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May 4, 2020May 20, 2020

Benefits of Business Loan

What are all the Benefits of Business Loan ?. Who is the Best Bank Loan Consultants for Business Loans in Chennai, Tamil Nadu, India. Contact S & P Bank Loan Consultants which is one of the Top Finance Consultants in India 24/7.

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Borrowing money from bank as a business loan

Are you running a business? Business always need finance at all its stages. Managing business with own funds for long tenure is difficult. You may need finance to buy asset or other business expenses. Borrowing money from bank as a business loan is the best option for your finance needs.

Business Loans as secured or unsecured

Business Loan serves as a powerful tool for any business. You can take Business loan for purchase of stock and new machinery. You can also avail Business Loan expansion and any major business expenses. Bank offer Business Loans as secured or unsecured. It varies from bank to bank and depends on other parameters. We will look into why you have to go for a business loan.

Receives huge cash inflow for business

The easiest and best way to raise money for business is business loan. It can be for launch, growth or expansion of business. Bank offers business loan for all business purposes. Business loan is the best option to raise large amount of funds for multiple purposes.

Finance is lifeline of any business. With huge cash inflow, you can make advance payment for materials and negotiate for a discount with supplier. This will increase your profit and you can sell the goods at competitive price. You can also increase your market share.

Retains the control and Management of the Company

If you take a business loan, bank does not interfere in day-to-day activities of the business. It does not involve in any major business decisions. If you raise funds through equity shares, business issue shares to shareholders. If you raise funds through investor, they involve in management decision. Taking business loan, retains the control and management of the company with promoters.

No profit Sharing with anyone

Bank does not ask for profit share in your business. Even company grows tremendously, because of Bank loans. Bank only demands loan amount with added interest. For equity fund raisers, business has to pay dividends. Fund raiser being investor, he demands for share of profit, in proportion to growth. Availing bank loan helps you to improve your own business without sharing of profits.

Convenient and Accessible

All the banks offer various types of business loan products. You can easily access to any business loans. We make the loan process simple for you. Most lenders offer loan through online. Submit the documents in online. Approval and disbursal process is quick.

Our S & P loan consultants would handle whole loan process on your behalf. In fact, We provide a dedicated team with personal relationship manager to handle all your doubts in business loans.

Collateral Free

Gone are the days, where business loan is offered against collateral. Now banks offer collateral free loans for new ventures too. To support economic envelopment, Government has introduced MUDRA and CGTMSE scheme. No collateral for government scheme loans.

Business plan, viability, future cash flow and credit history

Banks look into your business plan, viability, future cash flow and credit history. If all parameters are good, bank approves the loan without collateral. Our Loan consultants will help you to get maximum loan amount with best lender, offers and concessions. By the way, You can reap the full benefits of business loan.

Reasonable Interest Rate:

Banks are competing among themselves for offering loans. This is good situation for business owners. You can negotiate for a reasonable lower rate which reduces your cost. Banks consider business financials while evaluating loan application.

Interest on loan is claimed as expenses in profit and loss account of your business. Thus, interest is tax-deductible.

Flexible Tenure:

Business Loan can be for working capital or purchase of fixed asset. It can be for expansion plans too. You may need some holiday period for interest and principal payment of loan. Moreover, You can use the holiday period for stabilizing the business in the market.

Short term Finance

Some business need only short term finance. Few business may need bullet repayments, cash realization may take longer time in this business. Lenders understand your need, business design and financial parameters. Based on your need, lenders offer loan tenure and repayment options.

If your credit history and financials are good, banks offer you lower EMI, compared to market rate.

Find the Benefits of Business Loans

Benefits of business loan is incomparable. Business loan takes you to next level in business. If you are looking out for business loan, we help you out with hassle free loan process and quick disbursal. By all means, We hope you have understood the Benefits of Business Loan. Find the Best Bank Loan Consultants for Business Loans in Chennai, Tamil Nadu, India.

Contact S & P Bank Loan Consultants, One of the Top Finance Consultants in India.

May 4, 2020May 20, 2020

Benefits of Credit Card based loan

Bank Loan Consultants for Loans based on credit card in Chennai | Credit Cards Based Loans

What are all the Benefits of Credit Card based loan ?. How can we get it ?. What is the eligibility to get this Loan ?. Contact S & P Bank Loan Consultants in Chennai, Tamil Nadu, India.

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What is credit card based loan?

Availing loan against credit card is a credit card based loan. Let’s understand the meaning of it. As you all know, Card allows you to buy things and services without cash. Issuer of card pays on behalf of you. You get a credit and need to pay the same in specified time provided by issuer. Banks offer loan against existing Cards.

This loan is based on credit card usage and repayment history. It is a collateral free loan and a type of personal loan used for meeting all your emergency situations. And also used for any of your personal needs. It can be applied online like any other loans.
Many banks offer pre-approved credit card based loan through a click on net-banking or phone banking.

Eligibility for Credit Card based loan:

Holding a credit card is mandatory for this loan. Loan depends on good record of repayment of all loan obligations. Loan amount depends on the limit of the Card.

Eligibility on income level and credit score

Limit of credit card depends on your income level and credit score. You can even withdraw cash from credit card for financial needs. But the interest rate on cash withdrawal from credit card is higher than Loans Based on credit card.
You can top-up the loan amount, when bank increases the Card limits.

Parameters on Loan sanctions

Both personal and Loans based on credit card are unsecured loans. It serves for personal needs. Let’s understand the difference between personal loan and Loans based on credit card. Based on few parameters we can differentiate the two loans.

Nature of Loan:

Personal loan is unsecured loan sanctioned in the basis on need of the borrower. You can buy big items with the personal loan. Benefits of Loans based on credit card is those are all unsecured loans. But they are pre-approved loans based on usage of the card. You can buy smaller items in this loan.

Documentation:

At the time of applying personal loan, bank needs documents like income proof, identity proof and address proof. No documents needed for Loans based on credit card, as the loan approval based on Card limit. Documents submitted during credit card suffice for credit card loan too.

Eligibility:

You can apply for personal loan with any bank. No need of being customer of the bank where you intend to apply. Whereas in Loans based on credit card, you need to hold credit card of the lender to avail this loan.

Process time:

Due to documentation formalities, personal loan takes longer time compared to Loans based on credit card. It can be instantly credited to your savings account to fulfill your finance needs.

Loan Period:

Personal loan usually given for 12 months to 60 months. While Loans based on credit card is given for a shorter period of time. Generally this loan is for a period of 24 months.

Interest rate and duration:

Interest rate of Loans based on credit card depends on your credit card usage. It depends on your repayment track record of the customer. It varies from customer to customer. Generally lower interest charged on this loan compared to personal loans.

Tenure of Loans

Normally the tenure of Loans based on credit card will be 24 months. Borrower can fix lesser tenure based on their need.

