Ellaquai Dehati 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

Ellaquai Dehati Bank is a rural bank. Furthermore, the bank was founded in 1976. Headquarter of the bank is in Guwahati. 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.

Why Should You Choose Ellaquai Dehati Bank Personal Loan?

Ellaquai Dehati Bank is a good bank in the provision of loans and other financial products. The bank provides all kinds of loans to its customers; personal loan, car loan, home loan, property loan, or other kinds of loans. There are many advantages of taking a personal loan from Ellaquai Dehati Bank, some of them which are:

  1. They provide personal loans to army men, LIC agents, employees of government institutions, salaried people, professionals, and self-employed individuals.
  2. Ellaquai Dehati Bank Personal Loan accept a suitable guarantor provided by the loan applicant.
  3. There are two types of loans that are available from Ellaquai Dehati Bank for the customers, namely, Term Loan and Overdraft Loan.
  4. Affordable interest rates on Ellaquai Dehati Bank Personal Loan.

Are you eligible for getting a Personal Loan from any financial institution? There are some Eligibility Criteria regulated by Banks to get a loan. You must be eligible if you want finance to meet your requirement. Check your Eligibility in 1 minute. Apply Online and get Dialabank for you.

Ellaquai Dehati Bank Personal Loan Eligibility

Ellaquai Dehati Bank Personal Loan

Not everyone can get Ellaquai Dehati Bank Personal Loan. There are some criteria on the basis of them the bank provide a personal loan to the applicants. Let us discuss them.

There are 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. First of all the age of the applicant should be more than 21 years.
  2.  After that he/she should be earning Rs. 18000 per month at least.
  3.  After that, the applicant should have the work experience of 3 years at least.
  4. After that he/she should be getting the salary in his/her bank account.
  5. The credit history of the applicant should be good.

Self-employed Applicant

  1. If the applicant is self-employed than his/her age should be 25 years at least.
  2. He/she should be filing 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.

Ellaquai Dehati Bank Personal Loan Documentation

Documentation

Salaried

Self-Employed

Colored Photographs

2

2

Income Proof

Salary slip of last three months

ITR of min. 2.5 lac minimum for last 3 years

CBIL Score

Should be 750

Should be 750

ID Proof

Addhaar Card/Pan Card/Voter Id

Addhaar Card/Pan Card/Voter Id

Address Proof

Addhaar Card/Pan Card/Voter Id /Passport/Driver License/Electricity Bill

Addhaar Card/Pan Card/Voter Id /Passport/Driver License/Electricity Bill

Employment Tenure

Minimum 12 year

Minimum 60 years

Ellaquai Dehati Bank Personal Loan Benefits

  1. A Loan without any collateral or security: A Personal Loan is not a secured loan. Banks don’t ask for any security or collateral. So, there is no need of pledging collateral or security. It is purely given as per the customers’ income.
  2. Simple Documentation: Ellaquai Dehati Bank Personal Loan are simple and easy. You can get it with minimum documentation with a quick process. Banks need some primary documents of a borrower like identity proof, address proof, income proof, etc.
  3. Loan Amount: The amount can be ranging from Rs. 50,000 to Rs. 20 lakh.
  4. Quick Loan Approval:  Ellaquai Dehati Bank Personal Loan is easily sanctioned within 48-72 hours without any hassle. After getting the documents, banks will do the verification of the given details and the loan will get disbursed within 24 hours of verification.
  5. Multipurpose finance:Personal loan can be used for various purposes, i.e. in paying old bills, home improvements, wedding shopping, financing trips and many more.
  6. No Third party involvement:The loan is directly given to the borrower without the involvement of the third party. It is a relationship between the borrower and the lender.
  7. Hassle free: Getting a personal loan is now a hassle-free process. Online loan portals have made it more convenient and easy. You can get the loan amount in your account without stepping out of your place.

Ellaquai Dehati Bank Personal Loan Interest Rate

Personal Loan Starts at 10.75% per annum. And vary from person to person on the basis of salary and CIBIL Score. It also depends on the profile of the company.

How to avail the lowest personal loan Interest Rates?

  1. Company Profile: The company profile may impact a lot in terms of interest rates. Banks have categorized the companies in different categories. They offer interest rates as per the category of company. So, if you are looking for a good deal, do check your company category.
  2. Online Comparison: Person should do detailed research online to compare the interest rates of all lenders. It helps the borrower to choose the best lender that suits their requirements. A person can use various tools like EMI Calculator, online comparison portals, loan helplines, etc.
  3. Negotiate with the lender: In case a consumer is already a customer of the lender, then chances of getting a good discount on interest rates will be more.
  4. Co-borrower:If a borrower’s credit rating is low then, the borrower can merge the income of spouse/father/mother to increase the loan eligibility.

