Best Banks for Personal Loan Bijapur
1% - 2.5% of the Loan Amt
Personal Loan Bijapur Features
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Personal Loan Details
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| Interest Rate |
10.75% to 24% p.a.
|
| Processing Fees | 0.5-2.5% |
| Loan Tenure |
1 year to 5 years
|
| Pre-closure Charges | 2% - 5% |
| Guarantor Requirement |
No guarantor required
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An individual credit is one of the most extremely reliable money-related contributions, which is of splendid significance in a web-orientated global. However, it is basically an unstable credit that doesn’t contain any of the borrower’s possessions to be kept as a piece of security with the bank or the money-related organization endorsing his own advance sum.
You could whenever go for a private advance if there should be a cash emergency or some other financial difficulties winning in the hover of family members. An individual home loan is benefited to fulfill any of the non-open wants to go from your children’s education or your little girl’s marriage or any clinical issues running for your hover of family members, etc. an individual advance is one of the most straightforward and maybe a convenient procedure of having coins close by right away.
There stands no stop-use limitation on the utilization of the private advance sum. You could utilize this advance amount wherever you need to do. Credits are short, brief, and easily helpful. Those credits are, in fact, a gift for all those experiencing financial emergencies and are not getting an approach to fulfill their non-open needs. Those obligations are unstable in nature and require less office work.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Bijapur Interest Rates – Apr 19 2024
| Name of the Bank | Interest Rate Range | Processing Fee Range | Loan Amount | Tenure |
| Private Bank | 11.59% - 18.49% (Fixed) | 2.25% (min. Rs.1149) One time fee | Rs.20 lakh (Max) | 1-5 Years |
| CitiBank | 10.99% - 15.99% (Fixed) | 1% to 2.5% | Rs.30 lakh (Max) | 1-5 Years |
| Kotak Mahindra Bank | 10.99% to 24% p.a. | Up to 2.5% of the loan amount along with GST or service tax | Rs.50,000 to Rs.15 lakh | 1 to 5 Years |
| Fullerton India | 11.99% to 23.99 p.a. | Information not provided. | Up to Rs.20 lakh for salaried and up to Rs.30 lakh for self-employed individuals | 1 to 4 Years |
| Bank of Baroda | 11.35% - 14.35%Fixed | Rs.1,000 to Rs.10,000 (One time fee) | Rs.20,000 - Rs.2 lakh | 4 Years (Max) |
| State Bank of India | 12.90% - 14.90% (Fixed) | 1% (One time fee) | Rs.24,000 - 15 lakh | 5 Years |
| Aditya Birla | 11.5% - 13.25% (Fixed) | Nil | Rs.30 lakh (Max) | 1-5 Years |
| Allahabad Bank | Information not provided | 1.06% of loan amount | Information not provided. | 1 to 5 Years |
| Yes Bank | 14% p.a. | Up to 2% (One-time fee) | Rs.2 lakh to Rs.20 lakh | 1 to 5 Years |
| Corporation Bank | 12.75% to 13.75% p.a. | Up to 1.5% Minimum amount of Rs.500 | Up to Rs.3.50 lakh | Up to 5 Years |
Personal Loan Bijapur Fees & Charges – Apr 19 2024
| Bank | Processing Fee |
Prepayment Charges
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| HDFC Bank Personal Loan | 0.25% to 1.50% |
2%, Nil foreclosure charges after 3 months
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| 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
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| 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.
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| 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
Interest Rate 9.99%
Documents Required for Personal Loan in Bijapur
List of Documents Required for Salaried Applicants
Salaried individuals must submit the following documents in addition to a completed personal loan application form:
| Photo Identity Proof (Any one) | Passport PAN Card Voter’s ID Aadhar Card Driving License |
| Address Proof (Any one) |
Passport
Utility Bill (telephone, electricity, water, gas) – less than 2 months old Aadhaar Card Driving License Ration Card |
| Income Proof |
Salary slips (Last 3 months)
Bank statements for the last 3 to 6 months (showing salary credit) |
| Tax Paid (Any one |
IT returns (for 2 years)
Form 16 |
| Residence Ownership Proof (Any one) |
Property documents
Maintenance bill Electricity bill |
| Proof of Job Continuity (Any one) |
Current employment certificate
Current job appointment letter (if more than 2 years have been spent in the same organisation) Experience certificate (previous employer’s relieving or appointment letter along with job certificate) |
| Proof of Investment (if any) |
Fixed assets, fixed deposit, shares, etc.