Advantages of Loans based on credit card over Personal loan:

One can get Loans based on credit card with quick disbursement of loan without any documentation. It gives instant cash whenever in need. It provides attractive and low interest rate compared to all other loans. You can repay the loan in EMIs. It provides flexible tenure as per your need. Low processing charges compared to personal loans.

Loans for emergency situations

In emergency situations and need of the hour, credit card based loan can be availed within hours. In emergency situations, you receive loan without any hassles on documentation. Availing this Loans gives you relief on fund raising emergency situations.

Contact the Best Bank Loan Consultants

We here help you to decide the type of loan suited for you based on your situation. Our loan consultants provide you end-to end solutions for all types of loans. They also assist in comparative analysis of various Benefits of Credit card based Loan for the credit cards you have.
You call the given phone number or fill in your details and need of Loans based on credit card, we would get in touch with you.

May 2, 2020May 29, 2020

Benefits of Term Loan

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What are all the Benefits of Term Loan ?

Business need finance for starting up, expansion and modernization of business. Let’s see why any business need finance. For a new business, you need to buy assets and fresh inventory. Initial cost is also there for setting up business. For existing business for expansion like opening up branch and adding new line of business. Term Loan is one of the best Source of funds for you business. What are all the Benefits of Term Loan ?

Finance through capital infusion or to borrow money from lenders

Business also need finance for loss making business for bringing back to normal situation. Now how to access finance? You can access finance internally or externally. Internal finance is to use retained earnings. New business may have less or no retained earnings. Next option is external finance. You raise finance through capital infusion or to borrow money from lenders.

Boost cash flow

Taking loan from lenders always have more advantage than raising capital. Term Loan allow you to spread out the cost throughout loan tenure. This loan allow you to boost cash flow, hiring up new team, buy bulk inventory, buy fixed assets and merge debts. Lets’ discuss the benefits of Term loan.

Improves Operational Cash flow

Capital is a scare resource and investing capital in single project of a business. It limits the capital availability to other business projects. Term loan is accessible and conveniently availed. You get a Term Loan and diversify the investment in various projects. Cash inflows from all projects may not be at same time. Thus, cash inflows from various projects help you to improve operational cash flow at all times.

Interest

Interest on Term Loan is tax-deductible. Whereas dividend for equity and preference shares are paid out of profit after tax. Term Loan is cheapest source of finance compared to other source of finance. You can fix the interest on this loan with negotiation with bank. Good credit score, strong financials(existing business) or viable business plan (new business) helps you to get Loans at low interest rate.

Speed of processing

Time is money. All business need money quickly. With the online loan application and loan processing, you get the money disbursed fast. We at S & P Bank Loan Services & Loan consultants help you to get the loan within short span of time. You get the money early, you will also have a peace of mind towards finance arrangement.

Preserves ownership

Term Loan comes under debt-financing. It does not involve selling part of equity for procuring funds. You can hold 100% ownership and you can run the business as you wish.

Lender does not have right to vote. Lenders does not entitle to ownership like equity and preference shareholders. Lenders only demand principal amount with interest.

Minimize Investor Interference:

Seeking investor investment is one of the common ways to raise money. This is a way for control dilution and dividing ownership of the business. With term loans, you can access huge finance. You can also retain ownership and control of the business.

Improve Credit:

Term loan is a loan which allows you to pay the loan amount in periodic installments. You pay the installments due in time and it improves your credit score. Having a good credit score always helps you at all time to take any type of loans from creditors. Thus, this loans are effective way to build creditworthiness of business.

Flexible Terms:

There is no maximum amount for term loan generally. You can start borrowing from Rs. 10,000 to any higher loan amount. This allows small and big business man to apply for term loans based on their need. In the same manner, you can also fix the loan tenures as you need. Based on business need, lenders provide holiday period/bullet repayments.

EMI / Monthly installment at the sanction of the loan

Lenders fix the EMI / Monthly installment at the sanction of the loan. Lenders also fix all cost related to term loan at sanction stage only. This loan does not allow you to spend any unpredictable cost in future. Meanwhile, You can fix term loan cost on monthly budgets at beginning of the year.

Contact the Best Term Loan Consultants

Best loan consultants in S & P Bank Loan Services provide you full support from start to end of Term loan process. In Fact, We provide dedicated staff to follow up with you through process and after loan support. Of course, We support you with best loan products which suits your business need. Feel free to contact us for all types of loan needs.

May 1, 2020May 29, 2020

How can we get a Quick Personal Loan ?

Quick Personal Loan | Fast Personal Loan Consultants

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How can we get Personal loans fast in Chennai?

S & P Bank Loan Services in Chennai help you to get your personal loan very fast. After the client reaches us for a quick personal loan, we follow a hassle-free procedure. We collect the documents from the client and understand the need of the client.

By all means, We provide various lenders in market with comparison of interest rates, offers and loan tenure. Of course, Our team will co-ordinate with you and approach the lender on behalf of you. And make the approval process fast.

What is bad credit?

When credit obligations are not paid in time, it is bad credit. Credit obligation means timely payment of loan interest and installment and credit card bills. If you have bad credit, it will affect your credit score. This makes you difficult to get any loans from bank/lenders. Don’t panic or stress. We are there to help you in your difficult situation. We help you to improve credit score and clear bad credits.

How can you apply for a Quick personal loan when long due to loans?

There are ways out to get loans with long due loans. Take your CIBIL report and check for long due loans. Confirm whether loan due is correct. Find the total dues from the lender. Try to clear the dues in full. Show the proof of due clearance to the banks where you are applying for a personal loan. If not possible, to clear at-least interest part of the loan. Show the proof of part payment to the bank.

Personal loan with a co-obligates or guarantor

Paying partial dues also improves your credit score. Banks would offer personal loans with a co-obligates or guarantor. Take steps to clear the outstanding in CIBIL report and improve the CIBIL score. We can assist you to get a personal loan even with long due to loans. We could do the whole procedural work for you.

How can you apply for personal loans while defaults in credit card dues?

You can get your Quick personal loan with credit card dues. Please note the list of card dues outstanding. Make credit card due to payment in full or part. Approach the lender with proof of payment. Also prove that your current income supports you for applied loans. As you are aware, don’t approach too many lenders. We can help you out with updating of CIBIL reports for due payments. We can also make the approval process of personal loans fast.

How can we apply a One-time settlement scheme with Bank?

It is a type of recovery by banks for bad credit. When you have long overdue loans, you can approach the bank for a one-time settlement scheme. Borrower agrees to settle all dues at once. And banks agree for a lesser amount for settlement than actual due.

