Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Key Features Apr 19 2024
| Eligibility Criteria | Details |
| Age | 21 to 58 yrs(at loan maturity) |
| CIBIL Score | 650 or above |
| Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Interest Rate | 9.99% p.a. |
| Lowest EMI per lakh | NIL |
| Tenure | 12 to 60 Months |
| Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Processing Fee | 1%-2% |
| Prepayment Charges | Decided by bank |
| Part Payment Charges | Decided by bank |
| Minimum Loan Amount | Rs. 5000 |
| Maximum Loan Amount | Rs. 20 Lakh |
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Eligibility Criteria
Eligibility criteria for a personal loan:
| CIBIL score Criteria | 650 or above |
| Age Criteria | 21 to 58 yrs |
| Min Income Criteria | Rs. 15,000 to Rs 25,000 |
| Occupation Criteria | Salaried/Self-Employed/Pensioner |
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Interest Rate and Charges
Best Personal Loan Interest Rate
| Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Interest Rate | 9.99% p.a. |
| Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Processing Charges | 1%-2% |
| Prepayment Charges | NIL |
| Stamp Duty | N/A |
| Cheque Bounce Charges | As per bank |
| Penal Interest | As per bank |
| Floating Rate of Interest | NIL |
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Documents Required
Documents required to Get Personal Loan
| Form | Duly filled and signed the application form |
| Proof of Identity | Copy of: > Passport > Driving License > Aadhaar Card > Voter ID Card |
| Proof of Address | Rent Agreement (Min. 1 year of stay) Utility Bills Proof of permanent residence Ration card, Bank Account Statement, Latest Credit Card Statement |
| Proof of Income | ITR: Last two financial years( For self-employed)
> Salary Slip: Last 6 months (Salaried Employee) > Bank Statement: Last 3 months |
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan EMI Calculator
Personal Loan EMI Calculator online.
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Compared to Other Banks
| Particulars | Baroda Rajasthan Kshetriya Gramin Bank | HDFC Bank | Bajaj Finserv | Axis Bank | Citibank | Private Bank |
| Interest Rate | 9.99% | 11.25% to 21.50% | Starting from 12.99% | 15.75% to 24% | Starting from 10.99% | 11.50% to 19.25% |
| Tenure | 12 to 60 Months | 12 to 60 months | 12 to 60 months | 12 to 60 months | 12 to 60 months | 12 to 60 months |
| Loan amount | Up to Rs. 20 Lakh | Up to Rs. 40 lakh | Up to Rs. 25 lakh | Rs. 50,000 to Rs. 15 lakh | Up to Rs. 30 lakh | Upto Rs. 20 lakh |
| Processing Fee | 1%-2% | Up to 2.50% of the loan amount | Up to 3.99% of the loan amount | Up to 2% of the loan amount | Up to 3% of the loan amount | Up to 2.25% of the loan amount |
Other Loan Products from Baroda Rajasthan Kshetriya Gramin Bank
Why should you apply for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan with Dialabank?
- The leading financial support in the nation.
- Very little paperwork is involved in the process of approval.
- Swift approval is our priority and we stand stiff on the same.
Ring on 9878991166 for any query.
How to Calculate EMIs for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan?
There is a requirement of the following information to calculate:
EMI:
- Loan of the Amount
- The Interest Rate of the loan
- Tenure of the loan
Substitute the values in the calculator and find your monthly EMIs.
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Processing Time
- Fast processing
- It needs less paperwork
- A processing fee may vary and can be asked by the bank
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Preclosure Charges
If your funds are ready then you can apply for Preclosure. For more details make a call or visit the branch.
Different Offers For Baroda Rajasthan Kshetriya Gramin Bank Personal Loan
Baroda Rajasthan Kshetriya Gramin Bank Home Loan
Baroda Rajasthan Kshetriya Gramin Bank offers personal loan for a home:
- Age: A minimum of 21 years is a must and not exceeding 60 years.
- The applicant should have more than the basic required Income.
- Strong and regular income is mandatory for home loan applicants.
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan for Government Employees
Baroda Rajasthan Kshetriya Gramin Bank offers personal loans to all the Govt. employees. The loan amount depends on the Company in which you are working.
Baroda Rajasthan Kshetriya Gramin Bank Education Loan
- Baroda Rajasthan Kshetriya Gramin Bank offers Education loans up to Rs 10 lac in India and Rs 20 lac to study abroad.
- The loan limit should be above Rs 4.00 lac.
- Max Loan to study in India is Rs 10 lac.
- Max Loan to Study in India is Rs 20 lac.
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan for Pensioners
- Bank may as for the processing fee.
- Very attractive and affordable interest rates.
