Bank Loan vs NBFC Loan – Kya Difference Hai? | Loansathi.in
Bank Loan vs NBFC Loan – Kya Difference Hai? | Loansathi.in
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Introduction
Loan lene ke options aaj ke time mein sirf banks tak limited nahi rahe. NBFCs (Non-Banking Financial Companies) bhi ek strong alternative ban chuke hain. Lekin aksar applicants confuse hote hain ki bank loan aur NBFC loan mein kya difference hai. Is blog mein hum dono ke features compare karenge aur samjhenge ki kaunsa option aapke liye better hai.
Bank Loan Kya Hota Hai?
Banks directly RBI regulated financial institutions hote hain jo savings, deposits, loans aur credit facilities provide karte hain. Loan approve karne ke liye unka process strict hota hai aur eligibility criteria high hota hai.
NBFC Loan Kya Hota Hai?
NBFCs registered companies hoti hain jo banks ki tarah deposits accept nahi karti lekin loans aur financial products provide karti hain. Inka process flexible hota hai aur low CIBIL applicants ke liye bhi options available hote hain.
Bank Loan vs NBFC Loan – Key Differences
| Feature | Bank Loan | NBFC Loan |
|---|---|---|
| Regulation | Strictly regulated by RBI | RBI registered but more flexible |
| Eligibility | High CIBIL, strong income proof required | Flexible eligibility, low CIBIL accepted |
| Approval Speed | Slow (3–7 working days) | Fast (24–72 hours) |
| Documentation | Heavy (multiple proofs) | Minimal (Aadhaar, PAN, Bank Statement) |
| Interest Rates | Generally lower | Slightly higher |
| Loan Amount | High loan amounts possible | Medium loan amounts preferred |
| Customer Segment | Salaried + High income professionals | Salaried, self-employed, low income profiles |
Loansathi.in Ka Solution
Loansathi.in ek aisa platform hai jahan aapko dono options ka benefit milta hai:
- ✔ 150+ Banks & NBFCs ke loan offers ek platform par
- ✔ Bank loans ke liye expert guidance
- ✔ NBFC loans for low CIBIL ya urgent cases
- ✔ Compare & choose best interest rate
- ✔ Fast disbursement & private funding options
Conclusion
Banks aur NBFCs dono ke apne advantages hain. Agar aapko low interest rate chahiye aur aapka profile strong hai toh bank loan best hai. Lekin agar aapka score low hai ya urgent requirement hai toh NBFC loan smart choice hai. Aur dono options compare karne ke liye Loansathi.in aapka trusted partner hai.
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