AU Small Finance Bank Personal Loan

⋆ Interest Rate 9.99% ⋆

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      Why us?

      Rates as low as 9.99%*
      Loans Up to 30 Lacs
      Same Day Disbursal
      Doorstep Service
      Unbiased Experts Advice

      AU Small Finance Bank Personal Loan Key Features Jan 2021

      Eligibility Criteria Details
      Minimum Age 23 years
      Maximum Age 58 years(at maturity)
      AU Small Finance Bank Personal Loan Interest Rate 9.99% p.a.
      Tenure 2 to 60 months
      Prepayment Charges No Guarantor/ Collateral required
      AU Small Finance Bank Personal Loan Processing Fee 1% of Loan Amount
      Minimum Loan Amount ₹2 Lakh
      Maximum Loan Amount ₹ 7.5 Lakh

      Each Feature Explained in Detail Below


      Benefits of AU Small Finance Bank Personal Loan

      1. Minimum Documentation: Minimum documents are required for the application of the AU Small Finance Bank personal loan. So, it saves your time and avail for a personal loan application faster.
      2. No Guarantor/Collateral: You do not need any guarantor for this type of loan, which makes it one of the most accessible products to avail.
      3. Easy and Instant Approval: This type of loan can be easily availed for you as is has less paperwork. So we can get an instant approval for your personal loan.
      4. Multipurpose End Use: Our personal loans used for many purposes. Our personal loans can be used for education, home renovation, wedding, travel, debt consolidation, and healthcare.

      AU Small Finance Bank Personal Loan Eligibility Criteria

      The eligibility criteria for a personal loan are as follows:

      CIBIL score criteria 750 and Above
      Age criteria 23-58years
      Min Income criteria Rs 20,000/month
      Occupation criteria Salaried/Self-employed

      AU Small Finance Bank Personal Loan Interest Rate, Fees & Other Charges

      AU Small Finance Bank charges different interest rates on a personal loan according to age and income.

      AU Small Finance Bank Personal Loan Interest Rate 9.99% per annum
      AU Small Finance Bank Personal Loan Processing Charges 1% of Loan Amount
      Prepayment Charges 36 months: 2% of loan principal outstanding”}”>NIL
      Stamp Duty As per state laws
      Cheque Bounce Charges As per bank terms
      Penal Interest N/A
      Floating Rate of Interest Not Applicable

      AU Small Finance Bank Personal Loan Documents Required

      Documentation required in AU Small Finance Bank is the same for the Salaried applicants, and the Self-Employed Applicants are the following:

      Proof Documents
      Photograph  Recently Clicked
      Identity Proof Passport Copy, Aadhaar Card, Driving License, Voter ID Card
      Address Proof Passport Copy, Aadhaar card, Driving License, Voter ID Card
      Income Proof Salary Slip, ITR Document
      Bank Statements Last 6 months
      Mandatory  PAN Card

      AU Small Finance Bank Personal Loan Comparison with Other Banks

      Particulars AU Small Finance Bank Bajaj Finserv Axis Bank Citibank ICICI Bank
      Interest Rate 9.99% Starting from 12.99% 15.75% to 24% Starting from 10.99% 11.50% to 19.25%
      Tenure 2 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months
      Loan amount Up to Rs.7.5 lakh Up to Rs. 25 lakh Rs. 50,000 to Rs. 15 lakh Up to Rs. 30 lakh Upto Rs. 20 lakh

      How to apply for the AU Small Finance Bank Personal Loan?

      There are two ways for the application of AU Small Finance Bank are the following:

      Apply Online

      • Visit our website Dialabank.
      • Just fill a simple form.
      • Then, our bank representative will contact you soon.

      Apply Offline

      • Search on google nearby personal loans banks and branches.
      • But, prefer AU Small Finance Bank for the instant approval of your personal loan application.

      Why should you apply for AU Small Finance Bank Personal Loan with Dialabank?

