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Thinking about taking a loan but don’t have any collateral? Are you suffering from a massive loss in your business? Are you looking for a way to take your family on a foreign trip without having to spend your savings? Then we have a piece of good news for you. What if we tell you, you can do all this by just one loaning scheme? Won’t you believe it right? But that’s the truth of Personal Loan. You can spend the principal amount of personal loan in any way you like. You don’t need to specify the reason for taking a personal credit to the bank.
About Personal Loan Amravati
See as the name suggest personal loan is the loaning scheme in which bank provides you the loan amount without taking in any collateral. Thus, making it an unsecured way of delivering the required funds to the applicant.
For availing personal loan, your CIBIL needs to be good if in case your CIBIL or credit is not up to the bank standards you are not eligible for this loaning scheme. If you are in urgent need of money, then a personal loan is the option for you as its disbursal takes about 48 hours or less which is faster in many cases then other loaning schemes.
Why Personal Loan Amravati?
- It does not require any cosigner or guarantor.
- The loan is offered to salaried and self-employed people.
- It is a simple and safe loan scheme for raising funds in times of need.
- There is no need to pledge any valuable commodity as collateral to borrow money.
Who Are Eligible for Personal Loan Amravati?
Salaried, self-employed people and self-employed professionals are eligible for availing a personal loan.
For Salaried applicant:
- Firstly, the applicant needs to be an Indian Citizen to avail of this loan.
- Also, your monthly salary should be above 18,000 Rs, and it needs to come to the bank account.
- Most importantly your CIBIL or credit score needs to be more than 700 to avail this loan.
- The age criteria for this loan is 21 years to 61 years.
- Moreover, you need to be working with the current company for more than a year.
- On the other hand, as a borrower, you must have at least two years of working experience
For Self-employed applicant:
- Firstly, in the case of the self-employed bank the age to apply ranges from 21 years to 65 years.
- Your Business needs to be up and running for about three years at least.
- In addition to this, the annual turnover needs to be more than 20 Lacs.
- You must be filing your ITR, and the amount should be more than 2.5Lacs.
- Finally, your CIBIL needs to be good, i.e. it has to be at least 750 at the time of applying.
Personal Loan Interest Rate Amravati
10.75% is the lowest rate of interest that you can get on Personal Loan from banks. Also, once your rate of interest is settled, it will remain the same throughout the tenure period.
There’s one more feature that you should keep in mind before applying for the loan is the foreclosure facility. You can close your loan before the tenure and save some of your money by skipping the remaining Emi’s and their respective rate of interest.
Documentation required for taking Personal Loan
- As a borrower, you need to provide your identity proof to the bank here. Given below are the list of documents which you can use as an identity proof Aadhaar Card / PAN Card/ Voter ID Card/ Passport/ Driving License.
- In addition to this, you need to have a residential proof. You can use any of the given documents as your residence proof Aadhar card, PAN card, Driving license, voter ID card or your passport. Utility bills of last three months on the name of applicant/ Rent Agreement in case you are paying rent.
- For a salaried applicant, the borrower needs to provide six months of banks statement along with six months of salary receipt.
- Likewise, for self-employed applicant bank ask for past 1-year ITR documents and audited financial papers of the business.
Why should you choose Personal Loan?
- See when looking for a loan we always try to find the loan which comes with the lowest interest rate.
- Personal Loan interest rates are the lowest in the market. No other collateral free loaning scheme stands against its interest rates.
- The documentation process of these loans is quite fast and is hassle free.
- Furthermore, if all your documents are completed and meet the bank’s criteria, your application gets approval within 30 minutes of applying.
- This loan comes with flexible repayment options
- Also, a personal loan is beneficial for both self-employed applicant and the self-salaried applicant.
How to Apply?
Anybody can apply quickly for Personal Loan online within 2 minutes. The process of application is straightforward and fast.
- Visit www.dialabank.com.
- After that, apply for a Personal Loan online.
- Enter your contact number so that we can contact you back.
Dialabank is one of the best platforms to apply for a personal loan as we provide you all kinds of loan at a very affordable rate of interest.
Amravati is a city in Maharashtra. It is the 7th most populous metropolitan area in the state. There are various historical landmarks in the city like temples of Amba, Shri Krishna, and Shri Venkateshwara. There are two lakes in the eastern part of the city, Chhatri Talao & Wadali Talao and the city is growing as an industrial center, with cotton mills leading the way.
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