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What is a Personal Loan?

By virtue of being an unsecured form of credit, you can avail a Personal Loan without pledging any collateral with minimal documentation, and easy eligibility criteria. This kind of instant loan does not have any end-usage restrictions, which means you could finance a royal wedding, a trip to your dream destination, renovate your home, deal with a medical emergency, or finance the expansion of your business.

Ruloans will connect you to a lending partner of your choice, and our team will take you through the process quickly with ease. Choose from our catalog of Personal Loan Partners of Banks and NBFCs according to your needs and convenience for rapid approval and swift disbursal of your personal loan.


What is Home Loan ?

Any amount of money borrowed from a bank or an NBFC for the purchase, expansion, or construction of a home at a certain fixed or floating rate of interest, payable in EMI or Equated Monthly Instalment over an agreed period, is termed as a Home Loan. The property remains as security with the lender for the term or period of the loan. You may avail a home loan for purposes such as:

  • Purchase of Residential Property
  • Acquisition of Land
  • Home Construction
  • Home Expansion
  • Home Renovation
  • Balance Transfer

What is Business Loan ?

Volatile market trends and increasing business needs cause demand for urgent immediate cash-in-hand. A Business Loan designed for this purpose gives you the advantage to avail unsecured credit at competitive interest rates.

Whether you plan to invest in infrastructure investment or upgrade plant and machinery, a Business Loan caters to all your commercial needs.

What is a Loan Against Property ?

A Loan Against Property or LAP helps you to purchase or maintain a home, land, or other types of real estate. Being secured in nature, LAP demands collateral against the loaned amount.

LAP offerings against your commercial or residential property put you in a position to use the value locked up in your property to meet any expenses of any nature.

You may select a high-value loan depending on the value of your property collateral for your borrowing.

What is a Car Loan ?

Cars today are a basic utility that everyone feels the need to own. You’ve been waiting patiently and saving for that purpose. Ruloans offers you the opportunity to own a car that you would not dream to own a decade ago. Ruloans offers tailor-made car loans with exclusive features both for salaried and self-employed persons. To get your car within your reach, talk to your Ruloans Team for constructive choices via phone, email, or chat, and apply for a Car Loan to get your Ruloans’ Flexible Car Loans Advantage. Own a car you want with Ruloans team at your service!

Car Loan – Process

  • Select the Product
  • Fill Out Application
  • Receive Sanction Letter
  • Approval of Loan
  • Loan Amount Disbursal

What is a Gold Loan?

A Gold Loan, also known as a Loan against Gold refers to a lump sum of money borrowed by offering to pledge Gold. A secured loan by nature, the borrower needs to deposit gold articles, jewelry, coins, or any physical form of gold with the lender until the entire loan amount gets repaid. The amount the borrower sanctions depends on the value of the gold based on the Loan-to-Value (LTV) Ratio.

The Reserve Bank of India (RBI) recently relaxed norms for loans against gold by increasing the permitted LTV ratio from 75% to 90%. As per the RBI Gold Loan guidelines, banks and NBFCs can extend 90% of the value of the pledged gold as a Gold Loan. One can also avail of an Overdraft facility against Gold.

Ruloans offers the best Gold Loans, at the lowest rates of interest. Ruloans will connect you to a lending partner, and take you through the process comfortably. Choose from our catalog of Gold Loans offered by our distinguished Partner Banks and NBFCs. Ruloans offers quick approval and speedy disbursal of your Gold Loan.

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