About Baroda Rajasthan Kshetriya Gramin Bank Personal Loan
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan is a bank that provides customers with numerous services and financial help. It 
even provides candidates with personal loans with numerous offers, benefits deals with low-interest rates and schemes.
The interest rate on a personal loan could range from 13% to 15% per annum or even more. The interest rate is dependent on the lender’s policies and has to be followed. The interest rate on personal loans is determined by various factors like your credit history, including your repayment track record, credit score, annual income, to date debt-to-income ratio, employment security, etc.
Important Loan Schemes available of Baroda Rajasthan Kshetriya Gramin Bank
BRKGB -Baroda Rajasthan Kshetriya Gramin Bank
| 1. BRKGB Kisan Credit Card Scheme |
| 2. BRKGB Krishak Sampda Rakh Rakhav Rin Yojana |
| 3. BRKGB Krishak Mitra(Sathi) Yojana |
| 4. BRKGB Tractor and Implements Loan Scheme |
| 5. BRKGB Krishak Vahan Rin Yojana |
| 6. BRKGB Saral Krishi Rin Yojana |
| 7. BRKGB Sampati Rin Yojana |
| 8. BRKGB Premimum Sampati Rin Yojana |
| 9. BRKGB Saral Vyapar Rin Yojana |
| 10. BRKGB Sulabh Rin Yojana |
| 11. BRKGB Premium Sulabh Rin Yojana |
| 12. BRKGB General Credit Card (GCC) |
| 13. BRKGB Swarojgar Credit Card Yojana |
| 14. BRKGB Artisan Credit Card Yojana |
| 15. BRKGB Housing Loan Scheme |
| 16. BRKGB House Repair/ Renovation/ Extension and Interior Decoration Loan Scheme |
| 17. BRKGB Education Loan Scheme |
| 18. BRKGB S.M.E. Loan Scheme |
| 19. Small Road Transport Loan Scheme |
| 20. BRKGB Apna Vahan Rin Yojana |
| 21. BRKGB Two-wheeler Loan Scheme |
| 22. BRKGB Loan scheme for financing Joint Liability Groups |
| 23. BRKGB Hathkarga Bunkar Samuh (HWG) Loan Scheme |
| 24. BRKGB Loan Against NSCs/KVPs |
| 25. BRKGB Loan against Life Insurance Policies |
| 26. BRKGB Loan Schemes for financing Master Weavers |
| 27. BRKGB TUF (Technology Upgradation Fund) Loan Scheme |
| 28. BRKGB Loan Scheme for Agricultural Activities |
| 29. BRKGB Loan Scheme for Non-agricultural Activities |
| 30. BRKGB Loan Against Warehouse Receipts |
| 31. BRKGB Loan scheme for Doctors/ Hospitals |
| 32. BRKGB Top Up Loan Yojana |
| 33. BRKGB Future Rental Yojana |
| 34. BRKGB WASH Scheme |
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Eligibility
The eligibility criterion for a personal loan for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan are:
| Particulars | Salaried | Self-Employed |
| Age | 21 – 60 years | 21 – 65 years |
| Minimum Income | Rs.15,000* | Rs.5 Lakh p.a. |
| Co-applicant | Not mandatory | Not mandatory |
| Loan Tenure | 12 – 60 months | 12 – 60 months |
| Maximum Loan Amount | Rs.40 Lakh | Rs.40 Lakh |
| Employment Type | Employees of private limited companies and public sector undertakings |
Self-employed individuals
|
| Employment/Business Continuity | At least 2 years; minimum 1 year with current employer |
4 years Post Qualification experience for Doctors/ Chartered Accountants.
5 years Post Qualification experience for Company Secretary / Architect. |
| CIBIL Score | 750 and above | 750 and above |
| Residential Status |
Resident Indian staying in own house or a rented house
|
|
*In cities such as Kochi, Kolkata, Ahmedabad, Pune, Hyderabad, Mumbai, Chennai, Bengaluru, and Delhi the net monthly income required is Rs.20,000
*Note: The eligibility criteria vary from lender to lender.
