Personal Loan

Overview

Life’s most important milestones often come with financial needs—be it a grand wedding, a long-awaited vacation, home renovations, or unexpected medical expenses. At OnClock Capital Buildcon Pvt. Ltd., our Personal Loan solutions are designed to provide quick, flexible, and hassle-free access to funds. We ensure that money never becomes a barrier to your goals, allowing you to focus on what truly matters.

    Quick Inquiry Form

    Key Features & Benefits

    Loan Amounts

    From ₹50,000 up to ₹25,00,000, depending on income and credit profile.

    Tenure Flexibility

    Repayment options ranging from 12 to 60 months, designed around your comfort.

    Fast Approvals

    Minimal paperwork and digital processing mean funds are credited quickly.

    No Collateral Required

    Borrow with confidence—no need to mortgage assets.

    Transparent Pricing

    Competitive interest rates with no hidden charges.

    Customized EMI Plans

    Tailored repayment schedules to fit your lifestyle and budget.

    Eligibility & Required Documents

    Eligibility Criteria

    • Age: 21 to 60 years

    • Profession: Salaried employees of private/public companies OR self-employed professionals with a steady income

    • Credit Score: A healthy credit history improves approval chances

    • Income Proof: Stable monthly income as per policy

    Documentation Required

    To make the process simple, we require minimal documentation:

    • Identity Proof: Aadhaar Card / PAN Card / Passport / Voter ID

    • Address Proof: Utility Bill / Rent Agreement / Passport

    • Income Proof: Salary slips (last 3–6 months), Form 16, or Income Tax Returns for self-employed

    • Bank Statements: Last 6 months to assess repayment capacity

    • Employment Proof: Employee ID or business registration certificate (for self-employed)

    Loan Process at Onclock Capital Buildcon

    Application

    Submit your personal loan request online or at our office.

    Documentation

    Provide basic KYC, income proof, and bank details.

    Credit Assessment

    Quick evaluation of eligibility and repayment capacity.

    Approval & Disbursal

    Once approved, funds are transferred directly to your account within 24–48 hours.

    Advantages of Choosing Onclock Personal Loan

    ✅ No End-Use Restriction : Unlike some loans, our personal loan doesn’t limit how you use the funds. Whether it’s for a wedding, travel, medical emergency, or home upgrade—your needs define the purpose.

    ✅ Digital-Friendly Process : From loan application to approval and even EMI payments, most steps can be completed online for maximum convenience. Track your loan status anytime, anywhere.

    ✅ Prepayment Options : Pay off your loan earlier if you wish, with minimal or no prepayment charges (as per policy). This helps you save on interest costs and become debt-free sooner.

    ✅ Wide Reach : Whether you are a salaried employee in a metro city or a self-employed professional in a smaller town, we design solutions that are accessible across diverse income groups.

    ✅ Quick Disbursal : With simplified documentation and a fast approval system, funds are usually credited to your bank account within 24–48 hours.

    ✅ Attractive Interest Rates : Our competitive interest rates make borrowing affordable, ensuring you get the best value for your money.

    ✅ Flexible EMI Options : Choose repayment tenures from 12 to 60 months, and select an EMI structure that fits your monthly budget comfortably.

    ✅ Trusted Financial Partner : With OnClock Capital Buildcon’s reputation and customer-first approach, you borrow with confidence, knowing that transparency and reliability are at the core of our services.

    ✅ Dedicated Support : A personal loan specialist is assigned to assist you throughout the process—right from application to final repayment guidance.

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