One time settlement Scheme for unsecured loans

Many banks have online system for one-time settlement system. It is sole discretion of banks to allow a borrower under one-time settlement scheme or not. If bank agrees, you can pay the final demanded amount from bank and close the loan. Bank also agrees for one time settlement Scheme mainly for unsecured loans.

Please note that it will have an impact on your credit score. Legal service may be needed to represent on your behalf in the bank.

How can you approach Ombudsman Services?

There may be a situation where actually there are no dues / payable to the bank at your end. But your CIBIL Score is low. CIBIL may have updated the wrong information. You can approach the CIBIL and update the correct information.

RBI Ombudsman service

Sometimes, bank official may also provide incorrect information. You can approach the bank for updating correct data. If the bank does not update data for more than a month, you can escalate the issue to Banking Ombudsman. He can receive and consider complaints relating to number of deficiencies of banking operation. He is a person appointed by RBI Ombudsman service resolve the issue within reasonable time.

To represent your side in front of the ombudsman, Legal service may be needed. We can support you in the full process along with legal services too.

Personal loan eligibility, procedure and approval process

You can get a quick personal loan even with a low credit score. Our Loan Executives support you in improving your creditworthiness. In Fact, We are here to address your queries on personal loan eligibility, procedure, and approval process. We also can support you with all types of loans.

May 1, 2020May 29, 2020

Housing Loan for Government Employees

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How to get Housing Loan for Government Employees ?

Owning a house is a dream of every person in India. By the way, It creates sense of accomplishment and ownership. Creation of asset makes everyone happy in the family. Mainly, It stands for generation as identity of family. Most people take housing loan for purchasing a home. As buying a home involves huge amount due to high real estate price. S & P Bank Loan Services offers the Best Personal Loan Consultation for Government Employees.

Creating asset

Housing loan helps you to buy the house and pay the loan amount in EMIs for many years. With the advantage of creating asset, it offers lot of benefits too. Let’s discuss the advantage of housing loan for Government Employees

Advantage of Housing Loan for Government Employees

Capital Appreciation:

Over the last few decades, property prices keeps appreciating. Investing in house is the smartest move considering capital appreciation. Likewise, Rent also keeps increasing year after year. Therefore, buying property and paying EMI saves the rent in monthly budget.

Tax Benefits:

Housing loan also helps in saving income tax. It allows deduction on both interest on housing loan and installment on housing loan. There are deductions available for buying second house also in some cases. We help you in calculating correct deduction available for your housing loan.

Improves Credit Score:

Paying EMI of housing on or before due dates helps you to improve credit score. You can also apply for car loan, personal loan or another housing loan based on your eligibility.

Easy to buy dream home:

It is not easy to buy a home with huge amount of cash in hand. Bank loan comes to rescue to buy a home with only 10%-15% down payment. It allows to pay the loan amount with highest repayment tenure. Repayment tenure generally more than 20 years.

No Prepayment charges:

Generally other loans have prepayment charges when prepaid before tenure. No prepayment/foreclosure charges when you pay few/ all installments before actual tenure.

Different Products of Housing Loan:

Lenders also offer different types of housing loans. .Lenders offer loan for land buy first. After certain time, you can construct a house in the purchased land. This type of loan is loan for buy of land. Lenders offer loan to buy a new or per-owned home which is loan for Home purchase.

Loan for house renovation or house extension or for house repairs

Lenders offer loan to build a house as per your wish than buying already built house. This type of loan is loan for house construction. Lenders offer separate products for buying residential flats too. In Fact, Lenders also offer loan for house renovation or house extension or for house repairs. Of Course, Lenders offer various housing loan products. Choose the right product based on your need. We are there to support with best suited product for you.

Documents required for housing loan of Government Employees:

Duly filled in loan application, passport size photograph, identity and address and income proofs and bank statements. Identity proof includes PAN, driving license, Voter id , rent agreement and passport. It also requires property papers. Income proof includes Form 16, Income tax proof and last 6 months bank statements. It also includes loan statement availed if any.

Find the Best Personal Loan Consultants for Employees working in Govt Sectors

Most of the bank need NOC from government organization for applying housing loans. Many government organization have tie-up with banks for housing loan of its employees. Those tie-ups will have better interest rates and offers. Find the Best Personal Loan Consultants for Government Employees.

Eligibility Criteria for Home Loan:

CIBIL Score:

As you are aware like any other loan, banks takes CIBIL report and check for your credit health. Banks take application generally when the CIBIL score is above 700. By all means, Please visit our article on CIBIL score to know more about the credit score and tips on improving it. Once CIBIL score is satisfactory, bank proceeds further for other parameters.

Other Parameters:

Other parameters are Age, Income, Repayment Capacity and Property Papers. Generally, minimum age for applying loan is 23 years. Based on your monthly income, monthly expenses and other loan EMIs, if any bank decides loan amount. Bank verify Property papers. This includes sale agreement, construction agreement, previous year title deeds and Encumbrance Certificate.

Bank officials visit the property before approving the loan. Once the loan is approved, bank keeps the sale deed under their custody. They hand over the sale deed only after closure of housing loan. Always housing loan is a secured loan.

Consider all the points discussed before taking housing loan. Most of all, We are always there to help you with all support for approving your housing loan for Government Employees.

April 27, 2020May 20, 2020

Personal Loan for Salaried Employees

Contact Top Bank Loan Consultants to avail the best Personal Loan offers for Salaried Employees

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How to get a Personal Loan for Salaried Employees ?

S & P Bank Loan Services indeed offer the best Consultancy services to get all in all personal Loans for salaried employees in Chennai, Tamil Nadu, India.

Need for a personal loan for salaried employees:

Person working with any organization, will earn a fixed amount as salary. Most of the organizations offer yearly bonus and incentives. In fact, Cash inflow is almost fixed for the whole year for any salaried employees.

How to meet up cash crunch, emergency situation, unplanned expenditure?
How to arrange funds for vacation trips, debt consolidation or credit card payment?

Firstly, Personal loan comes for rescue to salaried employee. Not only bank offer personal loans, NBFCs and digital lenders also offer personal loans.

Features of Personal Loan for salaried employees:

Many lenders offer personal with no physical documents, quick approval and instant disbursal. Moreover, No guarantor and co-borrower required for a personal loan. Meanwhile, No collateral required for personal loans. Of course, Pre-approved loan for existing customers. By all means, It can be used only for legal purposes. In other Words, No need to visit the branch. In the same fashion, No restriction on end use of funds.

Interest rates on personal loans are comparatively less than credit card interest rates. On the same way, Only processing fees is paid to bank and no other hidden charges. Based on your repayment capacity, you can get more than one personal loans.

Eligible Criteria for Personal Loan:

Main criteria for personal loan is age, income earning capacity and repayment capacity. In the same token, For salaried person, income earning its always satisfied one. In the same fashion, Age and income eligibility varies from bank to bank.

