Personal Loan Begusarai

⋆ Interest Rate 9.99% ⋆

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        Rates as low as 9.99%*
        Loans Up to 30 Lacs
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        Personal Loan Begusarai

        Best Banks for Personal Loan in Begusarai

        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
        0.5% - 2% 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 in Begusarai Features

        Personal loan BegusaraiFacing a shortage of cash? No need to worry as a Personal Loan is the best way financial aid that can be availed in no time. At a reasonable rate of interest and minimum documentation, avail of a personal loan through DialaBank in just a few simple steps.

        Personal Loan Begusarai is a type of unsecured loan which does not require any deposition of collateral or mortgage. This nature of loan makes it flexible and convenient to meet your financial needs at any time.

        Personal Loan in Begusarai Interest Rates and Charges 

        Bank Processing Fee
        Prepayment Charges
        HDFC Bank Personal Loan 0.25% to 1.50%
        2%, Nil foreclosure charges after 3 months
        Axis Bank Personal Loan 0.50% to 1.50% Nil
        Private Bank Personal Loan 0.25% to 1.50%
        2%, Nil foreclosure charges after 9 months
        SBI Personal Loan 500/- to 0.50% Nil
        Kotak Personal Loan 1% to 2%
        2.25% of fore closure amount if closed 1 month ahead of the tenure.
        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

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

        Personal Loan in Begusarai Documents Required 

        Salaried Customers:

        1. Salary slips of last three months
        2. Bank statements for the last 6 months
        3. Identity proof (Aadhar card/driving license)
        4. Residence Proof (Owned/Rented/Company provided)
        5. Passport-sized photographs – 2
        6. PAN Card

        *NOTE: In the case of rented apartments, a rent agreement needs to be attached.

        Self-Employed Customers:

        1. Two passport-sized photographs
        2. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
        3. PAN Card
        4. Proof of Identity such as Aadhar Card/ Driving License/ Passport copy, etc.
        5. Residence Proof

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Personal Loan in Begusarai Eligibility Criteria

        The personal loan eligibility criteria for both Salaried and Self-Employed are different:

        Salaried Applicants

        1. The age of the applicant should be minimum of 21 years and a maximum of 60 years.
        2. The applicants must have three years’ work experience, and the salary should be received in their personal accounts only.
        3. The applicants must have an excellent credit history.
        4. The job location of the applicant should be mentioned.

        Self-Employed Applicants

        1. The applicants applying for the personal loan should file ITR for the last three years.
        2. The minimum age requirement for an applicant is 25 years.
        3. The whole documentation process of the personal loan is the applicants have to submit his financial and his bank statement of the previous three months.
        4. The credit score of the individual applicants should be good .there should not be any debt or dues left.
        5. If the applicants are the businessman, then the business should be running from the past three years.
        6. The annual income of the applicants should be a minimum of Rs 2.5 lakh.

        To know more

        Why Apply for Personal Loan Begusarai?

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

        How to apply for a Personal Loan Begusarai?

        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 need to fill in all the necessary details and choose their preferred city.
        4. Our relationship managers will then assist you accordingly
        5. For more information and free guidance, you may call on 9878981166.

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Processing Fee / Prepayment Charges on Personal Loan Begusarai

        Banks and NBFCs charge around 1% of the sanctioned loan amount. to the borrower as prepayment charges or processing fees.

        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. Thereafter, 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 4th year of the loan.

        Personal Loan Begusarai EMI Calculator

        Equated Monthly Installment, also known as EM, is the monthly fixed charges you pay to the bank as monthly repayment for the loan borrowed.  The interest rate is dependent on your profile as well as CIBIL score. Your EMI is calculated using personal loan EMI calculator 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.

        To know more about EMI Calculator, click here: Personal Loan EMI Calculator

        CIBIL Score required for Personal Loan Begusarai

        Every bank has its own parameters for the minimum CIBIL score required for processing a Personal Loan application in Begusarai. However, most institutions require a minimum score of 750 to process your loan application.

        The institutions don’t just look at the overall score but also the detailed behaviour on credit history which includes details on the type of loan taken and the amount borrowed. In addition, any payment delay for previous loans can be a barrier to your availing of a fresh loan.

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Personal Loan Begusarai Agents

        Dialabank is the leading agent for availing Personal Loan in Begusarai. You can apply online at Dialabank or give a call at 9878981166

        Personal Loan Begusarai Contact Number

        Call 9878981166 and get Instant Personal Loan in Begusarai.

        Pre Calculated EMI Table for Personal Loan Begusarai

        Rate
        5 Yrs
        4 Yrs
        3 Yrs
        10.50%
        2149
        2560
        3250
        11.00%
        2174
        2584
        3273
        11.50%
        2199
        2608
        3297
        12.00%
        2224
        2633
        3321
        12.50%
        2249
        2658
        3345
        13.00%
        2275
        2682
        3369
        13.50%
        2300
        2707
        3393
        14.00%
        2326
        2732
        3417
        14.50%
        2352
        2757
        3442
        15.00%
        2378
        2783
        3466

        About Begusarai

        Begusarai is a city in the state of Bihar. The major source of the economy of the place is through agriculture.

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