Dakshin Bihar Gramin Bank Personal Loan

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Why us?

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

All about Dakshin Bihar Gramin Bank Personal Loan

Dakshin Bihar Gramin Bank Personal Loan
Dakshin Bihar Gramin Bank is a rural bank in Indian. The bank provides various financial services to the customers at a lower interest rate. A personal loan is a financial service provided to the customers to fight with the financial hurdles. A person with a good source of income and good credit score is eligible to apply for a Personal Loan.

Why Should You Choose Dakshin Bihar Gramin Bank Personal Loan?

Dakshin Bihar Gramin Bank is a good bank in the provision of loans and other financial products. This bank provides every kind of loans to people; personal loan, car loan, home loan, property loan, or other kinds of loans. There are many advantages of taking a personal loan from Dakshin Bihar Gramin Bank, some of them which are:
  1. Bank provides personal loans to army men, LIC agents, employees of government institutions, salaried people, professionals, and self-employed individuals.
  2. Basically, there are three types of loans that are available from Dakshin Gramin Bank for the customers, namely, EMI, Term Loan, and Overdraft Loan.
  3. Lower interest rates.
  4. Check whether you are eligible for getting a Personal Loan from the bank? There are some Criteria regulated by Banks to provide a loan. You must be eligible if you want finance to meet your requirement.

Dakshin Bihar Gramin Bank Personal Loan Eligibility

Everyone cannot  get a personal loan. Let us discuss the eligibility criteria.
Two categories of the applicants.
  1. Salaried
  2. Self-employed
There are different criteria for both categories. Let us see both of them one by one.

Salaried Applicant

  1. Firstly the age of the applicant should be more than 21 years.
  2. Secondly, he/she should be earning Rs — 18000 per month at least.
  3. Furthermore, the applicant should have the work experience of 3 years at least.
  4. After that, the applicant should be getting the salary in his/her bank account.
  5. The CIBIL Score of the applicant should be good.

Self-employed Applicant

  1. In case the applicant is self-employed than his/her age should be 25 years at least.
  2. Applicant should have filed ITR for last three years at least.
  3. His/her CIBIL score should be good.
  4. The ITR should be of Rs. 2.5 Lakhs per annum at least.
  5. Dakshin Bihar Gramin Bank Personal Loan Interest Rates
  6. Personal Loan Starts at 10.75% per year. However, it can vary from person to person. It depends on salary and CIBIL Score of the applicant. Category of the company also matters.

Documentation for Dakshin Bihar 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

Benefits of Dakshin Bihar Gramin Bank Personal Loan

There are many advantages to taking a personal loan from them, such as:
  1. They provide Dakshin Bihar Gramin Bank Personal Loan at interest rates varying from 11.50% to 22%.
  2. A person can avail the loan amount ranging from Rs. 50,000 to Rs. 5 lakhs.
  3. Loan EMIs can be paid for up to 60 months.
  4. Special loan offers for pensioners.

How to Apply for Dakshin Bihar Gramin Bank Personal Loan?

  1. Visit website www.dialabank.com
  2. Submit all the documents
  3. Calculate your EMI online
* Above rates are subject to change without notice.*
It is necessary to compare the interest rates of the personal loan deals that are offered by all the banks. The personal loan is an unsecured loan that an individual can take for fulfilling any personal requirement. This can be for purchasing a gadget, for going on a holiday, for paying medical bills, for paying education expenses and other needs.
Special Note: We do not provide Personal Loan to bad credit holder, but you can fulfill your money requirement with Gold Loan easily.

FAQs About Dakshin Bihar Gramin Bank Personal Loan

Q. What is Dakshin Bihar Gramin Bank Personal Loan?

Have an expense that you need to cover or need some financial assistance then the Personal Loan from Dakshin Bihar Gramin Bank is just what you need. You can avail Personal Loans with minimal documentation and at competitive rates to meet your money needs.

Q. What is Personal Loan rate of interest in Dakshin Bihar Gramin Bank?

Personal Loan rate of interest in Dakshin Bihar Gramin Bank starts at 10.75% per annum. You can visit Dialabank’s online portal to compare the rates of different banks and finance companies across India.

Q. How can I get Dakshin Bihar Gramin Bank Personal Loan?

To get a Personal Loan you will have to visit the nearest branch with basic KYC documents, PAN card, and income proofs(salary slips, bank statement). You can also contact Dialabank to avail of the best financial advice and get the personally curated deals and offers for all your financial needs.

Q. How to apply for Personal Loan in Dakshin Bihar Gramin Bank?

Apply for a Personal Loan by walking into the nearest Dakshin Bihar Gramin Bank branch with all the requisite documents. You can also apply online with Dialabank and avail personalized assistance for all your financial needs.

Q. Why apply for Dakshin Bihar Gramin Bank Personal Loan?

Dakshin Bihar Gramin Bank Personal Loans can be used for any personal financial needs. Be it a wedding, travel, bills, repair and renovation of home, and etc. You do not have to provide any collateral security in exchange for your loan and the repayment can be done in monthly installments, EMIs.

Q. How much EMI on Dakshin Bihar Gramin Bank Personal Loan?

Calculate your Dakshin Bihar Gramin Bank Personal Loan EMI using your loan tenure, loan amount, and rate of interest on Dialabank’s EMI calculator and apply for all your loan needs with us.

Q. How much CIBIL score required for Dakshin Bihar Gramin Bank Personal Loan?

A CIBIL score above 700 is preferred by Dakshin Bihar Gramin Bank to disburse a Personal Loan. Being an unsecured loan your CIBIL score plays a big role in determining your loan eligibility as it calculates the risk of default for your lender.

Q. Minimum credit score needed for Dakshin Bihar Gramin Bank Personal Loan?

The credit score is a measurement and estimate of your creditworthiness. Dakshin Bihar Gramin Bank requires you to have a credit score of at least 700 to consider your loan application for approval.

Q. How to calculate Dakshin Bihar Gramin Bank Personal Loan EMI?

Use your loan amount, loan tenure, and rate of interest to calculate your Personal Loan EMI using the EMI calculator available on Dialabank’s website.

Q. What can I use Dakshin Bihar Gramin Bank Personal Loan for?

You can use your Dakshin Bihar Gramin Bank Personal Loan for a number of financial needs such as funding your marriage or that of a relative, pay all your big and small bills, renovate or repair your home, and etc.

Q. Can I prepay Dakshin Bihar Gramin Bank Personal Loan?

If you have the required funds you can pre-close your loan by visiting the branch of Dakshin Bihar Gramin Bank from where your loan was approved and asking your banker about the prepayment facilities.

Q. How to prepay Dakshin Bihar Gramin Bank Personal Loan?

When you have the required money and feel the need to close your loan at once, just visit the nearest Dakshin Bihar Gramin Bank branch with your loan documents and apply for a foreclosure. You may be asked to pay a small foreclosure fee in addition to your outstanding loan amount.

Q. How to repay Dakshin Bihar Gramin Bank Personal Loan?

Repay your Personal Loan in easy burden-free EMIs that are automatically deducted from your bank account each month. Your Dakshin Bihar Gramin Bank Personal Loan can be repaid through post-dated cheques too.

Q. What documents are needed for Dakshin Bihar Gramin Bank Personal Loan?

Aadhar Card/Voter ID, PAN Card, Salary Slips, Bank Statement, and ITR File are the documents that are required to avail a Personal Loan from Dakshin Bihar Gramin Bank.

Q. How to check Dakshin Bihar Gramin Bank Personal Loan status?

Visit your loan branch or contact the customer care number of Dakshin Bihar Gramin Bank to know the status of your loan application and stay updated.

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