Service Category: Loan Product

Unicorn Capitals - Our Services - Loan Product
18Sep2017

Personal Loan

Unicorn Capitals Personal Loan is easy-to-get, quick and convenient. Now plan your finances confidently knowing your monthly payments will always remain the same. Loan can be used for Marriages, Children education, Functions or for any of your needs. You can get to know your loan amount instantly and get disbursal in your account in as soon as 3 business days.

Besides speedy and transparent processing, the firm offers a host of other benefits on its personal loans including flexible tenures and competitive interest rates.
These unmatched benefits make our products among the best personal loans in the market.

Eligibility:

The following people are eligible to apply for a Personal Loan:

  • Salaried doctors, CAs, employees of private limited companies, employees from public sector undertakings, including central, state and local bodies
  • Individuals between 21 and 60 years of age
  • Individuals who have had a job for at least 2 years, with a minimum of 1 year with the current employer
  • Those who earn a minimum of Rs. 15,000 net income per month

Documentation:

The following documents are required along with your Personal Loan application:

  • Identity proof (copy of PAN card/passport/voter ID card/driving license/Aadhaar)
  • Address proof (copy of passport/voter ID card/driving license/Aadhaar)
  • Bank statement of previous 3 months (Passbook of previous 6 months)
  • Latest salary slip/current dated salary certificate with the latest Form 16

Rates & Fees:

Enclosed below are Unicorn Capitals Personal Loan Interest Rates & Charges*

Fee Amount to be Paid
Rate of interest range 18% to 22%
Loan processing charges 1% to 2% of the loan amount subject to a minimum of Rs. 500/-
Pre-payment charges < 6 Months – 5% of Principal Outstanding
7-12 Months – 4% of Principal Outstanding
>12 Months – 3% of Principal Outstanding
No Due Certificate/No Objection Certificate (NOC) NIL
Duplicate of No Dues Certificate/NOC Rs. 100/-
Solvency Certificate Not applicable
Charges for late payment of EMI Rs. 500/- or 10% of unpaid EMI whichever is higher to be paid per month
Stamp duty & other statutory charges As per applicable laws of the state
Cheque swapping charges Rs 500/-
Amortization Schedule charges Rs 200/-
Loan cancellation charges NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)
Cheque bounce charges Rs. 350/- per cheque bounce
Legal/incidental charges At actual
Collection fees 36% of unpaid balance or Rs. 3000/- whichever is higher for every notice

* – above charges does not include GST and is applicable as per current government policy.

The above charges and rates are under the sole discretion of Unicorn Capitals, subject to change without prior notice.

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28Aug2017

Business Loan

Grow your firm or company with business loan from Unicorn Capitals.

Our business loans come with a host of benefits and are tailor made to meet your unique business needs.

We offer among the best business loans in the market, with complete transparency and competitive interest rates.

Besides speedy and transparent processing, the firm offers a host of other benefits on its business loan including flexible tenures and competitive interest rates.
These unmatched benefits make our products among the best business loan in the market.

Eligibility:

The following people are eligible to apply for a Business Loan:

  • Self employed individuals, Proprietors, Private Ltd. Co. and Partnership Firms involved in the business of Manufacturing, Trading or Services
  • Individuals who have been in the current business for a minimum of 2 years
  • Those whose business has been profit making for the previous 1 year
  • The applicant should be at least 21 years of age at the time of applying for the loan, and should be no older than 65 years of age at the time of loan maturity

Documentation:

  • The following documents are required along with your Business Loan application:
    • PAN Card – For Company/Firm/Individual
    • A copy of any of the following documents as identity proof:
      • Aadhaar Card
      • Passport
      • Voter’s ID Card
      • PAN Card
      • Driving License
    • A copy of any of the following documents as address proof:
      • Aadhaar Card
      • Passport
      • Voter’s ID Card
      • Driving License
    • Bank statement of the previous 6 months for firm/company and Sole-proprietor/Partner/Director
    • Latest ITR along with computation of income, Balance Sheet and Profit & Loss account for the previous 2 years, after being CA Certified/Audited for firm/company and Sole-proprietor/Partner/Director
    • Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate)
    • Other Mandatory Documents [Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (certified by Director) & Board resolution (Original)]

