Best Banks for Personal Loan in Kanpur
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
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 Kanpur Features
A personal loan is a loan that can be availed without a guarantor or a consignee by having a good CIBIL score and also by maintaining credit history as very good to avail the loan, which is unsecured, that is why it needs CIBIL score and credit history to be good without debt and dues of the applicant. It also gives them leverage to spend the money in the field of interest the applicant wants to spend. A personal loan can be availed in just two days of the process with the help of Dialabank, which provides the best and the fastest service to the customer.
Personal Loan in Kanpur Interest Rates
To know more about personal loans, click on Personal Loan
To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates
Bank
Processing Fee
HDFC Bank Personal Loan
0.25% to 1.50%
Axis Bank Personal Loan
0.50% to 1.50%
Nil
Private Bank Personal Loan
0.25% to 1.50%
SBI Personal Loan
500/- to 0.50%
Nil
Kotak Personal Loan
1% to 2%
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
Documents required for Personal Loan Kanpur
Salaried Customers:
- Identity proof can be Aadhar card/driving license/Voter Id, along with PAN Card and Residence Proof (Owned/Rented/Company provided)
- Salary slips of the last three months and Bank statements for the last six months
- Passport-sized photographs – only 2 of them.
*NOTE: In the case of rented apartments, a rent agreement needs to be attached.
Self-Employed Customers:
- All financials are required (Balance Sheet, P&L Statement as well as ITR files)
- Residence Proof ( Current and Permanent), PAN Card, Aadhar Card
- Just Two passport-sized photographs
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan in Kanpur Eligibility Criteria
Click here to know about personal loan eligibility
Salaried Applicants
- The applicants must have an excellent credit history, and also, the job location of the applicant should be mentioned.
- The applicants must have the work experience of the three years, and the salary should be received in their accounts only, and a borrower should have a minimum income of INR 25,000 p.m
- Age limit 21 to 60 years.
Click here to know more about the personal loan for the salaried applicant: personal loan for Salaried Applicant.
Self-Employed Applicants
- The age requirement for an independent person should be at least 25 years having a 2.5 lakh salary a year and have bank and financial statements of the previous three months.
- File ITR for the last three years.
- Business applicant’s business should be running for the past three years.
- The credit score of the individual applicants should be good .there should not be any debt or dues left.
Click here to know more about: personal loan for self-employed Applicant
Why Apply for Personal Loan in Kanpur?
- Do not deposit any mortgage and collateral security to the bank, as it is not required.
- A personal loan covers our money needs.
- The loan amount depends upon the person repaying capacity.
- A Personal Loan does not need any guarantor or nominee.
How to apply for Personal Loan in Kanpur?
- Visit the best personal loan provider website www.dialabank.com.
- Go to the loan section on the website and click on the personal loan link.
- You will be directed to all personal loan details, fill in the information, and submit it.
- For more information and free guidance, you may call on 9878981166.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fee / Prepayment Charges on Personal Loan in Kanpur
Every Bank and NBFC charges a fee for processing your Loan application. These charges vary between 1.5% to 2.5% of the sanctioned loan amount.
If 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. Post that, the charges vary depending on how many years the loan has been done. These charges range from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.
To know about the interest rate, click on the personal loan interest rate
Personal Loan EMI Calculator Kanpur
Equated Monthly Installments, also known as EMI, are the monthly fixed charges that you pay to the bank as monthly repayment for the personal loan amount borrowed by you. Based on your profile, the interest rate on your loan is determined accordingly. Your EMI is calculated using a personal loan EMI calculator basis the Interest Rate you are charged, the amount of loan you get, and the period for which you want a loan.
CIBIL Score required for Personal Loan Kanpur
Every lending institution has excellent and suitable criteria for the minimum CIBIL score required. Most institutions need a minimum score of 750 to process your loan application for a personal loan in Kanpur.
Institution look at your credit history, your dues and debt, and your behavior before deciding to give you a loan or not.
It would be best if you always kept your CIBIL score in the right zone.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Kanpur Agents
Dialabank is the first leading agent for availing loans in Kanpur. Apply online at Dialabank, or you can give a call at 9878981166
Dialabank covers most of the major banks and helps you find the best option of Banks and NBFCs by providing you with a detailed market comparison of different banks to make the right choice before taking the loan. Visit our website and fill a simple form with the required details, and our managers will soon get in touch with you.
Personal Loan Kanpur Contact Number
Call 9878981166 and get instant help and approval for Personal Loan nearby in Kanpur.
Pre Calculated EMI Table for Personal Loan Kanpur
Just click here for the personal loan EMI calculator
About Kanpur
Kanpur is an Indian metropolis in the state of Uttar Pradesh in north India. The greater metropolis is divided into two different districts or parts: the urban area of Kanpur Nagar and the rural district of Kanpur Dehat, with the city located in the urban district, along with some other townships side by.
FAQs About Personal Loan Kanpur
✅ Are there any other charges involved in Personal Loan Kanpur?
Yes, there are only two types of charges involved:
Processing Fee: The processing fee for processing the personal loan application varies for each lending institution and is generally 1% of the loan amount.
Pre-closure Charges: If you pre-close your loan application before the tenure, then a prepayment penalty is levied depending on the year you pre-close the loan. You usually cannot pre-close the loan before 12 months.
✅ Who can apply for a Personal Loan in Kanpur?
People who can repay the interest loan amount in the signed tenure without dues can apply for the personal loan.
✅ What is the tenure of Personal Loan in Kanpur?
Minimum one year to 5, but in some cases, some banks give up to 7 years.
✅ Can my application for Personal Loan Kanpur get rejected due to my CIBIL score?
If your CIBIL score is low and your credit history is poor, then your loan application can get rejected due to the risks factor on the loans.
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