      Dialabank will help you to find out the best option by comparing various banks so that you can choose the best. Apply with us today to get the offers and special deals on AU Small Finance bank Personal Loan.

      Call us at 9878981166 to avail AU Small Finance Bank Personal Loan.

      How to Calculate EMIs for AU Small Finance Bank Personal Loan

      You can quickly determine the EMIs on your personal loan, you only require the basic information regarding the loan –

      1. Amount of the Loan
      2. Rate of Interest
      3. Tenure

      Just put the values in the calculator below to find out the exact amount payable each month.

      EMI Calculator

      AU Small Finance Bank Personal Loan Processing Time

      For the processing of Personal Loan Applications, AU Small Finance Bank usually takes 2 weeks or 15 days. Although, AU Small Finance Bank gives the approval for the loan in just a few hours to a maximum of 1-3 days to its pre-approved already existing account holders.

      AU Small Finance Bank Personal Loan Preclosure Charges

      AU Small Finance Bank gives you the option of pre-closing your Personal Loan:

      • After a period of a minimum of 12 months of taking the loan.
      • Paying 12 successful EMIs on your Personal Loan.
      • Although AU Small Finance Bank charges a Prepayment or Pre-closure charge, if you wish to do so we have listed the charges below:
      Time Pre-closure Charge
      Paid Before 12 months 5%
      Paid After 12 months 3%

      Pre Calculated EMI for AU Small Finance Bank Personal Loan

      Loan Amount @ Rate of Interest Tenure Of Loan
      1 year 2 years 3 years 4 years 5 years
      2.5 lakh @ 11.25% Rs. 22,125 Rs. 11,681 Rs. 8,214 Rs. 6,492 Rs. 5,467
      5 lakh @ 12% Rs. 44,424 Rs. 23,536 Rs. 16,607 Rs. 13,166 Rs. 11,122
      10 lakh @ 12.5% Rs. 89,082 Rs. 47,307 Rs. 33,453 Rs. 26,579 Rs. 22,497
      15 lakh @ 13% Rs. 1,33,975 Rs. 71,312 Rs. 50,540 Rs. 40,241 Rs. 34,129

      Different Offers for AU Small Finance Bank Personal Loan

      • AU Small Finance Bank has a broad range of Personal Loan.
      • It offers Personal Loan to Salaried Individuals, Self Employed Individuals.
      • Types of loans: Education, Two Wheeler, Three Wheeler, Micro Loans, Home Loans, etc.

       All of these are given below along with the details and features.

      AU Small Finance Bank Personal Loan for Salaried Employeesau small finance bank personal loan

      • At attractive interest rates, AU Small Finance Bank offers Personal Loan for Salaried Employees.
      • For a tenure of 12-60 months, AU Small Finance Bank offers these loans.

      AU Small Finance Bank Personal Loan for Self Employed Individuals

      • AU Small Finance Bank Personal Loan for Self Employes is a loan product offered to individuals who are self-employed and in need of funds.
      • At attractive interest rates, the bank provides them personal loans for a tenure of 12-60 months.
      • For Self Employed Individuals, more documents required as compared to the Salaried Individuals..

      AU Small Finance Bank Education Loan

      AU Small Finance Bank offers a special loan for education. There are certain eligibility criteria for this type of loan:

      • Duly fill and sign the EDUCATION LOAN application form with a photograph.
      • KYC (Know Your Customer) documents.
      • Salary Certificate and Form No. 16.

      AU Small Finance Bank Home Renovation Loan

      • AU Small Finance Bank provides home renovation loan from Rs. 2 lakh to Rs. 500 Lakh.
      • The applicant must be an Indian.
      • Minimum Age: 18 yrs
      • Maximum Age: 75 yrs(at loan maturity)

      AU Small Finance Bank Personal Loan for Government Employees

      At low-interest rates, Government Employees are offered Personal Loans at low-interest rates by AU Small Finance Bank which starts at about 9.99%. They are given special offers as well as quick defrayal along with the option of choosing the tenure for the loan. From the Defence personnel, No Processing Fee is charged.