Rates & Fees:

Enclosed below are Unicorn Capital’s Business Loan Interest Rates & Charges*

Fee Amount to be Paid
Rate of interest range 15% to 22%
Loan processing charges 1% to 2% of the loan amount subject to a minimum of Rs. 1000/-
Pre-payment charges < 6 Months – 5% of Principal Outstanding
7-12 Months – 4% of Principal Outstanding
> 12 Months – 3% of Principal Outstanding
No Due Certificate/No Objection Certificate (NOC) NIL
Duplicate of No Dues Certificate/NOC Rs. 100/-
Solvency Certificate Not applicable
Charges for late payment of EMI Rs. 500/- or 10% of unpaid EMI whichever is higher to be paid per month
Stamp duty & other statutory charges As per applicable laws of the state
Cheque swapping charges Rs 500/-
Amortization Schedule charges Rs 200/-
Loan cancellation charges NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)
Cheque bounce charges Rs. 350/- per cheque bounce
Legal/incidental charges At actual
Collection fees 36% of unpaid balance or Rs. 3000/- whichever is higher for every notice

* – above charges does not include GST and is applicable as per current government policy.

The above charges and rates are under the sole discretion of Unicorn Capitals, subject to change without prior notice.

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28Aug2017

Loan Against Property

Enjoy the benefit of loans against property by getting a loan worth up to 60% of your property’s market value.

We offer customization features on loans against property for self-employed individuals.

Besides speedy and transparent processing, the firm offers a host of other benefits on its loan including flexible tenures and competitive interest rates.
These unmatched benefits make our products among the best loan in the market.

Eligibility:

The following individuals are eligible to apply for a Loan Against Property:

  • Salaried Individuals
  • Self Employed

Documentation:

  • The following documents are required along with your Loan Against Property application:

    • For Salaried Individuals:
      • A copy of any of the following as proof of residence:
        • Aadhaar card
        • Ration Card
        • Voter’s ID Card
      • A copy of any of the following as proof of identity:
        • Aadhaar card
        • Voter’s ID Card
        • PAN Card
        • Driver’s License
        • Employer’s Card
      • Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
      • Salary slip for the previous 6 months showing all deductions
      • Form 16 for the previous 2 years
      • Copies of all the property documents of the concerned property to be pledged for the loan
    • For Self Employed Professionals/Individuals:
      • Certified Financial Statement for the previous 2 years
      • A copy of any of the following as proof of residence:
        • Ration Card
        • Aadhaar card
        • Voter’s ID Card
      • A copy of any of the following as proof of identity:
        • Aadhaar card
        • PAN Card
        • Voter’s ID Card
        • Driver’s License
        • Employer’s Card
      • Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
      • Copies of all the property documents of the concerned property to be pledged for the loan

Rates & Fees:

Enclosed below are Unicorn Capitals Loan Against Property Interest Rates & Charges*

Fee Amount to be Paid
Rate of interest range 14% to 23%
Loan processing charges Up to 2.50% of the loan amount subject to a minimum of Rs. 1000/-
Pre-payment charges < 6 Months – 5% of Principal Outstanding,
7-12 Months – 4% of Principal Outstanding
> 12 Months – 3% of Principal Outstanding
No Due Certificate/No Objection Certificate (NOC) NIL
Duplicate of No Dues Certificate/NOC Rs. 100/-
Solvency Certificate Not applicable
Charges for late payment of EMI Rs. 500/- or 10% of unpaid EMI whichever is higher to be paid per month
Stamp duty & other statutory charges As per applicable laws of the state
Cheque swapping charges Rs 500/-
Amortization Schedule charges Rs 200/-
Loan cancellation charges NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)
Cheque bounce charges Rs. 350/- per cheque bounce
Legal/incidental charges At actual
Collection fees 36% of unpaid balance or Rs. 5000/- whichever is higher for every notice
Document retrieval charges Rs. 500 per document set.

