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KURAKULA'S Personal Loans: Flexible Funding for Your Goals

KURAKULA'S offers unsecured personal loans with no collateral required – giving you complete freedom to use funds as you need. Discover how our loans empower your financial journey:

  • Smart Debt Consolidation: Merge multiple high-interest debts into one manageable Kurakulas loan. Enjoy lower interest rates and simplified repayments to save money while reducing financial stress.
  • Home Transformation Made Easy: Fund renovations with Kurakulas to boost your property value and enhance living spaces. From kitchen upgrades to full remodels, turn your house into your dream home.
  • Medical Expense Coverage:Handle unexpected healthcare costs confidently with Kurakulas. Cover emergency treatments, surgeries, or hospital bills without compromising on care.
  • Emergency Financial Safety Net: Life’s surprises won’t derail you with Kurakulas. Get instant funds for urgent car repairs, travel crises, or other unexpected expenses to maintain stability.

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Why Choose Kurakulas?

  • No collateral required – Access funds based on your creditworthiness
  • Flexible usage – Complete freedom to spend as per your needs
  • Quick approvals – Fast processing when you need funds most
  • Transparent terms – No hidden fees or surprises
  • Tailored solutions – Loan amounts and terms customized to you

Key Enhancements for Kurakulas:

  • Brand Integration: "Kurakulas" featured in every section for strong brand recall
  • Benefit-Focused Headlines: Action-oriented titles ("Smart Debt Consolidation," "Home Transformation Made Easy")
  • Emotional Appeal : Language addressing pain points ("reduce financial stress," "won’t derail you")

List Of Documents Required For Personal Loan

The documentation required to process and sanction a personal loan application is standard and uniform across Financial Institutions. However, it may vary with different lenders based on a few factors. To get a personal loan through lenders at KURAKULA'S, the personal loan documents required are

  • Identity Proof: PAN card, Aadhaar card, Voter ID card, Passport, or driver's license are all acceptable forms of identification.
  • Residence Proof:The acceptable forms of residential proof include the Aadhaar card, Voter ID card, passport, property documents, maintenance bills, or driving license. You can also furnish a rent agreement, an electricity bill, or a telephone bill.
  • Income Proof: The last three months bank statements or the last three months salary slips are acceptable forms of proof of income.
  • No Dues Certificate Generation Charges (Duplicate): Rs. 50 per instance per set + applicable GST.
  • Stamp Duty Charges: As per the State Stamp Act
  • Part Payment / Pre-Payment Charges: 5% + applicable GST (Pre-payment charges will be levied on the outstanding principal, and part payment charges will be levied on the amount of part payment made.)

Interest Rates & Charges

At KURAKULA'S Personal loans are available starting from Rs. 50,000 and going up to Rs. 20 lakhs, with minimal paperwork . Experts at KURAKULA'S recommend that borrowers carefully review the personal loan interest rates to make an informed decision. Rates and fees may vary depending on the loan duration, and you can choose a loan with the most favorable interest rates.In addition to the interest, you should be aware of processing fees and other charges that may apply, which differ by lender. Below are some common charges for better understanding:

  • Rate of Interest:10.49% to 21% per annum.
  • Repayment Instruction / Instrument Return Charges: Rs. 339 per instance of dishonor of cheque / SI / ECS / NACH debit instruction + applicable GST.
  • Swap Charges (Cheque/Instrument): Rs. 500 per instance + applicable GST
  • Penal Interest: 24% per annum (2% per month on overdue installments).
  • Duplicate Statement Issuance Charges: Rs. 250 per instance per set + applicable GST
  • Duplicate Amortization Schedule Issuance Charges: ●Rs. 250 per instance per set + applicable GST.
  • Credit Information Companies (CICs) Report Issuance Charges: Rs. 50 per instance per set + applicable GST .

Have a question? Check out the FAQ

How much loan amount can I get?

You can avail of loans ranging from [Minimum Amount] to [Maximum Amount] depending on your eligibility.

How long does it take to get the loan approved?

Most loans are approved instantly, and the amount is disbursed within 24-48 hours.

What are the repayment options?

We offer flexible repayment tenures ranging from [X] months to [Y] years.

Where can I use a personal loan for?

Personal loans are very versatile and can be used for a wide range of purposes, including:
Debt consolidation.
Home improvements.
Medical bills.
Wedding expenses.
Education costs.
Emergency expenses.
However, some lenders may impose restrictions on how you use the funds, so it’s always good to double-check.

What is the difference between a secured and unsecured personal loan?

Secured loan: Requires collateral (such as a car or home) to back the loan. If you default on the loan, the lender can seize the collateral.
Unsecured loan: Does not require collateral. Lenders base their decision on your creditworthiness and financial situation. Most personal loans are unsecured.
Employment Continuity Proof: Employment Certificate of current employers, Experience Letters, and Relieving Letters from past employers.
Other Documents: Two recent passport-size photos