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You're eligible for a Personal Loan if you:


Are legally adult enough to handle it

Have still got it

Get a regular pay check

Make more than a basic buck

Your eligibility depends on


Minimum income required
Rs.17,500 per month

Maximum allowed personal loan is Rs. 50K to Rs. 30 lakhs

EMIs of other loans lower
your eligibility

Boost your eligibility by


Pay off your credit card bills

Choose longer tenure loan up to 5 Yr years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

Personal Loan Interest RatesUpdated on 12 Feb 2016

Personal Loan Details
Interest Rate (Monthly reducing balance) 13.49% - 34%
Processing Fees 0.5-2.5%
Loan Tenure 1 year to 5 years
Pre-closure Charges 2% - 5%
Guarantor Requirement No guarantor required

About Personal Loans

Personal loan is a popular financial loan instrument providing assistance for any immediate financial need. Personal loans are non-collateral loans offered by almost all public sector banks and private banks to leverage any financial crisis. Quick approval with minimal documentation and loan disbursal as quick as one day makes personal loan a widely popular financial instrument.Unlike in the past, a borrower seeking personal loan does not need to be physically present in the bank branch to request for a personal loan. With the use of technology and internet, personal loans can now be applied online with a quick approval process of less than one working day. Wide quantum of loan amount, flexible loan tenure and easy availability makes personal loans a viable financial instrument for people of all financial backgrounds when faced with a financial crisis.

Why choose a Personal Loan?

A temporary financial crisis can happen to anyone irrespective of his or her overall financial status. Personal loans are a great way to offset any such temporary financial crisis as it allows the users to avail a loan without any pre conditions on the usage of funds. Personal loans have a quick approval mechanism with loans getting cleared as early as within 24-48 hours of the loan application submission.

  • Easy Availability: Easy availability is one of the biggest advantages of a personal loan. Almost all banks and on banking financial companies offer personal loans for it’s customers. Personal loans are not very expensive and are available at reasonable interest rates making them a lucrative option to overcome any immediate financial need.
  • Minimal Documentation: Getting a personal loan does not warrant any long process of asset verification and require minimal documentation. Personal loans are quickly disbursed due to the fact that they seek minimal documentation for loan approval.
  • Quick Loan Approval: Personal loans today come with a quick loan approval mechanism. Loans are approved almost instantly for online personal loan requests. Users requesting for a personal loan can expect a loan disbursal within one or two working days making the whole loan process swift and hassle free.

Features and Benefits of Personal Loans

  • Flexibility to Use Funds: Unlike other loan options, the funds raised through a personal loan can be used freely as per the needs of the individual borrower. Personal loans can be used to overcome any financial hardships, marriage or medical related expenses, house renovation or any other financial need of the borrower without any preconditions.
  • No Security: Personal loans are approved based on the income details and financial history of the borrower and not over any fixed asset as security or collateral. Since personal loans do not require any collateral or security to be mortgaged with the bank for loan approval, they are easy to use for a vast majority of people.
  • Flexible Quantum of Loan: Based on the borrower’s financial history and credit report, personal loans are available for requirements as low as Rs. 10,000 to as high as Rs. 15 Lakhs or 20 lakhs, depending on the bank or NBFC concerned.
  • Flexible Tenure: The tenure of a personal loan is also quite broad depending on the bank and the loan amount. Personal loans are available for a tenure period ranging from 12 months to 60 months, making it an ideal financial instrument compared to other options like credit card loan or gold loan., India's premier financial market place has collaborated with various public sector and private banks to offer customized personal loans for it's users. Users can apply for a personal loan online using online loan request tool.

Easy Eligibility Check: The loan calculator tool at checks for the user’s personal loan eligibility instantly. The tool also offers customized quotes for all eligible users as per their financial credit history and eligibility criteria.

Instant Quotes: The eligible loan applicants are offered instant quotes customized as per their profile and with a discounted interest rate.

Real time Loan Comparison: also offers a simple online personal loan comparison tool allowing users to compare the loan offers of various banks. Feedback shared by previous successful personal loan applicants acts as a helpful tool for new applicants to get the best personal loan deal.

Instant e-Approval: The applicant gets an instant e-approval after successfully submitting his or her personal loan application.

