Himachal Pradesh Gramin Bank Personal Loan

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Why us?

Rates as low as 10.99%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

All About Himachal Pradesh Gramin Bank Personal Loan

Himachal Pradesh Gramin Bank offers Personal Loan to meet all your expenses. Bank has simple eligibility criteria and documentation. Bank gives you the option of repayment in 36 EMIs that start from the month after the disbursal of loan. The bank provides so many financial products to the customer. It includes banking, loans, insurances, credit cards. It is a public sector bank. Under loans, it provides a personal loan, a gold loan, a car loan or a home loan, but the personal loan is a widely purchased product. The bank has been serving the people for so long, so people trust the policies of the bank.

What is a Personal Loan?

A personal loan is a kind of loan that lets you borrow the money from the banks and non-banking financial organization to meet their personal needs. The loan will be availed on the basis of income, credit score, and history of employment history, repayment capacity. In this, you don’t have to keep anything for security. Furthermore, you can use this amount of personal loan to pay your credit card bills, to make your home and for wedding purposes.

Why Himachal Pradesh Gramin Bank Personal Loan?

Himachal Pradesh Gramin Bank personal loan provides many advantages and benefits to the people to fulfill their desires by getting the required amount. At any time the serious problem may occur, and sometimes a sudden sickness you might break into your savings, paying off the previous debts building a home for yourself and for the wedding expenses are the certain reasons to take a personal loan. And the best part of it is that the bank doesn’t monitor in the personal loan you can do anything with the money. If you are having a requirement of finance, you can apply for a personal loan from Himachal Pradesh Gramin Bank. You can apply for a loan because of the following reasons

  1. Easily Available: It is easily available at all the banks and non-financing companies give personal loans to the customers and it helps in the time of need.
  2. Minimum Documents: Less documentation as it does not keep any asset or something.
  3. Fast Approval: Customer likes to take a loan where they get instantly approved with hassle-free. So here your loan will be approved within 48 hours.
  4. Personal Debts: It provides personal debts in 68 cities till now.

Features and Benefits Himachal Pradesh Gramin Bank Personal Loan

Himachal Pradesh Gramin Bank Personal Loan

Flexible Using the Money: Apart from the other loans, the money which you’ll be getting through the personal loan can be utilized anywhere as per your needs. This loan is to deal with the problem arise at home like repairing the home, to pay hospital bills and for the unexpected events.

  1. No collateral: Apart from the other loans, the documentation procedure is simple and no need for collateral.
  2. Flexible Amount of Loan: It depends on the customer financial history and credit report according to it you will get the loan.
  3. Flexible Terms: 1 year to 3-year terms will be given and it is depended on banks to banks.
  4. Loan Disbursal: After the approval of your personal loan the submission of the documents, the process of loan disbursal is very quick.
  5. Sanctioned Loan: If you are eligible your loan gets sanctioned within 24 hours.
  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.

Himachal Pradesh Gramin Bank Personal Loan Eligibility

Almost all banks and the Non-Banking Financial Company (NBFC) give loans to all the customers by satisfying their needs on the basis of some eligibility but not everyone can get a personal loan. There are some criteria on the basis of them the bank provide a personal loan to the applicants. There are some criteria on the basis of them the bank provide a personal loan to the applicants whereas different banks have different eligibility but the most common criteria for most of the bank and NBFC to the customer for a personal loan will be the following.

Eligibility

Salaried

Self-Employed

Age

Min 21 years, Max-60years

Min 21 years, Max 65 years

Income

18000 per month at least

ITR of 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

Himachal Pradesh Gramin Bank Personal Loan Interest Rate

Himachal Pradesh Gramin Bank Provides the personal loan at very low-interest rates. It usually starts at 10.75% per annum.

Why Himachal Pradesh Gramin Bank?

Himachal Pradesh Gramin Bank personal loan provides many advantages and benefits to the people to fulfill their desires by getting the required amount. At any time the serious problem may occur, and sometimes a sudden sickness you might break into your savings, paying off the previous debts building a home for yourself and for the wedding expenses are the certain reasons to take a personal loan. And the best part of it is that the bank doesn’t monitor in the personal loan you can do anything with the money. If you are having a requirement of finance, you can apply for a personal loan from Himachal Pradesh Gramin Bank.  You can apply for a loan because of the following reasons

Easily Available: It is easily available at all the banks and non-financing companies give personal loans to the customers and it helps in the time of need.

Minimum Documents: Less documentation as it does not keep any asset or something.

Fast Approval: Customer likes to take a loan where they get instantly approved with hassle-free. So here your loan will be approved within 48 hours.

Features and Benefits of Himachal Pradesh Gramin Bank Personal Loan

Flexible Using the Money: Apart from the other loans, the money which you’ll be getting through the personal loan can be utilized anywhere as per your needs. This loan is to deal with the problem arise at home like repairing the home, to pay hospital bills and for the unexpected events.

  1. Special top-up:  Loans for existing Himachal Pradesh Gramin Bank customers who have done timely repayment of a loan for 6 months of the loan duration.
  2. No collateral: Apart from the other loans, the documentation procedure is simple and no need for collateral.
  3. Flexible Amount of loan: It depends on the customer financial history and credit report according to it you will get the loan.
  4. Flexible Terms:  1 year to 3-year terms will be given and it is depended on banks to banks.
  5. Loan Disbursal: After the approval of your personal loan the submission of the documents, the process of loan disbursal is very quick.
  6. Sanctioned Loan: If you are eligible your loan gets sanctioned within 24 hours.
  7. No Third party involvement: The loan is directly given to the borrower without involvement of the third party. It is a relationship between the borrower and the lender.
  8. 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.

Why apply for a personal loan in Dialabank?

You can apply for a Himachal Pradesh Gramin Bank personal loan online on the website of dialabank.com. You just have to search for Dialabank on Google. After that, you have to search for a personal loan there. Fill the application form with the basic information of yours and click on apply button. You will get a call back from our side within 5 minutes. You can call on 60011600 too for more information about the personal loan.

  1. Eligibility Check: We have a calculator so that it will be helpful for the customer to know their EMI.
  2. Instant loan Approval: After submitting all the documents for the personal loan then the customer will get instant approval.
  3. Doorstep Facility: You will get a document pickup facility from your doorstep.
  4. Responsive: The customer query response is very quick.
  5. No other charges: There are any charges for the guidance of the customer’s queries.

For more information, you may call on 60011600.

How to Apply?

  1. Visit our website in www.dialabank.com.
  2. Fill the online application form with the contact number.
  3. Submit the entire document.

FAQ’s

What is the minimum loan?

Ans: The minimum will be 1 Lac for Salaried Class.

How long will be the loan tenure for Self-Employed?

Ans: For self-employed, it will be a minimum of 12 months to a maximum of 36 months.

How long will be the loan tenure for salaried?

Ans: For salaried will be a minimum of 12 months to maximum will be 36 months.

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