A Personal Loan is a form of a loan which can be procured for personal expenses. Personal expenses can be marriage, buying major household items like furniture, renovation of home and organization of a family trip and many others. Under this loan, one can effectively come across sudden financial needs without involving any collateral.

Why should one apply for Personal Loan Saharanpur?

  1. Easy Documentation- The process to apply for a personal loan is very easy and hassle-free.
  2. Rates of Interest- Rates of interest are very low and rational.
  3. Quick Disbursal- There is a need to wait for so long. If you are eligible and have all the documents, then you will get a loan to disburse within a day.

Personal Loan Saharanpur Eligibility

Not every person can apply for a personal loan. There are some eligibility criteria on the basis of which the bank provides a personal loan to the applicant. There are two categories of applicants:

  1. Salaried
  2. Self-employed

There are different eligibility criteria for both applicants.

Salaried Applicant:

  1. The age of applicant should be minimum 21 years and maximum up to 60 years.
  2. If the applicant is residing in a metropolitan city then they should have a minimum income of Rs 18,000. And if the applicant is from the non-metropolitan city then they should have the minimum income of Rs 12,000.
  3. The applicant should have the work experience of the last three years and the salary should come in their account only.
  4. If a applicant is applying for the personal loan then they must have a good credit history and credit score should be more than 650.
  5. The documentation process is easy they just have to submit their bank statement of the last three months and the salary slip of the last six months.

Self-employed Applicant:

  1. If a applicant is self-employed than the age of the applicant should be minimum 25 years and maximum up to 65 years.
  2. The applicant should file ITR for the last three years.
  3. The credit score of the applicant should be good and no debt should be left due.
  4. The ITR which the applicant files should be of Rs 2.5 lakhs per annum at least.
  5. And the applicant is having a business than his business should be running from the last three years.

Personal Loan Saharanpur Documents

  1. When the applicant applies for the personal loan after that, they have to submit some of the documents. These are:
  2. The applicant has to submit their identity proof which includes aadhaar card, passport, voter card,  driving license.
  3. Two colored photographs
  4. They have to submit residence proof which includes updated passbook, aadhaar card, passport, voter card, etc. And if the applicant is living in a rented apartment, then they have to submit their rental agreement, electricity bill which has to be in the name of the applicant and the address of the owner.
  5. They have to submit their PAN card which is an essential document under the KYC formality.
  6. If the applicant is a salaried one, then they have to submit their salary slip of the last three months and the bank statements of the last six months.
  7. And if the applicant is a self-employed then they have to submit the ITR of the last three years and registration of their business should be done.


Self Employed

Last 3-months salary slips

Last 3 years ITR

Latest 6-month bank statements of salaried account

Latest 6-months bank statements of current account

Photocopy of Pan Card

Residence & Address Proof

2 passport size photographs






Personal Loan Saharanpur interest rates


Interest Rates

Processing Fees


10.99% to 18%

2% to 2.5%


13.99% to 18%


Fullerton India

17.25% to 32%

2% to 3%

Bajaj Finserv

13.99% to 16.75%

2% to 3%







Personal Loan Saharanpur Tenure

The tenure of the personal loan is from 1 year to 5 years.

Personal Loan Saharanpur Benefits

  1. There is no need to put any property or asset as collateral to the lender.
  2. It involves simple procedures and fast loan approvals.
  3. It is a multi-purpose Loan that can be used for almost all financial problems of life.
  4. The loan amount is based upon the income and the repayment capability of the person.

Benefits of getting a loan through Dialabank

  1. Lowest interest rates.
  2. Instant Approval in 2 hrs.
  3. Easy Documentation and flexible loan tenure.
  4. Get a dedicated helpline for your loan enquires.

About Saharanpur

Saharanpur is a city in Uttar Pradesh state in northern India. It serves as the administrative headquarters of Saharanpur District. This city is famous for its wood carving cottage industry. There are many other industries like paper, sugar, textiles, and cigarette located in the city.



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