{"id":1036,"date":"2026-06-09T12:59:32","date_gmt":"2026-06-09T12:59:32","guid":{"rendered":"https:\/\/web.conceptialmedia.com\/nmdsociety\/?page_id=1036"},"modified":"2026-06-12T06:31:18","modified_gmt":"2026-06-12T06:31:18","slug":"personal-loan","status":"publish","type":"page","link":"https:\/\/web.conceptialmedia.com\/nmdsociety\/personal-loan\/","title":{"rendered":"Personal Loan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1036\" class=\"elementor elementor-1036\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e1ddd26 hero e-flex e-con-boxed e-con e-parent\" data-id=\"e1ddd26\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-af839d9 e-con-full e-flex e-con e-child\" data-id=\"af839d9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b064b4 elementor-widget elementor-widget-html\" data-id=\"6b064b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div class=\"hero-badge-strip\">\n    <span class=\"hero-badge blue\">Up to \u20b94,00,000<\/span>\n    <span class=\"hero-badge green\">15% p.a. Reducing Balance<\/span>\n    <span class=\"hero-badge\">Max 36 Months<\/span>\n    <span class=\"hero-badge gold\">3 Guarantors<\/span>\n    <span class=\"hero-badge\">No Collateral<\/span>\n  <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e006684 e-con-full e-flex e-con e-child\" data-id=\"e006684\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f46ffe elementor-widget elementor-widget-heading\" data-id=\"7f46ffe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Personal \/ Regular Loan<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-337c30d elementor-widget elementor-widget-heading\" data-id=\"337c30d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Plan your future with confidence. NMD Society's Personal Loan gives you up to \u20b94,00,000 at a fair interest rate \u2014 for home improvement, education,<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-13450ae e-flex e-con-boxed e-con e-parent\" data-id=\"13450ae\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c93ff6a e-con-full e-flex e-con e-child\" data-id=\"c93ff6a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6b73a77 elementor-widget elementor-widget-heading\" data-id=\"6b73a77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Personal \/ Regular Loan<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-06e5afd elementor-widget elementor-widget-heading\" data-id=\"06e5afd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bigger Goals Need Bigger Support<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a62bf61 elementor-widget elementor-widget-text-editor\" data-id=\"a62bf61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The\u00a0<strong>NMD Society Personal \/ Regular Loan<\/strong>\u00a0is a comprehensive credit facility designed for members who need a larger loan amount for planned personal or business needs. Whether you&#8217;re renovating your home, funding your child&#8217;s higher education, managing a family event like a wedding, or expanding your small business \u2014 this loan is built to help you achieve it.<\/p><p>Borrow up to\u00a0<strong>\u20b94,00,000<\/strong>\u00a0at an interest rate of\u00a0<strong>15% per annum on reducing balance basis<\/strong>, repayable over a flexible tenure of up to\u00a0<strong>36 months<\/strong>. With three existing member guarantors and proper documentation, the process is straightforward and member-friendly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-67902c8 e-con-full e-flex e-con e-child\" data-id=\"67902c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af3573e elementor-widget elementor-widget-text-editor\" data-id=\"af3573e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Planned needs, planned repayment.<\/strong>\u00a0Unlike emergency loans, the Personal Loan is for considered financial decisions \u2014 home renovation, education, wedding, business investment \u2014 where you want a larger amount with a comfortable repayment period of up to 3 years.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-641a824 elementor-widget elementor-widget-text-editor\" data-id=\"641a824\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The\u00a0<strong>reducing balance interest method<\/strong>\u00a0ensures that your interest burden decreases every month as you repay. You only pay interest on what you owe \u2014 not on the original loan amount throughout the tenure. This makes the effective cost significantly lower than flat-rate loans.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c0b9ed e-con-full e-flex e-con e-child\" data-id=\"3c0b9ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42429a2 elementor-widget elementor-widget-html\" data-id=\"42429a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- LOAN HERO CARD -->\n      <div class=\"loan-hero-card reveal\">\n        <div class=\"lc-tag\">Personal \/ Regular Loan<\/div>\n        <div class=\"lc-label\">Maximum Loan Amount<\/div>\n        <div class=\"lc-amount\">\u20b94,00,000<\/div>\n        <div class=\"lc-sub\">For planned personal &amp; business needs<\/div>\n        <div class=\"loan-stats\">\n          <div class=\"loan-stat\">\n            <div class=\"ls-label\">Interest Rate<\/div>\n            <div class=\"ls-val blue\">15% p.a.<\/div>\n          <\/div>\n          <div class=\"loan-stat\">\n            <div class=\"ls-label\">Calculation Method<\/div>\n            <div class=\"ls-val\" style=\"font-size:.95rem\">Reducing Balance<\/div>\n          <\/div>\n          <div class=\"loan-stat\">\n            <div class=\"ls-label\">Max Tenure<\/div>\n            <div class=\"ls-val\">36 Months<\/div>\n          <\/div>\n          <div class=\"loan-stat\">\n            <div class=\"ls-label\">Guarantors Required<\/div>\n            <div class=\"ls-val blue\">3 Members<\/div>\n          <\/div>\n          <div class=\"loan-stat\">\n            <div class=\"ls-label\">Min. Share Money<\/div>\n            <div class=\"ls-val green\">10% of Loan<\/div>\n          <\/div>\n          <div class=\"loan-stat\">\n            <div class=\"ls-label\">Min. CD Required<\/div>\n            <div class=\"ls-val green\">10% of Loan<\/div>\n          <\/div>\n        <\/div>\n        <div class=\"lc-features\">\n          <div class=\"lc-feat\"><div class=\"lc-feat-dot\"><\/div>No collateral or property pledge required<\/div>\n          <div class=\"lc-feat\"><div class=\"lc-feat-dot\"><\/div>3 existing member guarantors needed<\/div>\n          <div class=\"lc-feat\"><div class=\"lc-feat-dot\"><\/div>Flexible EMI over up to 36 months<\/div>\n          <div class=\"lc-feat\"><div class=\"lc-feat-dot\"><\/div>Reducing balance \u2014 interest decreases every month<\/div>\n          <div class=\"lc-feat\"><div class=\"lc-feat-dot\"><\/div>Transparent terms, no hidden charges<\/div>\n          <div class=\"lc-feat\"><div class=\"lc-feat-dot\"><\/div>Member-exclusive \u2014 rewards savings discipline<\/div>\n        <\/div>\n        <a href=\"#calculator\" class=\"lc-cta\">Calculate My EMI \u2192<\/a>\n      <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fb086d2 e-flex e-con-boxed e-con e-parent\" data-id=\"fb086d2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8caa24c e-con-full e-flex e-con e-child\" data-id=\"8caa24c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-761819e elementor-widget elementor-widget-heading\" data-id=\"761819e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">What Can You Use It For?