Chhattisgarh Rajya Gramin Bank Personal Loan

For Instant Approval ↓Apply Here↓

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.

Why us?

Rates as low as 10.50%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

About Chhattisgarh Rajya Gramin Bank Personal Loan

Chhattisgarh Rajya Gramin Bank Personal LoanChhattisgarh Rajya Gramin Bank is a government-owned bank. Furthermore, the bank is sponsored by the State bank of India. Bank provides Personal Loan to the customers, but only the applicant  earning good money is eligible to get this loan. Besides that personal loan allows the customer to use the amount of loan anywhere in his personal life.

What is a Personal Loan?

A personal loan is a kind of loan in which you borrow money from the bank or non-banking financial company to fulfill your personal needs. This is an unsecured loan. In the personal loan, you don’t need to pledge anything to the bank. One can easily afford personal loan if he has a good source of income.

Chhattisgarh Rajya Gramin Bank Personal Loan Eligibility

  1. First of all applicant’s month to month pay should be Rs.18,000/ –
  2. After that, the applicant should have a stable residential status. A long time in the city – Minimum 1 year
  3. After that work experience also matters. Add up to work encounter – Minimum 1 years

Documentation for Chhattisgarh Rajya Gramin Bank Personal Loan

  1. One Identity proof is required. (Passport/Id card/voter card/driving license) It can be any one of them. Everyone easily has these documents, so there is no problem with the submission.
  2. 2 passport size colored photos. (Applicant should not be wearing glasses)
  3. A passport can also be considered as your identity proof because a passport has a name, age, address and photograph of the customer. If you have a passport, then there is no need to bring your address proof separately. But the passport should not be expired
  4. Bank statement of last 6 months and salary slip of previous three months needed.
  5. Residence proof can be the Aadhar card, voter card, and passport (Passport/Id card/voter card/driving license). Electricity and water bill for the last three months because these are the proofs that you are residing in that particular place.
  6. Driving license is also regarded as a proof of identity and residence proof because it contains the name, date of birth and a photograph of the customer. But the condition is that it should not be expired.
  7. Aadhar card provided by UIDAI that contains biometric details of the customers like age, date of birth and photograph of the individual. It can be considered as the proof of your date of birth.
  8. PAN card is the permanent account number that is provided to the customers, and it prevents from the financial frauds. So it is also considered as an identity/residence proof. Pan card is essential document under KYC (know your customer) formality.
  9. Ration card is also considered as a residence proof because it provides enough information about the applicant

Advantages of Chhattisgarh Rajya Gramin Bank Personal Loan

  1. Firstly, the interest rates are quite affordable.
  2. Thus, you can quickly repay your loan amount.
  3. Secondly, this loaning scheme is unsecured.
  4. Which results in no requirement of collateral
  5. Furthermore, both salaried and self-employed individuals can take benefits from this loan.
  6. Moreover, In this loan, the principal amount is entirely dependent on the borrowers submitted documents.
  7. If your CIBIL or credit score is right, you can get the loan amount without facing any problem.
  8. Now, you might be thinking where I can use the loan amount.
  9. The answer to your question is anywhere. You can use it for paying your medical expenses, or you can go for an exotic vacation with the loan amount.
  10. Chhattisgarh Rajya Gramin Bank Personal Loan comes with no spending restrictions.

Purpose of Chhattisgarh Rajya Gramin Bank Personal Loan

As the name is suggesting, a personal loan can be taken for any of personal use purpose. But generally, there are some common purposes for which people prefer to get a Personal Loan. People get a personal loan for wedding purposes. You can quickly get a personal loan in very less time. So people prefer to get a personal loan.
Sometimes a personal loan is beneficial for higher education too.
Some people get a personal loan for home renovation.
Besides, people get a personal loan to close other loans.

Features of Chhattisgarh Rajya Gramin Bank Personal Loan

  1. The loan can be disbursed within 72 hours.
  2. Tenure of Chhattisgarh Rajya Gramin Bank Personal Loan is 12 to 60 months.
  3. Interest rates are very rational.
  4. There is no processing fee for the Chhattisgarh Rajya Gramin Bank Personal Loan neither any application charges.
  5. Chhattisgarh Rajya Gramin Bank Personal Loan Interest Rates
  6. Interest rates start at 10.50% and can be up to 17.50% per annum.

How to Apply for Chhattisgarh Rajya Gramin Bank?

  1. It is effortless to apply for a personal loan all you need to do is follow these steps, and you will be done in no time.
  2. First, you need to go to our website www.dialabank.com .
  3. Now, once you are on our site, you need to provide your necessary details along with your phone number.
  4. Please, it is essential that you provide your correct contact details.
  5. Now once you filled the form all your work is done.
  6. Our relationship managers will call you within 30 minutes and provide you the best of offers and deals that you can get near your location.
  7. Also, you don’t have to worry about paying us anything as we provide our expertise to you at free of cost.

