Personal Loan Darbhanga

Best Banks for Personal Loan in Darbhanga

Personal Loan in Darbhanga Features

In need of money for the purchase of essentials? Or facing issues for money for the renovation work? Here is the solution, you can avail of the personal loan. This loan is an instant loan that can be provided without any collateral pledge and for your immediate needs.

This loan can be used as funds as per your requirement. The personal loan is provided to those individuals who are having good cibil scores or reputed credit history.

Personal Loan Darbhanga is an unsecured loan genre that provides immediate financial aid to the applicants at affordable interest rates. To apply for a Personal Loan, the applicant needs to show proof for having a rigid and stable income and good loan history.

Moreover, there is no foundation on the use of the amount of personal loan. Users can use this loan amount anywhere they want to do.

Personal Loan in Darbhanga Interest Rates and Charges

To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates

Personal Loan in Darbhanga Documents Required

Salaried Customers:

1. Any Identity proofs (Aadhar card/driving license)
2. Salary slips of the past three months
3. Bank statements (last six months)
4. PAN Card Copy.
5. Address Proof (Owned/Rented or Company provided)
6. Passport-sized photographs X 2

*NOTE: Rent agreement needs to be attached in case of rented apartments

Self-Employed Customers:

1. Financials (Balance Sheet, P&L Statement and ITR files)
2. PAN Card Copy
3. Aadhar Card 
4. Residence Proof
5. Two passport-sized photographs

Personal Loan in Darbhanga Eligibility Criteria

The Personal Loan Eligibility criteria are different for both Salaried and Self-Employed:

Salaried Applicants

1. Age Limit is 21-60 Years.
2. The applicants must be having work experience of a minimum of three years. Also, the salary should be received in their accounts only.
3. The applicant must be having a good credit history.
4. The job location of the applicant needs to be mentioned.
5. Applicants must have an income of minimum INR 25,000 per month.

Click to know more about- Personal Loan Salaried Applicant.

Self-Employed Applicants

1. The minimum age required is 25 years.
2. The applicants should have filed the ITR for the last three years.
3. The business should be running from the last three years if the applicants are the businessman.
4. The individual applicants should have a good credit score. Also, there should not be any debt or dues left.
5. The annual income needs to be a minimum of Rs 2.5 lakh.
6. In the entire documentation process, the applicants need to submit their financial and bank statements of the past three months.

Click here to know more –Personal loan Self-employed Applicant.

Why Apply for Personal Loan Darbhanga?

1. There is no need to deposit any mortgage and collateral security to the bank.
2. A personal loan is a multi-purpose offer loan. It can be used for all the problems related to finance.
3. The amount of personal loan depends upon the repayment of individual income and capacity.
4. A Personal Loan does not require any guarantor or nominee.

How to apply for Personal Loan Darbhanga?

1. Visit Dialabank.
2. Go to the loan section and click on the personal loan link.
3. The applicant will be directed to all personal loan details where they can choose their preferred city.
4. For more information and free guidance, you may call on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Darbhanga

Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges vary between 1% of the sanctioned loan amount.

In case you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. Post that the charges vary depending on how many years the loan has done. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the loan’s 4th year.

Personal Loan Darbhanga EMI Calculator

Equated Monthly Installments, also known as EMI are the monthly fixed charges you pay to the bank as monthly repayment for the loan amount borrowed. Based on your profile, the interest rate on your loan is determined. Your EMI is calculated basis the Interest Rate you are charged by the bank and the amount of loan you have to take and the period for which you enjoy the loan. The Personal Loan EMI Calculator is as follows:

CIBIL Score required for Personal Loan Darbhanga

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Darbhanga. Most institutions require a minimum score of 750 to process your loan application.

The institutions don’t just look at the overall score and the detailed behaviour on the previous loans. This includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your availing a fresh loan.

Personal Loan Darbhanga Agent and Contact Number

Dialabank is one of the leading agents for availing Personal Loan Darbhanga. You can apply online at Dialabank or give us a call at 9878981166

Dialabank also helps you find the best option of Personal loan Darbhanga Banks by providing you with a vast market comparison of different banks to make the right choice. Visit our website Dialabank and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

Call 9878981166 to get instant help and approval for Personal Loan Darbhanga.

Pre Calculated EMI Table for Personal Loan Darbhanga

About Darbhanga

Darbhanga is a Municipal Corporation in the Indian state of Bihar. It is the Darbhanga district’s headquarters and the Darbhanga division and was the seat of the Raj Darbhanga and capital of the Mithila region.

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