* – above charges does not include GST and is applicable as per current government policy.

The above charges and rates are under the sole discretion of Unicorn Capitals, subject to change without prior notice.

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28Aug2017

Overdraft

Enjoy the benefit of overdraft loan against property by getting a loan worth up to 70% of your property’s market value.

We offer customization features on overdraft loans against property for self-employed individuals.

Besides speedy and transparent processing, the firm offers a host of other benefits on its loans including flexible tenures and competitive interest rates.
These unmatched benefits make our products among the best loans in the market.

Eligibility:

The following individuals are eligible to apply for a Overdraft Loan Against Property:

  • Salaried Individuals
  • Self Employed

Documentation:

  • The following documents are required along with your Overdraft Loan Against Property application:

    • For Salaried Individuals:
      • A copy of any of the following as proof of residence:
        • Aadhaar card
        • Ration Card
        • Voter’s ID Card
      • A copy of any of the following as proof of identity:
        • Aadhaar card
        • Voter’s ID Card
        • PAN Card
        • Driver’s License
        • Employer’s Card
      • Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
      • Salary slip for the previous 6 months showing all deductions
      • Form 16 for the previous 2 years
      • Copies of all the property documents of the concerned property to be pledged for the loan
    • For Self Employed Professionals/Individuals:
      • Certified Financial Statement for the previous 2 years
      • A copy of any of the following as proof of residence:
        • Ration Card
        • Aadhaar card
        • Voter’s ID Card
      • A copy of any of the following as proof of identity:
        • Aadhaar card
        • PAN Card
        • Voter’s ID Card
        • Driver’s License
        • Employer’s Card
      • Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
      • Copies of all the property documents of the concerned property to be pledged for the loan

Rates & Fees:

Enclosed below are Unicorn Capitals Overdraft Loan Against Property Interest Rates & Charges*

Fee Amount to be Paid
Rate of interest range 15% to 23%
Loan processing charges 1% of the loan amount subject to a minimum of Rs. 1000/-
Pre-payment charges < 6 Months – 4% of Principal Outstanding
> 6 Months – 3% of Principal Outstanding
No Due Certificate/No Objection Certificate (NOC) NIL
Duplicate of No Dues Certificate/NOC Rs. 100/-
Solvency Certificate Not applicable
Charges for late payment of Interest Rs. 500/- or 10% of unpaid interest whichever is higher to be paid per month
Stamp duty & other statutory charges As per applicable laws of the state
Cheque swapping charges Rs 500/-
Loan cancellation charges NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)
Cheque bounce charges Rs. 350/- per cheque bounce
Legal/incidental charges At actual
Collection fees 36% of unpaid balance or Rs. 3000/- whichever is higher for every notice
Document retrieval charges Rs. 500 per document set.

* – above charges does not include GST and is applicable as per current government policy.

The above charges and rates are under the sole discretion of Unicorn Capitals, subject to change without prior notice.

Read More
28Aug2017

Education Loan

Unicorn Capitals Education Loan is easy-to-get, quick and convenient.

We offer up to Rs 3 lakhs as education loans for Indian education. Enjoy the benefits of our education loans for Indian education with a wide range of collateral options, and easy loan repayment terms.

Besides speedy and transparent processing, the firm offers a host of other benefits on its education loan including flexible tenures and competitive interest rates.
These unmatched benefits make our products among the best education loan in the market.

