AU Small Finance Bank Personal Loan

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Rates as low as 10.99%*
Loans Up to 30 Lacs
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About AU Small Finance Bank Personal Loan

AU Small Finance Bank Personal Loan

Is going on vacation your long due dream? Do some events still come and leave you with nothing, financially? Do you think a loan might be your saviour in distress? Do you require money to keep living your life in peace? Is a financially stable life at all times a luxury for you? Do not let your concerns get the best of you instead let a personal loan take the rest of the burden from you. A personal loan can be the extra hand when you need to carry the burden of the financial crisis all alone. Apply today for a personal loan on our website, Dialabank, to avail the best services of AU Small Finance Bank.

What is AU Small Finance Bank Personal Loan?

A personal loan is an unsecured loan in which you can get the loan amount despite collateral, which signifies that you are not obliged to keep any of your assets as security to the AU Small Finance Bank. The process of this financial product is swift and worry-free. The bank gives you sensible and convenient interest rates on personal loans.

Why Choose AU Small Finance Bank Personal Loan through Dialabank?

  1. Our website provides you with a decent set of arrangements according to your profile and necessities.
  2. We give you exclusive offers through our specialized relationship supervisors.
  3. We will suggest you the offers and deals which are available in your specific area.
  4. You can avail maximum funding and lowest interest rates with the AU Small Finance Bank.

Benefits of AU Small Finance Bank Personal Loan

  • Firstly, personal loans are instantly available on fixed interest rates, which mean the EMI (Equated Monthly Installment) will be set for the entire loan regardless of how the interest rates fluctuates.
  • Secondly, you can avail a personal loan in few clicks, all you have to do is apply online on Dialabank, and our expert relationship associates will contact you in 30 minutes.
  • Thirdly, if you have an attractive CIBIL score, the bank will give you the required amount within 24-72 hours.
  • Fourthly, you have the benefit to select the tenure that assists you the best. Longer tenure has lower EMIs of the loan amount, whereas shorter tenure has higher EMIs. You can decide the tenure after calculating the EMI.
  • Lastly, personal loans are those, which one can use for nearly any purpose in life. In general, there is no end on the usage of personal loan. In case of the urgent necessity of money, personal loans are the most suitable way to help you.

Documentation for AU Small Finance Bank Personal Loan

List of documents for Salaried:

  1. You should submit one proof of Identity. It can be a Passport/ PAN Card/ Voters ID/ Driving License.
  2. To apply for a personal loan, you should affix a residence proof along with your loan application. It can be a Utility Bills (not more than 3 months old) / Passport/ Lease and Rent Agreement.
  3. You are required to attach the latest 3 months bank statement with the application form (payroll/salary account is credited).
  4. You must attach your salary slips for the last 3 months.
  5. And you should fasten two passport size photographs.

List of documents for Self-Employed:

  1. To avail the services of a personal loan, you should fasten the KYC Documents (Proof of Identity/Address proof/ DOB proof) with your application form.
  2. You should submit proof of your residence. It can be a Utility Bills/ Lease or Rent Agreement/ Passport.
  3. A document should be provided, which supports the claim that you paid an ITR of Rs. 2.50 Lakhs for the last 3 years.
  4. A bank statement of the past 6 months is needed.
  5. You should attach two passport size photographs.
  6. You must submit proof of office address.
  7. And you should affix evidence of office ownership.

Eligibility Criteria for AU Small Finance Bank Personal Loan

SALARIED:

  1. You should be a citizen or a permanent resident of India.
  2. The minimum eligible age is 25 years, and the maximum is 65 years.
  3. Your work experience to avail a personal loan is 6 months in the current company and 3 years overall.
  4. The minimum income should be Rs. 20, 000/- per month.
  5. Your residence should either be rented or owned, or the company should provide it.

To know more visit Personal Loan for Salaried

SELF EMPLOYED:

  1. You should be an Indian citizen or a permanent resident.
  2. The minimum age needed is 25 years and a maximum of 65 years.
  3. A minimum of 3 years of work expertise in the same business is required.
  4. You should be filing an Income Tax Return (ITR) of Rs. 2.50 lakhs per annum from the past 3 years.
  5. Your office/residence either should be owned or rented by you.
  6. Any one out of your residence or your office should be your own.
  7. The mobile/telephone is compulsory at your residence and office.
  8. And big partnership firms, Private Ltd., organizations, and deemed Limited companies are also eligible for a personal loan.

