Overview
Whether you are managing a medical emergency, or organizing your wedding or for any personal / lifestyle needs, we at V Key Finserv are here for you. We understand that life’s difficulties and aspirations do not always wait. Our personal loans are tailored to provide quick, easy, and smooth access to money without the burden of lengthy procedures or collateral.
Key Pointers
- Maximum Loan Amount: ₹50 Lakhs
- Duration: 84 months or more
- Quick Payment and Low Paperwork
- No collateral or guarantor is required.
- Transparent Procedure with No additional Fees
- Flexible repayment choices and appealing interest rates
- Special Offers.
With the reliable and customized personal loan options from V Key Finserv, take charge of your financial future.
Features and Benefits
With a personal loan from V Key Finserv, you can finance your needs without worrying about usage limitations. Since it is an unsecured loan, no collateral or security is required, making it one of the easiest credit options available.
V Key Finserv Personal Loan can empower you in the following ways:
- Debt Consolidation: Consolidate high-interest loans into one with a lower interest rate and easier terms for repayment.
- Home Renovation: Use the loan to renovate your home – redesigning, painting, or adding furniture to improve looks .
- Medical Expenses: Deal with unforeseen medical crises with prompt and dependable financial assistance.
- Education Needs: Personal loans assist in filling up the financial gaps associated with education, whether it be for your own further education or your child’s education.
- Travel & Events: With financial flexibility and peace of mind, finance family gatherings, getaways, or other personal objectives.
Invest in Your Dreams – Act Now!
Eligibility Criteria
To apply for a personal loan with V Key Finserv, applicants must meet the following basic criteria:
| Eligibility Parameter | Criteria |
| Age | 21 to 60 years |
| Income | Minimum ₹15,000/month for salaried; ₹20 Lakhs annual turnover for self-employed |
| Credit Score | 650+ (recommended for better approval rates) |
| Residency | Must be a Resident Citizen of India |
| Employment Stability | Minimum 1 year of continuous employment/business Preferred or previous work experience in addition. |
| Financial Discipline | Good credit history and debt-to-income ratio |
We evaluate each applicant holistically and offer support throughout the application process to ensure an easy borrowing experience.
Documents Required
To make your application process smooth and efficient, please keep the following documents handy when applying:
✅ KYC Documents (Identity & Address Proof):
- Aadhaar Card
- PAN Card
- Driving License
- Passport
- Utility bills (Electricity, Telephone, etc.) – Residence Proof
✅ Income Proof:
- 3 months’ salary slips (for salaried)
- 1 year bank statement
- Income Tax Returns (last 2–3 years for self-employed)
✅ Employment proof:
- Salary Slips / Form 16 / Employment Certificate (for salaried)
- Office E Mail Address
- Office address.
✅ Photograph:
- Recent passport-size photos
Having your documents in order ensures quicker processing and faster loan disbursal.
EMI Calculator
Utilize the Personal Loan EMI Calculator from V Key Finserv to:
- Calculate your monthly EMIs.
- Derive Interest payment for your loan.
- To Check combinations of various loan amounts and terms that suits you.
- Make well-informed Decisons.
It is crucial to plan your budget before applying for a loan.
EMI Calculator
Loan EMI
Total Interest Payable
Total Payment
(Principal + Interest)
Fees & Charges
Transparency is core to our service. We maintain clear, upfront communication about our charges. Below is a detailed breakdown of possible fees:
| Particular | Fees & Charges |
| Processing Fees | ₹2,999 to 5% of loan amount |
| Loan Cancellation Charges | ₹3,000 or up to 5% of loan amount |
| Stamp Duty | ₹150 – ₹300 (as per state norms) |
| Legal Fees | As per actuals (if applicable) |
| Penal Charges | 2% per month on overdue EMI |
| EMI/Cheque Bounce Charges | ₹499 to ₹599 per bounce |
| Documentation/Verification Fees | May apply on case-to-case basis |
| NOC/Statement/Swap Charges | Applicable on request |
Note: All above vary with financial institutions and individual customer profiles.
Charges mentioned are subject to change based on financial institutions and government regulations.
Customer Reviews
FAQ’s
Depending on your eligibility, you can get a personal loan of up to ₹50 lakh.
No collateral or guarantor is needed for V Key Finserv personal loans; they are entirely unsecured.
The money is normally disbursed within two to four working days after approval.
Anyone who meets the eligibility requirements, whether they are self-employed or on a salary, may apply.
Yes, there are options for prepayment. Depending on your loan agreement, you may be charged for a foreclosure.
Your credit score, income, and profile all affect interest rates. For specialized rates, get in touch with us.
The principle amount, interest rate, and tenure are used to compute EMI. For precise numbers, use our online EMI calculator.
Although a score of 650 or more is ideal, each application is evaluated individually. You can increase your chances if you have a solid income and payback history.
Your credit score may be impacted and penalties may result from missing EMIs. To ensure on-time payments, we advise you keep sufficient balance in your account 2 days prior to your EMI date..
You can apply by phone at +91-8660959034, online at https://vkeyfinserv.com, or in person at any of our branches.
