Do you need 30000 rupees loan urgently to meet your personal or professional needs? Do you want to get a personal loan online without any hassle or delay? If yes, then you have come to the right place. In this article, we will tell you how to get a 30000 rupees loan online in India.
We will cover the features and benefits, eligibility, documents, application process, instant loan app, EMI, and FAQs about personal loans. By the end of this article, you will be able to apply for a personal loan of Rs 30000 online and get the money in your bank account within a few hours or days. So, let’s get started.
Features or Benefits of ₹30000 Personal Loan
A personal loan is a type of unsecured loan that you can borrow from a bank, NBFC or online lender for any personal or professional purpose. You can use the loan amount for anything, such as paying for a medical emergency, a home renovation, a wedding, a vacation, a business expansion, or a debt consolidation.
A 30000 rupees loan urgently has the following features and benefits:
- No collateral: You do not need to pledge any asset or security to get a 30000 rupees loan. Your loan is approved based on your income, credit score, and other factors.
- Low interest rates: You can get a personal loan of Rs 30000 at low interest rates, starting from as low as 10.99% per annum. You can compare the interest rates of different lenders and choose the best one for you.
- Flexible repayment tenure: You can choose a repayment tenure that suits your budget and convenience. You can repay the loan in easy EMIs, ranging from 3 months to 60 months. You can also prepay the loan partially or fully without any penalty charges.
- Quick and easy online process: You can apply for a personal loan of Rs 30000 online in just a few minutes. All you need to do is fill a simple online form, upload the required documents, and get instant approval. You do not need to visit any branch or meet any agent. You can apply for a personal loan from anywhere and at any time.
- Fast disbursal: You can get the loan amount in your bank account within a few hours or days, depending on the verification process and the lender’s policies. You can use the money as soon as you receive it.
Eligibility Criteria for getting 30000 rupees loan urgently
To apply for a ₹30000 Personal loan Online, you need to meet the following eligibility criteria:
- Age: You should be at least 21 years old and not more than 60 years old.
- Income: You should have a minimum monthly income of Rs 15000. You can be a salaried employee or a self-employed professional or business owner.
- Credit score: You should have a good credit score of at least 650. A credit score is a numerical representation of your creditworthiness, based on your past repayment history, credit utilization, and other factors. A higher credit score indicates a lower risk of default and a better chance of getting a loan approval. Check Your Cibil Score in Free.
- Residence: You should be a resident of India and have a valid address proof, such as Aadhaar card, voter ID card, passport, or utility bill.
Documents Required for 30000 Rupees Personal Loan
To verify your eligibility and identity, you need to submit the following documents along with your online loan application:
- Identity proof: You need to provide a copy of your PAN card, Aadhaar card, voter ID card, passport, or driving license.
- Address proof: You need to provide a copy of your Aadhaar card, voter ID card, passport, utility bill, or rent agreement.
- Income proof: You need to provide a copy of your salary slip, bank statement, income tax return, or business proof.
Apply for a 30000 Rupees Loan Urgently
Applying for a personal loan of Rs 30000 online is very easy and convenient. You can follow these simple steps to get a personal loan online:
Step 1: Complete the form with your name, PAN number, Aadhar card, mobile number, address, and more.
Step 2: Submit the form and wait for an OTP to be sent to your mobile phone and email.
Step 3: Confirm your identity and wait for a call from a customer service representative who will guide you through the loan process.
Step 4: Agree to the loan offer and sign the loan agreement. The loan amount will be transferred to your bank account within a few hours.
Instant Loan App for 30000 Rupees Need Urgently
If you need a 30000 rupees loan urgently, you can also use an instant loan app to apply for a personal loan online. Instant loan apps are mobile applications that provide a personal loan apply facility from your smartphone.
