Narmada Jhabua Gramin Bank Personal Loan Key Features Apr 24 2024
| Eligibility Criteria | Details |
| Age | 21 to 58 yrs(at loan maturity) |
| CIBIL | 750 |
| Narmada Jhabua Gramin Bank Personal Loan Interest Rate | 9.99% per annum |
| Lowest EMI per lakh | NIL |
| Tenure | 12 to 60 months |
| Narmada Jhabua Gramin Bank Personal Loan Processing Fee | 1% to 2% |
| Prepayment Charges | Decided by bank |
| Part Payment Charges | Decided by bank |
| Minimum Loan Amount | Rs. 40,000 |
| Maximum Loan Amount | Rs. 40 Lakhs |
Narmada Jhabua Gramin Bank Personal Loan Eligibility Criteria
Personal loan eligibility criteria:
| CIBIL score | 750 or above |
| Age | 21 to 58 yrs |
| Min Income | Rs. 15000/month for metro cities Rs. 12,500/month for other cities |
| Occupation | Salaried/Self-Employed |
Narmada Jhabua Gramin Bank Personal Loan Interest Rate and Charges
| Narmada Jhabua Gramin Bank Personal Loan Interest Rate | 9.99% per annum |
| Narmada Jhabua Gramin Bank Personal Loan Processing Charges | 1% to 2% |
| Prepayment Charges | NIL |
| Stamp Duty | NIL |
| Cheque Bounce Charges | NIL |
| Penal Interest | NIL |
| Floating Rate of Interest | NIL |
Narmada Jhabua Gramin Bank Personal Loan Documents Required
| Form | Duly filled and signed application form |
| Proof of Identity | Copy of: > Passport > Driving License > Aadhaar Card > Voter ID Card |
| Proof of Address | Rent Agreement (Min. 1 year of stay) Utility Bills Proof of permanent residence Ration card, Bank Account Statement, Latest Credit Card Statement |
| Proof of Income | ITR: Last two financial years( For self-employed)
> Salary Slip: Last 6 months (Salaried Employee) |
Narmada Jhabua Gramin Bank Personal Loan EMI Calculator
Narmada Jhabua Gramin Bank Personal Loan Compared to Other Banks
| Bank | Interest Rate | Tenure | Loan Amount & Proc Fee |
| Narmada Jhabua Gramin Bank | 9.99% | 12 to 60 months | Up to Rs. 40 lakh / Up to 3 % of the loan amount |
| HDFC Bank | 11.25% to 21.50% | 12 to 60 months | Up to Rs. 40 lakh / Up to 2.50% of the loan amount |
| Bajaj Finserv | Starting from 12.99% | 12 to 60 months | Up to Rs. 25 lakh / Up to 3.99% of the loan amount |
| Axis Bank | 15.75% to 24% | 12 to 60 months | Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount |
| Citibank | Starting from 10.99% | 12 to 60 months | Up to Rs. 30 lakh / Up to 3% of the loan amount |
| Private Bank | 11.50% to 19.25% | 12 to 60 months | Up to Rs. 20 lakh / Up to 2.25% of the loan amount |
Other Loan Products from Narmada Jhabua Gramin Bank
| Gold Loan | Car Loan | Home Loan | Business Loan |
| Two Wheeler Loan | Loan Against Property | Credit Card | Education Loan |
Why should you apply for Narmada Jhabua Gramin Bank Personal Loan with Dialabank?
Dialabank has one of the leading and trustworthy operators in India. Dialabank helped so many people without any issue. You should prefer a personal loan through Dialabank. Dialabank helps in loan processing and approval at a faster rate.
You can call at 9878981166 for any query regarding Narmada Jhabua Gramin Bank Personal Loan.
How to Calculate EMIs for Narmada Jhabua Gramin Bank Personal Loan
There is a requirement of the following information to calculate Narmada Jhabua Gramin Bank Personal Loan EMI:
- Loan Amount
- Interest Rate
- Tenure
Enter these values in the calculator to know your EMI:
Narmada Jhabua Gramin Bank Personal Loan Processing Time
Narmada Jhabua Gramin Bank Personal Loan processing is fast. The documentation requirement is also very less. So, this bank provides personal loans with processing fees of up to 3%. The processing time for loan approval is 30 minutes.
Narmada Jhabua Gramin Bank Personal Loan Preclosure charges
Narmada Jhabua Gramin Bank offers personal loans with 0-3% preclosure.