General Age criteria for individuals to apply for personal loan is between 21 years to 55 years. Minimum income eligibility is Rs.20000/- per month. Repayment capacity denotes with the net income earned how much you can pay for personal loan applied. Lenders generally fix 50% EMI ratio on net income towards personal loans.

If you have other loans like car loan and housing loans, all needs to be considered to arrive at eligibility. We at S & P Bank Loan Consultants, help you with arriving you the personal eligibility. Key Documents to submit are duly filled in application, PAN card, driving license / passport / Aadhar, Salary slips, Form 16 and ITR.

Interest Rates and Offers:

Every bank has different personal loan products for salaried employees. Interest rate for all loans vary from 10.5 % to 20% across banks. Minimum loan amount starts from Rs. 1000 and maximum loan amount is Rs. 25 Processing fees ranges from 1% to 6% of loan amount. GST is applicable on processing fees.

Best banks for availing personal loans

Kotak Bank, SBI, Citibank, Bank of Baroda, IDFC First Bank, PNB, HDFC Bank, are few of the best banks for availing personal loans based on their competitive Rate of interest.

Tips for improving chances of getting a Personal loan for salaried employees:

Check the Credit Score:

First step to apply loan is take CIBIL report. Check for the CIBIL score. If the CIBIL score is above 700, proceed for applying loan. If the CIBIL score is below 700, take steps for improving CIBIL score. Do not apply loan in the wait period of improving score. Take list of all loans / credit cards which are due in CIBIL report and pay it off.

Then write to the particular bank to update their records. If you want support in improving your credit score, we can help you out at S & P Bank Loan Services, If you can’t wait for improving credit score, search for lenders who offers loans for low score with high interest rate. The Best Loan Consultants in our office can also support you in this.

Avoid Multiple Applications:

Do not apply personal loan within a period of 6 months. Avoid multiple loan applications within short time. As each credit enquiry gets reflected in CIBIL report, CIBIL score will reduce for enquiries.

Best suited Personal Loan Product:

Select right personal loan products suitable for you. Compare the loan amount offered, interest rates, processing fees, loan tenure, pre closure charges and other fees. In Summary, We at S & P Bank Loan Services can also help you with choosing the right product for salaried employees.

Be Honest:

Provide correct information to lenders. As they verify the information before processing the loan. In Addition, Incorrect information may lead to rejection of loan.

Job Stability:

Working in same organisation for more than 3 years which will increase your chance of getting loan.

Repayment Capacity:

Apply for a loan based on repayment capacity. If you apply for higher amount than eligible, there are chances for getting the loan rejected. Finally, You can check in personal loan eligibility calculator in internet and apply for loan.

Contact Top Bank Loan Consultants to avail the best Personal Loan offers for Salaried Employees

Write to our Bank Loan Consultants. Contact us for any doubts on personal loan for salaried employees.

April 25, 2020May 20, 2020

How to apply for a Personal Loan ?

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Apply Personal Loan for turning dreams into Reality Today

Now a days, you can get personal loan in hours. Personal Loan is unsecured loan for any immediate cash requirements. Person loan can be taken for any purpose too. Banks approves loan based on age, income, CIBIL score and employment. Bank does not look at the purpose of personal loan. Apply Personal Loan for turning dreams into Reality.

Personal Loan – Immediate fund raiser.

Let it be Child education, Marriage, buying gadgets, medical emergency, or other needs. vacation trips, unplanned expense Covid-19 lock down situation and anything else. Personal Loan is your instant fund raiser. Let us discuss how to apply for a personal loan for various types of applicants.

Personal Loan Agency

Each bank has its exclusive area wise personal loan toll free number to close customer queries. Also to support with all essential steps for approval of term loans. Most of the banks / financial institution have their call centre / toll free no. for Chennai. You can contact the numbers for resolving the queries.

Personal Loan for Salaried Employees

Salaried people get a fixed cash inflow every month. To meet unplanned and emergency situation, personal loan helps. Personal loan for salaried employees include people working in private or govt concerns. Salaried employees has more offers and concessional interest/fees in personal loans. Compared to self-employed professionals/owners.

Personal Loan for Government Employees

Govt staff personal loans covers employees of Public Sector of Central, State & Local Bodies. All banks have separate loan product for personal loan for govt employees. Few banks offer separate loan product for govt pensioners. Here loan amount depends on pension income.

Personal Loan for private employees

How can you avail personal loans if you are a Pvt Firm Staff ?. Who is a Pvt firm employee ?. Private employees include who working in MNC, Private Ltd Companies MSME & proprietor firms. Banks have special product for private company employees. Some companies and bank provide personal loan with best offers.

Personal Loan for Self Employed Professionals

Who are all Professional ?. In fact, Bank classifies them as follows

Doctors
Dentists
Practicing Chartered Accountant
Practicing Company secretaries
Advocates
Architects,
consultants ,
Interior designers

Most of all, These people are classified as self-employed professionals. By all means, Banks has a special loan product for this category too.

Personal Loan for Self Employed Owners

For instance, Self Employed owners who are not salaried. By the way, They earn income through their own incorporated entities. On the other hand, They can be into manufacturing, trading and service firms. In the same way, Separate loan products available for this category too.

Documents required for Personal loan

Whats are the Documents in need ?. They are as follows

Signed loan application,

KYC document,
Last 3 months bank statement,
Last 6 month bank passbook.
Latest salary slip,
Latest form 16.
Identity proof includes PAN card/Voter id / Aadhar Card/Passport/Driving License.

Bank may need one or two documents for identity proof. Self-employed professionals and owners submit income tax returns and financial statements. They will always not need salary slip and Form 16.

Sanctioning Process

Once you submit the documents, banks checks for credit health of borrower via CIBIL score. As you are aware, if you have CIBIL score above 700, your application is further processed. If you’re CIBIL score is Low and below 700, please refer our article Tips to improve CIBIL score furthermore. After Credit health, bank checks for authenticity of all documents submitted in the mean time.

Personal Loans for the emergency fund requirements

Based on salary/ income earned, loan amount is fixed. Even More, With the advent of technology, banks allow you to submit scanned documents . Without visting the branch, you can get the loan from your place. In Covid- 19 issues, many lenders offer personal loans to face the emergency fund whenever you need. Stay home and arrange funds in hours through personal loan.

Contact Top Bank Loan Consultants to Apply Personal Loan

Firstly, You have to select the loan product based on your employment. say Govt employee, Private employee, self-employed professionals or self-employed owners. In addition, Specific loan category provides more offers to your need. You should also be careful in choosing your product. We are also here to support you with all types’ doubts with regards to your personal loan. Contact Top Bank Loan Consultants to Apply Personal Loan.

