Secure a personal loan from NIRA, where the loan amount ranges up to Rs. 1 Lakh at an appealing interest rate starting from 24%p.a. Our flexible repayment tenure of 3 to 12 months that allows you to repay early at zero additional charges.
Now access the funds at faster and a more trusted instant loan app with a nominal processing fee of up to 2%.
Nira Personal Loan Details
Nira personal loan comes to your aid with quick and hassle-free funds for your financial emergencies. Prior to applying for a Nira personal loan, you must familiarize yourself with the following details.
| Interest rate | Starts at 24% p.a |
|---|---|
| Loan amount | Rs. 5,000 to Rs. 1 Lakh |
| Processing fee | Rs. 350 + GST and maximum 2% loan amount |
| Tenure | Up to 90 days |
Nira Personal Loan Interest Rates
Interest rate is a significant factor that impacts your eligibility for a personal loan. The Nira loan app offers customized financial solutions with competitive interest rates for a convenient loan process.
Nira instant loan is designed with interest rates that help you cater to your specific financial requirements. Its’ swift and convenient access to the funds make it promising & secure loan journey for you.
| NIRA Personal Loan Interest Rate | Starting at 24% p.a. |
|---|
Nira Personal Loan Fees & Charges
Refer to the table below for the applicable fees and charges related to Nira personal loan.
| Processing fee | Rs. 350 + GST and maximum 2% loan amount |
| Tenure | Up to 90 days |
| Loan amount | Rs. 5,000 to Rs. 1 Lakh |
| Prepayment Charges | Nil after 3 months and 2.5% within 3 months |
Nira Personal Loan Eligibility Criteria
The following table outlines the eligibility requirements for a Nira personal loan:
| Age | 21- 55 Years old |
| Income | ₹12000 Min Monthly Salary |
| Citizenship | Indian |
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Documents Required For Nira Personal Loan
- Aadhaar card.
- PAN card.
- Recent salary slips of 3 months.
- Bank statement for the past 3 months.
- Address proof: Utility bill or a rental agreement.
Nira Personal Loan EMI Calculation
Make your personal loan journey seamless with Buddy Loan EMI Calculator & plan your loan repayments beforehand. For availing a personal loan at Nira, enter the loan amount, interest rate, and tenure to obtain accurate results instantly.
Your EMIs quote remain unaffected by the change in interest rate, through out the loan tenure. Gain clarity and effectively handle your finances by using the tool to its true potential.
Your Amortization Schedule (Yearly/Monthly)
Comparison of Nira Personal Loan Vs Other Banks & NBFCs
The following table presents a clear comparison of interest rates offered by Nira loan app and other NBFCs:
| NBFCs | INTEREST RATE (p.a.) |
|---|---|
| Nira | starting at 24% p.a. |
| mPokket | 2% – 4% per month |
| Paysense | 16.8% – 27.6% |
| HDB Financial services | Upo 36% |
| CASHe | 27% |
| Home Credit | 24% |
| Money View | 15.96% |
| RBL Bank | 17.50% – 26% |
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Features & Benefits of Nira Personal Loan
Nira Personal Loan is a flexible, convenient, and affordable loan option for salaried individuals. Here are some of the features and benefits of Nira Personal Loan:
Types of Nira Personal Loans
Explore the Nira personal loan choices available for you to explore:
Instant Personal Loan
Nira personal loan is ideal for individuals who need access to quick cash for their unexpected expenses.
- Available to salaried individuals with a minimum income of Rs. 12,000 per month.
- The loan amount ranges from Rs. 5,000 to Rs. 1 lakh.
- The repayment tenure is 3 to 12 months.
- The interest rate is 24% to 36% per annum.
Flexi Personal Loan
Flexi personal loan is ideal for individuals who need a larger loan amount or more flexible repayment options.
- Available to salaried and self-employed individuals with a minimum monthly income of Rs. 15,000.
- The loan amount ranges from Rs. 1 lakh to Rs. 5 lakh
- The repayment tenure is 6 to 60 months
How Do You Apply for Nira Loans with Buddy Loan?
Steps To Apply For a Personal Loan with Buddy Loan
- Step 1: Visit buddyloan.com or Download & install the Buddy Loan app (Android or iOS).
- Step 2: Open the Personal Loan Application Page. Provide the mobile number and enter the received OTP.
- Step 3: Specify the desired loan amount & personal email. Next, choose the Personal Loan option
- Step 4: Choose the employment type (Salaried, Self-Employed, or Student) and the salary mode (bank or cash).
- Step 5: Enter your work details (Including company name, years of service and Designation)
- Step 6: Enter your personal details (Including Full Name, PAN, address DOB & Gender)
- Step 7: Provide your communication address, and income details and Click the ‘Submit’ button.
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Frequently Asked Questions
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