Central Bank of India Personal Loan

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Central Bank of India Personal Loan

Central Bank of India Personal Loan

Before taking the Personal Loan, you should know how beneficial Personal Loan is? It can be used for any Financial crises which you are facing. You want to go for the abroad, and you don’t have that budget, or you want to pay your hospitals bills, but your pocket doesn’t allow you then you should go for the Personal Loan option.

What is the Central Bank of India Personal Loan?

Central Bank of India Personal Loan is an unsecured loan which provides you with the loan based on your CIBIL Score. In this loan, you are not required to submit any collateral to the lender in exchange for the amount of the loan. The interest rate in the Central Bank of India Personal Loan is low as compared in the market.

Click here to know more about Personal Loan.

Uses of Central Bank of India Personal Loan

  1. You are allowed to pay your previous debts with the help of Central Bank of India Personal Loan.
  2. With the Central Bank of India Personal Loan, you can pay your hospital bills. It is helpful in your medical conditions also.
  3. If you want to secure your future and for that want to go abroad, you can avail the Central Bank of India Personal Loan and fulfil your desire.
  4. For the agricultural process also, Central Bank of India Personal Loan helps you to achieve your target.
  5. You can also plan a big fat wedding with the help of Central Bank of India Personal Loan.

Eligibility criteria of Central Bank of India Personal Loan

  1. For the Salaried Applicants, the minimum age required is 21 years to maximum 60 years.
  2. Applicants of the Metropolitan city should have an income of at least 18,000 per month.
  3. Applicants of the Non-Metropolitan city should have an income of 12,000 per month.
  4. It is must that the applicant should have the work experience of at least  three years in the same company to avail the Central Bank of India Personal Loan.
  5. The salary of the applicant should come to their respective bank accounts only.
  6. Good CIBIL Score is needed as you only get  Central  Bank of India Personal Loan based on CIBIL Score. It should be more than 700.
  7. It is must to provide the bank statements of the last three months.
  8. The salary slip of the last six months is also required if you want to apply for the Central Bank of India Personal Loan.

Self-employed Applicant

  1. For the Self-employed  Applicants, the minimum age required is 25 years to maximum 65 years.
  2. The applicant should file the ITR from the last three months. It is mandatory.
  3. The ITR should be of at least Rs 2.5 lakh per annum.
  4. The Loan will be approved if you have a good credit score, your credit score should be more than 700, and your previous debts should be clear.
  5. If the applicant is doing  a business, then the company should be running from the last three years.

The documentation process of the Central Bank of India Personal Loan

The  Central Bank of India Personal Loan requires some documents of the applicants  that are as  follows:

  1. Identity proof: It contains Aadhaar Card/ Voter Card/ Driving License/ Passport.
  2. Residence proof: It contains Aadhaar Card/ Voter Card/ Driving License/ Passport/ Ration Card/Utility bills of last three months.
  3. If the applicant is living in the rented house, then he has to submit his rent agreement, water and electricity bill and the owner address.
  4. PAN Card is must as it an essential document under the KYC formality,
  5. Salaried applicant has to submit their salary slip of last three months and also the bank statements of the previous six months.
  6. Self Employed applicant has to submit the ITR of the last three years and also have to provide the registration of their business.
  7. The applicant has to give two passport size photographs without wearing the specs.

Interest rates of the Central Bank of India Personal Loan

  1. Central Bank of India Personal Loan provides you with the best interest rates as compared in the market.
  2. It usually starts from 10.77% and can be up to 30% per annum.
  3. The processing fees for the loan amount is 2.50%.

Pre-payment Charges on Central Bank of India Personal Loan

The applicant can close their Loan after giving 6 EMI’s. For the pre-payment, the charges applied are 4% of the principal outstanding balance.

What do you mean by pre-payment?