April 11, 2020May 20, 2020

Personal Loan with Low CIBIL score

Find Top Bank Loan Consultants for Low Cibil Score

Do you have plans to borrow personal loans? But you are stuck up with Low CIBIL score ? No worries. One can get Personal loan with Low CIBIL score too.

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How to get Personal Loan with Low CIBIL score ?

“Personal loans give you a ray of hope in your life”

Criteria for personal loan eligibility

It is true that many banks do not encourage borrowers with low CIBIL score. But CIBIL score alone is not the single criteria for personal loan eligibility. It depends on various other factors. It may be like funding amount, rate of interest, tenure and other terms.

How CIBIL score can impact personal loan approval ?

Many borrowers do not know what is a personal loan & what is a CIBIL score. They are not aware about how CIBIL score can impact their personal loan approval. In the following write-up we help you understand the same in simple common man language.

Personal loan – no security finance offered by banks and NBFCs

Let’s come to the first question what is a personal loan. Personal loan is no security finance offered by banks and NBFCs. No asset is necessary as collateral for borrowing personal loan. It varies on the loan amount from bank to bank. The borrower has to make the repayment with interest over the agreed period. Personal loans get expedited within no time with least loan formalities.

no collateral or guarantor, personal loan smart finance option

When you need fast money with no collateral or guarantor, personal loan is a smart finance option. Borrow personal loans for any of your personal reasons. It may be medical surgery, kids school admission or family emergency. Be it any kind of emergency or personal needs, borrow personal loan.

Personal loan with low interest

Go for personal loan when you have desperate needs of finance. When have no time to visit banks or lenders and do paperwork, Get personal loan. Opt for personal loan with low interest when you have no assets with you to pledge as loan security.

CIBIL Score for Financial credibility.

Coming to the next question, What is a CIBIL Score? CIBIL score is the credit rating of a borrower. It is like how a person’s height gets measured in inches, feet or centimetres. Credit info companies assess borrower to derive their financial credibility. They give credit score. Many banks and NBFC in India depend on CIBIL score or points.

importance of CIBIL score in Banks and financial institutions

CIBIL score is the Credit score evaluated by Transunion CIBIL Limited. CIBIL Score gets determined based on various factors. It indicates the credit worthiness of a borrower. Banks and financial institutions give more importance to the CIBIL score. This credit score helps banks & lenders to assess the risk involved in loan recovery.

CIBIL score is a three digit number. It can be between 300 and 900. Credit score above 700 in general known to be good. It varies from bank to bank.

Are CIBIL score and Credit score same?

Many people think Credit score and CIBIL score are same. To some extent it is right. Both the scores reflect the financial credit worthiness of a borrower. But CIBIL score is from Transunion CIBIL Limited. But credit score is from other credit info companies. For example Equifax, Experian & High Mark provide credit score. CIBIL score is one of credit score ratings too. These companies have their unique credit rating systems. They have unique pointing system to determine financial credibility.

How CIBIL score can impact personal loan approval ?

CIBIL score is one of the important factor to get your loan approval. It is like how a person in evaluated for a job based on his technical, communication and other skills. Lenders analyse loan application based on loan amount, credit score, income and collateral.

Less risk involved in loan recovery

High CIBIL score indicates there is less risk involved in loan recovery. A Lesser CIBIL score indicates that there are more risk involved in loan recovery from the borrower. A good Credit score helps you to get huge funding at low rates with no collateral and fast money in your account.

Some banks prefer clients with high credit score. But many banks are ready to offer personal loans with low credit score too. But this comes with a price. They may charge more interest rates with extra charges or fees. The loan terms vary due to low credit score

How to get personal loan with low CIBIL score in Chennai ?

It is common that lenders check last 6 months credit score of a loan applicant. They prefer to have a client with good credit score. But there are some banks who do not give too much weight-age to credit score. But this may cost you more. S & P Bank Loan Services offer the best Personal Loan with Poor Cibil Score in Chennai, India.

Simple and easy personal loan with low CIBIL score

Getting personal loan with low CIBIL score is simple and easy with S & P bank loan consultants. Based on your personal loan eligibility we can enlist loan options and products. We have connections with leading banks and financial institutions. Our loan consultants are professional Advocates, Chartered accountants and finance experts.

Loan processing support

S & P bank loan consultants can offer you end to end loan processing support. Top Personal Loan Consultants go the extra mile to help you understand various loan offers. We recommend and advice you to choose the loan option based on your cash flow. Our consultants have decades of experience in handling loan products. We have served all kinds of clients across various industrial sectors.

Eligibility for personal loan for low credit score

The basic factors to apply for personal loan are – applicant’s age should be above 21 years and below 60 years. They can be salary staff or self employed person. Monthly income at least above Rs. 25000. EMI repayment with interest has to be at least 65% of income. Credit score and credit report if available.

Personal loan proposals based on your eligibility

The eligibility for personal score varies from bank to bank. We can match you with many loan proposals based on your eligibility.

In case of low credit score, do not worry. S & P bank loan consultants can guide you through every step of the way. Get in touch with us to check your personal loan eligibility

Documents for personal loan for low credit score

The documents necessary for personal loan approval differ from one bank to another. The following documents are handy when seeking personal loan with low credit score

PAN Card
Aadhar card
Identity proof.- Any one- PAN/Aadhar. / Passport/ others
Address proof- any one – Passport./ Driving Licence./ Voter ID or others
Income Proof- Latest 6 months salary slips for salaried staff or IT Returns for self employed

Which is the best personal loan with low credit score?

When choosing the best personal loan you need to consider few points. Your lender should be allow flexibility to choose right loan options . He must guide you through EMI and loan tenure. The bank that offers quick and fast funds is much preferable. You need to take loan cost also into account.

Loan interest rates, processing charges or other fees

The loan cost can be interest rates, processing charges or other fees. The total loan cost should be low for the offer at your hand. Collateral should be a constraint for personal loan. You need to have a good customer support system with your lender. Moreover, He should be able to offer tailored loans based on your needs.

Moreover you credit score should not have too much power on the loan offer too. As many NBFC do not consider credit score for personal loans.

The bank /NBFC that have loan offers with above features is the best personal loan with Poor credit score.

Best Bank Loan Consultants for Quick and fast loan processing

S & P bank loan consultants provide best personal loan for low credit score. In fact, We offer flexibility to our clients to choose loan options. Our qualified and experienced consultants are ever ready to guide you. The Best Finance Consultants help you get low rate loans with competitive terms suitable for you. Quick and fast loan processing is our specialty in Chennai, India. Top Personal Loan Consultants help you to get tailored loan proposals to suit your needs better.

For more info, please get in touch with our loan consultants today.

