Dhanlaxmi Bank Personal Loan

Dhanlaxmi Bank Personal Loan

Dhanlaxmi Bank Personal Loan Key Features Jan 2021

Eligibility Criteria Details
Age 23 – 58 yrs (at loan maturity )
CIBIL score Minimum 750 or above
Dhanlaxmi Bank Persona Loan Interest Rate 11.25% per annum
Lowest EMI per lakh Rs. 2187
Tenure 12 to 60 months
Dhanlaxmi Bank Personal Loan Processing Fee Upto 2.5% of the loan amount subject to a minimum of Rs .1250/-
Prepayment Charges 2% + ST of the Principal Outstanding
Part Payment Charges Not Applicable
Minimum Loan Amount Rs. 1 Lakh
Maximum Loan Amount Rs. 15 Lakh

Each Feature Explained in Detail Below


Dhanlaxmi Bank Personal Loan Eligibility Criteria

Personal Loan Eligibility criteria is as follows:

CIBIL score 750 and Above
Age 23-58 years
Min Income Rs 35000/month
Occupation Salaried/Self-employed

Dhanlaxmi Bank Personal Loan Fees and Other Charges

Dhanlaxmi Bank Personal Loan Interest Rate 11.25% per annum
Dhanlaxmi Bank Personal Loan Processing Charges Upto 2.5% of the loan amount subject to a minimum of Rs .1250/-
Prepayment Charges 2%
Stamp Duty As per state laws
Cheque Bounce Charges Rs. 500 + GST
Penal Interest 3%
Floating Rate of Interest Not Applicable

Dhanlaxmi Bank Personal Loan Documents Required

Form Duly filled application form
Proof of Identity Copy of:
> Passport
> Driving License
> Aadhar Card
> Voter ID Card
Proof of Address Rent Agreement (Min. 1 year of stay)
Utility Bills
Passport (Proof of permanent residence)
Ration card
Proof of Income > ITR: Last two Assessment years
> Salary Slip: Last 6 months
> Bank Statement: Last 3 months

Dhanlaxmi Bank Personal Loan EMI Calculator

Dhanlaxmi Bank Personal Loan Compared to Other Banks

Bank Interest Rate Tenure Loan Amount & Proc Fee
Dhanlaxmi Bank 11.25% 12 to 60 months Up to Rs. 15 lakh / Up to 2.50% of the loan amount
HDFC Bank 10.50% to 21.50% 12 to 60 months Up to Rs. 40 lakh / Up to 2.50% of the loan amount
Bajaj Finserv Starting from 12.99% 12 to 60 months Up to Rs. 25 lakh / Up to 3.99% of the loan amount
Axis Bank 7.35% to 24% 12 to 60 months Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount
Citibank Starting from 10.50% 12 to 60 months Up to Rs. 30 lakh / Up to 3% of the loan amount
ICICI Bank 10.50% to 19.25% 12 to 60 months Upto Rs. 20 lakh / Up to 2.25% of the loan amount
 
Other Loan Products from Dhanlaxmi Bank
Gold Loan Car Loan Home Loan Business Loan
TWL LAP Credit Card Education Loan

Why should you apply for Dhanlaxmi Bank Personal Loan with Dialabank?

Dialabank is a team of experts that will help you sail through financial storms with ease. Our representatives ensure that you get the best deals and offers for your needs.

How to Calculate EMIs for Dhanlaxmi Bank Personal Loan

Input the following parameters in the EMI calculator given below.

  1. Amount of the Loan
  2. Rate of Interest
  3. Tenure (In months)

Dhanlaxmi Bank Personal Loan Processing Time

Dhanlaxmi Bank provides quick disbursal personal loans. Your loan application is processed within 48 hours of submission, and you get disbursal within 72 hours.

Dhanlaxmi Bank Personal Loan Preclosure Charges

Dhanlaxmi Bank charges you a foreclosure fee of 2% plus GST to pre-close your loan account. You will also need to pay foreclosure statement charges of Rs 200.

