Personal Loan Vs Credit Card Loan: Hello doston, aaj ke fast-paced zindagi mein paise ki zaroorat kabhi bhi pad sakti hai – chahe ghar repair karna ho, shaadi ka kharch, bachchon ki education ya sudden medical issue. Log aksar confuse ho jaate hain ki Personal Loan lein ya Credit Card Loan. Aaj hum step-by-step compare karenge, taaki aap 2025 mein smart decision le sako. Yeh guide based hai latest bank offers pe, jaise SBI, HDFC, Axis se, aur real differences pe.
Personal Loan Kya Hai Aur Kaise Kaam Karta Hai?
Personal Loan ek unsecured loan hota hai, matlab koi collateral nahi chahiye. Bank ya NBFC se ek fixed amount milta hai, jo aap kisi bhi purpose ke liye use kar sakte ho. Repayment fixed EMI mein hota hai, usually 1 se 5 saal tak. 2025 mein, yeh popular hai kyunki flexible hai aur interest rates starting 9.99% se 24% tak hain – jaise Axis Bank ka 9.99% ya HDFC ka up to 24%, depending on credit score aur income. Agar aapka CIBIL score 750+ hai, toh low rates mil jaayenge.
Credit Card Loan: Quick Cash Ka Option
Credit Card Loan, ya Loan Against Credit Card, aapke card limit ke against milta hai. Yeh cash withdrawal ya pre-approved loan ho sakta hai. Repayment period chhota hota hai, jaise 3 mahine se 2 saal tak, with EMI ya flexible payments. Interest rates zyada hote hain, around 14% se 40% tak – jaise Axis Bank mein 35-40% annual. Yeh instant hota hai, lekin limit card ki hoti hai, jo personal loan se kam ho sakti hai.
Interest Rates Ki Tulna: Kaun Sasta Padega?
Interest rate mein bada farak hai. Personal Loan mein 9.99% se 24% p.a., jo long-term ke liye affordable hai. Credit Card Loan mein 14% se 40% tak, kyunki yeh high-risk mana jaata hai. Misal ke taur pe, agar aap ₹1 lakh lete ho: Personal Loan pe 12% interest, 3 saal ke liye EMI ₹3,321 ke around. Credit Card Loan pe 18% interest, 2 saal ke liye EMI ₹4,992. Long-term needs ke liye personal loan se paise bachenge.
Processing Aur Documents: Kitna Hassle?
Personal Loan ke liye KYC, salary slips, ITR jaise docs chahiye, aur approval mein 1-7 din lag sakte hain. Credit Card Loan mein docs almost zero, agar pre-approved hai toh instant transfer. Emergency mein credit card better, lekin planned expenses ke liye personal loan.
Loan Amount: Kitna Milega?
Personal Loan mein ₹50,000 se ₹40 lakh tak, based on income aur history. Credit Card Loan limit card ki hoti hai, jo usually ₹1-5 lakh tak hoti hai average users ke liye. Badi amount chahiye toh personal loan jeetega.
Repayment Ki Flexibility
Personal Loan: Fixed EMI, up to 5 years, stable budget ke liye best. Credit Card Loan: Short-term, kuch banks mein pre-closure without charges. Lekin agar late pay karoge, toh credit score gir sakta hai.
Fayde Aur Nuksan: Sachchai Janiye
Personal Loan ke Plus: Badi rakam, low interest, long tenure. Minus: Zyada docs, time lagta hai, pre-closure charges ho sakte hain.
Credit Card Loan ke Plus: Quick approval, no hassle, short needs ke liye. Minus: High interest, limited amount, score kharab hone ka risk.
Kaun Sa Loan Aapke Liye Sahi Hai?
Agar badi amount chahiye (₹1 lakh+), long repayment aur stable income hai, toh Personal Loan best. Quick cash, chhoti amount aur no docs chahiye, toh Credit Card Loan. Hamesha apni situation dekho – jaise 2025 mein banks jaise ICICI ya SBI low rates de rahe hain personal pe.
Read more: – Diwali Offers Best Credit Cards: Bumper Discounts Ka Secret In Cards Mein Chhupa Hai!
Doston, dono options ache hain, lekin sahi choice se interest bachao. Apply karne se pehle compare karo apps pe. Koi sawal ho toh batao. Smart borrowing karo!