Loan Consultation in the following areas are available

North Chennai	Karambakkam	Kanathur	Erukanchery
Manali new town	Vadapalani	Muttukadu	Broadway
Kodungaiyur East	Saligramam	Kelambakkam	Ponneri
Kodungaiyur West	Shakthi Nagar	Kovalam	Athipattu
Madhavaram	Sri Iyyappa Nagar	Siruseri	Coimbatore
Madhavaram Milk Colony	Virugambakkam	Jamalia	Sholavaram
Mathur MMDA	Alwarthirunagar	Kallikuppam	Minjur
Puzhal	Valasaravakkam	Pattabiram	Red Hills
Moolakadai	Thirunindravur	Kosapet	Ennore
Kolathur	Thirumangalam	West Chennai	Avadi
Parry’s Corner	Thirumullaivayal	Alapakkam	Kodambakkam
Royapuram	Thiruverkadu	Anna Nagar	Thirunindravur
Villivakkam	Nandambakkam	Annanur	Iyyappanthangal
Perambur	Nerkundrum	Agathiyar Nagar	Kattupakkam
Korukkupet	Nesapakkam	Ambattur	Poonamallee
Tiruvottiyur	Nolambur	Bhuvaneshwari Nagar	Thirumazhisai
Vyasarpadi	Ramapuram	Chinmaya Nagar	Thiruvallur
Manali	Mugalivakkam	C.M.D.A Colony	Pallavaram
Tondiarpet	Mangadu	Defence Colony	Pozhichalur
Vallalar Nagar	M.G.R Nagar	Padi	Anakaputhur
Ennore	M.G.R Garden	Ayappakkam.	Pammal
Old Washermenpet	Pallavan Nagar	Thiruvallur	Kundrathur
Kavangarai	Porur	Arakkonam	Mangadu
New Washermenpet	Poonamallee	Korattur	Chrompet
Korukkupet	Moulivakkam	Mogappair East	Thiruneermalai
Mannadi	MMDA Colony	Mogappair West	Keelkattalai
George Town	South Chennai	Arumbakkam	Chitlapakkam
Seven Wells	East Chennai	Avadi	Tambaram
Basin Bridge	Mylapore	Pudur	Selaiyur
Sowcarpet	Perungudi	Maduravoyal	Madambakkam
Park Town	Sholinganallur	Koyambedu	Medavakkam
Periametu	Alandur	Ashok Nagar	Sithalapakkam
Choolai	Adyar	KK Nagar	Kovilambakkam
Veppery	Besant Nagar	KK Nagar West	Nanmangalam
Pattalam	Triplicane	KK Nagar East	Karapakkam
Pulinanthope	T. Nagar	Oragadam	Pallavaram
M.K.B Nagar	Thiruvanmiyur	Ayapakkam	Tambaram
Sharma Nagar	Saidapet	Pattravakkam	Perungalathur
Selavoyal	Guindy	Thirumullaivoyal north	Palavanthangal
Edapalayam	Madipakkam	Avadi north	Peerkankaranai
MAnjambakkam	Nanganallur	Redhills	Mudichur
Ponniammanmedu	Velachery	Ajax	Vandalur
Sembiam	Taramani	Kathivakkam	Kolappakkam
T.V.K Nagar	Pallikaranai	Ernavur	Kandigai
ICF Colony north	Keelkattalai	WIMCO	Mambakkam
Central	Kovilambakkam	Sathangadu	Pudhupakkam
Padi	Thoraipakkam	Rajakadai	Palavakkam
Korattur	Neelankarai	Kadambakkam	Varadharajapuram
Lakshmi puram	Injambakkam	Kathirvedu	Medavakkam
Ambattur north	Chromepet	Moolakothiram	Pazhaverkadu

April 10, 2020April 17, 2024

Personal Loan for Software Company Employees: How to get?

Are you planning to take out a Personal loan? If so, are you an employee of TCS, Infosys, Cognizant, or any other IT giant? Well, if you’re working for a software company, getting a Personal loan is simple and easy. All you need to do is to get in touch with us by a call or text. You’ll have the money in your account within a few hours or a couple of days maximum.

Table of Contents

Personal loans to private company employees

Many public sector banks do not encourage personal loans to private company employees. Non-listed company employees struggle to get personal loans during their hour of need. It is a different story when you are software company employee.

Top notch banks & NBFC are competing with each other. They want to attract a software company employee client.
They provide special offers and discounts on loan products and services.

Does Employers status affect getting Personal Loan?

The status of your employer plays a crucial role in personal loan approval. It’s widely recognized that personal loans are among the most popular forms of unsecured loans. Since there’s no collateral involved, lenders naturally have more concerns about loan repayment. Therefore, the stability of your employer’s company and your income are of utmost importance for ensuring successful loan recovery.

Personal loan to premium level companies at low interest rates

Employers are classified by Banks and NBFCs into various levels, based on factors such as stability, stock listing, and others. Software companies typically fall under the Premium level of classification. Banks tend to offer personal loans to premium level companies at lower interest rates. Additionally, they take into account the eligibility of applicants.

Financial services industry

Working with Software Company has got its own perks. Five days a week work, good pay check and other benefits.
To top it all, software companies cast good image with financial services industry.

Why software employees are special to Financial Industry ?

Being a software employee is considered a white-collar job, and working with a software company is a matter of pride. Moreover, you establish a positive image within the financial industry by being associated with an IT company. In the realm of software companies, employees are regarded as invaluable assets. These companies spare no effort in ensuring the happiness of their employees, prioritizing employee morale above all else. The attractive paycheck and the five-day work week serve as great attractions as well. Furthermore, these companies prioritize maintaining a healthy work-life balance for their employees.

Software company benefits

Most of the software companies have great stability. Moreover, They are top listed companies on the stock market. Of course, This ensures that the software company is in for the long haul. Finally, Their workers may want to stay with the organization for various company benefits.

With steady income the workers may not default loan repayment.

How to get personal loan for software company employee?

As a software employee, obtaining a personal loan has become quite easy these days. Simply provide us with the details of your company name, city, income, experience, and desired loan amount. Our S & P loan consultants will then contact you with multiple loan offers based on your eligibility. From there, you can select the best deal that suits your needs.

What are the benefits of personal loan for a software company employee?

Software employees enjoy a multitude of benefits on the work front, including good work-life balance, a positive work culture, and more. Moreover, financial institutions hold software companies in high regard, considering their substantial net worth, often running into billions. Recognizing employees as their most valuable assets, software companies are reciprocated with special loan privileges from financial institutions.

A software employee gets the following benefits of personal loan

Low rates. –
Convenient tenure. –
Huge funds-
Quick approval and disbursal.
Least paperwork

Low rates

Software employees get low rate of interest for personal loan. It is less than the normal rates trending in the market

Convenient tenure

These staff gets to make loan repayments through easy EMIs convenient to them. S & P bank loan services can support you with managing EMIs up to loan closure with no extra penny.