Platform | Interest Rate | Loan Amount | Loan Tenure | App Rating |
Navi Finserv | 9.90% P.A onwards | Up to Rs. 2 lakh | 10 months to 36 months | 4.5 |
IndiaLends | 12% – 30% P.A | Rs. 8,000 – Rs. 10 lakh | 3 months to 36 months | 4.4 |
Tata Capital | 10.99% P.A onwards | Up to Rs. 50 lakh | 12 months to 72 months | 4.5 |
Dhani | 1.33% per month | Rs. 5,000 – Rs. 10 lakh | Up to 60 months | 4.7 |
SmartCoin | 2.50% per month | Rs. 1,000 – Rs. 4 lakh | 3 months to 18 months | 3.7 |
Money View | 1.08% – 2.17% per month | Rs. 3,000 – Rs. 5 lakh | 2 months to 36 months | 4.1 |
MoneyTap | Starting at 13.99% P.A | Rs. 1,000 – Rs. 15 lakh | 3 months to 24 months | 3.3 |
NIRA | 1.67% – 2.25% per month | Rs. 10,000 – Rs. 1 lakh | 3 months to 12 months | 4.3 |
eBorrow | 1.5% per month | Rs. 500 – Rs. 45,000 | Max 4 months | 4.4 |
KreditBee | 1.02% – 2.49% per month | Rs. 1,000 – Rs. 4 lakh | Max 24 months | 4.5 |
EMI for ₹30000 Personal Loan for 1 to 5 Years
Loan Tenure | EMI Amount |
1 year | Rs 2709 |
2 years | Rs 1452 |
3 years | Rs 1037 |
4 years | Rs 831 |
5 years | Rs 713 |
The EMI for a 30000 rupees loan depends on the interest rate and the loan tenure that you choose. The EMI is the monthly installment that you have to pay to the lender to repay the loan amount. You can use our online EMI calculator to find out the exact EMI amount for your loan. You can also see the table below that shows the EMI for a personal loan of Rs 30000 for different interest rates and loan tenures:
| Explore Alternative Instant Personal Loan choices as well | |
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How to Calculate your 30000 rupees loan EMI?
EMI stands for equated monthly installment. It is the fixed amount that you have to pay every month to the lender to repay the loan amount. The EMI consists of two components: the principal amount and the interest amount. The principal amount is the amount that you have borrowed from the lender. The interest amount is the amount that you have to pay as the cost of borrowing the loan.
How to get a 30000 rupees loan Urgently without Income Proof?
Obtaining a Rs 30,000 personal loan without income proof might seem difficult, but it’s not impossible. One way is to maintain a strong credit history, aiming for a score of 750 or higher, signaling to lenders that you’re a reliable borrower.
Alternatively, if showing regular income proof is challenging, consider presenting alternative documents like bank statements, GST returns, or business invoices to demonstrate financial stability. Another option is applying for the loan with a co-applicant, like a family member or friend, who has a steady income and good credit score.
This shared responsibility can enhance your chances of approval and secure a lower interest rate. Additionally, establishing a positive business relationship with the lender, such as opening an account or deposit, can build credibility and potentially lead to more favorable loan terms.
Conclusion
We hope that this article has helped you understand how to get a personal loan of Rs 30000 online in India. If you need a 30000 rupees loan urgently, you can apply for a personal loan on our website and get the money in your bank account within a few hours or days.
You can use the loan amount for any purpose, as long as you repay it on time. So, what are you waiting for? Apply for a personal loan on our website today and get rid of your financial worries.
FAQs
You can borrow 30k from various sources like banks, NBFCs, online lenders, friends or family. When you apply you will get competitive interest rates, flexible repayment tenure, and your loan disbursal will be fast.
A CIBIL score is a measure of your creditworthiness based on your past repayment history, credit utilization and other factors. If you do not have a CIBIL score then you may face some difficulty to get a 30000 loan but some lenders provide loan on alternative income proof, applying with a co-applicant or building a good relationship with the lender.
If you need 30k Immediately, you can apply for an urgent loan online from different lending platform website available on google play store. An emergency loan is a type of personal loan that you can get within a few hours or days, depending on the verification process and the lender’s policies.
If you are a student and need 30k Immediately, you can apply for a student loan online from Banks, NBFC and online lending platforms. A student loan is a type of personal loan that you can get to pay for your education-related expenses like tuition fees, books, hostel, etc.
