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Personal loan

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Are you feeling down because of the loss in the business? Thinking about taking a break from work and take the family for a foreign trip? Looking for funds to buy a new machine to increase your profits? Then you are the at the right place. DialaBank provides your loan from top banks and NBFC’s of the country at lower interest rates. You can use the principal loan amount of personal loan in any way you to full-fill your needs. In addition to this, these loans are the fastest way of taking credit from the bank. Therefore, if you are in urgent need of money, you must take this loan and get rid of all the financial problems.

About Amritsar Personal Loan

Amritsar, the birthplace of Sikhism, is a well-known city not just in India but all over the world. The people of Amritsar can now full-fill their dreams by taking a personal loan. See in personal loan bank provides the loan amount to the customer without taking in any collateral against the loan amount. As a result, this loaning scheme is the unsecured way of giving a loan amount to the customer. Furthermore, to avail this loan your CIBIL needs to be right in case your credit or CIBIL is below the required number no matter what bank won’t be able to provide you the loan amount.

Documents & Eligibility Features & Benefits Personal Loan Interest Rates

 

Why should one avail Personal Loan Amritsar?

  1. See when looking for a loan our there are two main concerns one is the loan amount, and the other is the interest rate. With a personal loan, you will get a lower interest rate in comparison to another loaning scheme in which you don’t need to deposit any collateral
  2. Also, the process of documentation is hassle-free and fast.

  3. Thus, if all your submitted documents meet the bank criteria, your application will get approval within 30 minutes.
  4. The loaning amount can go all the way up to 40 Lacs and starting from 40,000Rs.
  5. The personal loan comes with flexible repayment options. Furthermore, the bank lets you decide how you want to repay the loan amount.
  6. The processing cost of the personal loan is only about 2-3% of the total loan amount.
  7. Both salaried and self-employed applicant is eligible to take this loan and use it according to their needs.

 

Personal Loan interest rate Amritsar

One thing you should keep in mind before availing this loan is the rate of interest will be fixed and won’t change throughout the loaning tenure. Speaking of Loaning tenure, you can get a loan for about two years to 5 years.

Personal Loan comes with a foreclosure feature. That is you can close the loan before time and save a buck or two. You only need to pay the remaining loan amount along with the foreclosure penalty. 0-3% is the total loan amount of the forecloser charges that you need to pay if you are availing for foreclosure.

SALARIED INDIVIDUALS

Name Of The Bank CAT A CAT B Others Apply For
HDFC 14.5%- 19% 14.5%-19% 21% HDFC Personal Loan
SBI 14.75% 14.75%-20% 14.75%-18% SBI Personal Loan
AXIS Bank 15% 17% 19%-23% AXIS bank Personal Loan
Bank Of Baroda 15.50% 16% N.A. Bank Of Baroda Personal Loan
Fullerton India 17% 20%-22% 20%-28% Fullerton Personal Loan

 

Eligibility for taking Personal Loan Amritsar

For the salaried applicant:

  1.  Age of the applicant has to be in between 21- 61 years.
  2. Also, the borrower must have a bank account, and his/her salary needs to come to a bank account.
  3. The minimum salary on which bank provides this loan is 18,000 Rs per month.
  4. Likewise, an applicant must be working with the current employment company for about one year.
  5. In addition to this, the applicant needs to have one year of working experience.
  6. Finally, this is one of the most important criteria that a bank requires it’s the CIBIL score. The bank needs 750 as the minimum CIBIL or credit score from the applicant.

For the self-employed applicant:

  1. For the independent applicant, the bank has set the age criteria ranging from 25 years to 65 years.
  2. Also, the business of the applicant needs to be working for at least three years.
  3. Moreover, the business needs to be yielding at least 30 Lacs as an annual turnover.
  4. Furthermore, the ITR of the applicant should be more than 2.5 Lac for the past three years.

Required Documentation for availing Personal Loan Amritsar

Salaried Individual Self Employed People
Latest 2 month salary slips Last 2 years Balance Sheet
Last 2 year Form 16 Last 2 Years ITR
Latest 6-month bank statements
Photocopy of Pan Card
Residence & Address Proof
2 passport size photographs

 

How does Dialbank help you?

  1. Firstly, our service is free of cost.
  2. Yes, you heard it right you don’t have to pay anything in return for our expertise.
  3. Furthermore, with DialaBank you will surely be getting a lower interest rate.
  4. It’s our responsibility that you get a high loan to value ratio on your mortgage.
  5. Moreover, there are no hidden charges. Our whole line of services is entirely transparent.
  6. Customer satisfaction is our priority.
  7. We provide you deals and offers on your loan which you can easily avail near your location thus saving your traveling time.

About Amritsar:

Amritsar, meaning the “Pool of the Nectar” is one of the ancient and interesting cities of India. It is home to the Golden Temple or Harmandir Sahib, the religious and social center for the Sikh religion.

Special Note: Bank does not provide Personal Loan to poor credit holders. However, one can fulfill their financial requirement with a Gold Loan easily.

 

 


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PERSONAL LOAN INTEREST RATES

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