Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process

Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process

About Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process

A Personal Loan from Kashi Gomti Samyut Gramin Bank helps one meet their various financial needs during an emergency. It is what we call an unsecured loan and can be used for a number of situations such as covering certain expenses, paying medical bills, fulfilling your dreams, renovating houses and such other things. Irrespective of what your own financial goals are, Kashi Gomti Samyut Gramin Bank Personal Loan gives you the perfect solution.

When in need of a personal loan, we shouldn’t hesitate. The expert individuals at Dialabank.com are always available to help get you the best deals in the shortest period of time. Time is of the essence and so are one’s funding resources. Therefore, you can always trust us to come through on our promise to help you through a hassle-free availing process for any and every loan such as a personal loan.

  • Most banks offer pre-approved personal loans at a low rate for the consumers who have an existing account in that institution and possess a strong credit record.Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process
  • They also have an online application/portal where the eligibility and requisite documents can be submitted digitally.
  • You can easily check your Kashi Gomti Samyut Gramin Bank personal loan application status on a real-time basis on the bank’s website, by calling them or by reaching out to our customer care helpline.
  • Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process is highly regarded and also provides special offers and deals for different income and occupation groups.

Kashi Gomti Samyut Gramin Bank Personal Loan Eligibility

Wondering whether you’re eligible for a personal loan? There’s no need to look elsewhere, we’ve listed down the criteria to be fulfilled in order to take a personal loan :-

 

Particulars Salaried Self-Employed
Age 21 – 60 years 21 – 65 years
Minimum Income Rs.15,000* Rs.5 Lakh p.a.
Co-applicant Not mandatory Not mandatory
Loan Tenure 12 – 60 months 12 – 60 months
Maximum Loan Amount Rs.40 Lakh Rs.40 Lakh
Employment Type Employees of private limited companies and public sector undertakings
Self-employed individuals
Employment/Business Continuity At least 2 years; minimum 1 year with current employer
4 years Post Qualification experience for Doctors/ Chartered Accountants.
5 years Post Qualification experience for Company Secretary / Architect.
CIBIL Score 750 and above 750 and above
Residential Status
Resident Indian staying in own house or a rented house

 

*In cities such as Kochi, Kolkata, Ahmedabad, Pune, Hyderabad, Mumbai, Chennai, Bengaluru, and Delhi the net monthly income required is Rs.20,000

*Note: The eligibility criteria vary from lender to lender.

Check Personal Loan Eligibility with Top Lenders in 2021

Bank Age Limit Minimum Work Experience
Minimum Income (Per Month)
SBI Up to 76 years NA** Rs.15,000
HDFC 21 to 60 years 2 years Rs. 20,000
ICICI 23 to 58 years 2 to 5 years Rs.17,500
Axis 21 to 60 years NA** Rs.15,000
Kotak Mahindra 22 to 55 years 1 year Rs.25,000
Tata Capital 21 to 58 years 1 year Rs.15,000
IndusInd 21 to 60 years 2 to 5 years Rs.25,000
Ujjivan Small Finance 22 to 58 years NA**
Above the minimum wage limit
India Infoline Finance Limited 25 to 60 years 6 months to 2 years Rs.35,000
HDBFS 21 to 65 years 1 year to 3 years
Rs.15,000 for salaried
Rs.1 lakh p.a. for self-employed
Indian Overseas Bank Up to 58 years NA* Rs.5,000
IDFC First Bank 23 to 68 years 3 years NA*
Federal Bank 21 – 55 Years 3 years Rs.25,000
Punjab National Bank 21 – 58 years 2 years for doctors Rs.15,000
Andhra Bank 21 – 55 years NA** NA*
Canara Bank NA** NA**
Salaried: Rs.6,000 & above
Self-employed – Rs. 1.5 lakh
IDBI Bank Up to 75 years for Pensioners NA** Rs.1.5 lakh p.a.
Fullerton India 21 to 55 years 1 to 2 years Rs.15,000
RBL Bank 25 to 60 years 1 to 3 years Rs.25,000
Bank of Baroda 21 to 60 years 1 year to 2 years
60% of gross monthly income
Deutsche Bank 25 to 60 years NA** Rs.25,000
Karnataka Bank NA** 3 years NA*
United Bank of India up to 75 Years 2 years NA*
UCO Bank 21 to 65 years 1 year to 5 years Rs.20,000