What are the Benefits of Personal Loan?

  1. There are many advantages to taking a personal loan from them, such as:
  2. They provide personal loans at interest rates varying from 15.50% to 22%.
  3. A person can avail the loan amount ranging from Rs. 50,000 to Rs. 5 lakhs.
  4. Loan EMIs can be paid for up to 60 months.
  5. Special loan offers for pensioners.

How to Apply?

  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 Ellaquai Dehati Bank Personal Loan

Q. What is Ellaquai Dehati Bank Personal Loan?

If you find yourself in need of urgent funds for your personal expenses like wedding, travel, payment of bills, and etc. You can apply for a Personal Loan from Ellaquai Dehati Bank and fulfill all your needs. Personal Loans come with long tenures for easy repayment with attractive interest rates.


Q. What is Personal Loan rate of interest in Ellaquai Dehati Bank?

Ellaquai Dehati Bank Personal Loan rates start from 10.75% per annum. The rate of interest depends on the borrower’s profile. If you have a good CIBIL Score you can expect a lower rate of interest.


Q. How can I get Ellaquai Dehati Bank Personal Loan?

You can get a Personal Loan from Ellaquai Dehati Bank by visiting the nearest branch with your documents and duly signed application form. You can also visit Dialabank’s digital platform to compare offers of different banks and financial companies.

Q. How to apply for Personal Loan in Ellaquai Dehati Bank?

You can apply for a Personal Loan with Ellaquai Dehati Bank by contacting your nearest branch in person or through Dialabank’s online portal for better convenience and to get the best deals and offers.

Q. Why apply for Ellaquai Dehati Bank Personal Loan?

Personal Loans can be used to finance all your small and big expenses. The long tenures and attractive interest rates make it easy to repay the loan in burden-free EMIs. You can use your Ellaquai Dehati Bank Personal Loan for all your personal financial needs without having to submit any security.

Q. How much EMI on Ellaquai Dehati Bank Personal Loan?

Your Personal Loan EMI depends on your loan amount, loan tenure, and rate of interest. You can visit Dialabank and use our EMI Calculator to calculate your Ellaquai Dehati Bank Personal Loan EMIs.

Q. How much CIBIL score required for Ellaquai Dehati Bank Personal Loan?

You will need a CIBIL score above 700 for your Personal Loan with Ellaquai Dehati Bank. Banks require a high CIBIL score for unsecured Personal Loans because it helps calculate the risk of default.

Q. Minimum credit score needed for Ellaquai Dehati Bank Personal Loan?

A minimum credit score of 700 is needed for Ellaquai Dehati Bank Personal Loans. A healthy credit score is a necessity to avail unsecured loans.

Q. How to calculate Ellaquai Dehati Bank Personal Loan EMI?

You can calculate your Ellaquai Dehati Bank Personal Loan EMI using the formula, E = P x R x [((1+R)^N)/((1+R)^N)-1]. Here, P is your principal loan amount, R is your rate of interest, and N is the loan tenure. You can also use Dialabank’s EMI calculator.

Q. What can I use Ellaquai Dehati Bank Personal Loan for?

Your Ellaquai Dehati Bank Personal Loan can be used to fulfill all your financial needs and meet all your personal expenses. A wedding, an event, travel and vacation, buying of consumer goods, payment of bills, and etc.

Q. Can I prepay Ellaquai Dehati Bank Personal Loan?

Yes, you can prepay your Ellaquai Dehati Bank Personal Loan by contacting your loan branch in person. In some cases, you may be required to pay a small foreclosure charge.

Q. How to prepay Ellaquai Dehati Bank Personal Loan?

Visit your Ellaquai Dehati Bank loan branch and apply for a foreclosure on your Personal Loan account. You will need to pay all the pending amount and upon verification of your payments, your loan will be closed.

Q. How to repay Ellaquai Dehati Bank Personal Loan?

You can repay your Ellaquai Dehati Bank Personal Loan in easy monthly EMIs that consist of both your principal amount and interest. You can either give a standing instruction or an ECS on your bank account for monthly deduction of EMIs.

Q. What documents are needed for Ellaquai Dehati Bank Personal Loan?

You will need your basic KYC documents along with proof of your income to apply for a Personal Loan from Ellaquai Dehati Bank. These documents are to be submitted along with a duly signed application form with the bank.

Q. How to check Ellaquai Dehati Bank Personal Loan status?

You can check your Personal Loan status by contacting your Ellaquai Dehati Bank branch in person or through customer care number.

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