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Balance Transfer
- You can shift/transfer your outstanding amount to some other institution,
- With low-interest rates
- And long tenure available for the repayment
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Top Up
Baroda Rajasthan Kshetriya Gramin Bank’s personal loan provides a top-up that means an additional amount on the existing loan.
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Overdraft Scheme
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Offers an Overdraft Scheme. With this, you are provided with 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 the Baroda Rajasthan Kshetriya Gramin Personal Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Status
- Visit the site of this bank.
- Check the eligibility.
- Fill the form with your information.
- Our managers will contact you.
Types of Baroda Rajasthan Kshetriya Gramin Bank Personal Loan
Home renovation loan
Baroda Rajasthan Kshetriya Gramin Bank provides individuals who plan to renovate their homes with a home improvement loan. This personal loan can fund critical repairs or allow the borrower to purchase new furniture, fixtures, and furniture for the house. Four of the Baroda Rajasthan Kshetriya Gramin Bank Home Renovation Loan’s major features are:
- The Home Renovation Loan of Baroda Rajasthan Kshetriya Gramin Bank’s interest rate starts at as low as 11.25%.
- Individuals will be liable to renew their homes with a loan of up to Rs. 20 Lakh.
- Baroda Rajasthan Kshetriya Gramin Bank’s home improvement loan needs minimum paperwork to free up the whole credit process.
- Usually, within 72 hours after the bank accepts the applications, the loan balance will be credited to the account.
Holiday loan
The holiday loan from Baroda Rajasthan Kshetriya Gramin Bank will help you budget for your dream vacation with limited difficulties. A number of holiday-related expenses will be funded by this personal loan from Baroda Rajasthan Kshetriya Gramin Bank, including the booking of flight fares, hotel accommodation, guided tours, etc. The Baroda Rajasthan Kshetriya Gramin Bank Holiday Loan’s key features are:
- Interest rates on holiday loans starting at 11.25 percent p.a.
- You should use up to Rs 20 Lakh easily so that a financial crunch would not spoil your perfect vacation
- Simplified and limited paperwork means fast and easy funding for your holiday.
- Quick processing of the loan directly credited to your account and disbursement
Fresher funding
Most unsecured personal loans are meant for individuals with a daily income, while the Fresher Funding of Baroda Rajasthan Kshetriya Gramin Bank is distinct. The loan option provided by Baroda Rajasthan Kshetriya Gramin Bank is intended to help refreshers, i.e. recent graduates searching for their first job. Few of Baroda Rajasthan Kshetriya Gramin Bank Fresher Personal Loan Funding’s main features are as follows:
- Up to Rs 1.5 lakh loan
- A candidate must be 21 years of age or older.
- The interest rate for Fresher Funding depends on the applicant’s profile, credit history/score, applicant’s age, and place.
NRI Personal Loan
Knowing the wishes and desires of NRIs, Baroda Rajasthan Kshetriya Gramin Bank provides NRIs directly with a personal loan. An Indian resident must be the main loan borrower, and a close relative must be the NRI co-applicant. The Personal Loan includes the following features for NRIs:
- Baroda Rajasthan Kshetriya Gramin Bank offers NRIs with adjustable end-use personal loans of up to Rs. 10 lakh.
- NRI Personal Loan interest rates launch at 15.49 percent p.a.
- Up to 36 months is the term of the loan.
How to Apply for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan?
There is less requirement for paperwork. Saves your time and consists of quick approval. Availing a personal loan is very simple; all you have to do is to:
- Meet Dialabank at Dialabank and fill out the mentioned form.
- Receive a call from our representative.
- Get assistance from our representative throughout the process.
Personal Loan Verification Process
Following the online submission of your loan application to Dialabank, the following are the principal stages of the personal loan authentication process.
Stage 1. Dialabank will forward to your chosen lender your loan application, and you will usually get a call from the representative of the lender within 48 hours.
Stage 2. The possible lender can arrange for your KYC documents, salaries, etc. to be collected or provide an opportunity to upload them online. To confirm your submission, these documents will be used.
Stage 3. You will get another call to confirm the loan bid and seek your permission for disbursement if the lender’s verification has been fulfilled and your loan has been approved.
Stage 4. The loan is normally disbursed within 48 hours of the loan’s acceptance and adequate verification.
Note: The timeframe for verification/disbursement of personal loans, as stated above, can vary on the basis of the internal criteria of the lender, as well as other parameters.
Check your Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Application Status
The process for checking your application’s status requires the following steps:
- Visit the official website of Baroda Rajasthan Kshetriya Gramin Bank, click on ‘Products’, and select ‘Personal Loans.’
- Click ‘More and choose’ Review Loan Application Status.’ on the next tab that opens below.
- Firstly, by submitting details such as your contact number, date of birth, and either entering the OTP you get on your mobile number or using your application number, you can check your application status.
