Best Banks for Personal Loan Gurgaon
Feature
HDFC Bank
Private Bank
Bajaj Finance
Interest Rate
10.75% - 17%
11.25% - 18.5%
0.12
Min Loan Amt
Metro : 75000 & Non Metro: 50000
50000
100000
Max Loan Amt
50 Lacs
50 Lacs
1 Cr
Loan Tenure
1 - 5 Years
1 - 5 Years
1 - 5 Years
Processing Fee
0.25% - 2% of the Loan Amt
1% - 2.5% of the Loan Amt
Preclosure Charges
2%, Nil foreclosure charges after 12 months
2%, Nil foreclosure charges after 24 months
Nil
Overdraft Facility
No
No
Yes
Personal Loan Gurgaon Features
A Personal loan needs a good credit history and a very nice and constant source of income because it is an unsecured loan and that is why the interest rates on personal loans are also higher.
Maintain your CIBIL score to get the personal loan process quicker, smoother and if you apply through Dialabank which provides the best service in the city, you can get some of the best offers on a personal loan Gurgaon which have affordable interest rates and we will take care of the hectic documentation process too.
The personal loan amount can be used in many ways depending upon your desire and there is no restriction on how to utilize it.
Personal Loan Gurgaon Interest Rates
To apply for a personal loan and to know more click on Personal Loan
To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates
Bank
Processing Fee
HDFC Bank Personal Loan
0.25% to 1.50%
Axis Bank Personal Loan
0.50% to 1.50%
Nil
Private Bank Personal Loan
0.25% to 1.50%
SBI Personal Loan
500/- to 0.50%
Nil
Kotak Personal Loan
1% to 2%
IIFL Personal Loan
Nil
Nil
Muthoot Personal Loan
Nil
Nil
Manappauram Personal Loan
Nil
Nil
PNB Personal Loan
0.70% to 1%
Nil
Canara Bank Personal Loan
0.01
Nil
Andhra Bank Personal Loan
Nil
Nil
Documents Required for Personal Loan Gurgaon
Salaried Customers:
- Identity proof (Aadhar card/driving license/Voter Id) of the individual applying for a loan.
- Salary slips of last 3 months and Bank statements for the last six months
- PAN Card and Residence Proof (Owned/Rented/Company provided) of the person along with 2 Passport-sized photographs.
*NOTE: In case of rented apartments, rent agreement needs to be attached.
Self-Employed Customers:
- All financials including Balance Sheet, P&L Statement as well as ITR files.
- PAN Card, Aadhar Card is a must.
- Residence Proof( Current and Permanent) with Two passport-sized photographs
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Gurgaon Eligibility Criteria
Click here to know all about personal loan eligibility
Salaried Applicants
- The minimum age needed of the individual should not be less than 21 years and maximum up to 60 years and the applicants must also need to have the 3 years’ work experience and the salary should be received in their accounts only.
- Very good credit history and a minimum salary of INR 25,000 per month with the job location mentioned.
Click here to know more about: personal loan for Salaried Applicant
Self-Employed Applicants
- The minimum age requirement for an independent person should be At least 25 years and should have the previous 3 years’ file of ITR and if applicants are the businessman, then the business should be active from the last 3 years.
- The credit score of the individual should be very good with no debt or dues left and need to have an annual income of Rs 2.5 lakh only and also submit his financial and his bank statement of the previous 3 months.
Click here to know all about: personal loan for self-employed Applicant
Why Apply for Personal Loan Gurgaon?
- Any mortgage and collateral security is not required by the bank and you can use loan amount the way you want to and spend freely and the amount of personal loan depends upon the repayment capacity of that particular applicant.
- A Personal Loan does not require any kind guarantor or nominee making it a more attractive loan to avail.
How to apply for Personal Loan Gurgaon?
- Visit our website to apply online either from a mobile or pc by clicking on Dialabank.
- Go to the loan section of the site and click on the personal loan link available there.
- The applicant will be directed to all details of the personal loan he/she needed where they can choose their preferred city.
