Personal Loan Aligarh

Best Banks for Personal Loan in Aligarh

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 Aligarh Features

If you want to get personal loans at the cheapest interest rates than Personal loan Aligarh is here for you to help you get the best offers on the personal loans, provided by Dialabank at the fastest and the best service you can get near you,

Personal loan Aligarh is an unsecured loan that provides the person a financial aid to help them in their cause, which can be anything ranging from your personal requirements or your family or business requirements.

Personal Loan in Aligarh Interest Rates

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

Documents Required for Personal Loan in Aligarh

Salaried Customers:

1. Identity proof (Aadhar card/driving license/Voter Id/Driving license) required.
2. Salary slips of the latest three months of the applicant.
3. Bank statements for the last 6 months of the applicant.
4. PAN Card is needed, Residence Proof (Owned/Rented/Company provided/Utility bill) required, and Passport-sized photographs of the applicant.

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

Self-Employed Customers:

1. All financial records are required (Balance Sheet, P&L Statement as well as ITR files) to be submitted along with PAN Card, Aadhar Card/Voter ID/Driving License, Residence Proof( Current and Permanent), and Two passport-sized photographs needed.

Personal Loan in Aligarh Eligibility Criteria

Personal Loan Eligibility criteria are different for both the salaried and self-employed applicants for Personal Loan Aligarh:

Salaried Applicants

1. The applicants must have work experience of equal to or more than three years. The salary should have to be received in their accounts only.
2. The minimum age requirements of the individual should be 21 years and the maximum age of 60 years.
3. The applicants must need to have an excellent credit history for loans and the job location of the applicant should also be mentioned with a minimum income of INR 25,000 per month

Please click here to know more about: personal loan for Salaried Applicant

Self-Employed Applicants

1. The minimum age required is 25 years.
2. The applicants who are applying for the personal loan should also file the ITR for the last three years and if the person is a businessman, then the business should be running for the past three years.
3. The credit score of the individual should be good, there should not be any debt or dues left with the annual income of the applicants should be a minimum of Rs 2.5 lakh.
4. Applicants have to submit their financial and bank statements for the last three months.

Click here to know more about: personal loan for self-employed Applicant

How to apply for Personal Loan in Aligarh?

1. Visit www.dialabank.com on your device.
2. Scroll to the loan section of the website and click on the personal loan link.
3. The applicant will then be directed to all details of the personal loan available where they can choose their preferred city.
4. For more information and free guidance on a personal loan, you may call on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan in Aligarh

Every Bank and NBFC charge a little fee for processing the Personal Loan application. These little charges are 1% of the loan amount.

In case you wish to ever close your personal loan before the signed and agreed loan tenure, every type of lending institution will charge you a penal prepayment fee for doing it. In most of the cases in this kind of situations, you cannot close your loan before 12 months, as it is mandatory. Post that the charges usually vary depending on how many years the personal loan has been taken for by the beneficiary. These charges usually vary from 4% of the outstanding loan amount in the 2nd year of the loan payment to 2% in the 4th year of the personal loan payment.

Personal Loan EMI Calculator Aligarh

You can use personal loan EMI calculator to calculate EMIs. EMI is the monthly and fixed charges that you pay to the bank as monthly repayment for the loan amount borrowed from the bank. Based on the profile, the interest rate on the loan is determined according to it. The EMI is calculated on the basis of the personal loan Interest Rate you are charged by the bank and the amount of loan you have to take for your needs and the period for which you enjoy the loan.

CIBIL Score required for Personal Loan Aligarh

Every lending institution has its own criteria for the requirement of minimum CIBIL score which is needed for processing a Personal Loan application Aligarh. Most of the institutions also require a minimum score of 750 to process the loan applications.

The institutions don’t just look at the overall score of the CIBIL but also the detailed behavior on the previous loans taken by the individual. This includes details on the type and amount of loan taken. Any delayed payments for previous loans can act as a huge barrier to your availing a fresh loan.

Personal Loan Aligarh Agents/Broker

Dialabank is the leading agent having the best offers for availing Personal Loan in Aligarh.

You can now apply online at our website www.dialabank.com or give a call at 9878981166.

Dialabank helps you to find the best of the best options available between Banks and NBFCs by providing you with a detailed and structured market comparison of different banks so that you can make the right choice when choosing a loan. Visit our website www.dialabank.com and fill up a simple and small form with your personal and employment details. Our customer relationship managers will then get in touch with you with all the details.

Personal Loan Aligarh Contact Number

Call 9878981166 and get instant help and approval for Personal Loan in Aligarh.

Pre Calculated EMI Table for Personal Loan Aligarh

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

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About Aligarh

Aligarh is a city in the state of Uttar Pradesh in the northern region of India. It is the administrative headquarters of Aligarh district and lies 307 kilometers northwest of Kanpur and approximately 130 kilometers southeast of the national capital, New Delhi.

FAQs About Personal Loan Aligarh

✅ Who can apply for a Personal Loan Aligarh?

People who have an urgent need for money and also have a regular source of income (from employment or business) can apply for a Personal Loan in Aligarh.

✅ What is the total tenure of Personal Loan Aligarh?

Most of the big banks and NBFCs provide a Personal Loan Aligarh for a min period of 1 Yr and a Max period of 5 Years. There are some Banks that extend the maximum period to 7 Years also on certain conditions but usually, the tenure is fixed and cannot be extended. The repayment has to be done in equal monthly installments by the individual within the agreed tenure of the loan.

✅ Is there any kind of extra charges involved in Personal Loan Aligarh?

Yes, there are only 2 types of charges that one needs to pay in order to avail a personal loan in Aligarh.

Processing Fee: For every bank that you borrow from, there is a small fee that they charge from their customer known as Processing Fee for each lending institution but is normally 1% of the loan amount.

Pre-closure Charges: Whenever you wish to close a running loan before its agreed period, the Banks and NBFCs charge just an extra amount which is known as pre-closure charges on the borrowed loan amount. Different banks have different kinds of pre-closure charges. The pre-closure charges vary depending on how many years has your loan has been completed before you decide to pre-close it.

✅ Can my application for Personal Loan Aligarh get rejected only due to my CIBIL score?

Since a personal loan is an unsecured loan, one of the most important decision criteria for getting the Personal Loan application completely approved is the CIBIL Score. Having a High enough CIBIL score becomes extremely important if you wish to avail Personal Loan. Make sure you don’t skip your loan EMI payments ever or any credit card payments ever as that will result in decreasing your overall CIBIL score. Most of the Personal Loan rejections only happen due to a low CIBIL Score.

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