Who can’t Apply for Chhattisgarh Rajya Gramin Bank Personal Loan?

  1. An applicant whose age is less than 21 years can’t apply for a personal loan.
  2. An unemployed person can’t apply for a personal loan.
  3. A person is earning less than Rs. 15000 can’t apply for a personal loan.
  4. In metro cities, the salary of the applicant should be Rs. 18000 at least.
  5. A person with a bad CIBIL score cannot apply.
  6. A person who is self-employed but does not pay the ITR can’t apply for a personal loan.

FAQ’s About Chhattisgarh rajya Gramin Bank

Q. What is Chhattisgarh Rajya Gramin Bank Personal Loan?

A Personal Loan is a loaning scheme that can be availed to meet your urgent financial needs without the need to submit security with the bank. You can easily apply for a Chhattisgarh Rajya Gramin Bank Personal Loan to finance your expenses.

Q. What is Personal Loan rate of interest in Chhattisgarh Rajya Gramin Bank?

The lowest rate of interest for Personal Loan from Chhattisgarh Rajya Gramin Bank is 10.75% per annum. The interest rate offered to you may vary according to your credit score and monthly income.

Q. How can I get Chhattisgarh Rajya Gramin Bank Personal Loan?

Get quick disbursing Personal Loans from Chhattisgarh Rajya Gramin Bank by visiting the nearest branch with your documents. After verification and approval of your loan application, you will get the loan amount in your bank account and can use it for all your financial needs.

Q. How to apply for Personal Loan in Chhattisgarh Rajya Gramin Bank?

You can apply for Personal Loan from Chhattisgarh Rajya Gramin Bank by visiting the branch with all the requisite documents and submitting a duly signed application form to the banker. You get the loan amount in your account once your eligibility has been verified and your loan has been approved.

Q. Why apply for Chhattisgarh Rajya Gramin Bank Personal Loan?

Personal Loans from Chhattisgarh Rajya Gramin Bank can be used to fulfill a wide array of your financial needs. These loans come with high funding. long tenure, low-interest rates, and easy repayment facilities. You are not required to submit any form of security with the bank in exchange for these loans.

Q. How much EMI on Chhattisgarh Rajya Gramin Bank Personal Loan?

Personal Loan EMI for Chhattisgarh Rajya Gramin Bank can be calculated using an online EMI calculator using just the three parameters, loan amount, loan tenure, and rate of interest.

Q. How much CIBIL score required for Chhattisgarh Rajya Gramin Bank Personal Loan?

A CIBIL score over 700 is required for Chhattisgarh Rajya Gramin Bank Personal Loans. Your CIBIL score helps the bank to estimate your creditworthiness and repayment abilities.

Q. Minimum credit score needed for Chhattisgarh Rajya Gramin Bank Personal Loan?

You will need to maintain a credit score of at least 700 to avail of a Chhattisgarh Rajya Gramin Bank Personal Loan.

Q. How to calculate Chhattisgarh Rajya Gramin Bank Personal Loan EMI?

Your Personal Loan EMI can be calculated using an online EMI Calculator. Visit Dialabank to compare offers from different banking and non-banking financial companies and apply for the ones that best suit your needs.

Q. What can I use Chhattisgarh Rajya Gramin Bank Personal Loan for?

Chhattisgarh Rajya Gramin Bank Personal Loan can be used for a wide array of personal financial needs. You can meet all your day to day expenses and even the big ones that burden you financially. You can finance your vacations, family events, weddings, etc. You can also use your Loan to renovate your home.

Q. Can I prepay Chhattisgarh Rajya Gramin Bank Personal Loan?

Yes, you can prepay your Loan with Chhattisgarh Rajya Gramin Bank by visiting the branch where your loan was sanctioned and asking the banker for the same. You will have to pay the entire outstanding loan amount with a foreclosure charge as applicable.

Q. How to prepay Chhattisgarh Rajya Gramin Bank Personal Loan?

Prepay your Chhattisgarh Rajya Gramin Bank Personal Loan by contacting your loan branch in person. Depending on the case, you might be required to pay a small foreclosure fee along with your outstanding loan amount to close your Personal Loan.

Q. How to repay Chhattisgarh Rajya Gramin Bank Personal Loan?

Your Chhattisgarh Rajya Gramin Bank Personal Loan can be repaid in several ways, the most common being automatic deduction of EMIs from your bank account. You can also contact your loan branch for further information on your repayment options.

Q. What documents are needed for Chhattisgarh Rajya Gramin Bank Personal Loan?

You need your address and identity proof(Aadhar Card/Voter ID), PAN Card, Income proof(Salary Slips and Bank statement), and two recent passport-sized photographs for your Chhattisgarh Rajya Gramin Bank Personal Loan.

Q. How to check Chhattisgarh Rajya Gramin Bank Personal Loan status?

Status of your Loan with Chhattisgarh Rajya Gramin Bank can be checked by visiting the branch and contacting your loan officer.

Table of Contents

Share This

Menu