Fincare Small Finance Bank Personal Loan

⋆ Interest Rate 9.99% ⋆

Check Special Offers During COVID-19

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      Why us?

      Rates as low as 9.99%*
      Loans Up to 30 Lacs
      Same Day Disbursal
      Doorstep Service
      Unbiased Experts Advice

      Fincare Small Finance Bank Personal Loan Key Features

      Eligibility Criteria  Details
      Age 21-58 yrs (at loan maturity)
      CIBIL 750
      Fincare Small Finance Bank Personal Loan Interest Rate 9.99% per annum 
      Lowest EMI per lakh NIL
      Tenure 120 months
      Fincare Small Finance Bank Personal Loan Processing Fee 1% to 2% 
      Prepayment Charges 3%+applicable taxes
      Part Payment Charges NIL
      Minimum Loan Amount Rs 1.5 lakh
      Maximum Loan Amount Rs. 50 lakhs

      Each Feature Explained in Detail Below


      Fincare Small Finance Bank Personal Loan Eligibility Criteria

      Eligibility criteria for a personal loan:

      CIBIL score 750 and above
      Age 21-58 yrs (at loan maturity)
      Min Income Rs. 20,000
      Occupation Salaried/Self-Employed

      Fincare Small Finance Bank Personal Loan Interest Rate and Charges

      Fincare Small Finance Bank Personal Loan Interest Rate 9.99% per annum 
      Fincare Small Finance Bank Personal Loan Processing Charges 1% to 2%
      Prepayment Charges 3%+ applicable charges
      Stamp Duty NIL
      Cheque Bounce Charges NIL
      Penal Interest NIL
      Floating Rate of Interest NIL

      Fincare Small Finance 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

      Fincare Small Finance Bank Personal Loan EMI Calculator

      EMI Calculator.

      Fincare Small Finance Bank Personal Loan Compared to Other Banks

      Particulars Fincare Small Finance Bank HDFC Bank Bajaj Finserv Axis Bank Citibank ICICI 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 120 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. 50 lakhs 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 Up to 2% of the loan amount 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 Fincare Small Finance Bank

      Gold Loan Car Loan Home Loan Business Loan
      TWL LAP Credit Card Education Loan

      Why should you apply for Fincare Small Finance Bank Personal Loan with Dialabank?

      Dialabank provides the best and fast services to its customers. It has the most truthful and trusted agents who are guiding you in the entire procedure of a personal loan. If you want to get your loan application approval faster, you should apply for Fincare Small Finance Bank Personal Loan with Dialabank.

      How to Calculate EMIs for Fincare Small Finance Bank Personal Loan

      The required information for the calculation of Fincare Small Finance Bank Personal Loan EMI is given below:

      1. Amount of the Loan
      2. Interest Rate
      3. Tenure

      Put these values in the calculator below and find your monthly EMIs

      EMI calculator.

      Fincare Small Finance Bank Personal Loan Processing Time

      The time is taken by the bank in the procedure of personal loan application is the Fincare Small finance Bank Personal lOan Processing Time. The processing time for this bank is 2 days.

      Fincare Small Finance Bank Personal Loan Preclosure charges

      Fincare Small Finance Bank Personal Loan Preclosure is the repayment of the amount of a loan given by you before the time. Preclosure will help you in getting interest rates lower.

      Pre Calculated EMI for Personal Loan

      Loan Amount EMI
      Rs. 50 lakh NIL
      Rs. 25 lakh NIL

      Fincare Small Finance Bank Personal Loan for Salaried Employees

      For salaried workers, Fincare Small Finance Bank provides personal loans at competitive interest rates. The amount of a loan you earn depends on the business you work for the employee’s take-home salary as well as the employee’s city of residence. Fincare Small Finance Bank offers these loans for a tenure of 12-60 months and provides preapproved customers with immediate approval along with funds.

      Fincare Small Finance Bank Personal Loan for Self Employed Individuals

      The Personal Loan for Self Employed by Fincare Small Finance Bank is a loan product provided to individuals who are self-employed and in need of funds. The bank provides them with competitive interest rates on their personal loans and 12-60 months of tenure. However, you have to send more documents here compared to Salaries Workers, as you need to provide the bank with ample documents related to your company to show its continuity as well as your steady revenue.

      Different Personal Loan offers by Fincare Small Finance Bank

      Fincare Small Finance Home Loan 

      fincare small finance bank personal loan

      • Fincare Small Finance Bank offers a home loan.
      • It offers a home loan for the purchasing, construction, and renovation of the home.

      Fincare Small Finance Personal Loan for Government Employees

      • Fincare Small Finance Bank offers a personal loan for Government Employees.
      • The loan amount depends on the company that you are working in.