Huge funds

Software staff can avail of significant finance, up to 20 lakhs, as a personal loan. However, the loan amount may vary from bank to bank, depending on eligibility and other factors. With S & P bank loan services, we assist you in securing more funding at low interest rates and with additional perks.

Quick approval and disbursal

Your loan processing, approval and disbursal can happen within few hours to a couple of days max. When time is critical factor of finance, S & P bank loan services can help you get money fast.

Least paperwork

Software employees need not have to go through task of submitting various proofs. They need not fill various forms. S & P loan consultants can handle the job for you.

What is the rate of interest for personal loan for software company employees?

Many banks and NBFC are paying attention to software company employees. Furthermore, They provide attractive personal loan offers. The rate of interest for personal loan for software company workers range between 10.5% to 15%. It varies from bank and bank. It also depends on other factors like loan amount, tenure and eligibility. Some even consider credit score and history as it is no collateral loan.

What are the documents and details necessary for personal loan for software Company employees ?

A copy of Company ID
PAN card
Address proof- any one with present address – utility bill/rent agreement/Passport
Aadhar
Last 6 months salary slips
Last IT returns filed or Form 16
Other documents

In case you need any clarifications our S & P loan consultants are ever ready to support you.

Software company employees’ eligibility for personal loan

The criterion for personal loan eligibility varies from bank to bank for software-staff

Age of the employee has to be 23 years – 58 years
Least monthly income must be above Rs. 17000 for tier 2 cities and Rs,25000 for tier 1 cities
Credit score above 750
Loan amount up to Rs. 20 Lakhs

Loan approval depends on various add on fees like processing fees and others too. The following are some of the fees applicable for personal loan

Processing fees
Foreclosure fees
Delay charges

Processing fees

It is the fees charged by the lender to assess your loan application. In fact, Some banks waive off this amount based on loan amount and employer

Foreclosure fees

The bank charges this fees when a borrower wishes to repay the loan early than the agreed period.

Delay charges

Some borrowers may pay the EMIs late. Under such case, the bank charges delay charges along with EMI repayments.

S & P Personal Loan advisers for Software Company

We understand that a borrower is always anxious when applying for personal loan. Do not worry. Our S & P Loan advisers are right here to guide you through your loan journey. Finally, We ensure you have a pleasant loan experience for years to come.

Personal Loan Consultation is available for the following areas

North Chennai	Karambakkam	Kanathur	Erukanchery
Manali new town	Vadapalani	Muttukadu	Broadway
Kodungaiyur East	Saligramam	Kelambakkam	Ponneri
Kodungaiyur West	Shakthi Nagar	Kovalam	Athipattu
Madhavaram	Sri Iyyappa Nagar	Siruseri	Coimbatore
Madhavaram Milk Colony	Virugambakkam	Jamalia	Sholavaram
Mathur MMDA	Alwarthirunagar	Kallikuppam	Minjur
Puzhal	Valasaravakkam	Pattabiram	Red Hills
Moolakadai	Thirunindravur	Kosapet	Ennore
Kolathur	Thirumangalam	West Chennai	Avadi
Parry’s Corner	Thirumullaivayal	Alapakkam	Kodambakkam
Royapuram	Thiruverkadu	Anna Nagar	Thirunindravur
Villivakkam	Nandambakkam	Annanur	Iyyappanthangal
Perambur	Nerkundrum	Agathiyar Nagar	Kattupakkam
Korukkupet	Nesapakkam	Ambattur	Poonamallee
Tiruvottiyur	Nolambur	Bhuvaneshwari Nagar	Thirumazhisai
Vyasarpadi	Ramapuram	Chinmaya Nagar	Thiruvallur
Manali	Mugalivakkam	C.M.D.A Colony	Pallavaram
Tondiarpet	Mangadu	Defence Colony	Pozhichalur
Vallalar Nagar	M.G.R Nagar	Padi	Anakaputhur
Ennore	M.G.R Garden	Ayappakkam.	Pammal
Old Washermenpet	Pallavan Nagar	Thiruvallur	Kundrathur
Kavangarai	Porur	Arakkonam	Mangadu
New Washermenpet	Poonamallee	Korattur	Chrompet
Korukkupet	Moulivakkam	Mogappair East	Thiruneermalai
Mannadi	MMDA Colony	Mogappair West	Keelkattalai
George Town	South Chennai	Arumbakkam	Chitlapakkam
Seven Wells	East Chennai	Avadi	Tambaram
Basin Bridge	Mylapore	Pudur	Selaiyur
Sowcarpet	Perungudi	Maduravoyal	Madambakkam
Park Town	Sholinganallur	Koyambedu	Medavakkam
Periametu	Alandur	Ashok Nagar	Sithalapakkam
Choolai	Adyar	KK Nagar	Kovilambakkam
Veppery	Besant Nagar	KK Nagar West	Nanmangalam
Pattalam	Triplicane	KK Nagar East	Karapakkam
Pulinanthope	T. Nagar	Oragadam	Pallavaram
M.K.B Nagar	Thiruvanmiyur	Ayapakkam	Tambaram
Sharma Nagar	Saidapet	Pattravakkam	Perungalathur
Selavoyal	Guindy	Thirumullaivoyal north	Palavanthangal
Edapalayam	Madipakkam	Avadi north	Peerkankaranai
MAnjambakkam	Nanganallur	Redhills	Mudichur
Ponniammanmedu	Velachery	Ajax	Vandalur
Sembiam	Taramani	Kathivakkam	Kolappakkam
T.V.K Nagar	Pallikaranai	Ernavur	Kandigai
ICF Colony north	Keelkattalai	WIMCO	Mambakkam
Central	Kovilambakkam	Sathangadu	Pudhupakkam
Padi	Thoraipakkam	Rajakadai	Palavakkam
Korattur	Neelankarai	Kadambakkam	Varadharajapuram
Lakshmi puram	Injambakkam	Kathirvedu	Medavakkam
Ambattur north	Chromepet	Moolakothiram	Pazhaverkadu

April 3, 2020May 20, 2020

Personal Loan Benefits

Find the Best Finance Consultants to get Quick Personal Loan : Bank Loans

Table of Contents

What are all the Benefits of Personal Loan in India ?.

Personal Loans have become the talk of the town these days due to easy accessibility. One can make use of personal Loans for personal or business needs.

Best Personal Loan Consultants

Personal Loans are popular form of unsecured Loans. No collateral is necessary for Personal Loan approval and disbursal. Contact S & P Bank Loan Services for the best offer for all types of Loans in Chennai. Find the Best Personal Loan Consultants in Chennai.

Need of urgent funds to meet emergency expenses

In case you are in need of urgent funds to meet emergency expenses, Personal Loan is good choice. It has simple documentation and Loan Approval process. Personal Loans are security free Loans.