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9653489 elementor-widget elementor-widget-heading\" data-id=\"9653489\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Personal Loan for Every Life Goal<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a5a83f elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"1a5a83f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>The NMD Personal \/ Regular Loan is a multi-purpose loan. Use it for any legitimate personal or business need \u2014 no end-use restrictions for members.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c61959 e-con-full e-flex e-con e-child\" data-id=\"6c61959\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-433395d e-con-full e-flex e-con e-child\" data-id=\"433395d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f663d4 pl-box elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"2f663d4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg class=\"ekit-svg-icon icon-Safe-house\" viewBox=\"0 0 36 32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M33.524 11.365v-0.571c0 0 0 0 0-0.063s0-0.127-0.063-0.19c0 0 0-0.063 0-0.063 0-0.063-0.063-0.127-0.127-0.19v0l-7.746-7.746c-0.127-0.127-0.254-0.19-0.444-0.19h-2.413v-1.778c0-0.317-0.254-0.571-0.571-0.571h-2.984c-0.317 0-0.571 0.254-0.571 0.571v1.778h-8.444c0 0 0 0 0 0-0.063 0-0.127 0-0.19 0.063 0 0-0.063 0-0.063 0-0.063 0-0.127 0.063-0.127 0.127 0 0 0 0 0 0l-7.238 7.81 0.889 0.825 6.794-7.302 7.175 7.175v10.54h-4.19v-7.238c0-0.317-0.254-0.571-0.571-0.571h-4.19c-0.317 0-0.571 0.254-0.571 0.571v4.19h1.206v-3.619h2.984v6.667h-0.571v1.206h13.206v-1.206h-5.968v-10.159h14.794zM19.746 1.206h1.841v3.619h-1.778v-3.619zM18.222 10.159l-6.603-6.54h6.921v1.778c0 0.317 0.254 0.571 0.571 0.571h2.984c0.317 0 0.571-0.254 0.571-0.571v-1.778h2.159l6.667 6.54h-13.27z\"><\/path><path d=\"M20.952 13.778c-0.317 0-0.571 0.254-0.571 0.571v2.984c0 0.317 0.254 0.571 0.571 0.571h2.984c0.317 0 0.571-0.254 0.571-0.571v-2.984c0-0.317-0.254-0.571-0.571-0.571h-2.984zM23.365 16.762h-1.778v-1.778h1.778v1.778z\"><\/path><path d=\"M26.984 13.778c-0.317 0-0.571 0.254-0.571 0.571v2.984c0 0.317 0.254 0.571 0.571 0.571h2.984c0.317 0 0.571-0.254 0.571-0.571v-2.984c0-0.317-0.254-0.571-0.571-0.571h-2.984zM29.333 16.762h-1.778v-1.778h1.778v1.778z\"><\/path><path d=\"M0 21.016c0 0.825 0.19 1.651 0.571 2.413l4.317 8.571 1.079-0.508-4.317-8.571c-0.317-0.571-0.444-1.206-0.444-1.905v-6.984c0-0.508 0.381-0.889 0.889-0.889s0.889 0.381 0.889 0.889v6.921c0 0.127 0.063 0.254 0.127 0.381l0.762 0.889 2.857 3.302c0.254 0.254 0.635 0.254 0.825 0.064 0.254-0.19 0.254-0.571 0.064-0.825l-2.857-3.302c-0.317-0.381-0.254-0.889 0.127-1.206s0.889-0.254 1.206 0.127l2.984 3.429c0 0 0.063 0.064 0.063 0.064 1.333 1.016 2.159 2.603 2.159 4.317v3.556h1.206v-3.619c0-2.032-0.952-4-2.603-5.206l-2.984-3.365c-0.444-0.444-1.016-0.698-1.651-0.698-0.444 0-0.889 0.19-1.206 0.444v-5.206c0-1.143-0.952-2.095-2.095-2.095s-1.968 0.889-1.968 2.095v6.921z\"><\/path><path d=\"M33.841 12c-1.143 0-2.095 0.952-2.095 2.095v5.206c-0.317-0.254-0.762-0.444-1.206-0.444-0.635 0-1.206 0.254-1.651 0.698l-2.984 3.365c-1.651 1.27-2.603 3.175-2.603 5.206v3.619h1.206v-3.619c0-1.714 0.825-3.302 2.159-4.317 0.064 0 0.064-0.064 0.064-0.064l2.984-3.429c0.19-0.19 0.444-0.317 0.698-0.317 0.508 0 0.825 0.444 0.825 0.889 0 0.19-0.064 0.381-0.19 0.508l-2.73 3.365c-0.19 0.254-0.19 0.635 0.127 0.825 0.254 0.19 0.571 0.19 0.825-0.064l2.857-3.302 0.762-0.889c0.063-0.127 0.127-0.254 0.127-0.381v-6.857c0-0.508 0.381-0.889 0.889-0.889s0.889 0.381 0.889 0.889v6.984c0 0.635-0.127 1.27-0.444 1.905l-4.317 8.571 1.079 0.508 4.317-8.571c0.381-0.762 0.571-1.587 0.571-2.413v-6.984c-0.063-1.206-1.016-2.095-2.159-2.095z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHome Renovation\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tRefurbish your kitchen, bathroom, flooring, or roofing. Make your home the comfortable, beautiful space your family deserves.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a03d2dd e-con-full e-flex e-con e-child\" data-id=\"a03d2dd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b4549e7 pl-box elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"b4549e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg class=\"ekit-svg-icon icon-book1\" viewBox=\"0 0 32 32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M26.905 0.4h-18.553c-2.188 0-3.968 1.78-3.968 3.968v24.064c0 2.188 1.78 3.968 3.968 3.968h18.553c0.393 0 0.711-0.318 0.711-0.711 0-0.015-0.001-0.030-0.002-0.045 0.001-0.015 0.002-0.030 0.002-0.045v-30.488c-0-0.393-0.319-0.711-0.711-0.711zM7.641 30.876c-1.059-0.309-1.835-1.287-1.835-2.444v-21.023c0.517 0.433 1.145 0.737 1.835 0.862v22.605zM8.352 6.914c-1.404 0-2.546-1.142-2.546-2.546s1.142-2.546 2.546-2.546h15.512c-0.578 0.69-0.927 1.578-0.927 2.546s0.349 1.856 0.927 2.546h-15.512zM21.571 8.336v4.173l-0.849-0.632c-0.252-0.188-0.598-0.188-0.85 0l-0.858 0.64v-4.18h2.557zM26.194 30.978h-17.13v-22.641h8.528v5.598c0 0.269 0.152 0.515 0.392 0.636 0.101 0.051 0.21 0.075 0.319 0.075 0.151 0 0.3-0.048 0.425-0.141l1.569-1.17 1.56 1.162c0.216 0.161 0.504 0.186 0.744 0.065s0.392-0.367 0.392-0.636v-5.589h3.2v22.641zM26.194 6.812c-1.059-0.309-1.835-1.287-1.835-2.444s0.776-2.135 1.834-2.444v4.888zM21.117 17.429h-6.977c-0.393 0-0.711 0.318-0.711 0.711s0.319 0.711 0.711 0.711h6.977c0.393 0 0.711-0.318 0.711-0.711s-0.319-0.711-0.711-0.711zM23.105 21.885h-10.952c-0.393 0-0.711 0.318-0.711 0.711s0.318 0.711 0.711 0.711h10.952c0.393 0 0.711-0.318 0.711-0.711s-0.318-0.711-0.711-0.711z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tHigher Education\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFund college admissions, professional courses, coaching fees, or skill development programs for yourself or your children.\n\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-927f290 e-con-full e-flex e-con e-child\" data-id=\"927f290\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bb77069 pl-box elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"bb77069\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg class=\"ekit-svg-icon icon-rings\" viewBox=\"0 0 34 32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M33.275 18.422c-0.637-1.976-1.785-3.633-3.378-4.908 1.211-0.701 2.104-1.594 2.422-2.614 0.51-1.594-0.127-3.187-1.53-3.57-0.892-0.319-1.721-0.064-2.231 0.191-0.255-0.51-0.765-1.147-1.721-1.402-0.637-0.319-1.339-0.191-1.976 0.191-0.574 0.382-1.020 1.020-1.275 1.721-0.319 0.956-0.191 2.040 0.255 3.187-1.211-0.064-2.422 0.127-3.57 0.51-0.128 0.064-0.191 0.064-0.319 0.127-0.765-1.785-2.104-3.315-3.761-4.462-1.657-1.084-3.633-1.721-5.61-1.721 0.191-0.382 0.319-0.701 0.382-1.084 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1.657 1.211 2.805 2.805 3.442 4.781 0.574 2.295 0.382 4.845-0.765 7.076z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWedding &amp; Family Events\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPlan your child's wedding, a family function, or a religious ceremony without financial stress \u2014 spread the cost over 36 months.