      Fincare Small Finance Education Loan

      • Fincare Small Finance Bank provides Education Loan.
      • The loan amount depends on the course and the institution.
      • It provides education loan for studies in India as well as Abroad.

      Fincare Small Finance Personal Loan for Marriage

      • Fincare Small Finance Bank provides a marriage loan.
      • It helps in providing financial needs.

      Fincare Small Finance Personal Loan Balance Transfer

      Fincare Small Finance Bank Personal Loan Balance Transfer is the loan amount that is transferring from one lending foundation to another. Balance Transfer lowers the interest rate.

      Fincare Small Finance Bank Personal Loan Top Up

      Fincare Small Finance Bank Personal Loan Top Up is the additional amount is added in your recent loan amount by a company. You can get a Loan Top Up after the repayment of 12 EMIs without any delay.

      Fincare Small Finance Bank Personal Loan Status

      Fincare Small Finance Bank Personal Loan Status can be checked by visiting the bank’s website. There is given every detail about the personal loan.

      Types of Fincare Small Finance Bank Personal Loan

      Home renovation loan

      Fincare Small Finance 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 Fincare Small Finance Bank Home Renovation Loan’s major features are:

      • The Home Renovation Loan of Fincare Small Finance 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.
      • Fincare Small Finance 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 Fincare Small Finance 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 Fincare Small Finance Bank, including the booking of flight fares, hotel accommodation, guided tours, etc. The Fincare Small Finance Bank Holiday Loan’s key features are:

      • Interest rates on holiday loans starting at 11.25 per cent 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 Fincare Small Finance Bank is distinct. The loan option provided by Fincare Small Finance Bank is intended to help refreshers, i.e. recent graduates searching for their first job. Few of Fincare Small Finance 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, his credit history/score, the applicant’s age and place.

      NRI Personal Loan

      Knowing the wishes and desires of NRIs, Fincare Small Finance 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:

      • Fincare Small Finance Bank offers NRIs with adjustable end-use personal loans of up to Rs. 10 lakh.
      • NRI Personal Loan interest rates launch at 15.49 per cent p.a.
      • Up to 36 months is the term of the loan.

      How to Apply for Fincare Small Finance Personal Loan?

      You can avail a personal loan by following the given steps:

      1. Visit Dialabank and fill the application form.
      2. Our representative will call you.
      3. Our experts will guide you through the whole procedure and tell you in a detailed manner about the loan.

      Fincare Small Finance 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 Fincare Small Finance Bank Personal Loan application Status

      The process for checking your application’s status requires the following steps:

      • Visit the official website of Fincare Small Finance 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 Fincare Small Finance Bank portal

      • Visit the Official Website of Fincare Small Finance 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.

      Fincare Small Finance Bank Personal Loan Restructuring (COVID-19)

      Several borrowers have been adversely affected by the national lockout owing to the COVID-19 pandemic, and a six-month moratorium on various term loans has been declared to some degree to minimise its impact. Upon completion of the six-month moratorium, Fincare Small Finance Bank announced an RBI-mandated one-time gain from the restructuring of the loan from Fincare Small Finance Bank. This process aims to provide continued relief to borrowers who are still unable to repay their daily EMI due to the pandemic’s ongoing financial distress.

      In order to reduce monthly EMI fees, the loan settlement scheme implemented by Fincare Small Finance Bank provides for an extended moratorium of up to 2 years or an extension of the current maturity term. Of course, it is important to bear in mind that the restructuring of the loan by your Bajaj Finance workers will result in additional interest rates in excess of those applicable to the initial loan. This relief mechanism should also only be used as a last resort so that the outstanding loan does not end up defaulting.

      Fincare Small Finance Bank Customer Care

      Customers can approach Fincare Small Finance Bank’s Customer Support via any of the following means:

      By phone: You can call Fincare Small Finance Bank on 98789811666 (toll-free) 

      Callback order: You can also make a return call by accessing the bank’s website. 

      Online Chatbot: You can even have a simple Chatbot online to answer your questions. 

      Visit Branch: To obtain your requests, visit the nearest Fincare Small Finance Bank branch.

      Benefits of Applying for Personal Loan on Dialabank

      On the DialaBank website, there are many drawbacks of 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:  com 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 DialaBank.com, 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.com, you are not required to incur any fees.

      Important Aspects

      Below are some important items you need to note when applying to Fincare Small Finance 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.com before finalising 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 Fincare Small Finance Bank Personal Loan

      How to apply for Fincare Small Finance Bank Personal Loan?

      You can apply for a personal loan from Fincare Small Finance Bank, by visiting the nearest Fincare Small Finance Bank branch or by submitting a simple form with Dialabank. You can get the benefit to apply with Dialabank and get your personal loan approval faster.

      What is the Interest Rate for Fincare Small Finance Bank Personal Loan?

      The interest rate for availing a personal loan from Fincare Small Finance bank starts from 9.99%.