Assured Privacy: All personal loan applications submitted with are sent electronically to the concerned bank department assuring complete privacy and transparency.

Applying for a personal loan at involves three simple steps :

Step 1: In the first step, the user must fill the personal loan eligibility form available online with required personal data. Once submitted the personal loan tool automatically checks for eligibility of the applicant and personalized personal loan options.

Step 2: In the second step, the applicant can compare various personal loan options offered by the tool interface and apply for the best suitable loan.

Step 3: The last step involves receiving an instant e-approval from after successful submission of personal loan application online.

The application is sent electronically to the selected bank. The loan department of the concerned bank gets in touch with the applicant directly. Users can check the status of their loan application through SMS alters as well as emails.

Compare Personal Loans from different banks

Bank/NBFC Rate of Interest Loan Processing Charges Prepayment/ Forclosure Charges Cheque Bounce Charges
Axis Bank 15.50% to 24% 1.50% to 2.00% + Service Tax as applicable Nil Rs. 500 per cheque bounce + Service Tax as applicable
SBI Personal Loans Scheme (SBI Saral): 8. 50% above Base Rate floating 2.02%-3.03% of the loan amount. Nil NA
HDFC Bank 15.75% to 20% Up to 2.50% of the loan amount subject to a minimum of Rs. 1,000/- & Maximum of Rs. 25000/- for Salaried Customers. Salaried - 13-24 Months - 4% of Principal Outstanding, 25-36 Months - 2% of Principal Outstanding >36 Months - NIL NA
Bajaj Finserv 16% 2% - 3% of the loan amount Nil Rs. 1,000 for every bounce
ICICI Bank 13.99% to 18.00% Up to 2.25% of loan amount plus Service Tax The lower of the two amounts given below: 1) 5% of principal outstanding or 2) Interest outstanding for the unexpired period of the loan. NA
  • HDFC Personal Loan:

    HDFC Bank is a market leader in personal loans offering a Personal Accidental Cover of up to 8 Lakhs along with a Critical Illness cover of 1 Lakhs with each personal loan. HDFC Personal Loan starts as low as 15.75% interest rate for salaried individuals. HDFC Bank offers a high quantum of personal loan with a complete removal of any prepayment charges after a period of 36 months. HDFC Bank offers pre approved personal loans up to Rs. 3 Lakhs for women personal loan applicants along with free access to lifestyle diva products and services.

  • ICICI Personal Loan :

    ICICI Bank personal loans are available for both salaried as well as self-employed individuals and professionals. Salaried individuals can get a maximum personal loan up to Rs. 15 Lakhs while self-employed individuals can get a loan up to Rs. 30 Lakhs. ICICI Personal Loan starts with as low as 13.99% interest rate.

  • Bajaj Finserv (Finance) Personal Loan :

    Bajaj Finance Limited is one of the most popular non-banking financial companies offering personal loans up to Rs. 25 Lakhs for salaried individuals. Bajaj Finserv (Finance) Personal Loan starts from as low as 16% interest rate for salaried individuals. Bajaj Finserv allows prepayment up to 6 times in a calendar year with a minimum amount per prepay exceeding 3 EMIs. Bajaj Finserv offers a 24/7 customer support helpline including toll free number, emails and SMS allowing users to get in touch with the company to resolve their grievances at the earliest.

  • SBI Personal Loan :

    State Bank of India, the largest public sector bank of the country is one of the most preferred banks when it comes to personal loans. SBI offers personal loans for both salaried and self-employed individuals. State Bank of India offers a personal loan up to 12 times the net monthly income for salaried individuals and pensioners subject to a ceiling of Rs.10 Lakhs. State Bank of India has streamlined it's personal loan division allowing for quick loan approval and disbursal. SBI Personal Loan schemes are offered at lucrative interest rates for various working professionals and salaried individuals from time to time.

