Get a personal loan without any security or guarantor with minimum documentation. Loan Disbursement within 72 hours* of document submission. Interest rate remains unchanged throughout the loan tenure. Simple documentation - It can be accessed with minimal paperwork and documentation and doesn't take much time End use of the Aradhana Group Nidhi Limited can be House renovation, Holidays, Purchase of consumer durables, Education, Marriage, Short Term loan for equipment purchase, Short Term Working Capital, Any other personal emergency. A personal loan is a short to medium term unsecured loan (no collateral) that you can use to meet current financial needs. Though most commonly used to meet expenses related to debt restructuring, vacations, unexpected medical expenses and down payments.