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  • +91-62626-87788
  • Address207-B, Mishika Tower Sapna Sangeeta Road Indore 452001

  • Email support@stuffgram.com

  • TimeMonday to Saturday 10 am - 7 pm

  • What is a personal loan?
    A personal loan is an unsecured loan that is usually provided to customers by banks or a non-banking financial company (NBFC) based on certain things like income, age, credit history and employment history. It is an unsecured loan which means that you will not have to provide the lender with any security documents like property/gold to avail it. This type of loan is taken to meet your urgent needs. In some cases, you may need to provide a security document.
  • What should a minimum loan be borrowed for a personal loan?
    Well, it depends entirely on the bank. And the minimum amount that can be borrowed will also vary from bank to bank. However, you can avail a personal loan for a minimum amount of ₹15,000.
  • What is the maximum amount of personal loan I can get?
    The amount will vary from each lender. But most banks will give you Rs. 25 lakhs. It will also depend on the applicant's own credit history, income and repayment capacity. There are banks that offer personal loans for an amount up to Rs. Also Rs 40 lakhs. But it depends entirely on the eligibility of the bank and the customer.
  • What is the tenure for a personal loan?
    The tenure of repayment is usually determined from 1 -6 years.
  • What are interest rates for a personal loan?
    Each loan comes with an interest that is payable to the lender. A fixed percentage on the principal amount is determined by banks or NFBC. Typically, the percentage is anywhere from 10.85% to 37%.
  • Can I prepay my personal loan?
    Repaying your loan before the term is called prepayment. Whenever a customer is ready and willing to repay his personal loan, they can do so by informing the bank about their wishes.
  • Will pre paying my Personal Loan have any charges?
    Some banks charge a prepayment charge on personal loans. This can be either a standard amount or a percentage of the total loan amount. This will depend on the bank and its policies. However, it will not be so bad for you to check with your bank about these charges beforehand.
  • How much loan am I eligible for?
    Your home loan eligibility depends on various causes like age, income, loan repayment history etc. Eligibility criteria vary from bank to bank. But, before you decide on the loan amount, it is smart to evaluate your current financial situation and determine how much money you can comfortably shell out each month.
  • How can I improve my credit score?

    • Timely payment of EMIs is the result of clear credit history.
    • Make a full payment on your credit card instead of a minimum payment. If all else fails, try to make the minimum payment.
    • A credit card loan is known as revolving credit which helps in building a good credit score compared to the loan (provided the payment is made on a regular basis).
    • If your credit limit is reduced, it will have a positive impact on your score.
    • Early payments help increase your score.
    • Reviewing your credit history regularly helps you ascertain your financial health.
  • Is my information safe? How will my personal information be treated?
    We respect your privacy and recognize the need to protect your personal information (eg, name, address and telephone number). The information you enter is integral to your decision making and we follow appropriate standards to ensure security.
  • Is stuffgram charges any fees for applying for a loan?
    No, Stuffgram doesn't charge any processing fee for applying for a loan. If Stuffgram assistant asks you for a processing fee, only the bank charges processing fee & you can directly pay to the bank.
  • Why Stuffgram?
    Stuffgram is the best platform for all your economic essentials. Stuffgram authorized by 50+ Bank & NBFC Partner. Stuffgram comes up to you with the best option with the best rate of interest as per your eligibility. Stuffgram doesn't charge any fee for applying or proceeding for a loan & provides you with a hassle-free process. We provide round the clock customer support which helps you plan your finances. We analyze your needs and suggest plans accordingly. We try to make your financial plan as easy and transparent as possible.
  • Why should I not receive payment advice? I have a trusted financial advisor who has advised my family for years now.
    Upon registering with Stuffgram, you receive free but reliable advice that will keep you stable for years to come. Increase your investment kitty by investing what you will save from not paying your financial advisor.
  • How can I ensure that I am getting the best offer on my loan, credit card, mutual fund, or insurance?
    In Stuffgram, we do not speculate. Our comparative page provides advice on the latest available data (for example, the latest interest rate on the loan you have selected) and gives you your best option. Although human advisors share the advice of getting rich overnight, only very few have actually achieved what was promised. We would strongly suggest that you avoid such "get-rich-advice" and preserve your hard-earned money.
  • How do we help you?
    At Stuffgram, we help you compare products, such as loans, insurance plans, and credit cards, offered by banks or financial institutions. We simplify the fine print and inform you about eligibility criteria, repayment options, types of interest rates and other parameters.
  • What can Loan against Property be used for?
    Any loan against residential or commercial property can be used for both personal and commercial purposes. In fact, you can use it for anything other than speculative or non-prohibitive activities.
  • How does the lending banks choose the amount I can get a loan against property?
    Basically, the bank looks at your repayment capacity. For calculating the loan amount, your income, age, qualifications, number of dependents, spouse’s income, assets, liabilities, stability and continuity of occupation and savings history are taken into consideration. However, the eligibility of loan doesn't, generally, exceed 60 per cent of the market price of the property.
  • Can there be a co-applicant for a loan against property? If yes, who can be co-applicant?
    You can include your spouse as a co-applicant which leads to a better amount being lent. However, if the property is co-owned, all co-owners mandatorily got to be co-applicants.