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Easy To Apply
Our Protection Based Loans
Personal Loans
No Collateral Needed
Get a loan without requiring any collateral or security and with minimal documentation.
Predictable Monthly Payments
Enjoy fixed interest rates and predictable monthly payments that help you plan your budget and finances
accordingly.
Quick Disbursal
Get the loan amount quickly, usually within 24 hours of approval, making it ideal for emergencies. |
Flexible Repayment Tenure
Enjoy flexible repayment tenure options, ranging up to 7 years, allowing you to choose a repayment plan that
suits your financial situation and needs.
Increase Eligibility
Combine your income with that of a co-applicant to increase your eligibility and secure a higher loan amount.
Quick and easy Personal loans for all your goals
Electricity bill payment
Wedding
Debt consolidation
Vacation
Home renovation
Documents Needed
- Proof of Identity (Aadhaar / Passport / PAN)
- Proof of Address (Utility Bill / Passport / Rental Agreement)
- Income Proof (Salary Slip / IT Returns / Bank Statement)
- Property Documents (for LAP / LAS applications)
- Business Documents (for SME / Corporate applications)
- Passport-Size Photographs (2 Copies)
- Nominee Identification Documents
Eligibility Criteria
- Nationality :- Indian citizen
- Age :- 21 years to 60 years
- CIBIL Score :- 750 or higher
- Employment:- Salaried
Personal Loan Fees and Charges
| Charge Type | Amount |
|---|---|
| Processing fees | Up to 4% of the loan sanctioned amount |
| Cheque Return charges | ₹1000 + GST per instance |
| Penal charges (charges levied for non-payment of overdue amount) | 3% p.m. (36% p.a.) on the overdue amount for the delayed period |
| Penal charges for non-compliance with material terms and conditions (covenants / stipulated conditions) mentioned in the Sanction Letter / Loan Agreement, wherever applicable | 2% p.a. on the outstanding loan amount till the date of compliance |
| Charges for cancellation of Loan | 4% of loan amount disbursed + applicable taxes |
| CIBIL report retrieval fees | Rs. 50 per instance for Consumer and Rs. 500 per instance for commercial CIBIL/Credit Report |
| Charge for Exchanging PDCs / ECS | ₹750 + GST per instance |
| Loan reschedule charges | ₹5000 + GST per instance |
| Stamp Duty | As per Actual if applicable |
| Insurance Premium | As per Actual if applicable |
| Pre – closure Quote | ₹1000 + GST per instance |
| Any other charges | As per Actual if applicable |
| Duplicate No Due Certificate issuance charges | Rs. 500 per instance |
| Foreclosure Charges | For Term Loan: Upto 4% of the principal outstanding amount For Flexi Loan: Upto 4% of the total withdrawable amount Conditions: Foreclosure is allowed only after 12 months from the date of disbursal of loan. |
| Part Pre-payment charges | For Term Loan: a) NIL charges – if part pre-payment is equal to 20% of principal outstanding amount b) Upto 4% on remaining loan amount – if part pre-payment is greater than 20% of principal outstanding amount Conditions: a) No pre-payment is allowed in first 12 months from the date of disbursement b) Part pre-payment amount should be equal to OR greater than total of 3 EMIs For Flexi Loan: a) No charges for payments through mobile app/portal. b) Part pre-payment of loan facility toward limit reduction is not available |
Vehicle Loans
Documents Needed
- Proof of Identity (Aadhaar / Passport / PAN / Driving License)
- Proof of Address (Utility Bill / Passport / Rental Agreement)
- Income Proof (Salary Slip / IT Returns / Bank Statement)
- Vehicle Documents (Proforma Invoice / Quotation / Valuation Report)
- Business Documents (for Self-Employed / Corporate applications)
- Passport-Size Photographs (2 Copies)
- Nominee Identification Documents
Eligibility Criteria
- Nationality :- Indian citizen
- Age :- 21 years to 65 years
- CIBIL Score :- 701 or higher
- Employment :- Salaried / Self-Employed
Vehicle Loan Fees and Charges
| Charge Type | Amount |
|---|---|
| Processing fees | Up to 2% of the loan amount (Min ₹3,500) |