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a28ec1 e-con-full e-flex e-con e-child\" data-id=\"3a28ec1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca16b38 pl-box elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"ca16b38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg class=\"ekit-svg-icon icon-building\" viewBox=\"0 0 38 32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M17.905 24.914c0.381 0 0.61-0.305 0.61-0.61v-3.81c0-0.381-0.305-0.61-0.61-0.61h-3.81c-0.381 0-0.61 0.305-0.61 0.61v3.81c0 0.381 0.305 0.61 0.61 0.61h3.81zM14.705 21.105h2.59v2.59h-2.59v-2.59z\"><\/path><path d=\"M20.495 24.914h3.81c0.381 0 0.61-0.305 0.61-0.61v-3.81c0-0.381-0.305-0.61-0.61-0.61h-3.81c-0.381 0-0.61 0.305-0.61 0.61v3.81c-0.076 0.381 0.229 0.61 0.61 0.61zM21.105 21.105h2.59v2.59h-2.59v-2.59z\"><\/path><path d=\"M17.905 17.905c0.381 0 0.61-0.305 0.61-0.61v-3.81c0-0.381-0.305-0.61-0.61-0.61h-3.81c-0.381 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19.2h1.295c0.229 0 0.533-0.152 0.61-0.381s0-0.533-0.152-0.686l-1.676-1.524v-6.324h14.095v6.324l-1.676 1.524c-0.229 0.152-0.229 0.457-0.152 0.686s0.305 0.381 0.61 0.381h1.295v11.505h-3.81v-1.905c0-1.752-1.448-3.2-3.2-3.2s-3.429 1.448-3.429 3.2v1.905h-3.81v-11.505zM17.295 30.705v-1.905c0-1.067 0.838-1.905 1.905-1.905s1.905 0.838 1.905 1.905v1.905h-3.81zM27.505 30.705v-11.505h7.695v11.505h-7.695z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tBusiness Expansion\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tStock inventory, buy equipment, renovate your shop, or invest in your small business to grow your income and livelihood.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-46c6e0b e-con-full e-flex e-con e-child\" data-id=\"46c6e0b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ffccccf e-con-full e-flex e-con e-child\" data-id=\"ffccccf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-462cb8e pl-box elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"462cb8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg class=\"ekit-svg-icon icon-car11\" viewBox=\"0 0 32 32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M29.83 12.483l-6.097-2.444c-1.015-0.407-2.084-0.613-3.178-0.613h-3.737c-1.339 0-2.678 0.321-3.871 0.928l-5.524 2.809-3.963 0.578c-0.961 0.14-1.839 0.622-2.474 1.357s-0.984 1.673-0.984 2.644v2.339c0 0.361 0.293 0.654 0.654 0.654h2.807c0.141 0.637 0.463 1.219 0.94 1.684 0.633 0.616 1.469 0.955 2.353 0.955s1.719-0.34 2.353-0.955c0.477-0.465 0.8-1.049 0.94-1.684h11.729c0.141 0.637 0.463 1.219 0.94 1.683 0.633 0.616 1.468 0.956 2.352 0.956s1.72-0.34 2.353-0.955c0.477-0.465 0.8-1.047 0.94-1.684h2.984c0.361 0 0.654-0.293 0.654-0.654v-4.39c0-1.42-0.852-2.679-2.17-3.208zM23.246 11.254l4.706 1.887h-3.551l-1.563-2.036c0.137 0.046 0.273 0.096 0.408 0.149zM17.431 10.735h3.123c0.119 0 0.238 0.003 0.355 0.008l1.841 2.397h-5.32v-2.406zM13.539 11.521c0.804-0.409 1.686-0.664 2.584-0.751v2.371h-5.768l3.185-1.62zM3.546 15.054c-0.269 0.91-1.072 1.593-2.044 1.686 0.341-0.855 1.105-1.513 2.044-1.686zM6.754 22.065c-1.14 0-2.064-0.924-2.064-2.064s0.924-2.064 2.064-2.064 2.064 0.924 2.064 2.064c0 1.14-0.924 2.064-2.064 2.064zM25.069 22.065c-1.14 0-2.065-0.924-2.065-2.064s0.925-2.064 2.065-2.064c1.14 0 2.064 0.924 2.064 2.064s-0.924 2.064-2.064 2.064zM30.691 19.426h-2.3c-0.274-1.586-1.659-2.798-3.323-2.798s-3.048 1.211-3.322 2.798h-11.669c-0.274-1.586-1.66-2.798-3.323-2.798s-3.049 1.211-3.323 2.798h-2.123v-1.366c1.854-0.017 3.384-1.412 3.612-3.209l2.752-0.401h16.406c0 0 0 0 0.001 0s0 0 0.001 0h4.141v0.852c0 1.198 0.974 2.172 2.171 2.172h0.299v1.953zM30.691 16.164h-0.299c-0.475 0-0.863-0.387-0.863-0.863v-0.852h0.768c0.251 0.355 0.394 0.784 0.394 1.241v0.474zM18.137 16.283h-4.34c-0.361 0-0.654 0.293-0.654 0.654s0.293 0.654 0.654 0.654h4.34c0.361 0 0.654-0.293 0.654-0.654s-0.293-0.654-0.654-0.654zM6.754 19.133c-0.479 0-0.867 0.389-0.867 0.868s0.388 0.868 0.867 0.868c0.48 0 0.868-0.389 0.868-0.868s-0.388-0.868-0.868-0.868zM25.069 19.133c-0.48 0-0.868 0.389-0.868 0.868s0.388 0.868 0.868 0.868c0.479 0 0.867-0.389 0.867-0.868s-0.388-0.868-0.867-0.868z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tVehicle Purchase\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tBuy a two-wheeler, auto-rickshaw, or light vehicle for personal use or commercial income generation \u2014 financed over easy EMIs.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ce7abe8 e-con-full e-flex e-con e-child\" data-id=\"ce7abe8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bc71b28 pl-box elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"bc71b28\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg class=\"ekit-svg-icon icon-hospital\" viewBox=\"0 0 32 32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M24.533 13.867v3.2h4.267v-3.2h-4.267zM27.733 16h-2.133v-1.067h2.133v1.067z\"><\/path><path d=\"M24.533 18.133v3.2h4.267v-3.2h-4.267zM27.733 20.267h-2.133v-1.067h2.133v1.067z\"><\/path><path d=\"M24.533 22.4v3.2h4.267v-3.2h-4.267zM27.733 24.533h-2.133v-1.067h2.133v1.067z\"><\/path><path d=\"M24.533 26.667v3.2h4.267v-3.2h-4.267zM27.733 28.8h-2.133v-1.067h2.133v1.067z\"><\/path><path d=\"M18.133 5.333v-3.2h-4.267v3.2h-3.2v4.267h3.2v3.2h4.267v-3.2h3.2v-4.267h-3.2zM20.267 8.533h-3.2v3.2h-2.133v-3.2h-3.2v-2.133h3.2v-3.2h2.133v3.2h3.2v2.133z\"><\/path><path d=\"M23.467 11.733v-11.733h-14.933v11.733h-7.467v20.267h29.867v-20.267h-7.467zM8.533 30.933h-6.4v-18.133h6.4v18.133zM15.467 30.933h-2.667v-9.6h2.667v9.6zM19.2 30.933h-2.667v-9.6h2.667v9.6zM22.4 30.933h-2.133v-10.667h-8.533v10.667h-2.133v-29.867h12.8v29.867zM29.867 30.933h-6.4v-18.133h6.4v18.133z\"><\/path><path d=\"M3.2 13.867v3.2h4.267v-3.2h-4.267zM6.4 16h-2.133v-1.067h2.133v1.067z\"><\/path><path d=\"M3.2 18.133v3.2h4.267v-3.2h-4.267zM6.4 20.267h-2.133v-1.067h2.133v1.067z\"><\/path><path d=\"M3.2 22.4v3.2h4.267v-3.2h-4.267zM6.4 24.533h-2.133v-1.067h2.133v1.067z\"><\/path><path d=\"M3.2 26.667v3.2h4.267v-3.2h-4.267zM6.4 28.8h-2.133v-1.067h2.133v1.067z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMedical Treatment\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tCover planned medical procedures, surgeries, rehabilitation, or long-term treatment costs that exceed the Emergency Loan limit.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-01dd99e e-con-full e-flex e-con e-child\" data-id=\"01dd99e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a5ec19 pl-box elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"7a5ec19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg class=\"ekit-svg-icon icon-Leaf\" viewBox=\"0 0 37 32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M37.259 18.63c0 0 0-0.063 0-0.063l-1.901-13.053c-0.063-0.253-0.19-0.444-0.38-0.507-0.19-0.127-0.444-0.127-0.634-0.063l-8.618 3.485c-0.38 0.127-0.57 0.57-0.38 0.95 0.127 0.38 0.57 0.57 0.951 0.38l7.731-3.105 1.711 12.040c0 0.063 0 0.063 0 0.127 0.38 2.218-0.063 4.499-1.141 6.463-1.331 2.281-3.422 3.865-5.893 4.562-2.535 0.697-5.133 0.317-7.414-1.014 0 0-0.063 0-0.063 0 0.507-0.38 0.951-0.76 1.394-1.204l8.554-2.281c0.38-0.127 0.634-0.507 0.507-0.887s-0.507-0.634-0.887-0.507l-6.59 1.774c0.697-1.077 1.267-2.281 1.648-3.549l5.893-1.584c0.38-0.127 0.634-0.507 0.507-0.887s-0.507-0.634-0.887-0.507l-4.309 1.141 1.648-2.788 3.422-0.951c0.38-0.127 0.634-0.507 0.507-0.887s-0.507-0.634-0.887-0.507l-2.028 0.57 1.584-2.661c0.19-0.38 0.063-0.824-0.253-1.014-0.38-0.19-0.824-0.063-1.014 0.253l-1.584 