்தனைகள் பொருந்தும்

**ஆவண பட்டியல் உதாரணத்திற்காக குறிப்பிடப்பட்டுள்ளவை