| Cheque Return / Bounce charges | ₹500 - ₹1000 + GST per instance |
| Penal charges (for non-payment of overdue amount) | 3% p.m. (36% p.a.) on the overdue amount |
| Vehicle Valuation / Asset Verification Charges | ₹750 per case (Applicable for Used Car Loans) |
| Charges for cancellation of Loan | 4% of loan amount disbursed + applicable taxes |
| RTO Transfer / Registration Charges | As per Actuals (State specific) |
| Charge for Exchanging PDCs / ECS swap | ₹750 + GST per instance |
| Loan reschedule charges | ₹5000 + GST per instance |
| Stamp Duty | As per Actual if applicable |
| Duplicate No Due Certificate / NOC charges | Rs. 500 per instance |
| Foreclosure Charges |
For Term Loan: 5% - 6% of the principal outstanding amount depending on tenure completed. (Lock-in period of 6-12 months usually applies) |
| Part Pre-payment charges |
3% - 5% on the part payment amount. (Allowed only after 6-12 months; Max 25% of POS allowed per year) |
Gold Loans
Documents Needed
- Proof of Identity (Aadhaar / Passport / Voter ID / Driving License)
- Proof of Address (Utility Bill / Passport / Aadhaar)
- Passport-Size Photographs (2 Copies)
- PAN Card (Or Form 60 if PAN is unavailable)
- Proof of Agriculture Land (Optional – for Agri-Gold Loan interest rates)
- Nominee Identification Documents
Eligibility Criteria
- Nationality :- Indian citizen
- Age :- 21 years to 60 years
- CIBIL Score :- 750 or higher
- Employment:- Salaried
Gold Loans Fees and Charges
| Charge Type | Amount |
|---|---|
| Processing Fees | 0.50% - 1% of loan amount (Min ₹500 + GST) |
| Valuation Charges | ₹250 - ₹500 (As per actuals payable to appraiser) |
| Penal Interest (Overdue) | 2% p.a. over and above the applicable interest rate |
| Foreclosure Charges |
NIL (if closed after 3 months) (1% + GST if closed within 3 months of disbursement) |
| Part Pre-payment charges | NIL (Allowed anytime) |
| Renewal Charges | ₹350 + GST per instance |
| Auction Expenses / Notice Charges | As per Actuals (Recovery of legal/advertisement costs) |
| Stamp Duty | As per State Laws (Actuals) |
| Duplicate Pawn Ticket / NOC | ₹100 + GST per instance |
| Cheque / NACH Bounce Charges | ₹500 + GST per instance |
Important Note
Specific product features, benefits, premiums, returns, terms, and regulatory requirements are discussed directly with customers during consultation. Customers are encouraged to seek complete clarity before making any financial decision.
Get in Touch
To learn more about our Protection-Based Financial Solutions, please submit an enquiry through our contact page. Our team will be pleased to assist you.
Testimonials
Hear From Our Clients
Everest Finance made the loan process so simple and fast. Their team was patient and guided me every step of the way. Highly recommend for hassle-free financing!
Transparency is our moto
FAQ'S
What services does Everest Finance offer?
Everest Finance provides a wide range of financial services including personal loans, business loans, home loans, vehicle loans, wealth management, insurance solutions, corporate finance, and gold asset-backed loans. They also offer digital online services for easy applications and real-time tracking.
How can I apply for a loan or investment product with Everest Finance?
Applications can be submitted online through their secure platform with paperless document upload. The company provides quick processing and personalized advisory support throughout the application process. Contact details and a form are available on their website.
What are the key principles guiding Everest Finance?
The company operates on three core principles: Trust, Simplicity, and Growth. They emphasize transparency, personalized service, ethical practices, and leveraging digital innovations to simplify financial transactions and empower their clients.
Where is Everest Finance located and how can I contact them?
The company is headquartered near Mahila I.T.I. College, Patel Nagar, Bikaner, Rajasthan, India – 334001. You can contact them by phone at +91 9784562477 or +91 7728845478, and via email at everestfinance786@gmail.com