North East Small Finance Bank Personal Loan

⋆ Interest Rate 9.99% ⋆

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      Why us?

      Rates as low as 9.99%*
      Loans Up to 30 Lacs
      Same Day Disbursal
      Doorstep Service
      Unbiased Experts Advice

      North East Small Finance Bank Personal Loan Key Features – Jan 2021

      Eligibility Criteria Details
      Age 21-58 yrs(at loan maturity)
      CIBIL Score 750
      North East Small Finance Bank Personal Loan Interest Rate 9.99% p.a.
      Lowest EMI per lakh NIL
      Tenure 12 to 60 months
      North East Small Finance Bank Personal Loan Processing Fee 1%-2%
      Prepayment Charges NIL
      Part Payment Charges NIL
      Minimum Loan Amount Rs. 1 lakh
      Maximum Loan Amount Rs. 20 lakh

      Each Feature Explained in Detail Below


      North East Small Finance Bank Personal Loan Eligibility Criteria

      Eligibility criteria for a personal loan:

      CIBIL score criteria 750 and above
      Age criteria 21-58 yrs (at loan maturity)
      Min Income criteria Rs.20,000 per month
      Occupation criteria Salaried/Self-Employed

      North East Small Finance Bank Personal Loan Interest Rate and Charges

      North East Small Finance Bank Personal Loan Interest Rate 9.99% p.a.
      North East Small Finance Bank Personal Loan Processing Charges 1%-2%
      Prepayment Charges NIL
      Stamp Duty NIL
      Cheque Bounce Charges NIL
      Penal Interest NIL
      Floating Rate of Interest NIL

      North East Small Finance Bank Personal Loan Documents Required

      Form Duly filled application form
      Proof of Identity Copy of:
      > Passport
      > Driving License
      > Aadhar Card
      > Voter ID Card
      Proof of Address Rent Agreement (Min. 1 year of stay)
      Utility Bills
      Passport (Proof of permanent residence)
      Ration card
      Proof of Income > ITR: Last two Assessment years
      > Salary Slip: Last 6 months
      > Bank Statement: Last 3 months

      North East Small Finance Bank Personal Loan EMI Calculator

      EMI calculator.

      North East Small Finance Bank Personal Loan Compared to Other Banks

      Particulars North East Small Finance Bank HDFC Bank Bajaj Finserv Axis Bank Citibank ICICI Bank
      Interest Rate 9.99% 11.25% to 21.50% Starting from 12.99% 15.75% to 24% Starting from 10.99% 11.50% to 19.25%
      Tenure 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months
      Loan amount Up to Rs. 1 Crore Up to Rs. 40 lakh Up to Rs. 25 lakh Rs. 50,000 to Rs. 15 lakh Up to Rs. 30 lakh Upto Rs. 20 lakh
      Processing Fee 1%2% of the loan amount Up to 2.50% of the loan amount Up to 3.99% of the loan amount Up to 2% of the loan amount Up to 3% of the loan amount Up to 2.25% of the loan amount

      Other Loan Products from North East Small Finance Bank

      North East Small Finance Bank Gold Loan North East Small Finance Bank Car Loan North East Small Finance Bank Home Loan North East Small Finance Bank Business Loan
      North East Small Finance Bank TWL North East Small Finance Bank LAP North East Small Finance Bank Credit Card North East Small Finance Bank Education Loan

      Why should you apply for North East Small Finance Bank Personal Loan with Dialabank?

      Dialabank is India’s first financial helpline number. It has the most trusted agents all over the country. Dialabank provides the best services. If you apply for North East Small Finance Bank Personal Loan, your loan application approves faster. Dialabank has trained instructors who will serve you in the whole processing of your personal loan.

      How to Calculate EMIs for North East Small Finance Bank Personal Loan

      For the calculation of your North East Small Finance Bank Personal Loan EMI, the following information is required:

      1. Amount of the Loan
      2. Loan Tenure
      3. Interest Rate

      Put these values in the calculator below and find your monthly EMIs

      EMI Calculator.

      North East Small Finance Bank Personal Loan Processing Time

      North East Small Finance Bank Personal Loan Processing Time is the time taken by the bank for the process of your personal loan application.

      North East Small Finance Bank Personal Loan Preclosure charges

      North East Small Finance Bank Personal Loan Preclosure refers to the repayment of your loan amount before the loan tenure. Preclosure helps in lowering your rate of interest. Preclosure also reduces the burden on you.

      Pre Calculated EMI for Personal Loan

      Rate 5 Yrs 4 Yrs 3 Yrs
      10.50% 2149 2560 3250
      11.00% 2174 2584 3273
      11.50% 2199 2608 3297
      12.00% 2224 2633 3321
      12.50% 2249 2658 3345
      13.00% 2275 2682 3369
      13.50% 2300 2707 3393
      14.00% 2326 2732 3417
      14.50% 2352 2757 3442
      15.00% 2378 2783 3466

      Different Personal Loan offers by North East Small Finance Bank

      North East Small Finance Bank Home Loan      north east small finance bank personal loan

      • North East Small Finance Bank provides a personal loan for a home.
      • Provides loans for construction and renovation of the homes.

