Need loan in Pune? Here, Dialabank will help you There are many banks and NBFCs in Pune which are co-operated with Dialabank. Pune is one of the busiest cities in Maharashtra and also ranks 7th in the world in case of the population.  People have no time to visit every bank and to know about loans criteria. Dialabank provides a platform for sharing all details of different banks in a single click. We apply for a Personal loan for our personal reasons like marriage, vacations, for buying land etc. To get a personal loan you do not need to deposit any security or collateral, It is an unsecured finance term.

Important features of the Personal Loan Pune you need to know before applying:

  1. The Loan amount depends upon the income and repayment capability of the person.
  2. It is a multi-purpose offer that can be used for almost all financial problems of life.
  3. No need to put any property or asset as Collateral to the lender.
  4. No cosigner needed.
  5. There are some criteria which are required to follow like salary, residence, CIBIL  score etc. There is no need of depositing any security or mortgage. Every bank has their own loan criteria. Some go for high salary customers and some mainly focus on the previous repayment capabilities.

Pune Personal Loan Interest Rates are as follows:

Bank Name

Interest Rates

Processing Fees

Tenure(In years)


11.49% - 17.25%

Up to 2.5%

1 - 5


15.50% - 24%

1.5% to 2%

1 - 5


11.43% - onwards


1 - 5


13.99% - 16%

2% - 3%

1 - 5



1.5% - 6%

1 - 4

Some factors you should know which affect Personal Loan Pune interest rates:

  1. Flexible loan tenures:  The major benefit of flexible loan tenure is that we can change the interest rate according to our suitability.
  2. CIBIL score: There are chances that loan seekers may get a 0.25% reduction in interest rates if their CIBIL score is more than 800.
  3. Reputed firms: If the borrowers work at reputed firms then there are chances that they may obtain a lower interest rate. The reason behind this is that lending institutions perceive such individuals to have a stable career thus making them more likely to make repayments on time.
  4. A good relationship with a bank:  It affects very much to interest rates. Banks provide lower interest rates to loyal customers with whom they have a good relationship.
  5. High salary: Individuals with higher income have most likely chances of repaying the loan. A stable income makes more chances of sanctioning of the loan. Bankers usually reject loan applicants of those persons who do not have a consistent flow of income.

Eligibility Criteria for Personal Loan Pune

For Salaried:

Minimum age: 21 year

Maximum age: 60 years

Net monthly income: Rs. 18,000

Minimum Experience: 6 months in the current job. * In case of Super A company minimum experience in current job required is 3 months.

Total experience required: 1 year


Minimum age: 25 years.

Maximum age: 65 years.

Should have ITR records of past 3 years

ITR should be of 2.5 lacs per annum at least.

Minimum annual turnover: Rs. 20 lakh.

CIBIL score should be more than 600.

Experience in current business: 3 years

Total experience in business: 5 years.

Documents required:


Self Employed

Last 3 months salary slips

Last 2 years ITR

Latest 6 months bank statements of salaried account

Latest 6-month bank statements of current account

Photocopy of Pan Card

Residence & Address Proof

2 passport size photographs


List of documents (salaried)

ID proofs- PAN card, Aadhar card, Passport, Driving License, Employee ID

Address proofs mention- Bank passbook, Ration card, any Utility bill (telephone, electricity, water, gas) of less than 2 months old, Letter from a recognized public authority verifying the customer’s residence, LIC policy or receipt.

Proof of ownership- Electricity or water bill, property papers,  maintenance bill

Current job proof:

Current employment certificate or appointment letter(in case of more than 2 years).

List of documents


 Proof of business existence-Sales deed/ agreement, Saral copy of 3 years old, tax registration proof, Company registration license

Proof of Income- Income tax returns of the last 2 years along with computation of income duly attested by a CA(chartered accountant), audited balance sheet and Profit & Loss accounts, tax audit report if applicable, Bank statement: Latest 1 year bank statement (both savings and current), Investment proof: fixed deposit, fixed assets, shares, etc.

The need for professional Degree Certificate (in the case of professionals)

If any existing loan in the past- Need to submit sanction letter, payment track record.

Benefits of our helpline services:

  1. Interest rates will remain the same during the whole tenure period.
  2. Balance transfer facility also available with some processing fee.
  3. Can also prepay your loan.
  4. Power of choosing a repayment time period between 12-60 months.
  5. Postdated cheques or ECS or auto debit also can work.

How to apply For Personal Loan Pune:

  1. Visit
  2. Go to the loan section and select a personal loan link.
  3. By clicking this link, you will be directed to all details of the personal loan where you can select your preferred city.

Why your decision of choosing Dialabank is the right decision:

  1. No extra charges applicable.
  2. Ready to help 24/7.
  3. Quick pick-up of documents.
  4. Approval in no time.
  5. Assistance from experts
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