Eligibility:

The following people are eligible to apply for an Education Loan for Indian Education:

  • Resident Indians
  • Individuals between the ages of 16 and 35
  • For Loan amount upto 1 lac: third party guarantee and parent(s) as joint borrower(s)
  • For loan amount > 1 lac: Tangible collateral security along with Parents to be joint borrower(s)

Documentation:

The following documents are required along with your Education Loan for Indian Education application:

Category Applicant (Student)
Academic Institute admission letter with fee break-up
SSC, HSC, Graduation mark sheets
KYC (Know Your Customer) Age proof
Signature proof
Identity proof
Residence proof
Income Documents Salaried (Parents)
Latest 2 salary slips carrying date of joining details
Previous 6 months bank statement of the salary account
  Self Employed (Parents)
ITR of previous 2 years along with computation of income
Audited balance sheet of previous 2 years
Bank statement of previous 6 months
Proof of turnover (latest sales/service tax return)
  Self Employed – Professional
ITR of previous 2 years along with computation of income
Audited balance sheet/proft and loss statement of previous 2 years
Bank statement of previous 6 months
Proof of Qualification

Rates & Fees:

Enclosed below are Unicorn Capitals Education Loan Interest Rates & Charges*

Fee Amount to be Paid
Rate of interest range 15% to 22%
Loan processing charges 1% of the loan amount subject to a minimum of Rs. 500/-
Pre-payment charges 3% of Principal Outstanding
No Due Certificate/No Objection Certificate (NOC) NIL
Duplicate of No Dues Certificate/NOC Rs. 100/-
Solvency Certificate Not applicable
Charges for late payment of EMI Rs. 500/- or 10% of unpaid EMI whichever is higher to be paid per month
Stamp duty & other statutory charges As per applicable laws of the state
Cheque swapping charges Rs 500/-
Amortization Schedule charges Rs 200/-
Loan cancellation charges NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)
Cheque bounce charges Rs. 350/- per cheque bounce
Legal/incidental charges At actual
Collection fees 36% of unpaid balance or Rs. 3000/- whichever is higher for every notice

* – above charges does not include GST and is applicable as per current government policy.

The above charges and rates are under the sole discretion of Unicorn Capitals, subject to change without prior notice.

Read More
28Aug2017

Two Wheeler Loan

Unicorn Capitals Two Wheeler Loan is easy-to-get, quick and convenient. Everything you want from a Two-wheeler loan, is right here. Get upto 90% finance on your two wheeler value.

Besides speedy and transparent processing, the firm offers a host of other benefits on its two wheeler loan including flexible tenures and competitive interest rates.
These unmatched benefits make our products among the best two wheeler loan in the market.

Eligibility:

The following people are eligible to apply for a Two Wheeler Loan:

  • A salaried or self-employed individual
  • Individuals who are a minimum of 21 years of age at the time of applying for the loan, and no older than 65 at the end of the loan tenure
  • Those who earn a minimum gross income of Rs. 75,000 per year for a salaried profile, and Rs. 70,000/- per year for a self-employed profile

Documentation:

The following documents are required along with your Two wheeler loan application:

    • For Salaried Individuals:
      • A copy of any of the following as proof of residence:
        • Aadhaar card
        • Ration Card
        • Voter’s ID Card
      • A copy of any of the following as proof of identity:
        • Aadhaar card
        • Voter’s ID Card
        • PAN Card
        • Driver’s License
        • Employer’s Card
      • Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
      • Salary slip for the previous 6 months showing all deductions
      • Form 16 for the previous 2 years
      • Insurance to be lien in the name of Unicorn Capitals

 

  • For Self Employed Professionals/Individuals:
    • Certified Financial Statement for the previous 2 years
    • A copy of any of the following as proof of residence:
      • Ration Card
      • Aadhaar card
      • Voter’s ID Card
    • A copy of any of the following as proof of identity:
      • Aadhaar card
      • PAN Card
      • Voter’s ID Card
      • Driver’s License
      • Employer’s Card
    • Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
    • Insurance to be lien marked to Unicorn Capitals.