  • Axis Bank Personal Loan:

    Axis Bank is a popular choice for personal loans as the bank aims to give personal attention to each loan applicant. The quantum of personal loan amount for Axis Bank Personal Loan is highest in it's class fixed at an upper limit of Rs 15 Lakhs. Axis Bank offers personal loans at a competitive interest rate ranging from 15.5 to 24% with zero prepayment charges. Axis Bank offers eDGE loyalty points on Personal Loans which can be redeemed for cash surplus and discounts along with multiple repayment options. For any loan related query, Axis Bank has set up a dedicated helpline for loan services available round the clock at the bank's toll free numbers. offers users the opportunity to choose from the best personal loan plans in India as per the borrower’s repayment capacity and choice of tenure. offers customized personal loan quotes from various banks and non-banking financial companies. Users can choose the most suited bank or NBFC for their personal loan requests as per it's charges and other features.

Different banks and NBFCs have different minimum documentation requirement for personal loans. The common documents required by most banks and NBFCs for individuals requesting a personal loan include :

Documents for Salaried Individuals:

  • Proof of Identity: Passport, Driving License, Voters ID or PAN Card
  • Proof of Residence:-Passport or utility bills
  • Latest 3 months Bank Statement of Salary Account
  • Salary slips for last 3 months.

Documents for Self-Employed:

  • Proof of Identity: Passport, Driving License, Voters ID or PAN Card
  • Proof of Residence:-Passport or utility bills
  • Income proof: Audited financials for the last two years.
  • Last 6 months Bank statement.
  • Office address proof.

Various banks and NBFC’s offer personal loans to all applicants fulfilling their basic eligibility criteria. While different banks have different minimum eligibility criteria, the criteria common for most banks and NBFCs for individuals requesting a personal loan include:

Eligibility Criteria for Salaried Individuals:

  • Minimum age of applicant: 21 years
  • Maximum age of applicant at loan maturity: 58 years
  • Minimum Service Period With Current Employer: One Year

Eligibility Criteria for Self Employed Individuals:

  • Minimum age of applicant: 24 years
  • Maximum age of applicant at loan maturity: 65 years
  • Minimum Work Experience in Current Business/Profession: Three Years
  • One or Two Passport size color photographs
  • Photo Identity Proof
  • Residence Address Proof
  • Residence Ownership Proof
  • Income Proof for Self-employed Individuals
  • Job Continuity Proof for Salaried Individual
  • Last Six Months Bank Statement:

Different banks and non-banking financial companies offer different interest rates for personal loans. Most banks have their own unique different classification based on which interest rates are calculated. Personal loan interest rates of various banks vary from 13.50 to 18.50% depending on the eligibility criteria, the loan amount and the tenure period of the personal loan.

EMI calculation for personal loan is now made easy using the EMI calculator available at The Personal Loan EMI Calculator tool allows users the option of changing the loan amount and tenure while calculating the EMI for the personal loan. EMI loan calculator tool is a great option allowing users to see their monthly installment for the loan, helping them to choose the most suitable loan as per their financial budget.

Borrowers can take a personal loan against Mutual Funds or similar debt instruments. In case your income is lower, the mutual fund investment will make up for the lower income and it also enhances your loan eligibility. The debt instruments are a safer option and less volatile. The rate of interest charged on the loan will be lower than the rates provided for unsecured personal loan. To avail a loan against mutual fund, an application has to be filled by the joint holders of the mutual fund portfolio to seek for a loan. The loan amount sanctioned is a percentage of the value of the units held in the folio on the date of giving the loan. If the borrower defaults on the loan, then the lender can ask for the units in the portfolio to be redeemed. The proceeds will be used to pay the lender.

Q. What is Personal loan?

A. Personal loan is an unsecured loan that is given without any security. The end use of the money is not monitored either.

Q. What can I use the Personal loan for?

A. You can take a personal loan to meet any personal financial requirement or to repay your credit card bill, to buy electronic items, to take a vacation or to even meet the expenses of a wedding or any other function.

Q. Who can apply for a personal loan?

A. A salaried individual, self-employed professionals and self-employed non-professionals can apply for a personal loan.

Q. What is the minimum tenure of a personal loan?

A. Most banks will provide personal loan for a minimum of 1 year.

Q. What is the maximum tenure of a personal loan?

A. Most banks will provide personal loan for a maximum of 5 years.

Q. What is the eligibility criteria to avail personal loan?

A. The minimum age of the applicant must be not less than 21 years and the maximum age of the applicant at loan maturity must be 65 years.

