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.
- 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 |
| Private | 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.