       Apply for this by Visiting the nearest AU Small Finance Bank Loan Branch or Call us at 9878981166 to avail AU Small Finance Bank Personal Loan for Government Employees.

      AU Small Finance Bank Personal Loan Balance Transfer

      At most competitive rates, loan transfer is availed. Lessen the burden of your loans by transferring them to AU Small Finance Bank and get the lowest EMIs.

      AU Small Finance Bank Home Renovation Loan

      Home redesign now best the need list for the vast majority of the borrowers however finances become a snag simultaneously. AU Small Finance Bank Home Renovation Loan is acquainted with get your home restored whether it is repainting or tiling AU Small Finance Bank advance covers it all. The vital features of the AU Small Finance Bank home remodel credit are as per the following:

      • The home redesign credit plans and arrangements incorporate essential documentation and no-unpredictability.
      • The AU Small Finance Bank Home credit is accessible for both existing and new clients.
      • This individual unstable credit is accessible in any event a financing cost of 8.00% p.a.
      • The preparing expense for the credit is charged at a good pace of 0.50% alongside added charge.

      AU Small Finance Bank Holiday Loan

      An occasion advance is only a credit taken against your voyaging costs and housing administrations needed to add on to your move away. You can check the trademark highlights of the occasion credit to just affirm store for your intriguing dream excursion:

      • AU Small Finance Bank guarantees moment disbursal of the credit advance for your vacation fun.
      • The preparing expense is charged at an insignificant rate.
      • The financing cost material to the Holiday Loan is 11.25%, etc.

      AU Small Finance Bank Fresher Funding

      AU Small Finance Bank has quickened in the realm of credit which presently has presented another classification of advance that is AU Small Finance Bank Freshers Funding. This unique sort of advance is open to those candidates who are graduates and recently printed proficient representatives who are looking for assets to build up a steady future. Coming up next are the key highlights that the AU Small Finance Bank Freshers Funding show:

      • A good credit entirety is given to the candidates.
      • The up-and-comer must be 21 years old or more.
      • The financing cost charges are subject to the candidate’s profile.

      AU Small Finance Bank Personal Loan Overdraft Scheme

      AU Small Finance Bank Personal Loan Offers an Overdraft Scheme. With this, you are provided a loan amount as an overdraft facility. It works like a Credit Card, where you can spend your Personal Loan Amount as you want anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In AU Small Finance Bank Personal Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

      AU Small Finance Bank NRI Personal Loan

      For some, legitimate reasons individuals will in general move out which regularly incorporate instruction, clinical office, work, and so on For such competitors monetary costs become a deterrent, such crisis individual costs are taken care of by the extraordinary credit classification that is AU Small Finance Bank NRI Personal Loan. The significant highlights of the individual advance are as given underneath:

      • Exceptionally serious rates and adaptable reimbursement residencies for the candidate.
      • No guarantee or security is requested or the development payment.
      • The record confirmation is needed to be joined for both the Indian inhabitant (essential borrower) and the NRI up-and-comer (co-candidate).

      How to Apply Online for AU Small Finance Bank Personal Loan with Dialabank?

      You can apply for AU Small Finance Bank Personal Loan online by visiting the AU Small Finance Bank’s online portal and filling the form for applying for a personal loan or you can simply follow the given steps for applying for an AU Small Finance Bank Personal Loan –

      AU Small Finance Bank Personal Loan

      • Visit DialaBank
      • Fill the Application form and submit it.
      • After that, our experts will contact you for more discussion.
      • After comparing various offers with multiple banks, get feasible loan as per your requirements.

      Personal Loan Verification Process

      The following steps are a must after you apply for a Personal Loan in AU Small Finance Bank which is as mentioned below:

      • After the completion of application form through Dialabank, the bank further proceeds with the application.
      • Bank person will give a call after the verification of the application.
      • Bank books an appointment for the collection of the papers after telephone verification.
      • The further procedure of verifying documents takes place.
      • After the second verification, the loan amount, tenure and rate of interest is decided.
      • Once the affirmation of customer the bank grants the loan.