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| Existing Loans (if any) |
Payment Track Record & Sanction letter
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| Photograph |
One coloured passport size photograph
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List of Documents Required for Self-employed Applicants
Self-employed personal loan applicants must submit the following documents in addition to a fully completed loan application form:
| Photo Identity Proof (Any one) | Passport PAN Card Voter’s ID Aadhaar Card Driving License |
| Address Proof (Any one) |
Passport
Aadhaar Card Driving License Utility Bill (telephone, water, electricity, gas) – less than 2 months old Ration Card |
| Proof of Residence Ownership (Any one) |
Property documents
Maintenance bill Electricity bill |
| Proof of Office Address and Ownership (Any one) |
Maintenance bill
Property documents Electricity bill |
| Proof of Business Existence (Any one) |
Copy of GST registration
Company registration license Shop establishment proof |
| Income Proof |
Last 2 years Income tax returns of the applicant along with computation of income duly attested by a Chartered Accountant
Audited balance sheet and Profit & Loss accounts, including tax audit report, if applicable |
| Bank statement |
Savings/current account bank statement/ bank passbook for the past one year
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| Proof of Investment (in case any) |
Investments such as fixed deposit, fixed assets, shares, etc.
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| Existing Loans (in case any) |
Payment Track Record and sanction letter
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| Professional Degree Certificate |
In case of professionals
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| Photograph |
One coloured passport size photograph
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List of Documents Required for NRI Applicants
When applying for a personal loan, NRI candidates are typically required to submit the following documents:
| Identity Proof | Copy of the passport Copy of the visa |
| Employment Proof | Letter of Appointment Job contract Labour/ Identity card (if applicable) Official email ID or the HR’s email ID |
| Income Proof | Last 6 months’ bank statements Last 6 months’ salary slips or salary certificate |
| Photograph | Passport size photographs |
List of Documents Required for Pensioners
When applying for a personal loan, a pensioner must submit the following documents:
| Identity/Age Proof (Any one) |
Ration card
Passport PAN card Aadhar card Voter ID card Driving licence Birth certificate School leaving certificate |
| Address Proof (Any one) | Passport Aadhaar card Utility bills Ration card Driving licence |
| Income Proof (Any one) |
Last 6 months’ bank statements/salary slips
Bank passbook Form 16 Copy of pension payment order Income tax returns |
| Photographs |
Passport size photographs
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Know More About: Personal Loan Eligibility Criteria
Personal Loan Bijapur Eligibility Criteria
| Particulars | Salaried | Self-Employed |
| Age | 21 - 60 years | 21 - 65 years |
| Minimum Income | Rs.15,000* | Rs.5 Lakh p.a. |
| Co-applicant | Not mandatory | Not mandatory |
| Loan Tenure | 12 – 60 months | 12 – 60 months |
| Maximum Loan Amount | Rs.40 Lakh | Rs.40 Lakh |
| Employment Type | Employees of private limited companies and public sector undertakings |
Self-employed individuals
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| Employment/Business Continuity | At least 2 years; minimum 1 year with current employer |
4 years Post Qualification experience for Doctors/ Chartered Accountants.
5 years Post Qualification experience for Company Secretary / Architect. |
| CIBIL Score | 750 and above | 750 and above |
| Residential Status |
Resident Indian staying in own house or a rented house
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*In cities such as Kochi, Kolkata, Ahmedabad, Pune, Hyderabad, Mumbai, Chennai, Bengaluru, and Delhi the net monthly income required is Rs.20,000
Click here to know more about - Salaried Applicant
Click here to know more about - Self-employed Applicant
*Note: The eligibility criteria vary from lender to lender.