2.661-0.57-2.091c-0.127-0.38-0.507-0.634-0.887-0.507s-0.634 0.507-0.507 0.887l0.951 3.422-0.951 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0.76-15.398-4.626-1.331-2.345-1.838-5.133-1.394-7.794 0-0.063 0-0.063 0-0.127l2.091-14.448 4.816 1.964c0.38 0.127 0.824 0 0.95-0.38s0-0.824-0.38-0.95l-5.703-2.345c-0.253-0.063-0.444-0.063-0.634 0.063-0.19 0.063-0.317 0.253-0.38 0.507l-2.218 15.525c0 0 0 0.063 0 0.063-0.507 2.978 0.063 6.083 1.584 8.681 2.408 4.246 6.907 6.59 11.469 6.59 2.028 0 4.055-0.444 5.956-1.457l0.887 1.584c0.127 0.253 0.38 0.38 0.634 0.38 0.127 0 0.253 0 0.38-0.127 0.38-0.19 0.444-0.634 0.253-1.014l-0.317-0.57c1.584 0.824 3.358 1.267 5.133 1.267 0.951 0 1.964-0.127 2.915-0.38 2.915-0.76 5.323-2.598 6.78-5.196 1.331-2.218 1.774-4.816 1.394-7.351z\"><\/path><path d=\"M12.040 3.612c-0.127-0.127-0.317-0.19-0.507-0.19s-0.38 0.063-0.507 0.19c-0.127 0.127-0.19 0.317-0.19 0.507s0.063 0.38 0.19 0.507c0.127 0.127 0.317 0.19 0.507 0.19s0.38-0.063 0.507-0.19c0.127-0.127 0.19-0.317 0.19-0.507 0.063-0.19 0-0.38-0.19-0.507z\"><\/path><path d=\"M32.444 10.012v0c-0.253-0.317-0.697-0.38-1.014-0.19-0.317 0.253-0.38 0.697-0.19 1.014v0c0.127 0.19 0.38 0.317 0.57 0.317 0.127 0 0.317-0.063 0.444-0.127 0.317-0.19 0.38-0.634 0.19-1.014z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAgricultural \/ Seasonal Needs\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tPurchase seeds, fertilisers, tools, or farming equipment for the next cropping season with a flexible repayment tenure.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3923e47 e-con-full e-flex e-con e-child\" data-id=\"3923e47\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-300b191 pl-box elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"300b191\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg class=\"ekit-svg-icon icon-credit-card\" viewBox=\"0 0 32 32\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M29.328 11.369h-3.256v-4.596c0-1.473-1.198-2.671-2.672-2.671h-20.729c-1.473 0-2.671 1.199-2.671 2.672v11.987c0 1.473 1.198 2.672 2.671 2.672h3.256v4.597c0 1.473 1.198 2.671 2.671 2.671h20.729c1.473 0 2.671-1.198 2.671-2.672v-11.987c0-1.473-1.198-2.671-2.672-2.671zM1.527 6.773c0-0.631 0.514-1.145 1.145-1.145h20.729c0.631 0 1.145 0.514 1.145 1.145v1.066h-23.019v-1.066zM5.928 14.040v5.864h-3.256c-0.631 0-1.145-0.514-1.145-1.145v-5.859h4.657c-0.164 0.346-0.256 0.733-0.256 1.14zM1.527 11.374v-2.009h23.019v2.004h-15.946c-0.052 0-0.103 0.002-0.154 0.005h-6.919zM29.328 27.172h-20.729c-0.631 0-1.145-0.514-1.145-1.145v-11.987c0-0.6 0.464-1.092 1.051-1.14h16.803c0.028 0 0.056-0.002 0.083-0.005h3.936c0.631 0 1.145 0.514 1.145 1.145v11.987h0c0 0.631-0.514 1.145-1.145 1.145zM21.263 16.355c-0.868 0-1.667 0.303-2.297 0.808-0.646-0.52-1.451-0.808-2.302-0.808-2.029 0-3.68 1.651-3.68 3.68s1.651 3.68 3.68 3.68c0.851 0 1.656-0.288 2.302-0.808 0.63 0.505 1.428 0.808 2.297 0.808 2.029 0 3.679-1.651 3.679-3.68s-1.651-3.679-3.679-3.679zM17.997 21.725c-0.376 0.297-0.841 0.462-1.332 0.462-1.187 0-2.153-0.966-2.153-2.153s0.966-2.153 2.153-2.153c0.492 0 0.957 0.165 1.332 0.462-0.264 0.507-0.413 1.082-0.413 1.691s0.15 1.184 0.413 1.691zM21.263 22.187c-1.187 0-2.153-0.966-2.153-2.153s0.966-2.153 2.153-2.153c1.187 0 2.153 0.966 2.153 2.153s-0.966 2.153-2.153 2.153z\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h5 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tDebt Consolidation\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h5>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tConsolidate high-interest informal debts or money-lender loans into one affordable NMD Society loan at a fair 15% p.a. rate.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e82c013 e-flex e-con-boxed e-con e-parent\" data-id=\"e82c013\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-554bf8f elementor-widget elementor-widget-html\" data-id=\"554bf8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- EMI CALCULATOR -->\n<section class=\"calc-section\" id=\"calculator\">\n  <div class=\"container\">\n    <div class=\"reveal\">\n      <div class=\"section-label\">EMI Calculator<\/div>\n      <h2 class=\"section-title\">Calculate Your Personal Loan EMI<\/h2>\n      <p style=\"color:#5a5f7a;font-size:.93rem;max-width:540px\">Enter your loan amount and tenure to see the monthly EMI, total interest, complete amortization schedule, and a savings comparison across tenures.<\/p>\n    <\/div>\n    <div class=\"calc-grid\">\n      <div class=\"calc-form reveal\">\n        <h3><div class=\"ch-icon\"><\/div>Loan Details<\/h3>\n\n        <div class=\"form-group\">\n          <label>Loan Amount (\u20b9)<\/label>\n          <div class=\"range-wrap\">\n            <span class=\"range-val-label\" id=\"loanLabel\">\u20b91,00,000<\/span>\n            <input type=\"range\" id=\"loanRange\" min=\"10000\" max=\"400000\" step=\"5000\" value=\"100000\" oninput=\"updateLoan(this.value)\"\/>\n          <\/div>\n          <input type=\"number\" id=\"loanInput\" value=\"100000\" min=\"10000\" max=\"400000\" step=\"1000\" placeholder=\"Max \u20b94,00,000\" oninput=\"syncLoan(this.value)\" style=\"margin-top:.75rem\"\/>\n        <\/div>\n\n        <div class=\"form-group\">\n          <label>Repayment Tenure<\/label>\n          <div class=\"tenure-grid\">\n            <button class=\"ten-btn\" onclick=\"setTenure(this,6)\">6 Mo.<small>Lowest interest<\/small><\/button>\n            <button class=\"ten-btn\" onclick=\"setTenure(this,12)\">12 Mo.<small>1 Year<\/small><\/button>\n            <button class=\"ten-btn active\" onclick=\"setTenure(this,18)\">18 Mo.<small>1.5 Years<\/small><\/button>\n            <button class=\"ten-btn\" onclick=\"setTenure(this,24)\">24 Mo.<small>2 Years<\/small><\/button>\n            <button class=\"ten-btn\" onclick=\"setTenure(this,30)\">30 Mo.<small>2.5 Years<\/small><\/button>\n            <button class=\"ten-btn\" onclick=\"setTenure(this,36)\">36 Mo.<small>Max Tenure<\/small><\/button>\n          <\/div>\n        <\/div>\n\n        <div class=\"form-group\">\n          <label>Interest Rate (% p.a.)<\/label>\n          <input type=\"number\" id=\"rateInput\" value=\"15\" min=\"1\" max=\"30\" step=\"0.1\" oninput=\"calcEMI()\"\/>\n        <\/div>\n\n        <div style=\"border-radius:15px;padding:1rem 1.25rem;border:1px solid #bfdbfe;margin-bottom:1rem\">\n          <p style=\"font-size:.8rem;color:#1a2756;font-weight:500\">Interest is calculated on <strong>reducing balance basis<\/strong> \u2014 you save money compared to flat-rate loans as your outstanding principal decreases every month.<\/p>\n        <\/div>\n\n        <button class=\"calc-btn\" onclick=\"calcEMI()\">Calculate My EMI<\/button>\n\n        <!