Securing a loan through Shubhbank whether for a personal use or for any other emergency situation will help you to take an advantage of opportunity. You must follow the guidelines and it will help you to get the perfect loan for your specific needs. Before applying for a loan you must be sure about meeting the basic criteria for loan, how much you can borrow sensibly, reasonable repayment term, credit report and ways to improve credit rating. The basic qualifications to secure a loan is you must be over 18 years old, ID and residence proof, salary slip and PAN card number. Having a good credit report and clear evidence you can cover your monthly repayments at lucrative interest rates. You can avail any type of loan within few days with minimum documentation required.