Multiple banks. Different interest rates. Call it a "conflict of interest".
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    Saija Microfinance

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.49% - 20% Fixed
    0.25% to 2%
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Ad
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12.50% - 19.50% Fixed
    0 One time fee
    25L Max
    1-6 Years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.49% - 18.49% Fixed
    2.5% (min. ₹1149) One time fee
    20L Max
    1-5 Years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.49% - 19.8% Fixed
    Up to 2.5% One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.99% - 19% Fixed
    0.25% to 2.5% One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.99% - 17% Fixed
    0
    30L Max
    1-5 years
    Response Time Within 30 minutes
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.49% - 20.15% Fixed
    1% to 2%
    15L Max
    1-5 years
    Response Time Within 30 minutes
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13% - 20% Fixed
    Up to 1.5% One time fee
    15L Max
    1-5 years
    Response Time Within 30 minutes
    INSTANT DECISION
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    17.25% - 37% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time Within 30 minutes
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    14.00% - 16.25% Fixed
    1.25% to 1.75% One time fee
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    15.95% - 18.95% Fixed
    2% One time fee
    20L Max
    1-3 years
    Response Time Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    12.99% - 14.50% Fixed
    0.99% to 2% One time fee
    45L Max
    1-5 years
    Response Time Within 30 minutes
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    Personal Loan BYTES FROM OUR KITCHEN

    Overview about Saija Finance Pvt Ltd (Saija Microfinance)

    Saija Finance Pvt Ltd is based out of Patna, Bihar and holds the distinction of being the only NBFC-MFI (Non-Banking Finance Company/Micro Finance Institution) in the state. The institution aims to provide financial empowerment in one of the poorest regions in the country. The group plans to expand throughout the deprived regions of Northern and Eastern India. Saija Finance currently has close to 150,000 clients spread across 20 districts in the states of Bihar, Uttar Pradesh and Jharkhand, being represented in those locations through close to 40 branches.

    Saija Finance loans

    Saija Finance offers financial assistance in the form of 4 different products as follows:

    Saija Karobar Rin (SKR)

    This product offers financial assistance to self-employed people for purposes such as working capital, fixed asset purchases and improvement or expansion of business.

    Features

    • Loans are available within the range of Rs.5,000 to Rs.1 lakh.
    • Loans up to Rs.30,000 available for 1 year tenure.
    • Loans above Rs.30,000 and up to Rs.1 lakh available for 2 years tenure.
    • Repayment in weekly, monthly or bi-weekly frequencies.
    • Interest at 26.26% p.a.
    • 1% processing fee.
    • No late payment or prepayment charges.

    Saija Mahila Rin (SMR)

    This is offered to women so as to enable them to generate income through household activities or cover genuine consumption requirements such as household improvement, education etc.

    Features
    • Loans available from Rs.5,000 to Rs.1 lakh.
    • Repayment tenure of 1 year for loans up to Rs.30,000 and 2 years for higher amounts.
    • Repayment frequency of weekly, monthly or bi-weekly.
    • Interest rate of 26.26% (reducing).
    • 1% processing fee.
    • No late payment or pre-payment charges.

    Saija Urja Rin (SUR)

    This is offered to clients for purposes such as solar lighting product purchases so that clients can contribute towards healthy living by giving away oil lamps and other unclean sources of energy.

    Features
    • Loan amount of Rs.1,899, fixed.
    • Repayment tenure of 13 bi-weekly payments.
    • Interest rate of 26.26% (reducing).
    • 1% processing fee.
    • No late payment or prepayment charges.

    Saija Vridhi Rin (SVR)

    This product aims to enhance customer satisfaction through different withdrawal facilities so as to meet seasonal or cyclic financial demands of clients.

    Features
    • Loan amount up to 75% of existing loan value.
    • Main loan and SVR combined should have overall indebtedness of not more than Rs.10,000 in a regular cycle.
    • Only available for existing customers of Saija Finance with a history of at least 6 months.
    • SKR/SMR clients who have successfully repaid their existing loans for at least 6 months are eligible for 1 year loan.
    • SKR/SMR clients who have successfully repaid their existing loans for at least 12 months are eligible for 2 years loan.
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