-- share\/CD requirement helper -->\n        <div style=\"margin-top:1.25rem;background:#e8f5ec;border-radius:10px;padding:1rem 1.25rem;border:1px solid #1f7a3e\">\n          <p style=\"font-size:.8rem;color:#1f7a3e;font-weight:600;margin-bottom:.35rem\">Share Money &amp; CD Requirement<\/p>\n          <p style=\"font-size:.82rem;color:#5a5f7a\">For a loan of <span id=\"reqLoanDisp\" style=\"font-weight:700;color:#1a2756\">\u20b91,00,000<\/span>, you need:<\/p>\n          <p style=\"font-size:.88rem;color:#1a2756;font-weight:700;margin-top:.3rem\">Share Money: <span id=\"reqShare\">\u20b910,000<\/span> &nbsp;|&nbsp; CD: <span id=\"reqCD\">\u20b910,000<\/span><\/p>\n        <\/div>\n      <\/div>\n\n      <div class=\"calc-result reveal\">\n        <h3> Loan Repayment Summary<\/h3>\n        <div class=\"emi-big\">\n          <div class=\"eb-label\">Monthly EMI<\/div>\n          <div class=\"eb-amount\" id=\"emiAmount\">\u20b96,207<\/div>\n          <div class=\"eb-note\" id=\"emiNote\">For \u20b91,00,000 over 18 months<\/div>\n        <\/div>\n        <div class=\"result-row\"><span class=\"rr-label\">Loan Amount<\/span><span class=\"rr-val\" id=\"resLoan\">\u20b91,00,000<\/span><\/div>\n        <div class=\"result-row\"><span class=\"rr-label\">Interest Rate<\/span><span class=\"rr-val\" id=\"resRate\">15% p.a.<\/span><\/div>\n        <div class=\"result-row\"><span class=\"rr-label\">Tenure<\/span><span class=\"rr-val\" id=\"resTenure\">18 Months<\/span><\/div>\n        <div class=\"result-row\"><span class=\"rr-label\">Total Interest Payable<\/span><span class=\"rr-val\" style=\"color:#93c5fd\" id=\"resInterest\">\u20b911,726<\/span><\/div>\n        <div class=\"result-row\"><span class=\"rr-label\">Total Amount Payable<\/span><span class=\"rr-val\" style=\"color:#6ee7a0;font-size:.97rem;font-weight:700\" id=\"resTotal\">\u20b91,11,726<\/span><\/div>\n\n        <div class=\"pie-wrap\">\n          <div class=\"pie-title\">Principal vs Total Interest<\/div>\n          <div class=\"pie-bars\">\n            <div class=\"pie-bar-p\" id=\"piePrincipal\" style=\"width:90%\"><\/div>\n            <div class=\"pie-bar-i\" id=\"pieInterest\" style=\"width:10%\"><\/div>\n          <\/div>\n          <div class=\"pie-legend\">\n            <div class=\"pie-legend-item\"><div class=\"pie-dot\" style=\"background:rgba(255,255,255,.35)\"><\/div>Principal<\/div>\n            <div class=\"pie-legend-item\"><div class=\"pie-dot\" style=\"background:#93c5fd\"><\/div>Interest<\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"amort-wrap\">\n          <div class=\"amort-title\">Month-wise Repayment Schedule<\/div>\n          <div class=\"amort-row amort-head\">\n            <span>Mo.<\/span><span>EMI<\/span><span>Principal<\/span><span>Interest<\/span><span>Balance<\/span>\n          <\/div>\n          <div id=\"amortRows\"><\/div>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97bef17 e-flex e-con-boxed e-con e-parent\" data-id=\"97bef17\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d1b917a elementor-widget elementor-widget-html\" data-id=\"d1b917a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<!-- EMI COMPARISON TABLE -->\n<section class=\"compare-section\">\n  <div class=\"container\">\n    <div class=\"reveal\">\n      <div class=\"section-label\">Tenure Comparison<\/div>\n      <h2 class=\"section-title\">EMI vs Total Cost \u2014 Choose Your Tenure Wisely<\/h2>\n      <p style=\"color:var(--muted);font-size:.93rem;max-width:560px\">See how your EMI and total interest changes across different tenures for a \u20b91,00,000 loan at 15% p.a. A shorter tenure saves you more interest.<\/p>\n    <\/div>\n    <div class=\"compare-wrap reveal\">\n      <table>\n        <thead>\n          <tr>\n            <th style=\"text-align:left\">Loan Amount<\/th>\n            <th>Tenure<\/th>\n            <th>Monthly EMI<\/th>\n            <th>Total Interest<\/th>\n            <th>Total Payable<\/th>\n          <\/tr>\n        <\/thead>\n        <tbody id=\"cmpTableBody\">\n        <\/tbody>\n      <\/table>\n    <\/div>\n    <p style=\"font-size:.8rem;color:var(--muted);margin-top:1rem\" class=\"reveal\">* Values calculated at 15% p.a. reducing balance. Shorter tenures mean higher EMI but significantly lower total interest paid.<\/p>\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-61932a0 e-flex e-con-boxed e-con e-parent\" data-id=\"61932a0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-03a21d3 elementor-widget elementor-widget-html\" data-id=\"03a21d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\n<!-- ELIGIBILITY -->\n<section class=\"elig-section\">\n  <div class=\"container\">\n    <div class=\"elig-grid\">\n      <div class=\"reveal\">\n        <div class=\"section-label\">Who Can Apply<\/div>\n        <h2 class=\"section-title\">Eligibility &amp; Conditions<\/h2>\n        <p style=\"color:var(--muted);font-size:.93rem;margin-bottom:1.75rem\">The Personal \/ Regular Loan is available to active NMD Society members who meet the following conditions:<\/p>\n        <div class=\"elig-list\">\n          <div class=\"elig-item\">\n            <div class=\"elig-icon\">\ud83e\udeaa<\/div>\n            <div class=\"elig-text\">\n              <h4>Must be an Existing NMD Society Member<\/h4>\n              <p>The applicant must hold a valid, active membership with NMD Society. Membership must be in good standing with no disciplinary issues.<\/p>\n            <\/div>\n          <\/div>\n          <div class=\"elig-item\">\n            <div class=\"elig-icon\">\ud83d\udcb0<\/div>\n            <div class=\"elig-text\">\n              <h4>Share Money &amp; CD \u2014 Minimum 10% Each<\/h4>\n              <p>Both the <strong>Share Money<\/strong> and <strong>Compulsory Deposit (CD)<\/strong> must each be at least <strong>10% of the loan amount applied for<\/strong>. E.g., for \u20b91,00,000 loan: \u20b910,000 share money + \u20b910,000 CD required.<\/p>\n            <\/div>\n          <\/div>\n          <div class=\"elig-item\">\n            <div class=\"elig-icon\">\ud83e\udd1d<\/div>\n            <div class=\"elig-text\">\n              <h4>3 Guarantors \u2014 Existing Non-Defaulting Members<\/h4>\n              <p>The applicant must provide <strong>3 guarantors<\/strong>, both of whom must be existing NMD Society members with no outstanding loan defaults at the time of application.<\/p>\n            <\/div>\n          <\/div>\n          <div class=\"elig-item\">\n            <div class=\"elig-icon\">\ud83d\udcca<\/div>\n            <div class=\"elig-text\">\n              <h4>Income Proof Required<\/h4>\n              <p>Applicants must submit income proof \u2014 either <strong>3 years' ITR (Income Tax Returns)<\/strong> or the <strong>last 3 months' salary slips<\/strong> \u2014 to demonstrate repayment capacity.<\/p>\n            <\/div>\n          <\/div>\n          <div class=\"elig-item\">\n            <div class=\"elig-icon\">\u2705<\/div>\n            <div class=\"elig-text\">\n              <h4>Clean Repayment Record<\/h4>\n              <p>No outstanding loan defaults or payment irregularities with NMD Society. Members with a strong repayment history are given priority and expedited processing.<\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n\n      <div class=\"reveal\">\n        <div class=\"quick-facts\">\n          <div class=\"qf-title\">Personal Loan \u2014 At a Glance<\/div>\n          <div class=\"qf-grid\">\n            <div class=\"qf-item\"><div class=\"qf-label\">Maximum Amount<\/div><div class=\"qf-val blue\">\u20b94,00,000<\/div><\/div>\n            <div class=\"qf-item\"><div class=\"qf-label\">Interest Rate<\/div><div class=\"qf-val blue\">15% p.a.