Bangiya Gramin Vikas Bank Personal Loan

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

Bangiya Gramin Vikas Bank Personal Loan

Bangiya Gramin Vikas Bank came into existence after the collaboration of five Regional Rural Bank namely United Bank of India, Gaur Gramin Bank, Sagra Gramin Bank, Nadia Gramin Bank, and finally Murshidabad Gramin Bank. The bank was founded in the year early 2007 after the amalgamation of the given five banks. The head office of the bank is in Behrampore, West Bengal. The primary motive of the bank is to improve the rural economy by providing financial products to the rural people of the state. One of the most frequently availed financial product that BGV bank offers is a personal loan. In this loan, a borrower does not need to provide collateral value against the loan amount. Thus, making private investment an unsecured way of taking credit from the bank.

About Bangiya Gramin Vikas Bank Personal Loan

Are you looking for funds to buy a new machine to upscale the business production? Looking for a way to buy a new TV but don’t want to spend your saving? Then personal loan is the right option for you. You can use the loan amount of this loan in any way you want without having to deposit any collateral. In comparison to another loaning scheme personal loan comes with an affordable rate of interest. You can avail this online via financial portals like Paisso and DialaBank.
So what are you waiting for? Grab the best deals, and personal loan offers now. APPLY NOW.

How does Bangiya Gramin Vikas Bank Personal Loan work?

  1. Firstly, the applicant needs to apply for the personal loan.
  2. Once the applicant has submitted his/ her form bank employee evaluates it.
  3. In addition to this, the bank also checks your CIBIL and income eligibility.
  4. After that, the bank comes up with the loan amount and the interest rate number.
  5. Now if you choose to take a loan on the decided principal amount and the interest rate the disbursal of the investment takes place.

Bangiya Gramin Vikas Bank Personal Loan Eligibility

For the salaried applicant:
  1. Firstly, your age should be in between 21 years to 61 years.
  2. Also, your salary has to come to a bank account.
  3. Moreover, at the time of availing this loan your credit score needs to be above 750.
  4. Furthermore, you must be working with the current employer for at least one year.
  5. In addition to this, the salaried applicant must have one year of working experience.
For the self-employed applicant:
  1. First, the age criteria for the independent applicant is 25 to 65 years.
  2. Your business needs to be running for about three years at least.
  3. Also, your business must yield 30 Lacs as the annual turnover.
  4. Most importantly your credit score needs to be above 750 to avail this loan.

Bangiya Gramin Vikas Bank Personal Loan Documents

  1. Firstly, the bank requires an identity proof it could be any of the following documents:-  Aadhar Card / PAN Card/ Voter ID Card/ Passport/ Driving License.
  2. After that, you need to show your living proof. You can provide any of these documents for residential verification Aadhar Card / PAN Card/ Voter ID Card/ Passport/ Driving License/Ration Card. In case you living in a rented apartment you can provide utility bills or your rental agreement.
  3. Also, the salaried applicant needs to provide income proof. You can use your last six months of banks statement along with past six months pay slips.
  4. On the other hand for self-employed applicant bank requires latest ITR return paper and audited business paper as income proof.

Interest Rates on Bangiya Gramin Vikas Bank Personal Loan

10.70% is the minimum rate of interest you can expect that bank will provide you on the personal loan. You can expect this rate of interest if the applicant is perfect. Also, once the bank decides the loan amount it remains same throughout the loaning tenure.

 Advantages of Bangiya Gramin Vikas Bank Personal Loan

  1. Firstly, you get to avail loan at an affordable interest rate which is the main criteria we all look before making a decision.
  2. Also, the documentation process is fast and hassle-free. All you need to do is provide the required documents to the bank and bank will evaluate it.
  3. As a result, if your loan request meets all the bank standards, your loan gets approval within 30 minutes.
  4. Likewise, the tenure options for this loan ranges from 1 year to 5 years.
  5. Furthermore, the loan amount is entirely dependent on the individual who is availing.
  6. So you might get a lower interest rate in comparison to another applicant who availed for the same loan amount.
  7. Like we have said earlier you are free to use the loan amount in any way you like the bank has no restriction for the expenditure of the loan amount.
  8. Both salaried and self-employed applicant is eligible to take benefits from these loans.
  9. Most importantly, you don’t need to provide any collateral to the bank. Thus, your belongings will never be used to get the money back.

How to avail for Bangiya Gramin Vikas Bank Personal Loan online?

  1. First of all, you need to go DialaBank
  2. Once you reach on the site, you need to provide your necessary details along with your contact information.
  3. Now all your work is done. Sit back and relax our RM will soon be in touch with you.
  4. Our RM will reach you within 30 minutes.
  5. Once we get connected, our RM will provide you details of offers and deals which you can get on your loan.
  6. Also, our expertise does not cost you a single Rupee.
  7. Thus, you can take our help any time you want we are always happy to provide you assistance.

FAQ’s About Bangiya Gramin Vikas Bank Personal Loan

What is Bangiya Gramin Vikash Bank Personal Loan?

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

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

Personal Loan rate of interest in Bangiya Gramin Vikash 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.

How can I get Bangiya Gramin Vikash 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.

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

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

Why apply for Bangiya Gramin Vikash Bank Personal Loan?

Bangiya Gramin Vikash 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.

How much EMI on Bangiya Gramin Vikash Bank Personal Loan?

Calculate your Bangiya Gramin Vikash 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.

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

A CIBIL score above 700 is preferred by Bangiya Gramin Vikash 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.

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

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

How to calculate Bangiya Gramin Vikash 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.

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

You can use your Bangiya Gramin Vikash 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.

Can I prepay Bangiya Gramin Vikash Bank Personal Loan?

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

How to prepay Bangiya Gramin Vikash Bank Personal Loan?

When you have the required money and feel the need to close your loan at once, just visit the nearest Bangiya Gramin Vikash 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.

How to repay Bangiya Gramin Vikash Bank Personal Loan?

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

What documents are needed for Bangiya Gramin Vikash 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 Bangiya Gramin Vikash Bank.

How to check Bangiya Gramin Vikash Bank Personal Loan status?

Visit your loan branch or contact the customer care number of Bangiya Gramin Vikash Bank to know the status of your loan application and stay updated.

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