 

*Personal loan disbursal is solely at the bank’s discretion and as per the bank’s terms and conditions

Learn More about Personal Loan: Click Here

 

Documents Required for Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process

For every financial service that you avail, certain documents are always required to be submitted as proof. In case of a personal loan, they are :-

 

List of Documents Required for Salaried Applicants

Salaried individuals must submit the following documents in addition to a completed personal loan application form:

Photo Identity Proof (Any one) Passport
PAN Card
Voter’s ID
Aadhar Card
Driving License
Address Proof (Any one)
Passport
Utility Bill (telephone, electricity, water, gas) – less than 2 months old
Aadhaar Card
Driving License
Ration Card
Income Proof
Salary slips (Last 3 months)
Bank statements for the last 3 to 6 months (showing salary credit)
Tax Paid (Any one
IT returns (for 2 years)
Form 16
Residence Ownership Proof (Any one)
Property documents
Maintenance bill
Electricity bill
Proof of Job Continuity (Any one)
Current employment certificate
Current job appointment letter (if more than 2 years have been spent in the same organisation)
Experience certificate (previous employer’s relieving or appointment letter along with job certificate)
Proof of Investment (if any)
Fixed assets, fixed deposit, shares, etc.
Existing Loans (if any)
Payment Track Record & Sanction letter
Photograph
One coloured passport size photograph

 

List of Documents Required for Self-employed Applicants

Self-employed personal loan applicants must submit the following documents in addition to a fully completed loan application form:

Photo Identity Proof (Any one) Passport
PAN Card
Voter’s ID
Aadhaar Card
Driving License
Address Proof (Any one)
Passport
Aadhaar Card
Driving License
Utility Bill (telephone, water, electricity, gas) – less than 2 months old
Ration Card
Proof of Residence Ownership (Any one)
Property documents
Maintenance bill
Electricity bill
Proof of Office Address and Ownership (Any one)
Maintenance bill
Property documents
Electricity bill
Proof of Business Existence (Any one)
Copy of GST registration
Company registration license
Shop establishment proof
Income Proof
Last 2 years Income tax returns of the applicant along with computation of income duly attested by a Chartered Accountant
Audited balance sheet and Profit & Loss accounts, including tax audit report, if applicable
Bank statement
Savings/current account bank statement/ bank passbook for the past one year
Proof of Investment (in case any)
Investments such as fixed deposit, fixed assets, shares, etc.
Existing Loans (in case any)
Payment Track Record and sanction letter
Professional Degree Certificate
In case of professionals
Photograph
One coloured passport size photograph

 

List of Documents Required for NRI Applicants

When applying for a personal loan, NRI candidates are typically required to submit the following documents:

Identity Proof Copy of the passport
Copy of the visa
Employment Proof Letter of Appointment
Job contract
Labour/ Identity card (if applicable)
Official email ID or the HR’s email ID
Income Proof Last 6 months’ bank statements
Last 6 months’ salary slips or salary certificate
Photograph Passport size photographs

 

List of Documents Required for Pensioners

When applying for a personal loan, a pensioner must submit the following documents:

Identity/Age Proof (Any one)
Ration card
Passport
PAN card
Aadhar card
Voter ID card
Driving licence
Birth certificate
School leaving certificate
Address Proof (Any one) Passport
Aadhaar card
Utility bills
Ration card
Driving licence
Income Proof (Any one)
Last 6 months’ bank statements/salary slips
Bank passbook
Form 16
Copy of pension payment order
Income tax returns
Photographs
Passport size photographs

 

Know More About: Personal Loan Eligibility Criteria

 

Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process

What is the approval process for getting a personal loan at Kashi Gomti Samyut Gramin Bank?

