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Personal loan

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Are you eligible for getting a Personal Loan from any financial institution? There are some Eligibility Criteria regulated by Banks to get a loan. You must be eligible if you want finance to meet your requirement. Check your Eligibility in 1 minute. Apply Online and get Dialabank for you.

Eligibility Criteria For Personal Loan

Eligibility

Not everyone can get a personal loan. there are some criteria on the basis of them the bank provide a personal loan to the applicants. Let us discuss them.

There are two categories of the applicants.

  1. Salaried
  2. Self-employed

There are different criteria for both categories. Let us see both of them one by one.

Salaried

  1. First of all the age of the applicant should be more than 21 years.
  2. After that he/she should be earning Rs. 18000 per month at least.
  3. After that, the applicant should have the work experience of 3 years at least.
  4. After that he/she should be getting the salary in his/her bank account.
  5. The credit history of the applicant should be good.

Self-employed

  1. If the applicant is self-employed than his/her age should be 25 years at least.
  2. He/she should be filing ITR for last three years at least.
  3. His/her CIBIL score should be good.
  4.  
  5. The ITR should be of Rs. 2.5 Lakhs per annum at least.

Salaried People
Parameters Metro Tier-2 Tier-3 Tier-4
CitizenShip Indian Same as Metro Same as Metro Same as Metro
Minimum Age 21 Yrs Same as Metro Same as Metro Same as Metro
Maximum Age 58 / 60 Years at
Loan Maturity
Same as Metro Same as Metro Same as Metro
Salary 18,000 12,000 10,000 10,000
Experience Overall 3 years Same as Metro Same as Metro Same as Metro
Telephone / Mobile Mandatory Mandatory Mandatory Mandatory
Current Experience One year One Year One Year One Year
Salary in Cash Not Applicable Same as metro Same as Metro Same as metro

 

Self Employed People
Parameters Metro Tier-2 Tier-3 Tier-3
Citizenship Indian Same as Metro Same as metro Same as Metro
Minimum Age 25 /28 Yrs Same as Metro Same as metro Same as Metro
Maximum Age 65 Year at the
Loan Maturity
Same as Metro Same as metro Same as Metro
ITR required 2.5 lakhs - 3.0 Lakh Same as Metro Same as metro Same as Metro
Residence Office or Home
should be Owned
Same as Metro Same as metro Same as Metro
Telephone / Mobile Mandatory Mandatory Mandatory Mandatory
Business Stability Business Should be running
from last 3 years
Same as Metro Same As metro Same as Metro

 

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

 

  1. Axis Bank Personal Loan
  2. SBI Personal Loan
  3. PNB Personal Loan
  4. ICICI Bank Personal Loan
  5. Citibank Personal Loan
  6. Bandhan Bank Personal Loan
  7. Personal Loan from other banks