Lendingplate – Get 2 Lakh Personal Loan With Less Documents – Comprehensive Guide


Lendingplate, a flagship initiative of Unifinz Capital India Limited, emerges as a game-changer in the realm of personal finance, offering borrowers the opportunity to secure loans ranging from ₹10,000 to ₹200,000 with minimal documentation requirements and swift disbursal processes. This essay delves deep into the intricacies of Lendingplate’s offerings, shedding light on its features, eligibility criteria, documentation requirements, and the broader implications of its services in the Indian financial landscape.

Unifinz Capital India Limited

At the heart of Lendingplate’s operations lies the backing of Unifinz Capital India Limited, a reputable financial institution recognized by the Reserve Bank of India (RBI). This endorsement not only instills trust and credibility but also underscores Lendingplate’s commitment to regulatory compliance and ethical lending practices, assuring borrowers of a secure and transparent borrowing experience.

Also Read… Up to ₹50,000 Instant Loan With 5 Month Tenure

Loan Flexibility

Loan offerings are tailored to accommodate a wide spectrum of financial requirements, ranging from ₹10,000 to ₹200,000. This extensive range ensures that borrowers have access to funds suited to their specific needs, whether it be financing a medical emergency, covering educational expenses, or consolidating existing debts. Moreover, the flexibility in loan tenure, spanning from 3 months to 15 months, empowers borrowers to choose repayment terms aligned with their financial circumstances, thereby enhancing affordability and repayment convenience.

Interest Rates

Offering loans at competitive interest rates, with an annualized rate of 12% (equivalent to a monthly interest rate of 1%). This favorable rate positioning not only reduces the financial burden on borrowers but also facilitates responsible borrowing practices, fostering a culture of financial prudence and sustainability.

Application Process: Minimal Documentation

One of the hallmark features is its streamlined application process, characterized by minimal documentation requirements and expedited approval timelines. Unlike traditional lending institutions that often necessitate exhaustive paperwork and prolonged processing durations, Lendingplate enables borrowers to access funds swiftly, with funds typically disbursed within 30 minutes of application approval. This seamless and efficient approach not only enhances borrower satisfaction but also reflects Lendingplate’s commitment to leveraging technology to optimize the lending experience.

Eligibility Criteria

Lendingplate’s eligibility criteria are designed to promote inclusivity and accessibility, ensuring that a broad spectrum of individuals can avail themselves of its loan offerings. To qualify for a Lendingplate loan, applicants must fulfill the following criteria:

Indian Nationality: Borrowers must be Indian nationals, reflecting Lendingplate’s commitment to serving the needs of the domestic populace.

Age Requirement: Applicants must be at least 21 years old, underscoring Lendingplate’s adherence to legal and regulatory mandates governing lending practices.

Minimum Monthly Income: Prospective borrowers are required to demonstrate a minimum monthly income of ₹20,000, thereby ensuring the ability to service loan obligations responsibly.

Documentation Requirements

Lendingplate’s documentation requirements are intentionally kept to a minimum, reflecting its commitment to streamlining the borrowing process and enhancing accessibility. To apply for a loan, borrowers need to furnish the following documents:

Permanent Account Number (PAN) Card: A mandatory document serving as a unique identifier for tax purposes, facilitating identity verification and compliance with regulatory norms.

Aadhar Card: A government-issued identification document that serves as proof of identity and address, bolstering the integrity of the loan application process.

Bank Statement or Payslip: Documentation evidencing the applicant’s financial standing and income source, enabling Lendingplate to assess creditworthiness and determine loan eligibility.


In conclusion, Lendingplate emerges as a beacon of innovation and inclusivity in the Indian lending landscape, revolutionizing access to personal loans through its customer-centric approach and technologically-driven solutions. By leveraging its affiliation with Unifinz Capital India Limited, Lendingplate not only instills confidence and trust but also upholds the highest standards of regulatory compliance and ethical conduct. Through its flexible loan offerings, competitive interest rates, and streamlined application processes, empowers individuals to realize their financial aspirations and navigate life’s uncertainties with confidence. As it continues to expand its footprint and refine its offerings, remains poised to redefine the paradigm of personal finance, championing financial inclusion and empowerment for all.

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