Pre Calculated EMI for Narmada Jhabua Gramin Bank Personal Loan
| Loan amount | EMI |
| Rs. 20 lakh | NIL |
| Rs. 35 lakh | NIL |
Different Personal Loan offers by Narmada Jhabua Gramin Bank
Narmada Jhabua Gramin Bank Home Loan
- Narmada Jhabua Gramin Bank offers personal loans for a home.
- Minimum Age: 18 yrs
- Maximum Age: 70 yrs
- Regular Income applicants are a must.
- Earn more than the required monthly income.
- Loan Amount Repayment in 30 yrs.
- Avail loan amount up to Rs. 40 lakh.
Narmada Jhabua Gramin Bank Personal Loan for Government Employees
- Narmada Jhabua Gramin Bank offers personal loans to the Govt. Employees.
- The loan amount depends on the Company in which you are working.
Narmada Jhabua Gramin Bank Education Loan
- Narmada Jhabua Gramin Bank offers personal loans for education.
- Provides personal loans up to a 13% interest rate.
- The guarantor is required.
- For studies in India: Loan amount up to Rs. 10 lakh.
- For studies Abroad: Loan amount up to Rs. 20 lakh.
Narmada Jhabua Gramin Bank Personal Loan for Pensioners
- Narmada Jhabua Gramin Bank offers personal loans to pensioners.
- A minimum of 10 yrs of service is required for the personal loan.
Narmada Jhabua Gramin Bank Personal Loan Balance Transfer
- Transfering of the amount to the different institution is Personal Loan Balance Transfer
- Interest Rate lowers
- Tenure of repayment extends
Narmada Jhabua Gramin Bank Personal Loan Top Up
Narmada Jhabua Gramin bank personal loan provides top-up that means an additional amount on the existing loan.
Narmada Jhabua Gramin Bank Personal Loan Overdraft Scheme
Narmada Jhabua Gramin Bank Personal Loan Offers an Overdraft Scheme. With this, you are provided with a loan amount as an overdraft facility. It works like a Credit Card, where you can spend your Personal Loan Amount as you want anytime anywhere. The overall loan amount will have a Credit/Loan Limit. In the Narmada Jhabua Gramin Personal Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.
Narmada Jhabua Gramin Bank Personal Loan Status
- Visit the site of this bank.
- Check the eligibility.
- Fill the form with your information.
- Our managers will contact you.
Types of Narmada Jhabua Gramin Bank Personal Loan
Home renovation loan
Narmada Jhabua Gramin 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 Narmada Jhabua Gramin Bank Home Renovation Loan’s major features are:
- The Home Renovation Loan of Narmada Jhabua Gramin 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.
- Narmada Jhabua Gramin 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 Narmada Jhabua Gramin Bank will help you budget for your dream vacation with limited difficulties. Several holiday-related expenses will be funded by this personal loan from Narmada Jhabua Gramin Bank, including the booking of flight fares, hotel accommodation, guided tours, etc. The Narmada Jhabua Gramin Bank Holiday Loan’s key features are:
- Interest rates on holiday loans starting at 11.25 percent 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 Narmada Jhabua Gramin Bank is distinct. The loan option provided by Narmada Jhabua Gramin Bank is intended to help refreshers, i.e. recent graduates searching for their first job. Few of Narmada Jhabua Gramin 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, credit history/score, applicant’s age, and place.
NRI Personal Loan
Knowing the wishes and desires of NRIs, Narmada Jhabua Gramin 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:
- Narmada Jhabua Gramin Bank offers NRIs with adjustable end-use personal loans of up to Rs. 10 lakh.
- NRI Personal Loan interest rates launch at 15.49 percent p.a.
- Up to 36 months is the term of the loan.
How to Apply for Narmada Jhabua Gramin Bank Personal Loan?
There is less requirement for paperwork. It helps in saving your time and you get your loan approval faster.
Follow the steps for the approval of your Personal Loan:
- Visit Dialabank and fill the application form.
- You will get a call from us.
- Our instructors will guide you through the entire process and tell you the details of the loan.
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 based on the internal criteria of the lender, as well as other parameters.
Check your Narmada Jhabua Gramin Bank Personal Loan Application Status
The process for checking your application’s status requires the following steps:
- Visit the official website of Narmada Jhabua Gramin 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 Narmada Jhabua Gramin Bank portal
- Visit the Official Website of Narmada Jhabua Gramin 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.