      Check your AU Small Finance Bank Personal Loan Application Status

      You can check the status of your AU Small Finance Bank Personal Loan by the following methods – 

      • You can likewise hit your loan department and ask the manager for the corresponding.
      • Log In to the AU Small Finance Bank Net banking Portal, Bang on loans from the top ribbon, and click on Enquire to monitor the situation of your investment.
      • Explore for ‘personal loan status’ on Google, initiate the first link which will take you to the Loan Status Tracker webpage of AU Small Finance Bank, and fill the necessary data to check the status of your loan.

      How to Login to AU Small Finance Bank Personal Loan Bank Portal

      • Navigate through the AU Small Finance Bank Website.
      • Log in with your AU Small Finance Bank log in ID and Password.
      • Hit the login key and get access to the bank portal easily.

      AU Small Finance Bank Personal Loan Statement

      • Visit the official website of AU Small Finance Bank and navigate through the page and click on the “Register New Loan”.
      • Fill in all the required details.
      • Now click on the submit key.
      • After which you will receive an OPT that will direct you to register for Loan Statement.

      AU Small Finance Bank Bank Personal Loan Restructuring (COVID-19)

      Amidst the weight of COVID-actuated lockdown, The AU Small Finance Bank indicated a drive to diminish the weight on its borrowers. The bank requested the RBI boycott that completed in the significant length of September. Likewise, all the borrowers were anticipated to proceed back to the past EMI plans. In any case, the borrowers were up ’til now in disorder with respect to how to repay the momentous with ceaseless financial crunches. Considering the adversarial situation AU Small Finance Bank introduced another structure that reinforces the purpose behind its borrowers passable by the RBI.

      The lightening structure is highlighted destressing the borrowers by plunging money related weight. This new framework gives the borrower opportunity to loosen up the repayment residency up to 2 years at explicit results. The comprehensive loosening up will welcome an extra financing cost on the phenomenal whole and thusly, the development will be named as “Modified” in the credit report of the beneficiary. Achieving a remark on the borrower’s FICO rating, likewise, the borrowers are urged to pick the framework in many dismal conditions regardless the repayment plans must get the strings as before.

      AU Small Finance Bank Customer Care

      • Via Phone: The customers get in touch with the bank via call on 9878981166
      • Via Chatbox: The chatbox is open for any suggestion or query on the official site.
      • Branch Visit: The applicant can visit the bank branch for any information on loan approval.

      Benefits of Applying for Personal Loan on Dialabank

      • Easy Access: When the up-and-comer applies for an individual development with Dialabank. The customer can without a very remarkable stretch interface with the bank and have 24*7 accessibility.
      • Handy EMI Calculator: You can easily know the applicable EMI on your Personal Loan with Dialabank’s customer-friendly EMI Calculator that gives accurate EMI Payable on your Personal loan based on the interest rate.
      • Less Documentation: While applying for a Personal Loan with Dialabank the applicant encounters a direct system close by the benefits of basic documentation.
      • Many at One place : The up-and-comer is recommended not to limit their decisions as Dialabank gives you the opportunity to pick and take a gander at changed financial associations right away.

      Important Aspects

      The referred to underneath are two or three centers that should be thought about before you apply for a Personal Loan:

      • It is reasonable to keep the development aggregate as least as could be normal in light of the current situation. Since the repayment of a lesser total is straightforward and brief. The repayment furthest reaches of the applicant is of most outrageous importance while applying for a Personal Loan so the development aggregate should be benefitted by the need rather than profiting higher development whole due to its basic availability.
      • The FICO rating chooses whether the competitor is equipped for the given credit, so it is endorsed to explore the Credit Score before pitching a Loan application. In by far most of the circumstances, the feeble FICO appraisal just prompts a straight excusal of the application.
      • Go for the bank or foundation offering the top level organization and financing cost for the development entirety you require. Consider and look at before consenting to one bank. In the Credit World, the banks are offering genuine financing expenses and residencies for the development aggregate so a second research the banks will simply benefit you.

