Chhattisgarh Rajya Gramin Bank Personal Loan Key Features Apr 26 2024
| Eligibility Criteria | Details |
| Age | 21 to 58 yrs(at loan maturity) |
| CIBIL Score | 750 |
| Chhattisgarh Rajya Gramin Bank Personal Loan Interest Rate | 9.99% p.a. |
| Lowest EMI per lakh | NIL |
| Tenure | 12 to 60 Months |
| Chhattisgarh Rajya 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 lakhs |
Chhattisgarh Rajya Gramin Bank Personal Loan Eligibility Criteria
Eligibility criteria for a personal loan:
| CIBIL score Criteria | 750 or above |
| Age Criteria | 21 to 58 yrs |
| Min Income Criteria | Rs. 15,000 to Rs 25,000 |
| Occupation Criteria | Salaried/Self-Employed/Pensioner |
Chhattisgarh Rajya Gramin Bank Personal Loan Interest Rate and Charges
Personal Loan Interest Rate Fees and Charges
| Chhattisgarh Rajya Gramin Bank Personal Loan Interest Rate | 9.99% |
| Chhattisgarh Rajya Gramin Bank Personal Loan Processing Charges | 1%-2% |
| Prepayment Charges | N/A |
| Stamp Duty | As per bank |
| Cheque Bounce Charges | As per Bank |
| Penal Interest | NIL |
| Floating Rate of Interest | NIL |
Chhattisgarh Rajya Gramin Bank Personal Loan Documents Required
Documents Checklist for 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 |
Chhattisgarh Rajya Gramin Bank Personal Loan EMI Calculator
EMI Calculator for Personal Loan.
Chhattisgarh Rajya Gramin Bank Personal Loan Compared to Other Banks
| Particulars | Chhattisgarh Rajya 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, may vary | 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 Chhattisgarh Rajya Gramin Bank
Why should you apply for Chhattisgarh Rajya Gramin Bank Personal Loan with Dialabank?
- Dialabank is the first and leading helpline in the country.
- Less Documentation is required for the process.
- Fast Approval is our first priority.
You can call at 9878981166 for any query.
How to Calculate EMIs for Chhattisgarh Rajya Gramin Bank Personal Loan?
There is a requirement of the following information to calculate Chhattisgarh Rajya Gramin Bank’s Personal Loan:
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.
Chhattisgarh Rajya Gramin Bank Personal Loan Processing Time
- Fast processing
- It needs less paperwork
- A processing fee may vary and can be asked by the bank
Chhattisgarh Rajya Gramin Bank Personal Loan Preclosure Charges
Is your fund ready? Then you can apply for Preclosure. For more details make a call or visit the branch.
Different Offers For Chhattisgarh Rajya Gramin Bank Personal Loan
Chhattisgarh Rajya Gramin Bank Home Loan
Chhattisgarh Rajya Gramin Bank offers personal loan for a home:
- The minimum age is 21 yrs
- The maximum Age should be 60 yrs
- Regular Income applicants are a must for the Home Loan
- Earn more than the required monthly income.
Personal Loan for Government Employees
Chhattisgarh Rajya Gramin Bank offers personal loans to all the Govt. employees. The loan amount depends on the Company in which you are working.
Chhattisgarh Rajya Gramin Bank Education Loan
- Punjab Gramin Bank offers Education loans up to Rs 10 lac in India and Rs 20 lac to study in 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
Personal Loan for Pensioners
- A processing charge can be asked from the bank.
- Very Affordable Interest Rate
Personal Loan Balance Transfer
- Personal Loan balance transfer implies the borrower transfer the amount to different institutions.
- Low-interest rates.
- Long repayment tenure.
Chhattisgarh Rajya Gramin Bank Personal Loan Top Up
Chhattisgarh Rajya Gramin Bank’s personal loan provides top-up that means an additional amount on the existing loan.
Chhattisgarh Rajya 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 Chhattisgarh Rajya Gramin Bank Personal Loan
Home renovation loan
Chhattisgarh Rajya 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 Chhattisgarh Rajya Gramin Bank Home Renovation Loan’s major features are:
- The Home Renovation Loan of Chhattisgarh Rajya 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.
- Chhattisgarh Rajya 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 Chhattisgarh Rajya 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 Chhattisgarh Rajya Gramin Bank, including the booking of flight fares, hotel accommodation, guided tours, etc. The Chhattisgarh Rajya 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 Chhattisgarh Rajya Gramin Bank is distinct. The loan option provided by Chhattisgarh Rajya Gramin Bank is intended to help refreshers, i.e. recent graduates searching for their first job. Few of Chhattisgarh Rajya 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, Chhattisgarh Rajya 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:
- Chhattisgarh Rajya 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 Chhattisgarh Rajya Gramin Bank Personal Loan?
There is less requirement for paperwork. It assists in preserving your time, and you receive the loan approval faster.
Availing a personal loan is very simple; all you have to do is to:
- Visit the website of Dialabank and fill the application form.
- You will get a call from us.
- Our instructors will guide you through the entire process and tell you the details of the loan.
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 Chhattisgarh Rajya Gramin Bank Personal Loan Application Status
The process for checking your application’s status requires the following steps:
- Visit the official website of Chhattisgarh Rajya 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 Chhattisgarh Rajya Gramin Bank portal
- Visit the Official Website of Chhattisgarh Rajya 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.
Chhattisgarh Rajya 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. Chhattisgarh Rajya Gramin Bank announced an RBI-mandated one-time gain from the Chhattisgarh Rajya 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 Chhattisgarh Rajya 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.