Check Personal Loan Eligibility with Top Lenders in 2021
| Bank | Age Limit | Minimum Work Experience |
Minimum Income (Per Month)
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| SBI | Up to 76 years | NA** | Rs.15,000 |
| HDFC | 21 to 60 years | 2 years | Rs. 20,000 |
| Private | 23 to 58 years | 2 to 5 years | Rs.17,500 |
| Axis | 21 to 60 years | NA** | Rs.15,000 |
| Kotak Mahindra | 22 to 55 years | 1 year | Rs.25,000 |
| Tata Capital | 21 to 58 years | 1 year | Rs.15,000 |
| IndusInd | 21 to 60 years | 2 to 5 years | Rs.25,000 |
| Ujjivan Small Finance | 22 to 58 years | NA** |
Above the minimum wage limit
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| India Infoline Finance Limited | 25 to 60 years | 6 months to 2 years | Rs.35,000 |
| HDBFS | 21 to 65 years | 1 year to 3 years |
Rs.15,000 for salaried
Rs.1 lakh p.a. for self-employed |
| Indian Overseas Bank | Up to 58 years | NA* | Rs.5,000 |
| IDFC First Bank | 23 to 68 years | 3 years | NA* |
| Federal Bank | 21 - 55 Years | 3 years | Rs.25,000 |
| Punjab National Bank | 21 – 58 years | 2 years for doctors | Rs.15,000 |
| Andhra Bank | 21 - 55 years | NA** | NA* |
| Canara Bank | NA** | NA** |
Salaried: Rs.6,000 & above
Self-employed - Rs. 1.5 lakh |
| IDBI Bank | Up to 75 years for Pensioners | NA** | Rs.1.5 lakh p.a. |
| Fullerton India | 21 to 55 years | 1 to 2 years | Rs.15,000 |
| RBL Bank | 25 to 60 years | 1 to 3 years | Rs.25,000 |
| Bank of Baroda | 21 to 60 years | 1 year to 2 years |
60% of gross monthly income
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| Deutsche Bank | 25 to 60 years | NA** | Rs.25,000 |
| Karnataka Bank | NA** | 3 years | NA* |
| United Bank of India | up to 75 Years | 2 years | NA* |
| UCO Bank | 21 to 65 years | 1 year to 5 years | Rs.20,000 |
*Personal loan disbursal is solely at the bank’s discretion and as per the bank’s terms and conditions
Learn More about Personal Loan: Click Here
The personal loan eligibility criteria for both Salaried and Self-Employed are different:
Salaried Applicants
- Compensation: ₹18,000 (Monthly).
- Least Age: 21 Years.
- Max. Age: 60 Years.
- Work Experience: Total 3 years and 1-year involvement with the progressing work.
- CIBIL Score must be more than 700.
Self-Employed Applicants
- Home: Must have an Office or Home.
- The business ought to be running throughout the previous 3 years.
- CIBIL Score must be more than 700.
- Least Age: 25 Years.
- Max. Age: 65 Years.
- Ought to petition for a yearly ITR of 2.5 to 3 lakh.
PERSONAL LOAN
Interest Rate 9.99%
Why Apply for Personal Loan Bijapur?
- It is a straightforward and safe credit plot for bringing assets up in the midst of hardship.
- It is effectively accessible within 48 hours.
- It can explain any money-related issues.
- Liberated from an expense.
How to apply for Personal Loan Bijapur?
- Anyone can apply for Personal Loan Bijapur online just in a short time. The procedure of utilization is clear and snappy.
- Visit our official web-based interface, Dialabank.
- From that point forward, apply for a Personal Loan on the web.
- Please enter your contact subtleties with the goal that we can reach you back.