Dhanalaxmi Bank Personal Loan Overdraft Scheme 

Dhanalaxmi Bank Personal Loan Offers an Overdraft Scheme. With this, you are provided 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 Dhanalaxmi Bank Personal Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

Pre Calculated EMI for Personal Loan

Rate
5 Yrs
4 Yrs
3 Yrs
10.50%
2149
2560
3250
11.00%
2174
2584
3273
11.50%
2199
2608
3297
12.00%
2224
2633
3321
12.50%
2249
2658
3345
13.00%
2275
2682
3369
13.50%
2300
2707
3393
14.00%
2326
2732
3417
14.50%
2352
2757
3442
15.00%
2378
2783
3466

Types of Dhanlaxmi Bank Personal Loan

Dhanlaxmi Bank Marriage Loan         

Apply for Dhanlaxmi Bank personal loan and get the best personal loan interest rates and offers catering to your needs. Dhanlaxmi Bank lets you borrow a loan amount of up to Rs. 15 lakhs for all your expenses.

Dhanlaxmi Bank Personal Loan for Government Employees

Government employees get special rates and loan terms to meet their financial needs. Dhanlaxmi Bank provides specially catered offers for central and state government employees.

Dhanlaxmi Bank Doctor Loan

Dhanlaxmi Bank gives special rates to the medical professionals keeping in mind their professional and as well as personal needs.

Dhanlaxmi Bank Personal Loan for Pensioners

Dhanlaxmi Bank has personal loan offers for elderly citizens who draw the pension from their bank account.

Dhanlaxmi Bank Personal Loan Balance Transfer

If your current personal loan is putting a hole in your pocket, you can apply for a personal loan balance transfer and get lower rates of interest and an easier EMI schedule.

Dhanlaxmi Bank Personal Loan Top Up

When in need of additional funds despite already having a personal loan, a borrower can avail of a personal loan top-up facility without having to re-apply for another loan.

Dhanlaxmi Bank Personal Loan Status

You can check the status of your Dhanlaxmi Bank personal loan in person by visiting the branch or through their website.

How to Apply for Dhanlaxmi Bank Personal Loan?

While applying for Dhanlaxmi Bank Personal Loan, you can either use online mode via Dialabank or visit Dhanlaxmi Bank nearest branch. Given below are the steps you can follow for easy online loan approval:

Dhanlaxmi bank personal loan

 

  1. Visit Dialabank
  2. Also, you can visit the Dhanlaxmi Bank Personal Loan page on Dialabank.
  3. After visiting the page, you can see whether you are eligible, you have documents or which scheme is best for you.
  4. Enter your details in a simple online form.
  5. Once you’re through it, you will get a call from us.
  6. We will provide you with further assistance.
  7. To know further, dial 9878981166

FAQs About Dhanlaxmi Bank Personal Loan

✅ How to apply for Dhanlaxmi Bank Personal Loan?

There are two ways to apply for a personal loan from Dhanlaxmi bank. The first is to apply for a personal loan by visiting through the Dhanlaxmi Bank branch. Another way is to submit a form with Dialabank. Through Dialabank, you can get ease from anywhere and get your personal loan approval faster.

✅ What is the Interest Rate for Dhanlaxmi Bank Personal Loan?

Dhanlaxmi Bank charged an interest rate for a personal loan starting at 11.25%.

✅ What is the minimum age for getting a Personal Loan from Dhanlaxmi Bank?

You can avail a personal loan from Dhanlaxmi Bank if you are 23 years old.

✅ What is the maximum age for getting a Personal Loan from Dhanlaxmi Bank?

The maximum age requirement for getting a personal loan from Dhanlaxmi bank is 58 years.

✅ What is the minimum loan amount for Dhanlaxmi Bank Personal Loan?

You can make use of Rs. 1 lakh minimum for your personal loan from Dhanlaxmi bank.

✅ What is the maximum loan amount for Dhanlaxmi Bank Personal Loan?

You can get a maximum loan amount for a personal loan from Dhanlaxmi bank up to Rs. 15 lakhs.

✅ What are the documents required for Dhanlaxmi Bank Personal Loan?

The documents required for applying for a personal loan from Dhanlaxmi Bank are the Aadhaar card, driving license, voter ID, passport, ration card, salary slips of last 6 months, bank statements of the last 3 months, ITR of the last two financial years.

✅ What is the Processing Fee for Dhanlaxmi Bank Personal Loan?

The processing fee charged by Dhanlaxmi bank for a personal loan is up to 2.5% of the loan amount.

✅ How to get Dhanlaxmi Bank Personal Loan for Self Employed?

Dhanlaxmi Bank provides special offers for self-employed to assist them financially. You have to present the ITR files of the last two assessment years.

What relaxation scheme and moratorium Dhanlaxmi Bank provides in relation to Personal Loan due to COVID 19?