Step 1: Determine your requirement
Figure out why you need a Personal Loan and how much you need.

Step 2: Check loan eligibility
Once you know how much you need, you should check whether you tick all the criteria that we’ve listed above for the Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process.

Step 3: Calculate monthly instalments 
Use an online EMI tool to calculate your approximate loan repayments every month. It is strongly advisable to use this EMI calculator which can instantly provide you with details such as the total interest payable on your personal loan.

Step 4: Approach the bank
You can apply for Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process in a variety of ways: Via Net banking, online on the bank’s website, at an ATM or by visiting a branch OR you could just call us at 9878981144 and we’ll guide you through the whole process.

Step 5: Submit documents
Submit the requisite documents as stated above on this page and then wait for funds to be remitted to your account. Kashi Gomti Samyut Gramin Bank disburses funds for pre-approved loans to customers in the shortest period of time.

*Personal loan disbursal is solely at the bank’s discretion and as per the bank’s terms and conditions.

Learn More about Personal Loan: Click Here

Steps to Apply for Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process

If you want to apply for the Kashi Gomti Samyut Gramin Bank Personal Loan, you can do it online or directly visit the branch. We will enlighten you on both the online and offline process. If you are planning to apply, then you have to follow the steps mentioned below :-

  • Visit the website of Kashi Gomti Samyut Gramin Bank or contact the nearest branch of that bank.
  • Fill in the personal, professional and financial details as required by the bank and submit the form.
  • Once you submit the form online, the bank will check your eligibility and then let you know about the eligible amount.
  • Once you agree to process the application, you will have to submit the essential documents, which can be uploaded online.
  • At last, your documents will be processed by Kashi Gomti Samyut Gramin Bank Loan Approval Process, and on successful approval of the loan, the funds will be disbursed to your Kashi Gomti Samyut Gramin Bank account immediately.

Now if you decided to visit the branch directly then you have to follow the steps given below:-

  • Visit the respective bank branch and fill in the application form with the required personal details, occupation information, and contact number. This will be considered foremost in the Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process.
  • Their representative will explain the eligibility of the loan as well as the loan rates, terms, processing fees, prepayment, and foreclosure clauses required for Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process.
  • After submitting the application form and required documents, you will be provided with an application reference number. You can use this number to track the status of your Kashi Gomti Samyut Gramin Bank Personal Loan application.
  • On successful verification, the loan can get disbursed immediately after loan sanction and signing of the agreement.

All this can be a little tricky if you’re doing it for the first time, so to avoid having doubts at each step you should directly reach out to us at 9878981144 or send a mail to us at booking@dialabank.com

Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process FAQs

✅ How does a personal loan work?

Once you submit your personal loan application to a lender, the lender verifies and approves it according to the requirements of the institution. Post this, the loan amount is immediately disbursed into your bank account. You will be required to pay the EMIs every month as a repayment of your loan

✅  What is the maximum amount of loan I can get if I clear the Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process?

The amount of loan you can get completely depends on your income. In India, there are lenders who are offering up to Rs.50 lakhs.

✅ What credit rating should be required to get a personal loan?

A CIBIL score of 700 and above is considered to be a good score for personal loan approval. But, having a score of 800 or more will get you into the good books of lenders. It could also get you better interest rates and repayment options on the loan.

✅ What is the best mode to apply for the Kashi Gomti Samyut Gramin Bank Personal Loan Approval Process?

The best way to apply for a loan is through the online mode of loan application tool available at DialaBank.com The portal can be accessed on this page giving users the liberty to choose PLs from various lenders as per their needs.

✅ How can I repay my Personal Loan?

You can repay your Personal Loan via an auto-debit instruction through your HDFC Bank account on a stipulated date every month to repay your EMI.