Chhattisgarh Rajya Gramin Bank Customer Care
Customers can approach Chhattisgarh Rajya Gramin Bank’s Customer Support via any of the following means:
By phone: You can call Chhattisgarh Rajya Gramin Bank on 18002332300 (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 Chhattisgarh Rajya 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 Chhattisgarh Rajya 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 Chhattisgarh Rajya Gramin Bank Personal Loan
✅ How to apply for Chhattisgarh Rajya Gramin Bank Personal Loan?
You can apply for a personal loan at the website of the Chhattisgarh Rajya Gramin Bank.
✅ What is the Interest Rate for Chhattisgarh Rajya Gramin Bank Personal Loan?
The interest rate for the Chattisgarh Rajya Gramin Bank’s personal loan is 9.99% p.a.
✅ What is the minimum age for getting a Personal Loan from Chhattisgarh Rajya Gramin Bank?
The minimum age to apply for a Chhattisgarh Rajya Gramin Bank’s personal loan is 21 years.
✅ What is the maximum age for getting a Personal Loan from Chhattisgarh Rajya Gramin Bank?
The maximum age to apply for a Chhattisgarh Rajya Gramin Bank’s personal loan is 60 years.
✅ What is the minimum loan amount for Chhattisgarh Rajya Gramin Bank Personal Loan?
The minimum loan amount Chhattisgarh Rajya Gramin Bank’s Personal Loan can be asked from the bank by calling them or even by visiting the branch personally.
✅ What is the maximum loan amount for Chhattisgarh Rajya Gramin Bank Personal Loan?
The maximum loan amount for Chhattisgarh Rajya Gramin Bank’s Personal Loan is up to Rs. 20 lakh, but it may vary.
✅ What are the documents required for Chhattisgarh Rajya Gramin Bank Personal Loan?
You necessitate presenting documents for identity verification, income evidence, and address verification to implement for a Chhattisgarh Rajya Gramin Bank personal loan.
✅ What is the Processing Fee for Chhattisgarh Rajya Gramin Bank Personal Loan?
The processing fee for Chhattisgarh Rajya Gramin Bank’s Personal Loan is 1%-2% of the loan amount.
✅ How to get Chhattisgarh Rajya 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 Chhattisgarh Rajya Gramin Bank Personal Loan?
The maximum Loan tenure for Chhattisgarh Rajya Gramin Bank Personal Loan is 60 months
✅ What should be the CIBIL Score for Chhattisgarh Rajya Gramin Bank Personal Loan?
A good CIBIL Score has less chance of Rejection. For Chhattisgarh Rajya Gramin Bank’s Personal Loan you must have a 750 or above CIBIL Score.
✅ How to calculate EMI for Chhattisgarh Rajya Gramin Bank Personal Loan?
Any of the various EMI calculators available can be used to calculate your EMI by entering Interest rate, Loan Amount, and Loan tenure in the same.
✅ How to pay Chhattisgarh Rajya Gramin Bank Personal Loan EMI?
All the procedures will be explained once you applied for a personal loan and your application will get approved.
✅ How to close Chhattisgarh Rajya 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 Chhattisgarh Rajya 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 Chhattisgarh Rajya Gramin Bank Personal Loan Online?
Dialabank is the best option for applying for Chhattisgarh Rajya Gramin Bank’s Personal Loan with less paperwork and ease or visit the official site of the bank apply for the loan
✅ How to pay Chhattisgarh Rajya Gramin Bank Personal Loan EMI Online?
You can pay the EMI for Chhattisgarh Rajya Gramin Bank’s Personal Loan through Netbanking or any other modes.
✅ How to check Personal Loan Balance in Chhattisgarh Rajya Gramin Bank?
You can call the bank customer care or a timely message will be sent on your registered no.
✅ How to download Chhattisgarh Rajya Gramin Bank Personal Loan Statement?
From the official website of the Chhattisgarh Rajya Gramin Bank, you can download the statement.
✅ How to Top Up Personal Loan in Chhattisgarh Rajya Gramin Bank?
You can Top up the Personal Loan in Chhattisgarh Rajya Gramin Bank by filling the simple form or by visiting the nearest branch.
✅ What happens if I don’t pay my Chhattisgarh Rajya Gramin Bank Personal Loan EMIs?
You may face action against you and also your CIBIL score will get affected. So regular is like safety for the future.
✅ How to find Chhattisgarh Rajya Gramin Bank Personal Loan account number?
After your request gets accepted you will be rendered with your account number for Chhattisgarh Rajya Gramin Bank’s Personal Loan.
✅ What is the Chhattisgarh Rajya Gramin Bank personal loan closure procedure?
Visit the bank with the complete set of documents (as mentioned above). You may be required to fill a form or write a letter requesting pre-closure of the Personal Loan account. Pay the pre-closure amount. Sign the required documents, if any. Take acknowledgement of the balance amount you have paid.
✅ What is Chhattisgarh Rajya Gramin Bank personal loan maximum tenure?
The maximum tenure of the Chhattisgarh Rajya Gramin Bank personal loan is 60 months.
✅ What is Chhattisgarh Rajya Gramin Bank personal loan minimum tenure?
The minimum tenure of the Chhattisgarh Rajya Gramin Bank personal loan is 12 months.
✅ What is the Chhattisgarh Rajya Gramin Bank personal loan customer care number?
The customer care number of the Chhattisgarh Rajya Gramin Bank personal loan is 9878981166.
✅ What are the Chhattisgarh Rajya Gramin Bank Personal Loan pre-closure charges?
Chhattisgarh Rajya Gramin Bank gives you the option of pre-closing your loan after a period of a minimum of 12 months of taking the loan and paying 12 successful EMIs on your mortgage. However, Chhattisgarh Rajya Gramin Bank charges a Prepayment or Pre-closure charge. Refer to the table mentioned above.
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