- For any information and free guidance on a personal loan, you may call on 9878981166 any time, any day.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fees / Prepayment Charges on Personal Loan Gurgaon
Every lending institution charges a very small fee for processing your Personal Loan application immediately. These charges are 1% of the loan money to the person.
If you close your loan before the loan tenure, then the lending institution charges you a penal prepayment fee for doing this thing. Mostly you cannot close your loan before 12 months of the period loan. After this, the charges vary depending on how many years the loan has been done. These charges vary from 4% of the outstanding personal loan amount of the applicant in the 2nd year to 2% in the 4th year of the personal loan.
To know and compare the interest rate for the personal loan, just click on personal loan interest rate
Personal Loan EMI Calculator Gurgaon
Equated Monthly Installments also know as EMI are the monthly fixed charges that you pay to the bank as monthly repayment for the loan amount borrowed from the bank. Based on the profile you have, the interest rate on your loan is determined easily. Your EMI is calculated on the basis of the Interest Rate you are charged by the lending institution according to your income and loan period.
CIBIL Score required for Personal Loan Gurgaon
Every lending institution has its evaluation criteria for the minimum CIBIL score required for processing a Personal Loan application Gurgaon to avoid the risks. Most institutions require a bare minimum score of 750 to process your loan application in the shortest time.
The institutions look at the overall score of the applicant like detailed behavior on the previous loans taken which is necessary to minimize risks which include details on all the types of loan taken and the amount borrowed in the past by the individual. Any delayed payments for previous loans can act as a further barrier to your availing a fresh loan, so better have a very good CIBIL score.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Gurgaon Agents/Broker
Dialabank has one of the leading agents/brokers for availing Personal Loan near you in Gurgaon. You can apply online at www.dialabank.com or give a call at 9878981166 to avail of the offers.
Dialabank has a top major agent in the city, assists you to find the best option of Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right decision. Visit the website www.dialabank.com and fill a form with your details and our customer relationship managers will contact you.
Personal Loan Gurgaon Contact Number
Call 9878981166 and get instant help and approval for Personal Loan Gurgaon at any instant.
Pre Calculated EMI Table for Personal Loan Gurgaon
Click here to know about personal loan EMI calculator
About Gurgaon
Gurgaon is a city of New Delhi(capital) in northern India. It’s called a financial and technology hub of the country. The Kingdom of Dreams is a large complex for many theatrical shows. Sheetala Mata Mandir is an orange-and-white-striped Hindu temple here. The Vintage Camera Museum showcases cameras and prints spanning century memory. West of the city, Sultanpur National Park for hundreds of bird species in the city.
FAQs About Personal Loan Gurgaon
✅ Who can apply for a Personal Loan Gurgaon?
People who want money for some purpose but have a regular source of income can apply for a Personal Loan Gurgaon.
✅ What is the tenure of Personal Loan Gurgaon?
Most of the major and minor Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years, while some banks extend the maximum period to 7 Years also, in which tenure is fixed and cannot be extended any further. The repayment has to be done in EMIs within the agreed tenure of the loan period in personal loans.
✅ Are there any other charges involved in Personal Loan Gurgaon?
Yes, there are 2 types of charges that one needs to pay in order to avail a personal Loan Gurgaon
Processing Fee: For every bank or lending institution that you borrow your personal loan from, there is a small fee that they will charge from the customer to process the loan, which is known as Processing Fee and the amount varies for each lending institution and is normally 1% of the loan amount pf the person.
Pre-closure Charges: When you close a running loan before its agreed tenure period, the Banks and NBFCs charge an extra amount as pre-closure charges on the loan and the charges depends on the bank because it varies depending on how many years has your loan completed before you decide to pre-close it.
✅ Can my application for Personal Loan Gurgaon get rejected due to my CIBIL score?
A personal loan requires you to have a good CIBIL score and also you should maintain your credit history. If you fail to pay your EMI or have debt or dues, your score will go down and this can impact your loan application too, so try to maintain a good CIBIL score.