Rates & Fees:

Enclosed below are Unicorn Capitals Two Wheeler Loan Interest Rates & Charges*

Fee Amount to be Paid
Loan processing charges 1% of the loan amount subject to a minimum of Rs. 1000/-
Pre-payment charges < 6 Months – 5% of Principal Outstanding,
7-12 Months – 4% of Principal Outstanding
> 12 Months – 3% of Principal Outstanding
No Due Certificate/No Objection Certificate (NOC) NIL
Duplicate of No Dues Certificate/NOC Rs. 100/-
Charges for late payment of EMI Rs. 500/- or 10% of unpaid EMI whichever is higher to be paid per month
Stamp duty & other statutory charges As per applicable laws of the state
Cheque swapping charges Rs 500/-
Amortization Schedule charges Rs 200/-
Loan cancellation charges NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)
Cheque bounce charges Rs. 350/- per cheque bounce
Legal/incidental charges At actual
Collection fees 36% of unpaid balance or Rs. 3000/- whichever is higher for every notice

* – above charges does not include GST and is applicable as per current government policy.

The above charges and rates are under the sole discretion of Unicorn Capitals, subject to change without prior notice.

Read More
28Aug2017

Car Loan

Unicorn Capitals Car Loan is easy-to-get, quick and convenient. Everything you want from a Car loan, is right here. Get upto 90% finance on your car value.

Besides speedy and transparent processing, the firm offers a host of other benefits on its car loan including flexible tenures and competitive interest rates.
These unmatched benefits make our products among the best car loan in the market.

Eligibility:

The following people are eligible to apply for a Car Loan:

  • A salaried or self-employed individual
  • Individuals who are a minimum of 21 years of age at the time of applying for the loan, and no older than 65 at the end of the loan tenure
  • Those who earn a minimum gross income of Rs. 75,000 per year for a salaried profile, and Rs. 70,000/- per year for a self-employed profile

Documentation:

The following documents are required along with your Car loan application:

  • For Salaried Individuals:
    • A copy of any of the following as proof of residence:
      • Aadhaar card
      • Ration Card
      • Voter’s ID Card
    • A copy of any of the following as proof of identity:
      • Aadhaar card
      • Voter’s ID Card
      • PAN Card
      • Driver’s License
      • Employer’s Card
    • Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
    • Salary slip for the previous 6 months showing all deductions
    • Form 16 for the previous 2 years
    • Insurance to be lien in the name of Unicorn Capitals


  • For Self Employed Professionals/Individuals:
    • Certified Financial Statement for the previous 2 years
    • A copy of any of the following as proof of residence:
      • Ration Card
      • Aadhaar card
      • Voter’s ID Card
    • A copy of any of the following as proof of identity:
      • Aadhaar card
      • PAN Card
      • Voter’s ID Card
      • Driver’s License
      • Employer’s Card
    • Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
    • Insurance to be lien marked to Unicorn Capitals.

Rates & Fees:

Enclosed below are Unicorn Capitals Car Loan Interest Rates & Charges*

Fee Amount to be Paid
Loan processing charges 1% of the loan amount subject to a minimum of Rs. 1000/-
Pre-payment charges < 6 Months – 5% of Principal Outstanding,
7-12 Months – 4% of Principal Outstanding
> 12 Months – 3% of Principal Outstanding
No Due Certificate/No Objection Certificate (NOC) NIL
Duplicate of No Dues Certificate/NOC Rs. 100/-
Charges for late payment of EMI Rs. 500/- or 10% of unpaid EMI whichever is higher to be paid per month
Stamp duty & other statutory charges As per applicable laws of the state
Cheque swapping charges Rs 500/-
Amortization Schedule charges Rs 200/-
Loan cancellation charges NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)
Cheque bounce charges Rs. 350/- per cheque bounce
Legal/incidental charges At actual
Collection fees 36% of unpaid balance or Rs. 3000/- whichever is higher for every notice

* – above charges does not include GST and is applicable as per current government policy.

The above charges and rates are under the sole discretion of Unicorn Capitals, subject to change without prior notice.

Read More
28Aug2017

Home Loan

Enjoy the benefit of Home loan by getting a loan worth up to 90% of your property’s market value.

We offer customization features on home loan for self-employed individuals.

Besides speedy and transparent processing, the firm offers a host of other benefits on its loan including flexible tenures and competitive interest rates.
These unmatched benefits make our products among the best home loan in the market.