      FAQs About AU Small Finance Bank Personal Loan

      What is AU Small Finance Bank Personal Loan?

      Since a personal loan does not require any security it needs minimal documentation to provide instant approval for the new customers.

      The interest rate is 9.99% per annum and the loan amount can be used by the borrower ranging from higher studies or a vacation to using the amount for the day today disbursals.

      How does AU Small Finance Bank Personal Loan work?

      The first step is to check the eligibility criteria online. The loan about would be disbursed in 4 hours. The individual applying can avail up to Rs. 7.5 lakhs with the lowest interest rates depending on your eligibility criteria and credit history. The repayment of the loan can be done on an EMI basis.

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

      Personal loan rate of interest in AU Small Finance Bank: 9.99% per annum.

      For checking the latest AU Small Finance Bank Interest Rates: Visit us at Dialabank’s digital platform and compare it to avail the best offers suiting your needs.

      ✅ What is the Processing Fee for AU Small Finance Bank Personal Loan?

      AU Small Finance Bank charges a processing fee of 1% of the loan amount plus GST.

      What is the procedure of Personal Loan in AU Small Finance Bank?

      The procedure to apply for a personal loan with AU small finance bank is trouble-free. To apply for an AU Small Finance Bank personal loan you can do so by visiting the nearest branch with your documents, through an AU Small Finance Bank ATM, or using AU Small Finance Bank’s Loan Assist App. Apply with Dialabank for easy processing.

      The basic steps include:

      1. Calculation of loan amount required: According to your need
      2. Checking your loan eligibility: Online or by the visit.
      3. Approaching the bank: Offline or Online
      4. Submitting the required documents with the banker.
      5. The expense of the loan amount: When your application and documents have been verified and approved.

      How can I get AU Small Finance Bank Personal Loan?

      Getting a Personal Loan from AU Small Finance Bank means minimum documentation ensures a fast disbursement time. Check your eligibility status and contact the bank either by checking it online or by visiting the nearest branch. After submission and verification of the necessary documents, the loan amount will be credited to your bank account in 4 hours.

      How much EMI on AU Small Finance Bank Personal Loan?

      EMI (Equated Monthly Installment): the amount payable to the bank every month as repayment of your personal loan. The EMI on AU Small Finance Bank personal loan is dependent on the loan amount, interest rate, and the tenure of the loan. It is calculated using the EMI calculator on Dialabank’s website.

      How much CIBIL score required for AU Small Finance Bank personal loan?

      AU small finance bank has a requirement of CIBIL Score of 750 and above

      Minimum credit score needed for AU Small Finance Bank personal loan?

      A credit score is a 3 digit number between the range of 300-900 which reflects the creditworthiness of the borrower. It is based on your past credit files and your functioning in the repayment of your loans.

      For a personal loan, AU Small Finance Bank requires a minimum credit score of 750 to become eligible.

      How to calculate AU Small Finance Bank personal loan EMI?

      Formula for calculating EMI on your personal loan: E = P x R x [(1+R)^N] / [(1+R)^N-1] 

      Elaboration:
      Enter Principal amount in “P”, Rate of Interest in “R” and Loan Tenure in “N”.

      Use the Dialabank calculator to know your EMI quickly and know various offers of different institutions.

      What can I use AU Small Finance Bank personal loan for?

      You can use your AU Small Finance Bank personal loan for a number of reasons ranging from small bill payments and daily expenses. It can also be used for many purposes such as debt consolidation, wedding, home renovation, education and etc. Applying through Dialabank’s digital platform, you can fulfill all your monetary needs with a personal loan.

      Can I prepay AU Small Finance Bank personal loan?

