You don’t have to worry about your financial emergency. There is a solution for you called as Personal Loans. By availing the Personal Loan you can easily solve your Financila Crises. Worries are not the solution of every problem you can apply for the Personal Loan and enjoy the healthy life.
What do you mean by Personal Loan?
Personal Loan is a loan which we get from the banks to fulfill our financial needs and desires. We don’t have to keep any collateral to the bank in exchange of the loan amount. As it is an unsecured loan , lenders are not able to auction our assests. Not only financial needs but Personal Loan helps us to fulfill our dreams like dream of a big fat wedding. We can apply for the Personal Loan to satisfy our luxuries and dreams.
Personal Loan further helps you to renovate your house or paying the medical bills. You are free to use the amount as per your desires as you are not answerable to the bank for the spending of money.
Click here for more information.
About Jana Small Finance Bank
Jana Small Finance Bank previously known as Janalakshmi Financial Servises . Its headquarters are in Bengaluru. The bank starts working in 2008 and was lincensed by the Reserve Bank of India 2015. It received there final licence in April 2017.The Jana Small Finance Bank progresses immediately that results that they have 500 branches in the 19 states of India.
Benefits from taking the Personal Loan from Jana Small Finance Bank
- Easy documentation: The Jana Small Finance Bank provides you with the easy documentation process. You don’t have to worry about the documents as they provide you all the necessary details.
- Hassle free process: Jana Small Finance Bank Personal Loan is an online process which means we can submit our documentation easily without stepping out of our place.It has become more natural and appropriate with the online portals.
- Quick Disbursal: With the help of Jana Small Finance Bank Persoanal Loan you can get your loan amount in your respective bank account if the documentation and eligibility process are accurate. It only takes 48 hours to credit the loan amount in your bank accounts.
- Flexible time for the repay: The Jana Small Finance Bank Personal Loan provides you with the facility to repay your loan in a flexible time period i.e. 12 months(1 year) to 60 months (5 months).
- If you are eligible for the Jana Small Finance Bank Personal Loan, the bank will provide you the loan amount within 24 hours.
Interest rate of the Jana Small Finance Bank Personal Loan
- The Jana Small Finance Bank provides you with the best and low interest rates in the market.
- It usually starts at 10.75% per year.
- The loan amount usually depends on the income of the applicant.
- The Jana Small Finance Bank Personal Loan usually provides you the tenure of 1 year to 5 year to repay the loan amount.
Eligibilty Criteria for the Jana Small Finance Bank Personal Loan
If you want to take the loan, every Bank follows some eligibility criteria. Based on eligibility criteria bank provides loans to the applicant.
- The minimum age required for the Jana Small Finance Bank Personal Loan for Salaried Applicants is minimum 21 years, and the maximum can be of 60 years.
- For the Metropolitan applicants, the minimum income required is Rs 18,000 per month.
- If the applicant is living in a non-metropolitan city, the minimum salary required is 12,000 per month.
- It is required that the applicant should have the work experience of at least three years in the same company.
- It is mandatory that the salary should come in their specific account only.
- Good credit history is must. The credit score should be more than 700.
- It is must to provide the bank statements of the last three months.
- The salary slip of the last six months is also required.
Self Employed Applicants:
- The minimum age required for Jana Small Finance Bank Personal Loan Self Employed Applicants is a minimum 25 years to maximum 65 years.
- ITR process is must. The applicant should file the ITR from the previous three years.
- The IRT, which is filed by the applicant, should be of at least Rs 2.5 lakhs per annum.
- The credit score of the applicants should be good. Your previous debts should be clear.
- The business of the applicant should be running good from at least last three years.
Documents Required for the Jana Small Finance Bank Personal Loan
- Identity proof: It contains an Aadhar card, Passport, Voter card, Driving licence. You can use any one of them as your Identity Proof.
- Residence proof: It contains an Aadhar card, Passport, Voter card, Driving licence, Ration card. Anyone of these you can apply as the Residence Proof.
- If the applicant is living in a rented house, in that case, you have to submit the rental agreement, electricity bill and the water bill which has to be in the name of the applicant.
- The address of the house Owner is also required.
- Two coloured photographs of the applicant are also required.
- PAN card of the applicant is must, which is considered to be the important document under the formality of KYC.
Why apply only in Dialabank for Personal Loan?
- Dialabank is the first online financial service which has an experience of many years.
- With the experience, we provide you with the best offers in the market.
- We did not charge any extra fees from you.
- We provide you with the instant loan facility if your documentation and eligibility are correct.
- We provide you with a quick customer query. After you filled the form, you will get the call from our Relationship Manager within 24 hours. You can call us for the consultations on 9878981166.
How to apply on Dialabank for Personal Loan?
- You have to visit our website www.dialabank.com
- After that, fill the online application form.
- Don't forget to mention your working contact number. It is mandatory.
- Lastly, submit all your documents.
What if you don't return your Personal Loan?
If you will be unable to pay the personal loan your credit history get spoiled, your CIBIL score gets affected negatively, and you will not be able to get any loan in future. It is not so that you can't rebuild your credit.
Other Leading Personal Loan Providers (Click to Apply)
- HDFC Personal Loan
- SBI Personal Loan
- Axis Bank Personal Loan
- PNB Personal Loan
- ICICI Bank Personal Loan
- Bandhan Bank Personal Loan
- Bank of Baroda Personal Loan
- Fullerton India Personal Loan
- Personal Loan from Other Banks
Frequently asked questions for Personal loans.
1. What is Jana Small Finance Bank Personal Loan?
Under Jana Small Finance Bank Personal Loan, you can get the loan amount from the Bank for a specific time. It provides you with the lowest interest rate. It is not required to keep an asset for the guarantee to get the loan.
2. What is Jana Small Finance Bank Personal Loan Interest Rate?
Jana Small Finance Bank will provide you with a loan at 13.00% rate with the lowest EMI of RS.2,683 Per lakh if you are paying more than this EMI than you can go for a balance transfer. You can pay back your loan in 12 months to 48 months.
3. What is Jana Small Finance Bank Personal Loan Eligibility?
You can apply for the Jana Small Finance Bank Personal Loan if you are a citizen of India. You should be above the age of minimum 21 years to a maximum of 58 years. Both salaried and self-employed applicants can apply.
4. What are the details of Jana Small Finance Bank Personal Loan?
It is one of the best banks for the loan as it helps you according to your needs. It has special offers for government employees. You can get the loan quickly if you are eligible for the loan.
5. How to apply online in Jana Small Finance Bank Personal Loan?
For the best services, go on our website www.dialabank.com and fill the form which requires your necessary details. You will get a call from our side within 24 hours, and we will guide you for the best offers. Contact number which is working is mandatory.
6. How to check Jana Small Finance Bank Personal Loan EMI with EMI calculator?
7. How can we apply for Jana Small Finance Bank Personal Loan?
For the loan, you have to fill the above form and submit. Then your request will be accepted by dialabank, and within 24 hours you will get a call from our Relationship Manager who helps you with the further details.
8. What is Jana Small Finance Bank Personal Loan contact number?
You can apply online at our official website of Dialabank and also contact us on 9878981166.