<\/div><\/div>\n            <div class=\"qf-item\"><div class=\"qf-label\">Interest Method<\/div><div class=\"qf-val\" style=\"font-size:.88rem\">Reducing Balance<\/div><\/div>\n            <div class=\"qf-item\"><div class=\"qf-label\">Max Repayment<\/div><div class=\"qf-val green\">36 Months<\/div><\/div>\n            <div class=\"qf-item\"><div class=\"qf-label\">Guarantors<\/div><div class=\"qf-val blue\">3 Members<\/div><\/div>\n            <div class=\"qf-item\"><div class=\"qf-label\">Collateral<\/div><div class=\"qf-val green\">Not Required<\/div><\/div>\n            <div class=\"qf-item\"><div class=\"qf-label\">Share + CD Min.<\/div><div class=\"qf-val\" style=\"font-size:.88rem\">10% each<\/div><\/div>\n            <div class=\"qf-item\"><div class=\"qf-label\">Income Proof<\/div><div class=\"qf-val\" style=\"font-size:.88rem\">ITR \/ Salary Slip<\/div><\/div>\n          <\/div>\n        <\/div>\n        <div class=\"warning-box\">\n          <div class=\"wb-title\">\u26a0\ufe0f Important Conditions<\/div>\n          <ul>\n            <li>Maximum loan amount is <strong>\u20b94,00,000<\/strong> under this scheme.<\/li>\n            <li>Share Money and CD must each be at least <strong>10%<\/strong> of the loan applied for.<\/li>\n            <li>Both guarantors must be active, non-defaulting NMD Society members.<\/li>\n            <li>Income proof (3-year ITR or 3-month salary slips) is mandatory.<\/li>\n            <li>2 signed CTS A\/c Payee cheques must be submitted as security.<\/li>\n            <li>Missed EMIs attract penalty charges per Society bye-laws.<\/li>\n            <li>Loan approval is subject to the Managing Committee's decision.<\/li>\n            <li>Pre-closure is permitted; contact branch for applicable charges.<\/li>\n          <\/ul>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a116556 e-flex e-con-boxed e-con e-parent\" data-id=\"a116556\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80397f7 elementor-widget elementor-widget-html\" data-id=\"80397f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\n<!-- HOW TO APPLY -->\n<section class=\"steps-section\">\n  <div class=\"container\">\n    <div class=\"reveal\" style=\"text-align:center\">\n      <div class=\"section-label\">Application Process<\/div>\n      <h2 class=\"section-title\" style=\"margin:auto\">How to Apply for a Personal Loan<\/h2>\n      <p style=\"color:var(--muted);max-width:500px;margin:auto;font-size:.92rem\">The Personal Loan application is straightforward. Follow these steps for a smooth approval and quick disbursal.<\/p>\n    <\/div>\n    <div class=\"steps-grid\">\n      <div class=\"step-card reveal\">\n        <div class=\"step-num\">01<\/div>\n        <h4>Check Your Eligibility<\/h4>\n        <p>Confirm you have the required Share Money and CD (10% each of loan amount), identify 3 eligible guarantors, and gather your income proof documents.<\/p>\n      <\/div>\n      <div class=\"step-card reveal\">\n        <div class=\"step-num\">02<\/div>\n        <h4>Visit the Branch<\/h4>\n        <p>Visit your nearest NMD Society branch. Our staff will explain the loan terms, help you determine the right loan amount, and provide the application form.<\/p>\n      <\/div>\n      <div class=\"step-card reveal\">\n        <div class=\"step-num\">03<\/div>\n        <h4>Submit Application &amp; Documents<\/h4>\n        <p>Fill the loan form completely. Submit all required KYC documents, income proof (ITR\/salary slips), 2 passport photos, and 2 signed CTS cheques.<\/p>\n      <\/div>\n      <div class=\"step-card reveal\">\n        <div class=\"step-num\">04<\/div>\n        <h4>Guarantor Verification<\/h4>\n        <p>Both guarantors must visit the branch or submit signed consent. Their membership and non-default status will be verified by Society officials.<\/p>\n      <\/div>\n      <div class=\"step-card reveal\">\n        <div class=\"step-num\">05<\/div>\n        <h4>Committee Approval<\/h4>\n        <p>The Managing Committee reviews and approves the loan application. This typically takes 2\u20135 working days depending on document completeness.<\/p>\n      <\/div>\n      <div class=\"step-card reveal\">\n        <div class=\"step-num\">06<\/div>\n        <h4>Loan Disbursal &amp; Repayment<\/h4>\n        <p>Upon approval, the loan is disbursed. Start your monthly EMI from the following month as per the agreed repayment schedule \u2014 up to 36 months.<\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7164071 e-flex e-con-boxed e-con e-parent\" data-id=\"7164071\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d883e36 elementor-widget elementor-widget-html\" data-id=\"d883e36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\n<!-- KEY FEATURES -->\n<section class=\"features-section\">\n  <div class=\"container\">\n    <div class=\"reveal\">\n      <div class=\"section-label\">Why Choose NMD Personal Loan<\/div>\n      <h2 class=\"section-title\">Features That Work in Your Favour<\/h2>\n      <p style=\"color:var(--muted);font-size:.93rem;max-width:560px\">The NMD Society Personal Loan is designed to be fair, flexible, and affordable \u2014 a genuine member benefit, not just a financial product.<\/p>\n    <\/div>\n    <div class=\"features-grid\">\n      <div class=\"feat-card reveal\">\n        <div class=\"feat-icon-box fi-blue\">\ud83d\udcbc<\/div>\n        <div class=\"feat-body\">\n          <h4>Up to \u20b94,00,000 Loan Amount<\/h4>\n          <p>With access to up to four lakh rupees, the Personal Loan covers substantial planned expenses \u2014 home renovation, education, wedding, or business investment.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feat-card reveal\">\n        <div class=\"feat-icon-box fi-green\">\ud83d\udcc9<\/div>\n        <div class=\"feat-body\">\n          <h4>Reducing Balance \u2014 Fair Interest<\/h4>\n          <p>Interest is only charged on the outstanding principal each month. Your EMI remains constant but the interest portion reduces \u2014 saving you money every month.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feat-card reveal\">\n        <div class=\"feat-icon-box fi-navy\">\ud83d\uddd3\ufe0f<\/div>\n        <div class=\"feat-body\">\n          <h4>Up to 36 Months Repayment<\/h4>\n          <p>Spread your repayment over 3 years with manageable monthly EMIs. Choose the tenure that best fits your monthly budget and financial comfort.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feat-card reveal\">\n        <div class=\"feat-icon-box fi-gold\">\ud83d\udd13<\/div>\n        <div class=\"feat-body\">\n          <h4>No Collateral Required<\/h4>\n          <p>No property or asset needs to be pledged as security. Your membership, guarantors, and income proof are sufficient \u2014 keeping your assets unencumbered.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feat-card reveal\">\n        <div class=\"feat-icon-box fi-indigo\">\ud83c\udfaf<\/div>\n        <div class=\"feat-body\">\n          <h4>Multi-Purpose Usage<\/h4>\n          <p>No end-use restrictions. Use the loan for home improvement, education, business, wedding, vehicle, medical treatment, or any other legitimate personal need.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feat-card reveal\">\n        <div class=\"feat-icon-box fi-green\">\ud83e\udd1d<\/div>\n        <div class=\"feat-body\">\n          <h4>Member-Centric Lending<\/h4>\n          <p>As a co-operative, NMD Society lends to serve members \u2014 not to profit. Our loan terms are fair, our charges are transparent, and our process is supportive.