Eligibility:

The following individuals are eligible to apply for a Home Loan:

  • Salaried Individuals
  • Self Employed

Documentation:

The following documents are required along with your Home Loan application:

  • For Salaried Individuals:
    • A copy of any of the following as proof of residence:
      • Aadhaar card
      • Ration Card
      • Voter’s ID Card
    • A copy of any of the following as proof of identity:
      • Aadhaar card
      • Voter’s ID Card
      • PAN Card
      • Driver’s License
      • Employer’s Card
    • Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
    • Salary slip for the previous 6 months showing all deductions
    • Form 16 for the previous 2 years
    • Copies of all the property documents of the concerned property to be pledged for the loan


  • For Self Employed Professionals/Individuals:
    • Certified Financial Statement for the previous 2 years
    • A copy of any of the following as proof of residence:
      • Ration Card
      • Aadhaar card
      • Voter’s ID Card
    • A copy of any of the following as proof of identity:
      • Aadhaar card
      • PAN Card
      • Voter’s ID Card
      • Driver’s License
      • Employer’s Card
    • Latest Bank Statement/Passbook from where you can show a salary/income being credited for the previous 6 months
    • Copies of all the property documents of the concerned property to be pledged for the loan
    • Insurance to be lien marked to Unicorn Capitals.

Rates & Fees:

Enclosed below are Unicorn Capitals Home Loan Interest Rates & Charges*

Fee Amount to be Paid
Rate of interest range 9% to 13%
Loan processing charges 1% of the loan amount subject to a minimum of Rs. 1000/-
Pre-payment charges NIL
No Due Certificate/No Objection Certificate (NOC) NIL
Duplicate of No Dues Certificate/NOC Rs. 100/-
Solvency Certificate Not applicable
Charges for late payment of EMI Rs. 500/- or 10% of unpaid EMI whichever is higher to be paid per month
Stamp duty & other statutory charges As per applicable laws of the state
Cheque swapping charges Rs 500/-
Amortization Schedule charges Rs 200/-
Loan cancellation charges NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)
Cheque bounce charges Rs. 350/- per cheque bounce
Legal/incidental charges At actual
Collection fees 36% of unpaid balance or Rs. 3000/- whichever is higher for every notice
Document retrieval charges Rs. 500 per document set.

* – above charges does not include GST and is applicable as per current government policy.

The above charges and rates are under the sole discretion of Unicorn Capitals, subject to change without prior notice.

Read More
28Aug2017

Loan For Professionals

Unicorn Capitals Loan for Professionals is easy-to-get, quick and convenient.

Grow your business the easy way with loan for professionals from Unicorn Capitals.

Use funds from your professional loan to expand your business, upgrade equipment and much more.

Besides speedy and transparent processing, the firm offers a host of other benefits on its loans including flexible tenures and competitive interest rates.
These unmatched benefits make our products among the best loans in the market.

Eligibility:

The following people are eligible to apply for Unicorn Capitals Loan for Professionals:

  • Doctors, Chartered Accountants, Architects, Company Secretaries, and professionals involved in self practice or consulting
  • Individuals who have minimum 4 years of post-qualification experience for Doctors and Chartered Accounts, and minimum 5 years of post-qualification experience for Company Secretaries and Architects
  • The business should have a Minimal Annual Income (ITR) of Rs. 50 thousand per annum
  • Those whose business has been profit making for the previous 2 years
  • The applicant should be at least 25 years at the time of applying for the loan, and should be no older than 65 years at the time of loan maturity

Documentation:

The following documents are required along with your Loan for Professionals application:

  • Qualification proof for highest professional degree
  • PAN Card – For Company/Firm/Individual
  • A copy of any of the following documents as identity proof:
    • Aadhaar Card
    • Passport
    • Voter’s ID Card
    • Driving License
    • PAN Card
  • A copy of any of the following documents as address proof:
    • Aadhaar Card
    • Passport
    • Voter’s ID Card
    • Driving License
  • Bank statement of the previous 6 months
  • Latest ITR along with computation of income, Balance Sheet and Profit & Loss account for the previous 2 years, after being CA Certified/Audited
  • Proof of continuation (ITR/Trade license/Establishment/Sales Tax Certificate)
  • Other Mandatory Documents [Sole Prop. Declaration Or Certified Copy of Partnership Deed, Certified true copy of Memorandum & Articles of Association (certified by Director) & Board resolution (Original)]