How to login in Baroda Rajasthan Kshetriya Gramin Bank Portal
- Visit the Official Website of Baroda Rajasthan Kshetriya Gramin Bank.
- In the upper right corner of the screen, press the ‘Login’ button.
- Using your user ID and password or your registered cell phone number to log in.
How to Check Your Loan Statement
By taking the following steps, customers can download the bank’s loan statement:
- Visit the official website of the bank.
- Tap ‘Get in touch’ and click ‘Requests for help’ from the drop-down column.
- On the next page that opens, pick ‘Personal Loan Related’ under the ‘Loans’ menu.
- Next, press the ‘Loan Account Statement Order’ button.
- To make use of the bank’s loan statement, log in using your user ID and password or using your registered cell phone number and OTP.
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Restructuring (COVID-19)
Many borrowers have been adversely affected by the national lockout due to the COVID-19 pandemic, and a six-month moratorium on various term loans has been declared to some degree to minimize its impact. Baroda Rajasthan Kshetriya Gramin Bank announced an RBI-mandated one-time gain from the Baroda Rajasthan Kshetriya Gramin Bank loan restructuring after the six-month moratorium was terminated. This mechanism aims at providing continued relief to borrowers who are still unable to repay their daily EMI due to the ongoing financial distress of the pandemic.
In order to minimize the monthly EMI payments, the loan settlement scheme implemented by Baroda Rajasthan Kshetriya Gramin Bank provides for an extended moratorium of up to 2 years or an extension of the current period of maturity. It is necessary to bear in mind, of course, that the restructuring of the loan by Bajaj Finance employees would result in additional interest rates exceeding those applicable to the initial loan. Using this relief method only as a last resort is also necessary so that the unpaid loan does not end up defaulting.
Baroda Rajasthan Kshetriya Gramin Bank Customer Care
Customers can approach Baroda Rajasthan Kshetriya Gramin Bank’s Customer Support via any of the following means:
By phone: You can call Baroda Rajasthan Kshetriya Gramin Bank on 02962-250318 (toll-free)
Callback order: You can also make a return call by accessing the bank’s website.
Online Chatbot: You can even have an apple Chatbot online to answer your questions.
Visit Branch: To obtain your requests, visit the nearest Baroda Rajasthan Kshetriya Gramin Bank branch.
Benefits of Applying for Personal Loan on Dialabank
On the Dialabank website, there are many drawbacks to applying for a personal loan. Below, some of these are given:
- 24 x 7 Accessibility: You can reach the Dialabank website anywhere, wherever and even apply at any time for a personal loan from the comfort of your home or office.
- Multiple lenders on a single platform: Dialabank helps you to view personal loan offers on a single platform from multiple prospective lenders, avoiding the need to visit multiple bank websites or branches.
- Know EMI instantly: On the Dialabank website, use the personal loan EMI calculator, and you can check the EMIs that you are going to pay for on a personal loan right before applying for one. It can allow you to borrow the amount you need, which you will repay easily and have a stable payment schedule.
- Free of charge: In addition, when applying for a personal loan on Dialabank, you are not required to incur any fees.
Important Aspects
Below are some important items you need to note when applying to Baroda Rajasthan Kshetriya Gramin Bank for a personal loan:
- It is still a smart thing to review your credit report before applying for a personal loan. A decent credit score increases the chances of accepting the loan and will make it possible for you to use a personal loan on conditions that are more desirable.
- It is advisable to compare the expense of a personal loan (interest rates and all associated fees and charges) issued by various lenders on Dialabank before finalizing on a particular lender.
- As per your wishes and ability to repay, borrow. Avoid borrowing only because you have the right to borrow a bigger amount. It will just add to the interest rate and will have no long-term advantages.
- Avoid applying for individual loans concurrently with many lenders. It reveals that you are credit-hungry and therefore increases the amount of demanding credit report requests that can negatively impact your credit score.
FAQs About Baroda Rajasthan Kshetriya Gramin Bank Personal Loan
✅ How to apply for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan?
You can apply for a personal loan at the website of Baroda Rajasthan Kshetriya Gramin Bank or through Dialabank.
✅ What is the Interest Rate for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan?
The Interest Rate for Baroda Rajasthan Kshetriya Gramin Bank’s Personal Loan is 9.99% p.a.
✅ 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.
✅ What is the maximum age for getting a Personal Loan from Baroda Rajasthan Kshetriya Gramin Bank?
The maximum age you need for applying for Baroda Rajasthan Kshetriya Gramin Bank’s Personal Loan is 60 years.
✅ What is the minimum loan amount for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan?
The minimum loan amount Baroda Rajasthan Kshetriya Gramin Bank’s Personal Loan can be asked from the bank by calling them or by visiting personally. Rs. 5000 is the standard amount.