- We are consistently accessible on our complementary number (9878981166) to give you the correct information about advances, financing costs, and so forth.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fee/Prepayment Charges on Personal Loan Bijapur
Profiting an individual credit brings about certain sorts of charges for a Personal Loan in Bijapur. Each Bank and NBFC charges mostly two sorts of expenses from its clients. The first is a charge for handling your Loan application. The charges shift between 1% of the endorsed all-out the advance sum.
The second being Pre-conclusion charges for a circumstance when you need to close your credit before your fixed residency. Much of the time, you can’t for-close your advance before the residency of a year. Post that the charges additionally differ contingent upon how long the credit has been done. These charges fluctuate from 4% of the remarkable advance sum in the second year to 2% in the fourth year of the advance and are just relevant if you don’t finish your credit reimbursement in the fixed residency.
Personal Loan Bijapur EMI Calculator
The Personal loan EMI Calculator can be utilized unreservedly to realize your EMI esteem on your advance sum. Likened Monthly Installments, additionally, know as EMI, are the month-to-month charges that you pay to the bank as a month-to-month reimbursement for the advance sum acquired for money-related needs. Based on your profile, pay, advance sum, and residency, the financing cost on your advance is resolved appropriately. Your EMI is determined to premise the Interest Rate you are charged by the particular bank, which is required to be paid each month till the fruition of the residency. Therefore, EMI is anything but difficult to pay and doesn’t put any weight on you monetarily.
Click to know more about EMI Calculator: Personal Loan EMI Calculator.
PERSONAL LOAN
Interest Rate 9.99%
CIBIL Score required for Personal Loan Bijapur
- Each loaning organization has its own measures for the base CIBIL score required for handling a Personal Loan application in Burdwan.
- The establishments don’t simply check the general score yet, in addition, the itemized conduct on the past credits taken.
- Most establishments need a CIBIL score of 750 or more to process your advance application.
- Some may investigate different elements like salary and employment dependability to process individual credit.
- This remembers subtleties for the kind of advance taken beforehand by you and the sum obtained. Any deferred installments for past advances can go about as a boundary to your getting another credit.
Personal Loan Bijapur Agents/Broker
Dialabank is your best specialist in Bijapur for benefiting any advance. It encourages you to look at bargains from different banks and NBFCs with the goal that you can benefit from the best offers accessible as per your capacity and necessity. DialaBank is your best specialist accessible for individual credit in Bijapur. Our relationship chief will guarantee you get the best advance at the most minimal conceivable loan fee with issue-free and insignificant documentation. The explanation for picking DialaBank as your specialist for an individual advance may be:
- We don’t charge you for our administration delivery.
- The advance gets dispensed inside a couple of long periods of applying with us.
- Our relationship supervisor guides you through the whole procedure of individual advance.
- For any help or direction sympathetically contact on 9878981166.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Bijapur Contact Number
Call 9878981166 and get moment help and endorsement for Instant Personal Loan in Bijapur.
Pre Calculated EMI Table for Personal Loan Bijapur
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 |
PERSONAL LOAN
Interest Rate 9.99%
About Bijapur
Bijapur, officially known as Vijayapura, is the district headquarters of the Bijapur District of Karnataka state of India.
Other Cities For Personal Loan In Karnataka
| Personal Loan Kolar | Personal Loan Gokak |
| Personal Loan Hubli | Personal Loan Gangawati |
| Personal Loan Hoskote | Personal Loan Devanahalli |
| Personal Loan Hospet | Personal Loan Davanagere |
PERSONAL LOAN
Interest Rate 9.99%
FAQs on Personal Loan Bijapur
✅ Can I apply for a Personal Loan with a low CIBIL score?
Banks require you to have a good CIBIL score to avail of a Personal Loan. However, banks may give you a Personal Loan depending on your ability to repay.
✅ How much time does it take for a Personal Loan to be disbursed?
Once the bank receives your Personal Loan application, the funds are disbursed to you within a matter of days.
✅ What is the maximum loan amount I can avail myself of?
The maximum loan amount differs from bank to bank. It mostly depends on your CIBIL score, ability to repay, loan tenure, etc.