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feat-card reveal\">\n        <div class=\"feat-icon-box fi-orange\">\ud83d\udcca<\/div>\n        <div class=\"feat-body\">\n          <h4>Builds Your Credit Discipline<\/h4>\n          <p>Timely EMI payments build your repayment record with NMD Society, qualifying you for higher loan amounts and better terms in future applications.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feat-card reveal\">\n        <div class=\"feat-icon-box fi-blue\">\ud83d\udda5\ufe0f<\/div>\n        <div class=\"feat-body\">\n          <h4>Transparent &amp; Computerised<\/h4>\n          <p>Every loan transaction is maintained in a fully computerised system. Your outstanding balance, interest, and repayment history are always accessible at your branch.<\/p>\n        <\/div>\n      <\/div>\n      <div class=\"feat-card reveal\">\n        <div class=\"feat-icon-box fi-navy\">\ud83d\udd04<\/div>\n        <div class=\"feat-body\">\n          <h4>Pre-Closure Option<\/h4>\n          <p>Repay your loan early and save on remaining interest. Pre-closure is permitted with applicable charges as per Society bye-laws \u2014 contact your branch for details.<\/p>\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4736d6a e-flex e-con-boxed e-con e-parent\" data-id=\"4736d6a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b6e8590 elementor-widget elementor-widget-html\" data-id=\"b6e8590\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\n<!-- DOCUMENTS -->\n<section class=\"docs-section\">\n  <div class=\"container\">\n    <div class=\"reveal\" style=\"text-align:center\">\n      <div class=\"section-label\">Documentation<\/div>\n      <h2 class=\"section-title\" style=\"margin:auto\">Documents Required<\/h2>\n      <p style=\"color:rgba(255,255,255,.6);max-width:500px;margin:auto;font-size:.92rem\">Please arrange the following documents before visiting the branch to ensure the fastest possible loan processing.<\/p>\n    <\/div>\n    <div class=\"docs-grid\">\n      <div class=\"doc-group reveal\">\n        <h4>\ud83e\udeaa Identity, Address &amp; Income Proof<\/h4>\n        <ul class=\"doc-list\">\n          <li>Aadhaar Card (mandatory \u2014 ID &amp; Address Proof)<\/li>\n          <li>Voter ID Card \/ PAN Card (additional ID proof)<\/li>\n          <li>Electricity or Water Bill (address proof)<\/li>\n          <li>Rent Agreement + Landlord's ID (if tenant)<\/li>\n          <li>Latest 3 months' salary slips (for salaried)<\/li>\n          <li>3 years' Income Tax Returns \/ ITR (for self-employed)<\/li>\n        <\/ul>\n      <\/div>\n      <div class=\"doc-group reveal\">\n        <h4>\ud83d\udccb Loan &amp; Guarantor Documents<\/h4>\n        <ul class=\"doc-list\">\n          <li>Completed Personal Loan Application Form<\/li>\n          <li>2 recent passport-size photographs (applicant)<\/li>\n          <li>2 signed A\/c Payee CTS cheques (security)<\/li>\n          <li>Active NMD Society Membership passbook<\/li>\n          <li>Guarantor 1: Aadhaar + photo + NMD membership proof<\/li>\n          <li>Guarantor 3: Aadhaar + photo + NMD membership proof<\/li>\n        <\/ul>\n      <\/div>\n    <\/div>\n    <div style=\"margin-top:2rem;background:rgba(240,192,64,.08);border:1px solid rgba(240,192,64,.2);border-radius:15px;padding:1.5rem 2rem\" class=\"reveal\">\n      <p style=\"color:#fff;font-size:.88rem;font-weight:600;margin-bottom:.4rem\">\ud83d\udca1 Pro Tip \u2014 Speed Up Your Application<\/p>\n      <p style=\"color:rgba(255,255,255,.65);font-size:.85rem;line-height:1.7\">Bring <strong>both guarantors in person<\/strong> to the branch along with their complete KYC documents during your initial visit. Applications with complete documentation and in-person guarantors are processed significantly faster \u2014 sometimes within 2 working days.<\/p>\n    <\/div>\n  <\/div>\n<\/section>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d161379 e-flex e-con-boxed e-con e-parent\" data-id=\"d161379\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-820e1f1 elementor-widget elementor-widget-html\" data-id=\"820e1f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\n<!-- FAQ -->\n<section class=\"faq-section\">\n  <div class=\"container\">\n    <div class=\"reveal\">\n      <div class=\"section-label\">Common Questions<\/div>\n      <h2 class=\"section-title\">Frequently Asked Questions<\/h2>\n    <\/div>\n    <div class=\"faq-list\">\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">What is the maximum loan amount available under the Personal \/ Regular Loan?<span class=\"arrow\">\u25bc<\/span><\/div>\n        <div class=\"faq-a\">The maximum loan amount under the NMD Society Personal \/ Regular Loan scheme is <strong>\u20b94,00,000 (Four Lakh Rupees)<\/strong>. The actual loan amount sanctioned depends on the applicant's repayment capacity, Share Money, Compulsory Deposit, and the Managing Committee's assessment.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">What is the interest rate and how is it calculated?<span class=\"arrow\">\u25bc<\/span><\/div>\n        <div class=\"faq-a\">The interest rate is <strong>15% per annum (1.25% per month)<\/strong>, calculated on a <strong>reducing balance basis<\/strong>. Each month, interest is charged only on the outstanding principal \u2014 as you repay your EMIs, the principal reduces and so does the interest charged the following month. This results in significantly lower total interest than flat-rate loans.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">How much Share Money and CD do I need to apply?<span class=\"arrow\">\u25bc<\/span><\/div>\n        <div class=\"faq-a\">Both your <strong>Share Money and Compulsory Deposit (CD) must each be a minimum of 10% of the loan amount<\/strong> you are applying for. For example, if you want a loan of \u20b92,00,000, you need Share Money of at least \u20b920,000 and CD of at least \u20b920,000 maintained with NMD Society.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">How many guarantors are required and who can be a guarantor?<span class=\"arrow\">\u25bc<\/span><\/div>\n        <div class=\"faq-a\"><strong>3 guarantors<\/strong> are required for the Personal Loan. Both guarantors must be <strong>existing, active members of NMD Society<\/strong> with no outstanding loan defaults at the time of application. The guarantors are signing as sureties for your loan repayment \u2014 this is a serious responsibility, and only willing members should be asked to guarantee.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">What income proof is required and what if I don't have ITR?<span class=\"arrow\">\u25bc<\/span><\/div>\n        <div class=\"faq-a\">Salaried applicants must submit <strong>last 3 months' salary slips<\/strong>. Self-employed applicants, business owners, or freelancers must submit <strong>3 years' Income Tax Returns (ITR)<\/strong>. If you don't file ITR, please discuss alternatives with your branch manager \u2014 in some cases, bank statements or other income evidence may be considered at the Managing Committee's discretion.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">Can I repay the Personal Loan before the tenure ends?