Narmada Jhabua Gramin Bank Personal Loan Restructuring (COVID-19)
Many borrowers have been adversely affected by the national lockout due to the COVID-19 pandemic, and a six-month moratorium on various term loans has been declared to some degree to minimize its impact. Narmada Jhabua Gramin Bank announced an RBI-mandated one-time gain from the Narmada Jhabua Gramin Bank loan restructuring after the six-month moratorium was terminated. This mechanism aims at providing continued relief to borrowers who are still unable to repay their daily EMI due to the ongoing financial distress of the pandemic.
To minimize the monthly EMI payments, the loan settlement scheme implemented by Narmada Jhabua Gramin Bank provides for an extended moratorium of up to 2 years or an extension of the current period of maturity. It is necessary to bear in mind, of course, that the restructuring of the loan by Bajaj Finance employees would result in additional interest rates exceeding those applicable to the initial loan. Using this relief method only as a last resort is also necessary so that the unpaid loan does not end up defaulting.
Narmada Jhabua Gramin Bank Customer Care
Customers can approach Narmada Jhabua Gramin Bank’s Customer Support via any of the following means:
By phone: You can call Narmada Jhabua Gramin Bank on 18002336295 (toll-free)
Callback order: You can also make a return call by accessing the bank’s website.
Online Chatbot: You can even have an apple Chatbot online to answer your questions.
Visit Branch: To obtain your requests, visit the nearest Narmada Jhabua Gramin Bank branch.
Benefits of Applying for Personal Loan on Dialabank
On the Dialabank website, there are many drawbacks to 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: Dialabank 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 the Dialabank website, 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, you are not required to incur any fees.
Important Aspects
Below are some important items you need to note when applying to Narmada Jhabua Gramin 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 in more desirable conditions.
- 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 before finalizing 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 Narmada Jhabua Gramin Bank Personal Loan
✅ How to apply for Narmada Jhabua Gramin Bank Personal Loan?
Visit Narmada Jhabua Gramin Bank nearest branch and apply for a Personal loan or simply fill a form with Dialabank and get quick approval of your Personal loan.
✅ What is the Interest Rate for Narmada Jhabua Gramin Bank Personal Loan?
The interest rate charges for a personal loan from Narmada Jhabua Gramin Bank starts at 9.99%.
✅ What is the minimum age for getting a Personal Loan from Narmada Jhabua Gramin Bank?
You must be at least 21 years old to apply for a personal loan with Narmada Jhabua Gramin Bank.
✅ What is the maximum age for getting a Personal Loan from Narmada Jhabua Gramin Bank?
The maximum age for availing of a personal loan from Narmada Jhabua Gramin Bank is 58 years.
✅ What is the minimum loan amount for Narmada Jhabua Gramin Bank Personal Loan?
The minimum loan amount for a personal loan from Narmada Jhabua Gramin Bank is Rs. 40,000.
✅ What is the maximum loan amount for Narmada Jhabua Gramin Bank Personal Loan?
Narmada Jhabua Gramin Bank allows you to take a maximum loan amount of Rs. 40 lakhs under the personal loan scheme.
✅ What are the documents required for Narmada Jhabua Gramin Bank Personal Loan?
The documents are needed for a personal loan from Narmada Jhabua Gramin Bank are Aadhar card/Voter ID, PAN card, salary slips of the last 6 months, the ITR files of the last two years.
✅ What is the Processing Fee for Narmada Jhabua Gramin Bank Personal Loan?
Narmada Jhabua Gramin Bank takes a processing fee of up to 1% to 2% of the loan amount for the personal loan.
✅ How to get Narmada Jhabua Gramin Bank Personal Loan for Self Employed?
Narmada Jhabua Gramin Bank provides special offers for self-employed borrowers to help them economically. You should have the ITR files of the last three years as your income proof.
✅ What is the Maximum Loan Tenure for Narmada Jhabua Gramin Bank Personal Loan?
The maximum loan tenure for a personal loan from Narmada Jhabua Gramin Bank is 60 months.
✅ What should be the CIBIL Score for Narmada Jhabua Gramin Bank Personal Loan?
You should have a CIBIL score of at least 750 or above for availing of a personal loan from Narmada Jhabua Gramin Bank.
✅ Do I have a preapproved offer for Narmada Jhabua Gramin Bank Personal Loan?
You can examine your preapproved personal loan offers from Narmada Jhabua Gramin Bank through Dialabank. Just fill the form, and we will check out all the offers for you and get back to you to help you opt for the best one.
