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Personal Loan
At KriShiv In.Tech Private Limited, we understand that life’s aspirations and unexpected needs require quick and reliable financial support.
Achieve Your Goals with Flexible Financing
Since 2004, we’ve been empowering individuals across Gujarat with tailored Personal Loan solutions to help you achieve your dreams, manage emergencies, or consolidate debts. Whether you need a Secured or Unsecured Personal Loan, our competitive rates, flexible terms, and customer-first approach ensure a seamless borrowing experience.
Our Personal Loan Offerings
Our Personal Loans are designed to provide financial flexibility for a variety of purposes, from medical emergencies to weddings, travel, or debt consolidation. Partnering with leading banks and NBFCs, we offer customized loan options to suit your unique needs.
1. Secured Personal Loans
Our Secured Personal Loans allow you to leverage assets like property, fixed deposits, or other collateral to secure higher loan amounts at lower interest rates.
Key Features
- Loan amounts up to ₹2 crore or higher, based on collateral value.
- Competitive interest rates starting at 8.50% p.a.*
- Flexible repayment tenures up to 15 years for affordable EMIs.
- Funds for large expenses like home renovations, business ventures, or medical needs.
- Transparent collateral valuation and fast disbursal.
Ideal For
Individuals with assets seeking higher loan amounts for significant expenses or long-term financial goals.
Eligibility
Applicants must own acceptable collateral (e.g., property or fixed deposits) and demonstrate repayment capacity.
2. Unsecured Personal Loans
Our Unsecured Personal Loans provide quick financing without the need for collateral, making them ideal for those seeking fast and hassle-free funding.
Key Features
- Loan amounts up to ₹40 lakh, subject to income and credit profile.
- Attractive interest rates starting at 10.50% p.a.*
- Repayment tenures up to 7 years for manageable repayments.
- Funds for personal needs like weddings, education, travel, or debt consolidation.
- Swift approval with minimal documentation.
Ideal For
Salaried professionals, self-employed individuals, or anyone needing immediate funds without pledging assets.
Eligibility
Stable income source, a good credit score, and a minimum monthly income of ₹25,000 (may vary by lender).
Key Benefits of Our Personal Loans
Versatile Usage
Use funds for any purpose—medical emergencies, weddings, education, travel, or consolidating high-interest debts.
Competitive Rates
Access some of the lowest interest rates in the market, starting at 8.50% p.a.*
Quick Disbursal
Get loan approvals within 24-48 hours* for unsecured loans and 3-5 days* for secured loans, with fast fund disbursal.
Flexible Repayment
Choose repayment tenures that suit your financial situation, ensuring affordable EMIs.
Minimal Documentation
Streamlined application process with basic KYC, income proof, and collateral documents (for secured loans).
Tax Benefits
Avail tax deductions on interest for specific purposes (e.g., home renovation), as per applicable tax laws.
Why Choose KriShiv In.Tech for Personal Loans?
With over 20 years of expertise in Gujarat’s financial sector, KriShiv In.Tech Private Limited is your trusted partner for personal financing. Here’s what sets us apart:
Personalized Guidance
Our experienced team analyzes your financial needs to recommend the best loan product, whether secured or unsecured.
Technology-Driven Efficiency
Our advanced CRM and DMS systems ensure quick processing, easy tracking, and seamless loan management.
Trusted Financial Partnerships
We collaborate with leading banks and NBFCs to offer competitive loan products with transparent terms.
Customer-Centric Service
Our clients across Ahmedabad praise our prompt, courteous, and transparent approach, as reflected in our testimonials.
End-to-End Support
From application to repayment, we provide comprehensive assistance for a hassle-free experience.
Who Should Opt for Our Personal Loans?
Our Personal Loans are ideal for:
- Salaried professionals or self-employed individuals needing funds for personal or family expenses.
- Individuals with assets seeking higher loan amounts through secured loans.
- Those facing urgent financial needs like medical emergencies or debt consolidation.
- Young professionals planning major life events like weddings, travel, or higher education.
- NRIs or Indian residents looking for flexible financing with minimal hassle.
How It Works
Contact Our Team
Reach out via email at info@krishivintech.com or fill out our “Get Quote” form to discuss your personal loan needs.
Customized Loan Selection
Our experts assess your financial profile, purpose, and eligibility to recommend the best loan option.
Seamless Application
Apply online or offline with minimal documentation, supported by our tech-enabled systems.
Fast Approval and Disbursal
Get loan approval within 24-48 hours* for unsecured loans or 3-5 days* for secured loans, with swift fund disbursal.
Ongoing Support
Track your loan, manage repayments, and access dedicated support through our customer portal or team.