Dhanlaxmi Bank offers a 6 monthly moratorium. 

✅ What is the Maximum Loan Tenure for Dhanlaxmi Bank Personal Loan?

The maximum loan tenure for availing of a personal loan from Dhanlaxmi Bank is 60 months.

✅ What should be the CIBIL Score for Dhanlaxmi Bank Personal Loan?

The CIBIL score for getting a personal loan from Dhanlaxmi Bank should be 750 and above.

✅ Do I have a pre-approved offer for Dhanlaxmi Bank Personal Loan?

You can examine your preapproved personal loan offers from Dhanlaxmi Bank with Dialabank. You just fill the form and Dialabank will check out the best offers for you.

✅ How to calculate EMI for Dhanlaxmi Bank Personal Loan?

To calculate your personal loan EMIs for Dhanlaxmi Bank, using the EMI calculator available at Dialabank’s website.

✅ How to pay Dhanlaxmi Bank Personal Loan EMI?

 Your personal loan EMIs for Dhanlaxmi Bank are deducted automatically from your account number. You can pay EMIs from the net-banking.

✅ How to close Dhanlaxmi Bank Personal Loan?

For closing your personal loan, you have to clear the outstanding loan amount and then receive a dues certificate from the Dhanlaxmi Bank branch.

✅ How to check Dhanlaxmi Bank Personal Loan Status?

You will visit the Dhanlaxmi Bank branch for checking out your personal loan status. On the other hand, you can visit Dialabank and fill the form to allow us to do the best for you.

✅ How to close Dhanlaxmi Bank Personal Loan Online?

The steps should be followed by you to close your personal loan for Dhanlaxmi Bank:

  • Net-banking page visiting 
  • Login with your details.
  • Pay your personal loan.
  • Save the transaction receipt.

✅ How to pay Dhanlaxmi Bank Personal Loan EMI Online?

You can pay your personal loan EMI through the net-banking service of Dhanlaxmi Bank. For a low-EMI personal loan, Dialabank will help you in comparing offers from different banks. For getting a low- EMI personal loan, you have to fill a simple form with Dialabank.

✅ How to check Personal Loan Balance in Dhanlaxmi Bank?

You can check your personal loan balance for Dhanlaxmi Bank, you will come in contact with the customer care number. If you are in search of low-interest personal loans, you can visit Dialabank and fill the form for Personal Loan Balance Transfer and we will do work for you.

✅ How to download Dhanlaxmi Bank Personal Loan Statement?

The personal loan statement for Dhanlaxmi Bank can be downloaded through the Dhanlaxmi Bank mobile banking app. You also visit Dialabank online and fill a simple form and know about all the offers for you.

✅ How to Top Up Personal Loan in Dhanlaxmi Bank?

To get a top-up personal loan from Dhanlaxmi bank, you will visit the bank branch and contact the loan officer. Also, you can fill a simple form with Dialabank at Personal Loan Top Up.

✅ What happens if I don’t pay my Dhanlaxmi Bank Personal Loan EMIs?

Dhanlaxmi Bank charges you penal interest if you don’t pay your personal loan EMIs. You also can apply for a balance transfer through Dialabank to get low-interest personal loans.

✅ How to find Dhanlaxmi Bank Personal Loan account number?

You will contact the Dhanlaxmi Bank loan branch to know your account number of personal loans. A simple form may be filled by you which is available at Dialabank.

✅ What is the Dhanalaxmi Bank Personal Loan closure procedure?

  • Just go to the bank with the documents.
  • Write a letter for pre-closure of the Dhanalaxmi Bank Personal loan account.
  • Pay the pre-closure charges as per Dhanalaxmi Bank Personal Loan.

✅ What is Dhanalaxmi Bank Personal Loan preclosure charges?

Dhanalaxmi Bank Personal Loan preclosure charges are Nil.

✅ What is the Dhanalaxmi Bank Personal Loan overdraft scheme?

For simplifying the process and providing you with a hassle-free service while processing an overdraft scheme at Dhanalaxmi 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 Dhanalaxmi Bank online banking portal and from there you can fill out a simple form and get an overdraft under your name.

✅ What is the Dhanalaxmi Bank Personal Loan minimum tenure?

Dhanalaxmi Bank Personal Loan minimum tenure is 12 months.

✅ What is the Dhanalaxmi Bank Personal Loan customer care number?

The customers get in touch with the bank via call on 9878981166.

 

 

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