Q. Will the banks charge me a processing fee?

A. Yes, usually the banks charge a processing fee of 2-3 percent on the loan amount. You can however negotiate with the bank to reduce the fee.

Q. How can I repay my personal loan?

A. Personal loan can be repaid in equal monthly instalments or EMI. You can provide a post-dated cheque or can give a standing order with your bank or through electronic transfer. Q. What is an EMI?

A. EMI or Equal Monthly Instalment includes principal and interest.

Q. Is part- prepayment allowed on my personal loan?

A. Personal loans can be prepaid in parts or fully at any stage. Some banks might charge a prepayment penalty whereas some banks will not. Some banks will not allow the part-prepayment. So, check all the documents before finalising with the bank.

Q. Will I need a guarantor to take a personal loan?

A. No, you will not need a guarantor to take a personal loan.

Q. Can I club my income with my spouse to take a personal loan?

A. Yes, you can club the income of your spouse to boost your eligibility to avail a personal loan.

Q. How much personal loan can I take?

A. The banks do not usually let you take a loan exceeding 30- 40 percent of your net salary.

Q. What is the minimum loan limit offered for personal loan?

A. Generally, the minimum amount limit that one can take a personal loan is Rs.1,000.

Q. What is the maximum loan limit offered for personal loan?

A. Generally, the maximum loan limit is Rs.15 lakhs.

Q. Do I need to submit any security or collateral to take a personal loan?

A. No, you don’t have to provide any security or collateral to take a personal loan.

Q. Do I get to choose between a fixed and a floating rate of interest for the personal loan?

A. Yes, you have the option to choose either the fixed or floating rate of interest.

Q. What is the rate of interest that will be charged on my personal loan?

A. The interest rate varies from banks to banks and it is within 14-26 percent depending on your profile and the scheme that you opt for.

Q. How many days does it take for the bank to disburse the personal loan amount?

A. Banks disburse the loan within 72 hours to 7 working days provided all the documents are in place.

Q. Will the banks check my CIBIL score while reviewing my application?

A. Yes, banks refer your CIBIL score and credit report and the minimum CIBIL score requirement is 750+.

Q. Will the CIBIL score affect my personal loan interest rate?

A. Yes, the CIBIL score affects the interest rate offered to you. If your CIBIL score is high and if you have a good repayment history, then the bank will offer you a lower interest rate.

Q. How will I be eligible for a relationship discount?

A. If you have been a customer for a particular bank for a while, then the bank might reduce the personal loan interest rate or other such charges. Some banks will also provide you additional services.

Q. What are the documents required to seek a personal loan application approval?

A. You need to submit an identity proof as well as residence proof, your latest salary slip, form no. 16, last 6 months bank statement and a passport sized photograph that is to be affixed on the application form.

Q. Do I need to open a bank account to service my personal loan?

A. If you don’t have a bank account with the bank, it is not mandatory to apply for one. But, if you apply for a loan with your existing banker, then you will be eligible for a relationship discount.

Q. How do I stop executives from calling me to let me know about other loans?

A. Some banks let you register yourself for ‘Do Not Disturb’. The executives will not disturb you with cold sales calls.

Q: What is the best way to apply for personal Loan?

A: The best way to apply for an personal loan is by using the online loan application tool at The tool can be accessed on this page allowing users to choose personal loan from various banks and NBFCS as per their selection.

Q: What is the minimum and maximum amount of Personal Loan that I can get?

A: Various banks and NBFC’s offer personal loans ranging from a minimum amount of Rs. 1000 to a maximum amount of Rs. 15 to Rs. 20 Lakhs. The maximum and minimum loan amount depends on the underlying bank as well as the personal financial details of the loan seeker.

Q: What is the tenure for which I can avail a Personal Loan?

A: Various banks offer different tenure for personal loans. The most common tenure period offered by majority of banks and NBFCs ranges between 12 to 60 months.

Q: Can I Track my Loan Application?

A: offers it's loan applicants an active tracking tool through both email and SMS allowing them to track daily updates of their loan application.

Q: Is my Data Safe with

A: is India’s premier financial market place and takes utmost care in ensuring the all data is sent in electronic form with high level of encryption. does not share data with any third party other than the financial institution.