To know more visit Personal Loan for Self Employed

AU Small Finance Bank Personal Loan Interest Rates

A personal loan from AU Small Finance Bank Bank’s interest rates differs due to many reasons such as your earnings, credit history, CIBIL or credit score, and a lot more. However, the starting interest rate is 10.75% per annum, which is under 1% per month.

Also, the processing fees lie in 0-2% of the loan amount.

To know more click Interest rates Personal loan.

How to Apply for AU Small Finance Bank Personal Loan?

  • Visit Dialabank.
  • Fill out Personal Loan form
  • Wait for our relationship manager to contact you
  • And after submitting the documents to the bank, you will get the loan amount within 48-72 hours.

FAQ’s About AU Small Finance Bank Personal Loan

Q. What is AU Small Finance Bank Personal Loan?

When you are in urgent need of financial help you can apply for a Personal Loan from AU Small Finance Bank. A Personal Loan can be availed without the need for submitting a security and loan amount can be used for any personal need.

Q. What is the Personal Loan rate of interest in AU Small Finance Bank?

Personal Loan rate of interest in AU Small Finance Bank starts at 10.75% per annum. You can visit Dialabank’s online portal to compare the rates of different banks and finance companies across India.

Q. How can I get AU Small Finance Bank Personal Loan?

To get a Personal Loan you will have to visit the nearest branch with basic KYC documents, PAN card, and income proofs(salary slips, bank statement). You can also contact Dialabank to avail of the best financial advice and get the personally curated deals and offers for all your financial needs.

Q. How to apply for Personal Loan in AU Small Finance Bank?

Apply for a Personal Loan by walking into the nearest AU Small Finance Bank branch with all the requisite documents. You can also apply online with Dialabank and avail personalized assistance for all your financial needs.

Q. Why apply for AU Small Finance Bank Personal Loan?

AU Small Finance Bank Personal Loans can be used for any personal financial needs. Be it a wedding, travel, bills, repair and renovation of home, etc. You do not have to provide any collateral security in exchange for your loan and the repayment can be done in monthly installments, EMIs.

Q. How much EMI on AU Small Finance Bank Personal Loan?

Calculate your AU Small Finance Bank Personal Loan EMI using your loan tenure, loan amount, and rate of interest on Dialabank’s EMI calculator and apply for all your loan needs with us.

Q. How much CIBIL score required for AU Small Finance Bank Personal Loan?

A CIBIL score above 700 is preferred by AU Small Finance Bank to disburse a Personal Loan. Being an unsecured loan your CIBIL score plays a big role in determining your loan eligibility as it calculates the risk of default for your lender.

Q. Minimum credit score needed for AU Small Finance Bank Personal Loan?

The credit score is a measurement and estimate of your creditworthiness. AU Small Finance Bank requires you to have a credit score of at least 700 to consider your loan application for approval.

Q. How to calculate AU Small Finance Bank Personal Loan EMI?

Use your loan amount, loan tenure, and rate of interest to calculate your Personal Loan EMI using the EMI calculator available on Dialabank’s website.

Q. What can I use AU Small Finance Bank Personal Loan for?

You can use your AU Small Finance Bank Personal Loan for several financial needs such as funding your marriage or that of a relative, pay all your big and small bills, renovate or repair your home, etc.

Q. Can I prepay AU Small Finance Bank Personal Loan?

If you have the required funds you can pre-close your loan by visiting the branch of AU Small Finance Bank from where your loan was approved and asking your banker about the prepayment facilities.

Q. How to prepay AU Small Finance Bank Personal Loan?

When you have the required money and feel the need to close your loan at once, just visit the nearest AU Small Finance Bank branch with your loan documents and apply for a foreclosure. You may be asked to pay a small foreclosure fee in addition to your outstanding loan amount.

Q. How to repay AU Small Finance Bank Personal Loan?

Repay your Loan in easy burden-free EMIs that are automatically deducted from your bank account each month. Your AU Small Finance Bank Personal Loan can be repaid through post-dated cheques too.

Q. What documents are needed for AU Small Finance Bank Personal Loan?

Aadhar Card/Voter ID, PAN Card, Salary Slips, Bank Statement, and ITR File are the documents that are required to avail of a Personal Loan from AU Small Finance Bank.

Q. How to check AU Small Finance Bank Personal Loan status?

Visit your loan branch or contact the customer care number of AU Small Finance Bank to know the status of your loan application and stay updated.

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