I have plans to avail a personal loan due to urgent need. However, I am bit worried whether it will affect the background check (which might be happening now? by NDVO / CIC ? Not sure) about the proof of fund and may anyhow impact/delay the much awaited PPR. (Because a personal loan would be interpreted as a burden against the proof of fund I have submitted along with application) Btw, My MR is over and was delivered to NDVO on 9th October. Please advise.. Also one more question to those lucky charms who received PPR already; Was there any personal loan in your name when the process was on. Please reply asap.