Kashi Gomti Samyut Gramin 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

About Kashi Gomti Samyut Gramin Bank Personal Loan

Kashi Gomti Samyut Gramin Bank Personal Loan

Kashi Gomti Samyut Gramin bank came into existence in the year  2005 by the collaboration of Kashi Gramin Bank, Gomti Gramin Bank, and Samyut Kshetriya Gramin Bank into one. Union Bank of India sponsored the amalgamation.
At present, the bank is providing its financial services to the rural population of the state through more than 340 branches. Also, the bank offers many financial services like a loan. FD deposit etc. From this personal scheme, credit is one of the frequently used loaning schemes is fast and hassle-free and can be used in for personal use.

How to apply for Kashi Gomti Samyut Gramin Bank Personal Loan

  1. See first of all applicant needs to apply for a personal loan.
  2. After that, once your form is filled it will be sent to the bank. There on the employee will check your loan application.
  3. Also, the bank evaluates your income eligibility and your CIBIL score.
  4. Now after all these tasks are completed bank proposes the loan amount and the interest rate.
  5. At last, you get your loan amount from the bank, and the disbursal of the loan takes place.

Kashi Gomti Samyut Gramin Bank Personal Loan Eligibility

For the salaried applicant: 
  1. Firstly, the age of the applicant should be more than 21 and maximum age to avail this loan is 61.
  2. Also, for the salaried applicant bank requires  Rs 18,000 as the minimum monthly salary.
  3. Likewise, an applicant must have an account opened in a bank and your salary should come to that bank account.
  4. Last but not least for availing personal loan a salaried applicant’s CIBIL needs to be above 750.
For the self-employed applicant:
  1. For the independent applicant, the bank requires a minimum CIBIL score of 750.
  2. Also, the age requirement to avail this loaning scheme is 25 to 65 years.
  3. In addition to this, the bank requires a business to be running for more at least three years.
  4. Moreover, the annual turnover of the business should be above 30 Lacs.

Kashi Gomti Samyut Gramin Bank Personal Loan Documents

  1. Identity proof: (Passport/Id card/voter card/driving license/Aadhar Card) It can be any one of them. Everyone easily has these documents, so there is no problem with the submission.
  2. Residence proof : (Passport/Id card/voter card/driving license/Ration Card/Aadhar Card).  And if the applicant is living in a rented apartment, then they have to submit their rental agreement, electricity bill which has to be in the name of the applicant and the address of the owner.
  3. The applicant has to submit their PAN card which is an essential document under the KYC formality.
  4. If the applicant is a salaried one, then they have to submit their salary slip of the last three months and the bank statements of the last six months.
  5. And if the applicant is a self-employed then they have to submit the ITR of the last three years and registration of their business should be done.
  6. Two passport size colored photos. (Applicant should not be wearing glasses)

Kashi Gomti Samyut Gramin Bank Personal Loan Interest Rate

10.70% is the minimum interest rate you can expect from a personal loan. One more thing you need to know is that once the interest rate is decided it will remain the same throughout the tenure period. For Personal loan, the bank chooses to the loan amount and its respective interest rate by taking in consideration of income eligibility and the documents provided.

Kashi Gomti Samyut Gramin Bank Personal Loan Benefits

  1. Firstly, with this loaning scheme, you get to avail affordable interest rates which is one of the reasons why people prefer these loan more than others.
  2. As a result, the borrower can easily repay his/her loan amount without facing any issues.
  3. Furthermore, the personal loan requires minimal documentation in comparison to another loaning scheme.
  4. Thus, the documentation process is less time-consuming.
  5. Moreover, if all your documents full-fill all the bank standards, you can expect your loan approval within 30 minutes.
  6. Also, the tenure period is quite flexible, and it comes with foreclosure ability.
  7. That means you can pay the loan amount before time and skip the remaining EMI’s.

How to apply for Kashi Gomti Samyut Gramin Bank Personal Loan

  1. Firstly, you need to visit our website DialaBank.
  2. Once you reach the homepage, you have to fill the form shown on the screen.
  3. Secondly, you must provide your necessary details along with your contact number.
  4. Please double check when you provide your contact details.
  5. Now your work is done, all you need to do is sit back and relax.
  6. One of our relationship managers will soon be in touch with you via phone call.
  7. Our RM will guide you through the best loaning schemes and offers which you can quickly get near your location.
  8. Also, it’s our responsibility to provide you high loan to value ratio on your loan.
  9. Finally, our service is free of cost.
  10. Yes, don’t get shocked there are no hidden charges applicable, and all our services are free while maintaining the transparency.

FAQs About Kashi Gomti Samyut Gramin Bank Personal Loan

Q. What is Kashi Gomti Samyut Gramin Bank Personal Loan?

Have an expense that you need to cover or need some financial assistance then the Personal Loan from Kashi Gomti Samyut Gramin Bank is just what you need. You can avail Personal Loans with minimal documentation and at competitive rates to meet your money needs.

Q. What is Personal Loan rate of interest in Kashi Gomti Samyut Gramin Bank?

Kashi Gomti Samyut Gramin 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 Kashi Gomti Samyut Gramin Bank Personal Loan?

You can get a Personal Loan from Kashi Gomti Samyut Gramin 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 Kashi Gomti Samyut Gramin Bank?

You can apply for a Personal Loan with Kashi Gomti Samyut Gramin 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 Kashi Gomti Samyut Gramin 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 Kashi Gomti Samyut Gramin Bank Personal Loan for all your personal financial needs without having to submit any security.

Q. How much EMI on Kashi Gomti Samyut Gramin 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 Kashi Gomti Samyut Gramin Bank Personal Loan EMIs.

Q. How much CIBIL score required for Kashi Gomti Samyut Gramin Bank Personal Loan?

You will need a CIBIL score above 700 for your Personal Loan with Kashi Gomti Samyut Gramin 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 Kashi Gomti Samyut Gramin Bank Personal Loan?

A minimum credit score of 700 is needed for Kashi Gomti Samyut Gramin Bank Personal Loans. A healthy credit score is a necessity to avail unsecured loans.

Q. How to calculate Kashi Gomti Samyut Gramin Bank Personal Loan EMI?

You can calculate your Kashi Gomti Samyut Gramin 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 Kashi Gomti Samyut Gramin Bank Personal Loan for?

Your Kashi Gomti Samyut Gramin 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 Kashi Gomti Samyut Gramin Bank Personal Loan?

Yes, you can prepay your Kashi Gomti Samyut Gramin 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 Kashi Gomti Samyut Gramin Bank Personal Loan?

Visit your Kashi Gomti Samyut Gramin 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 Kashi Gomti Samyut Gramin Bank Personal Loan?

You can repay your Kashi Gomti Samyut Gramin 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 Kashi Gomti Samyut Gramin Bank Personal Loan?

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

Q. How to check Kashi Gomti Samyut Gramin Bank Personal Loan status?

You can check your Personal Loan status by contacting your Kashi Gomti Samyut Gramin Bank branch in person or through customer care number.

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