Check Personal Loan Eligibility with Top Lenders in 2021
| Bank | Age Limit | Minimum Work Experience |
Minimum Income (Per Month)
|
| SBI | Up to 76 years | NA** | Rs.15,000 |
| HDFC | 21 to 60 years | 2 years | Rs. 20,000 |
| Private | 23 to 58 years | 2 to 5 years | Rs.17,500 |
| Axis | 21 to 60 years | NA** | Rs.15,000 |
| Kotak Mahindra | 22 to 55 years | 1 year | Rs.25,000 |
| Tata Capital | 21 to 58 years | 1 year | Rs.15,000 |
| IndusInd | 21 to 60 years | 2 to 5 years | Rs.25,000 |
| Ujjivan Small Finance | 22 to 58 years | NA** |
Above the minimum wage limit
|
| India Infoline Finance Limited | 25 to 60 years | 6 months to 2 years | Rs.35,000 |
| HDBFS | 21 to 65 years | 1 year to 3 years |
Rs.15,000 for salaried
Rs.1 lakh p.a. for self-employed |
| Indian Overseas Bank | Up to 58 years | NA* | Rs.5,000 |
| IDFC First Bank | 23 to 68 years | 3 years | NA* |
| Federal Bank | 21 – 55 Years | 3 years | Rs.25,000 |
| Punjab National Bank | 21 – 58 years | 2 years for doctors | Rs.15,000 |
| Andhra Bank | 21 – 55 years | NA** | NA* |
| Canara Bank | NA** | NA** |
Salaried: Rs.6,000 & above
Self-employed – Rs. 1.5 lakh |
| IDBI Bank | Up to 75 years for Pensioners | NA** | Rs.1.5 lakh p.a. |
| Fullerton India | 21 to 55 years | 1 to 2 years | Rs.15,000 |
| RBL Bank | 25 to 60 years | 1 to 3 years | Rs.25,000 |
| Bank of Baroda | 21 to 60 years | 1 year to 2 years |
60% of gross monthly income
|
| Deutsche Bank | 25 to 60 years | NA** | Rs.25,000 |
| Karnataka Bank | NA** | 3 years | NA* |
| United Bank of India | up to 75 Years | 2 years | NA* |
| UCO Bank | 21 to 65 years | 1 year to 5 years | Rs.20,000 |
*Personal loan disbursal is solely at the bank’s discretion and as per the bank’s terms and conditions
Learn More about Personal Loan: Click Here
Documents Required for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan
The documents required for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan are:
List of Documents Required for Salaried Applicants
Salaried individuals must submit the following documents in addition to a completed personal loan application form:
| Photo Identity Proof (Any one) | Passport PAN Card Voter’s ID Aadhar Card Driving License |
| Address Proof (Any one) |
Passport
Utility Bill (telephone, electricity, water, gas) – less than 2 months old Aadhaar Card Driving License Ration Card |
| Income Proof |
Salary slips (Last 3 months)
Bank statements for the last 3 to 6 months (showing salary credit) |
| Tax Paid (Any one |
IT returns (for 2 years)
Form 16 |
| Residence Ownership Proof (Any one) |
Property documents
Maintenance bill Electricity bill |
| Proof of Job Continuity (Any one) |
Current employment certificate
Current job appointment letter (if more than 2 years have been spent in the same organisation) Experience certificate (previous employer’s relieving or appointment letter along with job certificate) |
| Proof of Investment (if any) |
Fixed assets, fixed deposit, shares, etc.