Q: Is Personal Loan Tool Free?

A: Yes personal loan calculator tool is totally free and the portal does not charge any fee for it's services from members.

Apply for a Personal Loan through and Get Amazon Gift Card Worth Rs. 2000 Upon Loan Approval!

2016 is here with a season of savings for you! BankBazaar is offering a #FlashSale of personal loans from major lenders in India. The sale, which has earlier attracted customers from all over the country, is now back and this time there are more banks and more loans in the offing.

Now, apply for a personal loan on BankBazaar’s portal and receive an assured coupon of Rs.2,000 from Amazon when the loan gets sanctioned by the bank. Indulge in shopping at the largest ecommerce website in the world and pay Rs.2,000 less- sounds great, doesn’t it?

This #FlashSale is valid for successful personal loan applications made between 7th February 2016 and 20th February 2016 on BankBazaar’s comprehensive portal. On sanction of the loan from any of the participating banks, you will receive a coupon of Rs.2,000 from out end.

*Partnering banks include:

The gift vouchers will be dispatched on approval of a Personal Loan application made through BankBazaar portal in any of the participating banks:

  • IndusInd Bank
  • Fullerton India
  • Kotak Mahindra Bank
  • ICICI Bank
  • Tata Capital

Happy Shopping!

News About Personal Loan

  • Loan Mela for SMEs Organized by Yes Bank

    by BankBazaar posted on February 9th, 2016

    Private sector lender Yes Bank is organizing a two-day loan mela for SMEs in New Delhi on February 9-10, 2016. The loans offered during these two days will get faster approvals. According to a statement released by a Yes Bank official the loans will get approved within two days after submitting the required documents. SMEs applying for loans will have to submit balance sheet and Income Tax Return (ITR) for the three years. Loans are available for entrepreneurs from across the sectors including retailers, exporters, healthcare, education etc. Loans can be availed in the categories of Loan against property (LAP), CC limits, OD Business loans etc. Interest rate will be determined based on the profile of the company.

    BankBazaar News About Loan
  • Micro lenders now have higher opportunities in terms of funding

    by BankBazaar posted on February 8th, 2016

    Bandhan, which used to be a Microfinance Institution (MFI) is now Bandhan Bank, giving other small finance banks, and other MFIs to get a higher chance of getting bank funding. Within this financial year’s first 2 quarters the funding for MFIs had seen a drastic hike of 127% to an amount of Rs 8,236 crore. Most banks fund MFIs to mainly meet their PSL targets. After Bandhan, 8 other MFIs have received their licenses to become small finance banks.

    BankBazaar News About Loan
  • Bandhan Bank to expand product portfolio

    by BankBazaar posted on February 5th, 2016

    Bandhan Bank plans to introduce a new product portfolio that’s not too extensive, but at the same time covers areas which the bank had ignored in the past. MSME Loans, Housing Loans, Small Vehicle Financing, etc. are to be introduced through the implementation of teams of employees that have been specially created for this purpose.

    BankBazaar News About Loan
  • I-Lend and Lenddo Come Together for Easier Unsecured Personal Loans

    by BankBazaar posted on February 2nd, 2016

    Hyderabad based i-Lend, a peer-to-peer lending marketplace, is entering a strategic partnership with Lenddo, a firm that uses non-traditional data for credit scoring and verification. The company hopes to expand its services in the country through this move. i-Lend facilitates procurement of unsecured personal loans between individual to individual, and between individual and institutions. The collaboration with Lenddo will allow i-Lend to tap the borrowers who are not included in the financial system due to lack of credit history, said Shankar, founder of i-Lend.

    BankBazaar News About Loan
  • Northeast MSMEs seek a supportive Banking Policy

    by BankBazaar posted on February 1st, 2016

    With limited support from the banking sector and the government, Micro, Small and Medium Enterprises (MSMEs) in the Northeast region have been struggling. The Federation of Industry and Commerce of North Eastern Region is seeking a banking policy to address the concerns. MSMEs are given loans based on their collaterals. When a unit meets adverse conditions in its finances, the banks tend to threaten them with liquidation rather than offer support to revive the unit, according to sources. Government departments and Public Sector Units – which are supposed to buy 20 percent of their annual value of goods and services from MSMEs – are floating tenders inviting bids only from companies with over Rs. 200 crore as turnover. There are around 10.64 lakh MSMEs in the Northeast region.