Rates & Fees:

Enclosed below are Unicorn Capitals Personal Loan Interest Rates & Charges*

Fee Amount to be Paid
Rate of interest range 15% to 22%
Loan processing charges 1% of the loan amount subject to a minimum of Rs. 500/-
Pre-payment charges NIL
No Due Certificate/No Objection Certificate (NOC) NIL
Duplicate of No Dues Certificate/NOC Rs. 100/-
Solvency Certificate Not applicable
Charges for late payment of EMI Rs. 500/- or 10% of unpaid EMI whichever is higher to be paid per month
Stamp duty & other statutory charges As per applicable laws of the state
Cheque swapping charges Rs 500/-
Amortization Schedule charges Rs 200/-
Loan cancellation charges NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)
Cheque bounce charges Rs. 350/- per cheque bounce
Legal/incidental charges At actual
Collection fees 36% of unpaid balance or Rs. 3000/- whichever is higher for every notice

* – above charges does not include GST and is applicable as per current government policy.

The above charges and rates are under the sole discretion of Unicorn Capitals, subject to change without prior notice.

Read More
28Aug2017

Consumer Durable Loan

Unicorn Capitals Consumer Durable Loan is easy-to-get, quick and convenient.

Upgrade your home with the latest gadgets with Unicorn Capitals consumer durable loan.

Apply for our consumer durable loans to fund your purchase of household electronic goods, from refrigerators to recliners.

With up to 100% financing and quick approval of consumer durable loans, enjoy a hassle-free process when you apply for our consumer durable loan.

Besides speedy and transparent processing, the firm offers a host of other benefits on its loans including flexible tenures and competitive interest rates.
These unmatched benefits make our products among the best loan in the market.

Eligibility:

The following people are eligible to apply for a Loan:

  • Individuals between 21 and 60 years of age
  • Individuals who have had a job / business for at least 2 years, with a minimum of 1 year with the current employer
  • Those who earn a minimum of Rs. 15,000 net income per month

Documentation:

The following documents are required along with your Loan application:

  • Identity proof (copy of PAN card/passport/voter ID card/driving license/Aadhaar)
  • Address proof (copy of passport/voter ID card/driving license/Aadhaar)
  • Bank statement of previous 3 months (Passbook of previous 6 months)
  • Latest salary slip/current dated salary certificate with the latest Form 16

Rates & Fees:

Enclosed below are Unicorn Capitals Consumer Durable Loan Interest Rates & Charges*

Fee Amount to be Paid
Rate of interest range 19% to 24%
Loan processing charges Up to 2.50% of the loan amount subject to a minimum of Rs. 500/-
Pre-payment charges < 6 Months – 5% of Principal Outstanding,
7-12 Months – 4% of Principal Outstanding
>12 Months – 3% of Principal Outstanding
No Due Certificate/No Objection Certificate (NOC) NIL
Duplicate of No Dues Certificate/NOC Rs. 100/-
Solvency Certificate Not applicable
Charges for late payment of EMI Rs. 500/- or 10% of unpaid EMI whichever is higher to be paid per month
Stamp duty & other statutory charges As per applicable laws of the state
Cheque swapping charges Rs 500/-
Amortization Schedule charges Rs 200/-
Loan cancellation charges NIL (However client would be charged interest for the interim period between date of loan disbursement and loan cancellation and processing fees would be retained.)
Cheque bounce charges Rs. 350/- per cheque bounce
Legal/incidental charges At actual
Collection fees 36% of unpaid balance or Rs. 5000/- whichever is higher for every notice

* – above charges does not include GST and is applicable as per current government policy.

The above charges and rates are under the sole discretion of Unicorn Capitals, subject to change without prior notice.

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