|
| Existing Loans (if any) |
Payment Track Record & Sanction letter
|
| Photograph |
One coloured passport size photograph
|
List of Documents Required for Self-employed Applicants
Self-employed personal loan applicants must submit the following documents in addition to a fully completed loan application form:
| Photo Identity Proof (Any one) | Passport PAN Card Voter’s ID Aadhaar Card Driving License |
| Address Proof (Any one) |
Passport
Aadhaar Card Driving License Utility Bill (telephone, water, electricity, gas) – less than 2 months old Ration Card |
| Proof of Residence Ownership (Any one) |
Property documents
Maintenance bill Electricity bill |
| Proof of Office Address and Ownership (Any one) |
Maintenance bill
Property documents Electricity bill |
| Proof of Business Existence (Any one) |
Copy of GST registration
Company registration license Shop establishment proof |
| Income Proof |
Last 2 years Income tax returns of the applicant along with computation of income duly attested by a Chartered Accountant
Audited balance sheet and Profit & Loss accounts, including tax audit report, if applicable |
| Bank statement |
Savings/current account bank statement/ bank passbook for the past one year
|
| Proof of Investment (in case any) |
Investments such as fixed deposit, fixed assets, shares, etc.
|
| Existing Loans (in case any) |
Payment Track Record and sanction letter
|
| Professional Degree Certificate |
In case of professionals
|
| Photograph |
One coloured passport size photograph
|
List of Documents Required for NRI Applicants
When applying for a personal loan, NRI candidates are typically required to submit the following documents:
| Identity Proof | Copy of the passport Copy of the visa |
| Employment Proof | Letter of Appointment Job contract Labour/ Identity card (if applicable) Official email ID or the HR’s email ID |
| Income Proof | Last 6 months’ bank statements Last 6 months’ salary slips or salary certificate |
| Photograph | Passport size photographs |
List of Documents Required for Pensioners
When applying for a personal loan, a pensioner must submit the following documents:
| Identity/Age Proof (Any one) |
Ration card
Passport PAN card Aadhar card Voter ID card Driving licence Birth certificate School leaving certificate |
| Address Proof (Any one) | Passport Aadhaar card Utility bills Ration card Driving licence |
| Income Proof (Any one) |
Last 6 months’ bank statements/salary slips
Bank passbook Form 16 Copy of pension payment order Income tax returns |
| Photographs |
Passport size photographs
|
Know More About: Personal Loan Eligibility Criteria
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Approval Process
Step 1: When the bank receives the personal loan application, the bank will verify the information you gave in the application form. Banks will note details such as salary deposits, bank statements, and any other activity such as deduction of EMI from your account.
Step 2: Then comes the verification stage, where the data provided by you to the bank is verified. The KYC is achieved here. The bank officials may contact you for the bank applications and documents required for the loan. The bank cross verifies documents provided and inquires in the workplace or may visit your home to dodge any fraud.
Step 3: Here’s when the credit score of 650 or more is appreciated, and your loan is instantly approved. Next, the bank looks at the transition history so far then, IT returns are examined for the approval of the loan.
Step 4: The loan amount for the personal loan and tenure will be decided by the bank based on the following:
annual salary, credit score, age, salary growth rate, and years left in job service.
Step 5: Once your loan is sanctioned, pay the processing expense and use the financiers for business or personal use.
Steps to Apply for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan
Step 1: Visit the official website of Dialabank or contact us on 9878981166, or even send us an email at booking@dialabank.com.
Step 2: Fill in the information demanded by DialaBank for approving the form and submit the form to the lender.
Step 3: With this, Dialabank would advise you of the amount of money you are qualified to.
Step 4: Lastly, Dialabank will process your documents and verify them, and if the bank approves the loan, it will instantly transfer the money into your bank account.
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Approval Process FAQs
✅ How Can I contact Baroda Rajasthan Kshetriya Gramin Bank for Personal Loan?
Contact: 0145-2642621, 2642580
Fax -0145-2642603, Email ID: ho@barodarajasthanrrb.co.in
✅ How can I apply for the Baroda Rajasthan Kshetriya Gramin Bank Personal Loan?
Through both offline and online, an individual can apply for a personal loan. For offline, you can visit the nearest Baroda Rajasthan Kshetriya Gramin Bank for Personal Loan and online, visit DialaBank for more information.
✅ What is the minimum age for getting a Personal Loan from Baroda Rajasthan Kshetriya Gramin Bank?
The minimum age to apply for Baroda Rajasthan Kshetriya Gramin Bank’s Personal Loan is 21 years.