✅ How to calculate EMI for Narmada Jhabua Gramin Bank Personal Loan?
You can use the EMI calculator convenient at Dialabank’s website to calculate your personal loan EMIs from Narmada Jhabua Gramin Bank.
✅ How to pay Narmada Jhabua Gramin Bank Personal Loan EMI?
Your personal loan EMIs from Narmada Jhabua Gramin Bank are automatically take away from your bank account every month. You can also use the net-banking service of Narmada Jhabua Gramin Bank to pay for your personal loan.
✅ How to close Narmada Jhabua Gramin Bank Personal Loan?
You can close Narmada Jhabua Gramin Bank Personal Loan by paying the outstanding amount and collect the No dues certificate from the branch.
✅ How to check Narmada Jhabua Gramin Bank Personal Loan Status?
You will need the visit the Narmada Jhabua Gramin Bank branch to know about the status of your personal loan. Alternatively, you can visit Dialabank and fill a simple form to let us do the hard work for you.
✅ How to close Narmada Jhabua Gramin Bank Personal Loan Online?
The closing of a personal loan from Narmada Jhabua Gramin Bank involves the following steps:
- Visit the net-banking page of Narmada Jhabua Gramin Bank.
- Log in by filling in your details.
- Pay for your personal loan and save the transaction receipt.
✅ How to pay Narmada Jhabua Gramin Bank Personal Loan EMI Online?
Using the net banking of Narmada Jhabua Gramin Bank, you can pay your personal loan EMI. Dialabank allows you to choose the best. For getting a low-EMI personal loan, all have to fill a form with Dialabank.
✅ How to check Personal Loan Balance in Narmada Jhabua Gramin Bank?
You can check your personal loan balance by contacting the customer care number of Narmada Jhabua Gramin Bank. If you are in search to get low-interest personal loans, you must visit Dialabank and fill a simple form for Personal Loan Balance Transfer.
✅ How to download Narmada Jhabua Gramin Bank Personal Loan Statement?
You can use the Narmada Jhabua Gramin Bank’s mobile banking app for downloading your personal loan statement. Also, visit the online platform of Dialabank.
✅ How to Top Up Personal Loan in Narmada Jhabua Gramin Bank?
If you want a top-up on your personal loan from Narmada Jhabua Gramin Bank, you will have to visit the bank branch and contact the loan officer. You can also fill a simple form with Dialabank at Personal Loan Top Up and leave the rest to us
✅ What happens if I don’t pay my Narmada Jhabua Gramin Bank Personal Loan EMIs?
Narmada Jhabua Gramin Bank may charge you with a penalty interest if you are unable to pay your personal loan EMIs. You can apply for a balance transfer using Dialabank to get low-interest personal loans.
✅ How to find the Narmada Jhabua Gramin Bank Personal Loan account number?
You will need to contact your Narmada Jhabua Gramin Bank loan branch to know your personal loan account number. You may also fill the form available at Dialabank and allow us to do all the work for you.
✅ What is the Narmada Jhabua Gramin Bank Personal Loan closure procedure?
- Just go to the bank with the documents.
- Write a letter for pre-closure of Narmada Jhabua Gramin Bank Personal loan account.
- Pay the pre-closure charges as per Personal Loan.
✅ What are Narmada Jhabua Gramin Bank Personal Loan preclosure charges?
Narmada Jhabua Gramin Bank Personal Loan preclosure charges are Nil.
✅ What is the Narmada Jhabua Gramin Bank Personal Loan overdraft scheme?
For simplifying the process and providing you with a hassle-free service while processing an overdraft scheme at Narmada Jhabua Gramin Bank Personal Loan is provided, it gives you an online way to get your own overdraft, also known as Smartdraft – Overdraft Against Salary. You do not need to visit bank branches and go through a boring process. Just log in to the Narmada Jhabua Gramin Bank online banking portal and from there you can fill out a simple form and get an overdraft under your name.
✅ What is the Narmada Jhabua Gramin Bank Personal Loan maximum tenure?
Narmada Jhabua Gramin Bank Personal loan maximum tenure is 60 months.
✅ What is the Narmada Jhabua Gramin Bank Personal Loan minimum tenure?
Narmada Jhabua Gramin Bank Personal Loan minimum tenure is 12 months.
✅ What is the Narmada Jhabua Gramin Bank Personal Loan customer care number?
The customers get in touch with the bank via call on 9878981166.
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