Assam Gramin Vikash Bank Personal Loan

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Why us?

Rates as low as 10.50%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
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All about Assam Gramin Vikash Bank Personal Loan

Assam Gramin Vikash Bank Personal Loan

Assam Gramin Vikash Bank is a rural bank in Assam. Furthermore, the bank was founded in 1976. Headquarter of the bank is in Guwahati. The bank provides various financial services to the customers at a lower interest rate. A personal loan is a financial service provided to the customers to fight with the financial hurdles.

Why Should You Choose Assam Gramin Vikash Bank Personal Loan?

Assam Gramin Vikash Bank is a good bank in the provision of loans and other financial products. This bank provides every kind of loans to people; personal loan, car loan, home loan, property loan, or other kinds of loans. There are many advantages of taking a personal loan from Gramin Vikash Bank, some of them which are:
Bank also provides personal loans to army men, LIC agents, employees of government institutions, salaried people, professionals, and self-employed individuals.
Basically, there are three types of loans that are available from Gramin Vikash Bank for the customers, namely, EMI, Term Loan, and Overdraft Loan.
Lower interest rates.
Check whether you are eligible for getting a Personal Loan from the bank? There are some Criteria regulated by Banks to provide a loan. You must be eligible if you want finance to meet your requirement. Check your Eligibility in 1 minute. Apply Online and get Dialabank for you.

Eligibility  for Assam Gramin Vikash Bank Personal Loan

Everyone can not get a personal loan. Let us discuss the eligibility criteria.
Two categories of the applicants.
Salaried
Self-employed
There are different criteria for both categories. Let us see both of them one by one.

Salaried

  1. Firstly the age of the applicant should be more than 21 years.
  2. Secondly, he/she should be earning Rs. 18000 per month at least.
  3. Furthermore, the applicant should have the work experience of 3 years at least.
  4. After that, the applicant should be getting a salary in his/her bank account.
  5. The CIBIL Score of the applicant should be good.

Self-employed

In case the applicant is self-employed than his/her age should be 25 years at least.
Applicant should have should have filed ITR for last three years at least.
His/her CIBIL score should be good.
 The ITR should be of Rs. 2.5 Lakhs per annum at least.

Assam Gramin Vikash Bank Personal Loan Interest Rates

Personal Loan Starts at 10.75% per year. However, it can vary from person to person. It depends on salary and CIBIL Score of the applicant. Category of the company also matters.

What are the Benefits of Assam Gramin Vikash Bank Personal Loan?

1.    There are many advantages to taking a personal loan from them, such as:
2.    They provide personal loans at interest rates varying from 15.50% to 22%.
3.    A person can avail the loan amount ranging from Rs. 50,000 to Rs. 5 lakhs.
4.    Loan EMIs can be paid for up to 60 months.
5.    Special loan offers for pensioners.

How to Apply for Assam Gramin Vikash Bank Personal Loan?

1.    Visit website www.dialabank.com
2.    Submit all the documents
3.    Calculate your EMI online
* Above rates are subject to change without notice.*
It is necessary to compare the interest rates of the personal loan deals that are offered by all the banks. The personal loan is an unsecured loan that an individual can take for fulfilling any personal requirement. This can be for purchasing a gadget, for going on a holiday, for paying medical bills, for paying education expenses and other needs.
Special Note: We do not provide Personal Loan to bad credit holder, but you can fulfill your money requirement with Gold Loan easily.

Assam Gramin Vikash Bank Personal Loan Documentations

  1. One Identity proof is required. (Passport/Id card/voter card/driving license) It can be any one of them. Everyone easily has these documents, so there is no problem with the submission.
  2. 2 passport size colored photos. (Applicant should not be wearing glasses)
  3. A passport can also be considered as your identity proof because a passport has a name, age, address and photograph of the customer. If you have a passport, then there is no need to bring your address proof separately. But the passport should not be expired.
  4. Bank statement of last 6 months and salary slip of the previous three months needed.
  5. Residence proof can be the Aadhar card, voter card, and passport (Passport/Id card/voter card/driving license). Electricity and water bill for the last three months because these are the proofs that you are residing in that particular place.
  6. Driving license is also regarded as a proof of identity and residence proof because it contains the name, date of birth and a photograph of the customer. But the condition is that it should not be expired.
  7. Aadhar card provided by UIDAI that contains biometric details of the customers like age, date of birth and photograph of the individual. It can be considered as proof of your date of birth.
  8. PAN card is the permanent account number that is provided to the customers, and it prevents the financial frauds. So it is also considered as an identity/residence proof. Pan card is an essential document under KYC (know your customer) formality.
  9. Ration card is also considered as a residence proof because it provides enough information about the applicant.

Processing Fees for Assam Gramin Vikash Bank Personal Loan

The bank asks you a processing fee for the personal loan. It is 2.5% of the sanctioned loan amount. It is a one-time processing fee.

Loan Amount

The Bank can provide a maximum amount of Rs. 40 lakhs.

Tenure of Assam Gramin Vikash Bank Personal Loan

Tenure is the time for which you have gotten the loan. It can be 1 year to 5 years.

Pre-closure Charges on Assam Gramin Vikash Bank Personal Loan

Bank applies some charges on the pre-closure of the personal loan. It is 4% of the outstanding balance.

What is Pre-closure?

Every bank provides you a personal loan for a given period at some interest rate. But sometimes if you want to close your loan before the tenure of the loan to get rid of the interest rates than you can do so. This facility of closing your loan before the tenure of the loan is called pre-closure.