    BankBazaar News About Loan
  • Banks focus on retail loans

    by BankBazaar posted on January 29th, 2016

    According to reports, Indian banks are increasingly lending to retail customers, primarily from the middle-class in the country, for the purchase of motorbikes, mobiles and refrigerators among other consumer durables. Experts opine that the current move - focus on retail banking - is likely to create more demand in the domestic market as the Indian economy is set to grow at 7% this year. According to the data released by the Reserve Bank of India (RBI), outstanding loans (retail) rose by 18% in the month of November 2015 (Y-o-Y) as opposed to a paltry 5% for loans offered to industry. In 2015, HDFC Bank, launched a ‘10-second personal loan’, which facilitates faster approval of loans 24X7. Account holders of Axis Bank can avail of personal loans via an Automated Teller machine (ATM) or even a smartphone app.

    BankBazaar News About Loan
  • Tamil Nadu Government to offer loans to unemployed youths in Tamil Nadu

    by BankBazaar posted on January 27th, 2016

    A special camp under Unemployed Youth Employment Generation Program would be organized at the District Industries Centre in Tamil Nadu on January 27 to help its unemployed youths. Following the recent rain, many districts and industries experienced huge loss. The rain also affected the growth of Micro, Small and Medium Enterprises in Tamil Nadu. Considering this whole scenario of loss, the chief minister of Tamil Nadu decides to offer an amount of loan up to Rs. 5 lakhs to the unemployed youths in the flood affected districts of Tamil Nadu, along with a subsidy of 25%. Also, a loan of Rs. 3 lakhs and1 lakh would be provided for starting services, units and trading activities a fresh after the loss. It is expected that educated unemployed youths of Tamil Nadu can capitalize on this opportunity to start their own businesses. However, they need to go through selection process for that. As per the notification, unemployed youths who have passed standard VIII and have completed would be able eligible for availing this loan.

    BankBazaar News About Loan
  • Agrasen Bank plans expansion

    by BankBazaar posted on January 19th, 2016

    Agrasen Co-Operative Urban Bank Ltd is set to add three more branches by March 2016, increasing the number of branches to seven. Aiming to add Rs 200 crore to the business, the bank has announced a business mobilisation campaign during January 18 to February 4, 2016. In a statement, the CEO of Agrasen Bank a K Goyal said that the bank plans to facilitate new loans while at the same time increase its deposit base and mobilise new accounts. The loans include vehicle loans, other business loans and instant loan for women entrepreneurs and start-ups.

    BankBazaar News About Loan
  • SBI offers instant loans to e-commerce sellers

    by BankBazaar posted on January 18th, 2016

    India’s largest lender, State Bank of India announced the launch of SBI e-Smart SME on Friday, offering easy working capital to online e-commerce players. Snap deal, the e-commerce portal has been the first, to be offered this advantage. “The e-commerce growth has opened up opportunities for the banking industry,” SBI chairman Arundhati Bhattacharya, according to reports on Friday. SBI E-Smart SME is said to use data analytics gathered by Snap deal to assess the seller’s creditworthiness, instead of the traditional lending based on financial statements such as balance sheet and income tax returns. Mrs Bhattacharya also added, “The bank is also planning a similar tie-up with Flipkart, Paytm and Amazon going forward,” and “The biggest challenge for SMEs is to raise financing through formal banking is often they don’t have collateral or a long history of financial statements to give confidence to lender.” In this year, it is targeting Rs 1,000 crore loans to SMEs.

    BankBazaar News About Loan
  • Sikkim, Odisha, Uttarakhand, and Tripura to receive Village Financial Services

    by BankBazaar posted on January 14th, 2016

    Village Financial Services, a well-established microfinance lender has announced that it will begin operations in four more Indian states this year. Starting with Tripura, Village Financial Services plans to roll out its financial services to Sikkim, Odisha, and Uttarakhand. So far this fiscal, the company has raised over Rs.180 crores in bank loans.

    BankBazaar News About Loan

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