✅ What is the maximum loan amount for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan?
The maximum loan amount for Baroda Rajasthan Kshetriya Gramin Bank’s Personal Loan is Rs. 20 Lakh, but it may vary.
✅ What are the documents required for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan?
You need Proof of Identity, Proof of income, and address proof to apply for Baroda Rajasthan Kshetriya Gramin Bank’s Personal Loan.
✅ What is the Processing Fee for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan?
The processing fee for Baroda Rajasthan Kshetriya Gramin Bank’s Personal Loan is 1%-2%.
✅ How to get Baroda Rajasthan Kshetriya Gramin Bank Personal Loan for Self Employed?
You must have a good and rigid source of income and your credit history should be good to avoid rejection.
✅ What is the Maximum Loan Tenure for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan?
The Maximum Loan tenure is 60 months.
✅ What should be the CIBIL Score for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan?
A good CIBIL Score has less chance of rejection. For Baroda Rajasthan Kshetriya Gramin Bank’s Personal Loan you must have a 650 or above CIBIL Score.
✅ Do I have a preapproved offer for Baroda Rajasthan Kshetriya Gramin Bank Bank Personal Loan?
N/A
✅ How to calculate EMI for Baroda Rajasthan Kshetriya Gramin Bank Personal Loan?
Provide your Principal Loan amount, Loan tenure, and Interest rate in the EMI calculator and know your EMI amount easily.
✅ How to pay Baroda Rajasthan Kshetriya Gramin Bank Personal Loan EMI?
All the procedures will be explained to you once you apply for a personal loan and your application will get approved.
✅ How to close Baroda Rajasthan Kshetriya Gramin Bank Personal Loan?
If your funds are ready then you can apply for Preclosure or after all the EMI’s are paid your loan will get closed.
✅ How to check Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Status?
To know the status just call the bank or check on the website i.e provided by the bank.
✅ How to close Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Online?
With minimal paperwork, Dialabank stands the best option for applying for Baroda Rajasthan Kshetriya Gramin Bank’s Personal Loan. You can also apply through the bank’s official website directly.
✅ How to pay Baroda Rajasthan Kshetriya Gramin Bank Personal Loan EMI Online?
You can pay it through Netbanking or you can pay an EMI.
✅ How to check Personal Loan Balance in Baroda Rajasthan Kshetriya Gramin Bank?
A timely message is sent to your registered mobile number or you can even contact Bank’s Customer care for your queries.
✅ How to download Baroda Rajasthan Kshetriya Gramin Bank Personal Loan Statement?
From the official website of the Baroda Rajasthan Kshetriya Gramin Bank, you can download the statement.
✅ How to Top Up Personal Loan in Baroda Rajasthan Kshetriya Gramin Bank?
You can Top up the Personal Loan in Baroda Rajasthan Kshetriya Gramin Bank by filling the simple form or by visiting the nearest branch.
✅ What happens if I don’t pay my Baroda Rajasthan Kshetriya Gramin Bank Personal Loan EMIs?
You may face action against you and also your CIBIL score will get affected. So being regular is safe for the future.
✅ How to find Baroda Rajasthan Kshetriya Gramin Bank Personal Loan account number?
Following your approval of the application, the account number will be provided.
✅ What is the Baroda Rajasthan Kshetriya Bank Personal Loan closure procedure?
- Just go to the bank with the documents.
- Write a letter for pre-closure of the Baroda Rajasthan Kshetriya Gramin Bank Personal loan account.
- Pay the pre-closure charges as per Baroda Rajasthan Kshetriya Gramin Bank Personal Loan.
✅ What are Baroda Rajasthan Kshetriya Gramin Bank Personal Loan preclosure charges?
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan preclosure charges are Nil.
✅ What is Baroda Rajasthan Kshetriya Gramin Bank Personal Loan overdraft scheme?
For simplifying the process and providing you with a hassle-free service while processing an overdraft scheme at Baroda Rajasthan Kshetriya Gramin 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 Baroda Rajasthan Kshetriya Gramin online banking portal and from there you can fill out a simple form and get an overdraft under your name.
✅ What is Baroda Rajasthan Kshetriya Gramin Bank Personal Loan maximum tenure?
Baroda Rajasthan Kshetriya Gramin Bank Personal loan maximum tenure is 60 months.
✅ What is Baroda Rajasthan Kshetriya Gramin Bank Personal Loan minimum tenure?
Baroda Rajasthan Kshetriya Gramin Bank Personal Loan minimum tenure is 12 months.
✅ What is Baroda Rajasthan Kshetriya Gramin Bank Personal Loan customer care number?
The customers get in touch with the bank via call on 9878981166.