      What is the minimum age for getting a Personal Loan from Fincare Small Finance Bank?

      The minimum age required for getting a personal loan from Fincare Small Finance Bank is 21 years.

      What is the maximum age for getting a Personal Loan from Fincare Small Finance Bank?

      The maximum age for getting a Personal Loan from Fincare Small Finance Bank is 58 years.

      What is the minimum loan amount for Fincare Small Finance Bank Personal Loan?

      The minimum loan amount that can be avail for your personal loan from Fincare Small Finance Bank is Rs. 1.5 lakhs.

      What is the maximum loan amount for Fincare Small Finance Bank Personal Loan?

      The maximum loan amount for getting a personal loan from Fincare Small Finance Bank is Rs. 50 lakhs.

      What are the documents required for Fincare Small Finance Bank Personal Loan?

      The papers needed to get a personal loan from Fincare Small Finance Bank are aadhaar card, driving license, voter ID, salary certificate and form number 16, ITR file, bank statements of last 6 months.

      What is the Processing Fee for Fincare Small Finance Bank Personal Loan?

      The processing fee for getting a personal loan from  Fincare Small Finance Bank is up to 1% to 2% of the loan amount.

      How to get Fincare Small Finance Bank Personal Loan for Self Employed?

      Fincare Small Finance Bank has special offers for the self-employed to help them financially. You should have the ITR file of the last two years.

      What is the Maximum Loan Tenure for Fincare Small Finance Bank Personal Loan?

      The maximum duration for loan tenure for Fincare Small Finance is 120 months.

      What should be the CIBIL Score for Fincare Small Finance Bank Personal Loan?

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

      Do I have a preapproved offer for Fincare Small Finance Bank Personal Loan?

      You can examine your personal loan preapproved offers from Fincare Small Finance Bank through Dialabank. You will fill a form and we will check out the best offers for you.

      How to calculate EMI for Fincare Small Finance Bank Personal Loan?

      To calculate your personal loan EMI for Fincare Small Finance Bank, you can use the EMI calculator available at Dialabank’s website.

      How to pay Fincare Small Finance Bank Personal Loan EMI?

       Your personal loan EMI from Fincare Small Finance Bank is automatically subtracted from your bank account. Use the net-banking service of Fincare Small Finance Bank for your personal loan payments.

      How to close Fincare Small Finance Bank Personal Loan?

      You must pay your personal loan amount for closing the loan from Fincare Small Finance Bank and collect your no dues certificate.

      How to check Fincare Small Finance Bank Personal Loan Status?

      You have to visit the Fincare Small Finance Bank branch and ask about your personal loan status. You can visit Dialabank and fill the form so that they can do work for you.

      How to close Fincare Small Finance Bank Personal Loan Online?

      The following steps must be followed by you for closing your personal loan from Fincare Small Finance Bank:

      • Visit the net-banking page of Fincare Small Finance Bank.
      • Log in through your details.
      • Pay your personal loan.
      • Save the transaction receipt.

      How to pay Fincare Small Finance Bank Personal Loan EMI Online?

      To pay your personal loan EMI online from Fincare Small Finance Bank, through the internet banking service of Fincare Small Finance Bank. Dialabank will help you to choose the best offer, low-EMI personal loan.

      How to check Personal Loan Balance in Fincare Small Finance Bank?

      You will contact the customer care number of Fincare Small Finance Bank to check your personal loan balance. If you are searching for low-interest personal loans, you must visit Dialabank for Personal Loan Balance Transfer.

      How to download Fincare Small Finance Bank Personal Loan Statement?

      To download your personal loan statement for Fincare Small Finance Bank, use the Fincare Small Finance Bank mobile banking app. You can visit online at Dialabank.

      How to Top Up Personal Loan in Fincare Small Finance Bank?

      If you require a top-up on your personal loan from Fincare Small Finance Bank, you have to visit the bank branch and come in contact with the loan officer. You also fill a form with Dialabank at Personal Loan Loan Up.

      What happens if I don’t pay my Fincare Small Finance Bank Personal Loan EMIs?

      If you don’t pay your personal loan EMIs of Fincare Small Finance Bank, the bank will charge a penal interest. You can apply for a balance transfer through Dialabank to avail of low-interest personal loans.

      What relaxation scheme and moratorium Fincare Small Finance Bank provides in relation to Personal Loan due to Covid 19?

      A six-month moratorium on various term loans has been declared to some degree to minimize its impact. Upon completion of the six-month moratorium, Fincare Small Finance Bank announced an RBI-mandated one-time gain from the restructuring of the loan from Fincare Small Finance Bank.

      How to find Fincare Small Finance Bank Personal Loan account number?

      You must contact your Fincare Small Finance bank loan branch to know about your account number. You also fill a form at Dialabank.

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