Easy Loan for person of salaried class or business class

You may be a person of salaried class or business class, expenses pop out of nowhere when you least expect them. Your savings may not enough or inaccessible for time being. In such cases getting a personal Loan is a smart choice.

Attractive Personal Loans of Banks & NBFCs

Banks & NBFCs offer attractive Personal Loans. They come at low interest rates to an applicant with good credit score. You may have continuous 6 month employment with decent credit history. Then you are eligible for Personal Loan. You can get Finance credit at low interest with no collateral. Your repayment tenure can be 4 – 5 years down the line

Fixed interest rates for personal loan

Borrowing personal has host of benefits. PERSONAL LOANS get approved very fast. You can borrow utmost credit finance through Personal Loan. EMIs remain the same as the interest rates remain fixed. The interest rates are lesser than credit cards. Some banks cater to applicants with less credit score too. They are versatile Loans that one can make use of any personal or business purposes. It is good for debt consolidation.

Personal Loan can help you improve credit score when you repay on time and in full. They are your emergency backup of funds which you can safe to rely on.

PERSONAL LOAN FOR MEDICAL EXPENSES

You never know when your health or the health of your loved ones need immediate medical attention. You may be wise to take out a medical insurance earlier. But medical insurance does not approve full amount of your medical expenses. They may disallow few medical expenses. Medical insurance does not cover all types of ailments or medical procedures. They do not include pre hospitalization and post hospitalization expenses.

A person who underwent hospitalization may incur expenses prior treatment and post treatment. Thus when one faces money challenges for medical treatments. , Personal Loan for medical expenses is a wise choice.

Popular insurance companies support only Allopathy or English medicine treatments. But Medical Loans could be for any other type of medicine treatments. It can be like Varma, Ayurveda or any other ailments too.

PERSONAL LOAN FOR EDUCATION

Education is a ray of hope for a better life. A good education lays good foundation for a success employment and career. One can enjoy good standard of living through great career. But education is not cheap in reputed institutes. You may have good grades. But sometimes you may not qualify for an Education Loan. Some banks may not approve Loans for certain courses ,universities or institutes.

In other cases Education Loan may not cover all expenses during your studies. Parents never leave a stone un-turned when it comes to their child’s Education. You or your kids planning to study may miss out a full academic year when you do not have funds for education. Under such scenario Education Loan is a good choice. Take up your dream education and repay with monthly EMIs at best interest rates.

PERSONAL LOAN FOR EMERGENCY

Life is unpredictable. There may be out of the blue expenses, medical emergencies or cash shortages in one’s life. These are the most dreaded problems of one’s life. At one time or other many people face these scenarios. Securing funds can be at times difficult for the borrower. Under such case borrowing Finance for emergency is a smart move.

Find the Best Finance Consultants to get Quick Personal Loan

Personal Loans for emergencies do not need collateral. They have low interest rates than credit cards. The can be repaid with fixed EMIs. You get funds quick and fast.

Top Personal Loan Consultants in Chennai

There is no fixed amount of finance range for emergency Personal Finance. This Loan market is under regulation of SBI and RBI. Hence you are safe to borrow Personal Loans for emergency needs.

Loan Consultancy areas Served

North Chennai	Karambakkam	Kanathur	Erukanchery
Manali new town	Vadapalani	Muttukadu	Broadway
Kodungaiyur East	Saligramam	Kelambakkam	Ponneri
Kodungaiyur West	Shakthi Nagar	Kovalam	Athipattu
Madhavaram	Sri Iyyappa Nagar	Siruseri	Coimbatore
Madhavaram Milk Colony	Virugambakkam	Jamalia	Sholavaram
Mathur MMDA	Alwarthirunagar	Kallikuppam	Minjur
Puzhal	Valasaravakkam	Pattabiram	Red Hills
Moolakadai	Thirunindravur	Kosapet	Ennore
Kolathur	Thirumangalam	West Chennai	Avadi
Parry’s Corner	Thirumullaivayal	Alapakkam	Kodambakkam
Royapuram	Thiruverkadu	Anna Nagar	Thirunindravur
Villivakkam	Nandambakkam	Annanur	Iyyappanthangal
Perambur	Nerkundrum	Agathiyar Nagar	Kattupakkam
Korukkupet	Nesapakkam	Ambattur	Poonamallee
Tiruvottiyur	Nolambur	Bhuvaneshwari Nagar	Thirumazhisai
Vyasarpadi	Ramapuram	Chinmaya Nagar	Thiruvallur
Manali	Mugalivakkam	C.M.D.A Colony	Pallavaram
Tondiarpet	Mangadu	Defence Colony	Pozhichalur
Vallalar Nagar	M.G.R Nagar	Padi	Anakaputhur
Ennore	M.G.R Garden	Ayappakkam.	Pammal
Old Washermenpet	Pallavan Nagar	Thiruvallur	Kundrathur
Kavangarai	Porur	Arakkonam	Mangadu
New Washermenpet	Poonamallee	Korattur	Chrompet
Korukkupet	Moulivakkam	Mogappair East	Thiruneermalai
Mannadi	MMDA Colony	Mogappair West	Keelkattalai
George Town	South Chennai	Arumbakkam	Chitlapakkam
Seven Wells	East Chennai	Avadi	Tambaram
Basin Bridge	Mylapore	Pudur	Selaiyur
Sowcarpet	Perungudi	Maduravoyal	Madambakkam
Park Town	Sholinganallur	Koyambedu	Medavakkam
Periametu	Alandur	Ashok Nagar	Sithalapakkam
Choolai	Adyar	KK Nagar	Kovilambakkam
Veppery	Besant Nagar	KK Nagar West	Nanmangalam
Pattalam	Triplicane	KK Nagar East	Karapakkam
Pulinanthope	T. Nagar	Oragadam	Pallavaram
M.K.B Nagar	Thiruvanmiyur	Ayapakkam	Tambaram
Sharma Nagar	Saidapet	Pattravakkam	Perungalathur
Selavoyal	Guindy	Thirumullaivoyal north	Palavanthangal
Edapalayam	Madipakkam	Avadi north	Peerkankaranai
MAnjambakkam	Nanganallur	Redhills	Mudichur
Ponniammanmedu	Velachery	Ajax	Vandalur
Sembiam	Taramani	Kathivakkam	Kolappakkam
T.V.K Nagar	Pallikaranai	Ernavur	Kandigai
ICF Colony north	Keelkattalai	WIMCO	Mambakkam
Central	Kovilambakkam	Sathangadu	Pudhupakkam
Padi	Thoraipakkam	Rajakadai	Palavakkam
Korattur	Neelankarai	Kadambakkam	Varadharajapuram
Lakshmi puram	Injambakkam	Kathirvedu	Medavakkam
Ambattur north	Chromepet	Moolakothiram	Pazhaverkadu