      • Prepayment: When a borrower pays off their loan entirely.
      • Option: At least, you have paid 12 month’s EMIs.

      How to prepay AU Small Finance Bank personal loan?

      Steps to prepay your AU Small Finance Bank personal loan:

      • Accumulate the demanded records (PAN, Id verification, and any other investment papers)
      • Tour your loan department and ask for the insight and any pre-closure charges or fines. 
      • You will be prompted to fill a form requesting the prepayment of the loan. 
      • Your loan will be closed as soon as the bank receives the fund.

      How to repay AU Small Finance Bank personal loan?

      You have the choice for the repayment of your AU Small Finance Bank personal loan either by a standing instruction on your bank account to pay the EMI, online payment through different modes or through post-dated cheques given to the loan branch.

      How to repay AU Small Finance Bank personal loan online?

      You can pay your personal loan EMI online in just 5 steps:

      • Visit the payments page at AU Small Finance Bank’s website.
      • Select ‘PAY ONLINE’ to enter your ‘Loan No.’ and ‘Date of Birth’. 
      • Choose your net banker from the drop-down menu and press PAY. 
      • You will be securely redirected to the bank payment interface of your chosen net banking option. 
      • After the completion of the payment, you will receive an online transaction confirmation. Also, pay your AU Small Finance Bank personal loan through Paytm.

      What documents are needed for AU Small Finance Bank personal loan?

      AU Small Finance Bank provides trouble-free personal loans with minimal documents. There is a requirement of your Aadhar card/Voter ID, PAN card, Bank statement of the last 6 months, and the latest salary slips/ITR file. For more information about AU Small Finance Bank, you can contact at 9878981166 Dialabank’s financial helpline number.

      How to check AU Small Finance Bank personal loan status? 

      You have a number of options to check the status of your AU Small Finance Bank personal loan: 

      • Log In: To the  AU Small Finance Bank Netbanking Portal, select loans from the top ribbon, and press Enquire to check the status of your loan.
      • Ask google for ‘personal loan status’ on Google, open the first link which will take you to the Loan Status Tracker webpage of AU Small Finance Bank.
      • Fill the essential information to check the status of your loan.
      • Also, visit your loan branch and ask the banker for the same.

      How to get AU Small Finance Bank personal loan top up?

      Top up is the supplementary loan amount that can be taken from the existing bank of your running loan or at the time of transfer of balance from your new bank.

      Without any cheque bouncing, AU Small Finance Bank lets you avail of this facility if you have paid at least 9 EMIs. You can check the online portal of AU Small Finance Bank for more offers or contact Dialabank for any financial help.

      ✅ What is the AU Small Finance  Bank Personal Loan closure procedure?

      • Just go to the bank with the documents.
      • Write a letter for pre-closure of the AU Small Finance Bank Personal loan account.
      • Pay the pre-closure charges as per AU Small Finance Bank Personal Loan.

      ✅ What is AU Small Finance Bank Personal Loan preclosure charges?

      AU Small Finance Bank Personal Loan preclosure charges are Nil.

      ✅ What is AU Small Finance Bank Personal Loan overdraft scheme?

      For simplifying the process and providing you with a hassle-free service while processing an overdraft scheme at AU Small Finance Bank Personal Loan is provided, it gives you an online way to get your own overdraft, also known as Smartdraft – Overdraft Against Salary. You do not need to visit bank branches and go through a boring process. Just log in to the AU Small Finance online banking portal and from there you can fill out a simple form and get an overdraft under your name.

      ✅ What is AU Small Finance Bank Personal Loan maximum tenure?

      AU Small Finance Bank Personal loan maximum tenure is 60 months.

      ✅ What is AU Small Finance Bank Personal Loan minimum tenure?

      AU Small Finance Bank Personal Loan minimum tenure is 12 months.

      What is AU Small Finance Bank Personal Loan customer care number?

      The customers get in touch with the bank via call on 9878981166.

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