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Apply for Overdraft Loans

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Flexi Loan (Overdraft)

In Flexi Loan (Overdraft) facility, you can withdraw any amount within the given credit limit. The overdraft facility comes with an option on "No Use, No Interest". That means you pay interest only when you use the loan amount. When you apply for an overdraft loan with Perfect Money after all the documentation done the loan amount is disbursed easily and quickly. You can get Flexi Loan either in part payment or pre-payment facility. After the part payment/ pre-payment the overdraft limit will exceed again to the initial amount.
Flexi Loan/Personal Overdraft is cash on the go. It is a premium unsecured facility that allows the customer to utilize the pre-set line of credit. You have to pay interest only when you withdraw the amount from the credit limit.

Avail Flexi Loan (Overdraft) starting at 14%* with tenure up to 5 years.

Why Apply With Perfect Money

We believe in complete transparency and make sure that our customers are aware of what they are we believe in after-sales service too! So that we can build a healthy relationship for a very long period and serve our customers in every financial step of their lives.

1. Available Cash : An overdraft loan gives you immediate access to extra funds when you don't have any left. Ideal for temporary financial issues, unexpected expenses, short-duration fund requirements or emergency costs, an overdraft gives you the comfort of knowing you will always have a financial back-up.

2. Pay when you use it: You only pay interest on what you use.

Other Benefits:

  1. Loans within 48 hours
  2. A low-interest rate
  3. Unconditional Pre & Part-payment facility without any cost
  4. No extra service charges
  5. Easy and simple documentation
  6. Doorstep service delivery
  7. Security and Privacy
  8. Get free financial advice from our expertise

Salaried:

  1. Age between 21 years to 60 years
  2. Loan maturity tenure up to 60 years
  3. Salary starting with INR 30,000+ (Net Take Home)
  4. Salary should be credited in the bank account

For self-employed:

  1. Age between 21 years to 65 years
  2. Loan maturity tenure up to 65 years
  3. ITR filed
  4. Business registration

1. KYC Identity, age, residence and signature proof are needed when applying for an Overdraft Loan

  1. PAN Card
  2. Aadhar Card / Driving Licence / Voter ID / Passport
  3. Local address proof any of above or Electricity bill, Gas bill, Landline bill, Rent agreement, Bank passbook, Mobile bill.

2. Income Proof - Financial Documents

  1. Latest salary slips for the last 3 months for salaried employees
  2. IT returns for the past 2 years for self-employed persons
  3. Latest 6 months statement of account (for salaried and self-employed both)
  4. Profit and Loss statement and Balance sheet for the last 2 years in the case of self-employed persons
  5. Sales tax, GST registration certificates, if applicable
  6. Partnership deed in case of partnership firms
  7. Certificate of Incorporation for limited companies
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