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What is the purpose of your personal loan and do you have other plans running?

No loans till date this is my first one, need it for home but I can't take home loan due to some documents

ICICI offers an overdraft facility. See if you can get that. I don't think 10L will be possible but you should be able to get a part of it on overdraft if it's offered to you

From HSBC you will get 9.99 ROI

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