Before applying for a Personal Loan, the lender will give you a specific tenure to repay the loan amount. The EMIs will be fixed. But if you want to close your Loan before the last date, it is called as Pre-Payment. Not every bank will provide you with this facility, but the Central Bank of India is here to help you. Although the applicant has to pay some penalty charges, these charges are very nominal.

 Features of Central Bank of India Personal Loan

  1. Very easy to apply and access.
  2. The documentation process is understandable
  3. Affordable Interest rates keeping in view the requirements of the applicant.
  4. The tenure period is from 1 year to 5 years
  5. No need of collateral for Central Bank of India Personal Loan.
  6. Uncomplicated process.
  7. Quick disbursal in Central Bank of India Personal Loan.
  8. No limitation on using the loan amount.

About Central Bank of India

Central Bank of India is a government bank.  It is one of the oldest banks in India. It is situated in Mumbai which is the financial state of India and the capital of Maharashtra.

How can you apply for Central Bank of India Personal Loan?

It is the trouble-free process, applying for the Central Bank of India Personal Loan. You have to follow the following steps.

  1.  Firstly, visit our official site at Dialabank.
  2.  Then fill the online application form for the Personal Loan.
  3.  Fill your contact number and e-mail online. It is mandatory.
  4.  You will get a call back automatically within 24 hours from our Relationship Manager as you fill the form.

Why Dialabank for the Central Bank of India Personal Loan?

  1. Dialabank is India’s first financial helpline company and has experiences of many years of serving the requirements of the people.
  2. Interest rates are meagre as compared to the market.
  3. Experts of customer query. Will respond you for your questions like the wind.
  4. We don’t charge any amount of money from you for guidance.
  5. For more information, you can contact 9878981166.

Frequently asked questions for Central Bank of India Personal Loan

1. What is Central Bank of India Personal Loan?

Under Central Bank of India Personal Loan ,you can get the loan amount from the bank for a specific time. It provides you with the lowest interest rate. It is not required to keep an asset for the guarantee to get the Loan.

2. What is Central Bank of India Personal Loan Interest Rate?

The Central Bank of India Personal Loan will provide you with a loan at 13.00% rate with the lowest EMI of RS.2,683 Per lakh if you are paying more than this EMI than you can go for a balance transfer.  You can pay back your Loan in 12 months to 48 months.

3. What is Central Bank of India Personal Loan Eligibility?

The eligibility of the Cetral Bank of India Personal Loan has to be followed if you want to avail the loan. You can apply for the Central Bank of India Personal Loan if you are a citizen of India. You should be above the age of minimum 21 years to a maximum of 58 years. Both salaried and self-employed applicants can apply.

4. What are the details of  Central Bank of India Personal Loan?

It is one of the best banks for the Loan as it helps you according to your needs. It has special offers for government employees. You can  get the Loan quickly if you are eligible for the Loan.

5. How to apply online in Central Bank of India Personal Loan?

For the best services, go on our website www.dialabank.com  and fill the form which requires your necessary details. You will get a call from our side within 24 hours, and we will guide you for the best offers. Contact number which is working is mandatory.

6. How to check Central Bank of India Personal Loan EMI with EMI calculator?

Visit our site Dialabank and select the option of tools and calculator . after that, you can choose the option of EMI check and easily calculate the Loan EMI.

7. How can we apply for Central Bank of India Personal Loan?

For the Loan, you have to fill the above form and submit. Then your request will be accepted by dialabank, and within 24 hours you will get a call from our Relationship Manager who helps you with the further details.

8. What is Central Bank of India Personal Loan contact number?

You can apply online at our official website of Dialabank and also contact us on 9878981166.

 Other Providers of Central Bank Personal Loan

  1. HDFC Personal Loan
  2. ICICI Bank Personal Loan
  3. Axis Bank Personal Loan
  4. PNB Personal Loan
  5. SBI Personal Loan
  6. Bandhan Bank Personal Loan
  7. Bank of Baroda Personal Loan
  8. Fullerton India Personal Loan
  9. Personal Loan from Other Banks

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