How to apply for Assam Gramin Vikash Bank Personal Loan?

You can easily apply for a personal loan if you are eligible. You can apply for a personal loan on the site of Dialabank. You have to fulfill the online application form, and you will get a callback. You can apply there for a personal loan more easily and hassle-free. Furthermore, you can call on 60011600 for more information.

Steps to Apply for Assam Gramin Vikash Bank Personal Loan:

  1. First of all search for Dialabank on Google.
  2. After that fill the application form for the personal loan.
  3. You will get a call back within 5 minutes, with proper guidance.
  4. If you are eligible, then your loan will get approved within 10 minutes.

Why Dialabank?

  1. Dialabank responds to the customer’s queries very quickly.
  2. Since the dialabank is the first financial helpline, so there are no safety issues.
  3. Besides that, the interest rates are very low.
  4. Furthermore here you can compare the rates of interest with other banks too.
  5. You will get proper guidance for the personal loan here.
  6. If you apply on the dialabank.com, you will get a document pickup facility from your doorstep.

Who can’t Apply?

  1. An applicant whose age is less than 21 years can’t apply for a personal loan.
  2. An unemployed person can’t apply for a personal loan.
  3. A person is earning less than Rs. 15000 can’t apply for a personal loan.
  4. In metro cities, the salary of the applicant should be Rs. 18000 at least.
  5. A person with a bad CIBIL score cannot apply.
  6. A person who is self-employed but does not pay the ITR can’t apply for a personal loan.

FAQ’s About Assam Gramin Vikash Bank Personal Loan

What is Assam Gramin Vikash Bank Personal Loan?

If you find yourself in need of urgent funds for your expenses like wedding, travel, payment of bills, etc. You can apply for a Personal Loan from Assam Gramin Vikash Bank and fulfill all your needs. Personal Loans come with long tenures for easy repayment with attractive interest rates.

What is Personal Loan rate of interest in Assam Gramin Vikash Bank?

The lowest rate of interest for Personal Loan from Assam Gramin Vikash Bank is 10.75% per annum. The interest rate offered to you may vary according to your credit score and monthly income.

How can I get Assam Gramin Vikash Bank Personal Loan?

Get quick disbursing Personal Loans from Assam Gramin Vikash Bank by visiting the nearest branch with your documents. After verification and approval of your loan application you will get the loan amount in your bank account and can use it for all your financial needs.

How to apply for Personal Loan in Assam Gramin Vikash Bank?

You can apply for Personal Loan from Assam Gramin Vikash Bank by visiting the branch with all the requisite documents and submitting a duly signed application form to the banker. You get the loan amount in your account once your eligibility has been verified and your loan has been approved.

Why apply for Assam Gramin Vikash Bank Personal Loan?

Personal Loans from Assam Gramin Vikash Bank can be used to fulfil a wide array of your financial needs. These loans come with high funding. long tenure, low interest rates, and easy repayment facilities. You are not required to submit any form of security with the bank in exchange for these loans.

How much EMI on Assam Gramin Vikash Bank Personal Loan?

Personal Loan EMI for Assam Gramin Vikash Bank can be calculated using any online EMI calculator using just the three parameters, loan amount, loan tenure, and rate of interest.

How much CIBIL score required for Assam Gramin Vikash Bank Personal Loan?

A CIBIL score over 700 is required for Assam Gramin Vikash Bank Personal Loans. Your CIBIL score helps the bank to estimate your creditworthiness and repayment abilities.

Minimum credit score needed for Assam Gramin Vikash Bank Personal Loan?

You will need to maintain a credit score of at least 700 to avail a Assam Gramin Vikash Bank Personal Loan.

How to calculate Assam Gramin Vikash Bank Personal Loan EMI?

Your Personal Loan EMI can be calculated using any online EMI Calculator. Visit Dialabank to compare offers from different banking and non-banking financial companies and apply for the ones that best suit your needs.

What can I use Assam Gramin Vikash Bank Personal Loan for?

Assam Gramin Vikash Bank Personal Loan can be used for a wide array of personal financial needs. You can meet all your day to day expenses and even the big ones that burden you financially. You can finance your vacations, family events, weddings, etc. You can also use your Loan to renovate your home.

Can I prepay Assam Gramin Vikash Bank Personal Loan?

Yes, you can prepay your Loan with Assam Gramin Vikash Bank by visiting the branch where your loan was sanctioned and asking the banker for the same. You will have to pay the entire outstanding loan amount with a foreclosure charge as applicable.

How to prepay Assam Gramin Vikash Bank Personal Loan?

Prepay your Assam Gramin Vikash Bank Personal Loan by contacting your loan branch in person. Depending on the case, you might be required to pay a small foreclosure fee along with your outstanding loan amount to close your Personal Loan.

How to repay Assam Gramin Vikash Bank Personal Loan?

Your Assam Gramin Vikash Bank Personal Loan can be repaid in several ways, the most common being automatic deduction of EMIs from your bank account. You can also contact your loan branch for further information on your repayment options.

What documents are needed for Assam Gramin Vikash Bank Personal Loan?

You need your address and identity proof(Aadhar Card/Voter ID), PAN Card, Income proof(Salary Slips and Bank statement), and two recent passport-sized photographs for your Assam Gramin Vikash Bank Personal Loan.

How to check Assam Gramin Vikash Bank Personal Loan status?

You can check your Loan status by contacting your Assam Gramin Vikash Bank branch in person or through customer care number.

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