<span class=\"arrow\">\u25bc<\/span><\/div>\n        <div class=\"faq-a\">Yes. <strong>Pre-closure is permitted<\/strong> for the Personal Loan. Since interest is on reducing balance, pre-paying early saves you the remaining months' interest. There may be applicable pre-closure charges as per Society bye-laws. Contact your branch for the exact pre-closure amount and procedure.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">What happens if I miss an EMI?<span class=\"arrow\">\u25bc<\/span><\/div>\n        <div class=\"faq-a\">Missing an EMI results in <strong>penalty charges<\/strong> as per NMD Society's loan agreement and bye-laws. Continued default may lead to the Society presenting the security cheques for recovery and may affect your and your guarantors' membership standing. If you face financial difficulty, contact the branch <em>before<\/em> missing a payment \u2014 NMD Society will try to accommodate members in genuine hardship.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">How long does the Personal Loan approval take?<span class=\"arrow\">\u25bc<\/span><\/div>\n        <div class=\"faq-a\">The Personal Loan requires Managing Committee approval, which typically takes <strong>2 to 5 working days<\/strong> after all documents are submitted. Ensure your application is complete, both guarantors are verified, and all KYC and income documents are in order to avoid delays. Incomplete applications are the primary cause of processing delays.<\/div>\n      <\/div>\n      <div class=\"faq-item reveal\">\n        <div class=\"faq-q\" onclick=\"toggleFaq(this)\">Can I apply for another loan while I already have a Personal Loan running?<span class=\"arrow\">\u25bc<\/span><\/div>\n        <div class=\"faq-a\">This depends on NMD Society's bye-laws and the Managing Committee's assessment of the member's total outstanding obligations, repayment capacity, and account standing. Generally, members with existing good-standing loans may be considered for top-up or additional facilities subject to eligibility. Please discuss your specific situation with your branch manager.<\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-26f1f41 e-flex e-con-boxed e-con e-parent\" data-id=\"26f1f41\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e3d757e elementor-widget elementor-widget-html\" data-id=\"e3d757e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<script>\n\/* \u2500\u2500 EMI CALCULATOR \u2500\u2500 *\/\nlet selMonths = 18;\nconst fmt = n => '\u20b9' + Math.round(n).toLocaleString('en-IN');\n\nfunction updateLoan(v){\n  document.getElementById('loanLabel').textContent = fmt(v);\n  document.getElementById('loanInput').value = v;\n  updateReq(v); calcEMI();\n}\nfunction syncLoan(v){\n  const val = Math.min(400000, Math.max(10000, parseInt(v)||10000));\n  document.getElementById('loanRange').value = val;\n  document.getElementById('loanLabel').textContent = fmt(val);\n  updateReq(val); calcEMI();\n}\nfunction updateReq(v){\n  const req = Math.round(v * 0.1);\n  document.getElementById('reqLoanDisp').textContent = fmt(v);\n  document.getElementById('reqShare').textContent = fmt(req);\n  document.getElementById('reqCD').textContent = fmt(req);\n}\nfunction setTenure(btn, months){\n  document.querySelectorAll('.ten-btn').forEach(b=>b.classList.remove('active'));\n  btn.classList.add('active');\n  selMonths = months; calcEMI();\n}\nfunction calcEMI(){\n  const P = parseFloat(document.getElementById('loanInput').value)||100000;\n  const r = (parseFloat(document.getElementById('rateInput').value)||15) \/ 100 \/ 12;\n  const n = selMonths;\n  const emi = P * r * Math.pow(1+r,n) \/ (Math.pow(1+r,n)-1);\n  const totalPayable = emi * n;\n  const totalInterest = totalPayable - P;\n  const pPct = Math.round((P\/totalPayable)*100);\n  const iPct = 100 - pPct;\n\n  document.getElementById('emiAmount').textContent = fmt(emi);\n  document.getElementById('emiNote').textContent   = 'For '+fmt(P)+' over '+n+' months';\n  document.getElementById('resLoan').textContent   = fmt(P);\n  document.getElementById('resRate').textContent   = (parseFloat(document.getElementById('rateInput').value)||15)+'% p.a.';\n  document.getElementById('resTenure').textContent = n+' Months';\n  document.getElementById('resInterest').textContent = fmt(totalInterest);\n  document.getElementById('resTotal').textContent  = fmt(totalPayable);\n  document.getElementById('piePrincipal').style.width = pPct+'%';\n  document.getElementById('pieInterest').style.width  = iPct+'%';\n\n  \/\/ amortization\n  const tbody = document.getElementById('amortRows');\n  tbody.innerHTML='';\n  let outstanding = P;\n  for(let m=1;m<=n;m++){\n    const intCharge = outstanding * r;\n    const principalPaid = emi - intCharge;\n    outstanding = Math.max(0, outstanding - principalPaid);\n    const row = document.createElement('div');\n    row.className = 'amort-row';\n    row.innerHTML = `<span>${m}<\/span><span>${fmt(emi)}<\/span><span>${fmt(principalPaid)}<\/span><span>${fmt(intCharge)}<\/span><span>${fmt(outstanding)}<\/span>`;\n    tbody.appendChild(row);\n  }\n  buildCompareTable(P, parseFloat(document.getElementById('rateInput').value)||15);\n}\n\nfunction buildCompareTable(P, annualRate){\n  const tenures = [6,12,18,24,30,36];\n  const r = annualRate\/100\/12;\n  const tbody = document.getElementById('cmpTableBody');\n  tbody.innerHTML='';\n  tenures.forEach(n=>{\n    const emi = P * r * Math.pow(1+r,n) \/ (Math.pow(1+r,n)-1);\n    const total = emi * n;\n    const interest = total - P;\n    const tr = document.createElement('tr');\n    tr.innerHTML = `<td>${fmt(P)}<\/td><td>${n} Months<\/td><td class=\"emi-val\">${fmt(emi)}<\/td><td class=\"int-val\">${fmt(interest)}<\/td><td class=\"total-val\">${fmt(total)}<\/td>`;\n    tbody.appendChild(tr);\n  });\n}\n\ncalcEMI();\n\n\/* \u2500\u2500 FAQ \u2500\u2500 *\/\nfunction toggleFaq(el){\n  const item = el.parentElement;\n  const isOpen = item.classList.contains('open');\n  document.querySelectorAll('.faq-item').forEach(i=>i.classList.remove('open'));\n  if(!isOpen) item.classList.add('open');\n}\n\n\/* \u2500\u2500 REVEAL \u2500\u2500 *\/\nconst io = new IntersectionObserver(entries=>{\n  entries.forEach(e=>{if(e.isIntersecting){e.target.classList.add('visible');io.unobserve(e.target);}});\n},{threshold:.1});\ndocument.querySelectorAll('.reveal').forEach(el=>io.observe(el));\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Up to \u20b94,00,000 15% p.a. Reducing Balance Max 36 Months 3 Guarantors No Collateral Personal \/ Regular Loan Plan your future with confidence. NMD Society&#8217;s Personal Loan gives you up to \u20b94,00,000 at a fair interest rate \u2014 for home improvement, education, Personal \/ Regular Loan Bigger Goals Need Bigger Support The\u00a0NMD Society Personal \/ [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1036","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/pages\/1036","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/comments?post=1036"}],"version-history":[{"count":91,"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/pages\/1036\/revisions"}],"predecessor-version":[{"id":1373,"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/pages\/1036\/revisions\/1373"}],"wp:attachment":[{"href":"https:\/\/web.conceptialmedia.com\/nmdsociety\/wp-json\/wp\/v2\/media?parent=1036"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}