      North East Small Finance Bank Personal Loan for Government Employees

      • North East Small Finance Bank offers a personal loan for the Government Employees.
      • The loan amount for Government Employees is dependent on the name and fame of the company.

      North East Small Finance Bank Education Loan

      • North East Small Finance Bank offers a personal loan for education.
      • Provides education loan for studies in India as well as Abroad.

      North East Small Finance Bank Personal Loan for Car

      • North East Small Finance Bank provides a car loan.
      • Proffers loan for the new car as well as for the used car.

      North East Small Finance Bank Personal Loan Balance Transfer

      North East Small Finance Bank’s Personal Loan Balance Transfer is the loan amount transfer from one foundation to another foundation. It is beneficial for you to transfer your balance. It will lower the interest rate.

      North East Small Finance Bank Personal Loan Top Up

      North East Small Finance Bank’s Personal Loan Top Up is the secondary amount add up by the finance company to your existing loan amount. You can get a top-up loan after paying the 12 EMIs without any hindrance.

      North East Small Finance Bank Personal Loan Status

      North East Small Finance Bank’s Personal Loan Status can be checked by visiting the bank’s website. The website has given details in an organized manner.

      Types of North East Small Finance Bank Personal Loan

      Home renovation loan

      North East Small Finance 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 North East Small Finance Bank Home Renovation Loan’s major features are:

      • The Home Renovation Loan of North East Small Finance 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.
      • North East Small Finance 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 North East Small Finance Bank will help you budget for your dream vacation with limited difficulties. A number of holiday-related expenses will be funded by this personal loan from North East Small Finance Bank, including the booking of flight fares, hotel accommodation, guided tours, etc. The North East Small Finance 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 North East Small Finance Bank is distinct. The loan option provided by North East Small Finance Bank is intended to help refreshers, i.e. recent graduates searching for their first job. Few of North East Small Finance 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, North East Small Finance 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:

      • North East Small Finance 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 North East Small Finance Bank Personal Loan?

      North East Small Finance Bank Personal Loan

      You can avail a personal loan by following the given steps below:

      1. Visit Dialabank and fill the application form.
      2. You will get a call from the bank.
      3. Our representative will guide you through the entire procedure and tell you the details of the loan.

      North East Small Finance Bank Personal Loan Status

      You can check the status of your North East Small Finance Bank Personal Loan by the following methods – 

      • You can also hit your credit office and request the manager for the equivalent.
      • Log In to the North East Small Finance Bank Netbanking Portal, Click on loans from the top ribbon, and click on Enquire to check your investment status. 
      • Search for ‘personal loan status’ on Google, open the first link which will take you to the Loan Status Tracker web page of North East Small Finance Bank, and fill in the required information to check your loan status.

      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 on the basis of the internal criteria of the lender, as well as other parameters.

      Check your North East Small Finance Bank Personal Loan application Status

      The process for checking your application’s status requires the following steps:

      • Visit the official website of North East Small Finance 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 North East Small Finance Bank portal

      • Visit the Official Website of North East Small Finance 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.

      North East Small Finance 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. North East Small Finance Bank announced an RBI-mandated one-time gain from the North East Small Finance 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.

      In order to minimize the monthly EMI payments, the loan settlement scheme implemented by North East Small Finance 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.

      North East Small Finance Bank Customer Care

      Customers can approach North East Small Finance Bank’s Customer Support via any of the following means:

      By phone: You can call North East Small Finance Bank on 1800 425 10000 (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 North East Small Finance 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:  com 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 DialaBank.com, 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.com, you are not required to incur any fees.

      Important Aspects

      Below are some important items you need to note when applying to North East Small Finance 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 on conditions that are more desirable.
      • 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.com 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 North East Small Finance Bank Personal Loan

      ✅ How to apply for North East Small Finance Bank Personal Loan?

      There are two methods to implement for a personal loan from North East Small Finance Bank. You can visit your nearby North East Small Finance Bank branch or submit a form with Dialabank. With Dialabank, you can get comfort to apply from anywhere.

      ✅ What is the Interest Rate for North East Small Finance Bank Personal Loan?

      The interest rate for the North East Small Finance Bank’s Personal Loan is 9.99% p.a.

      ✅ What is the minimum age for getting a Personal Loan from North East Small Finance Bank?

      The minimum age for getting a Personal Loan from the North East Small Finance Bank is 21 years.

      ✅ What is the maximum age for getting a Personal Loan from North East Small Finance Bank?

      The maximum age for getting a Personal Loan from North East Small Finance Bank is 58 years.

      ✅ What is the minimum loan amount for North East Small Finance Bank Personal Loan?

      You can avail a minimum loan amount for your personal loan from the North East Small Finance Bank Personal Loan is Rs. 1 lakh.

      ✅ What is the maximum loan amount for North East Small Finance Bank Personal Loan?

      The maximum loan amount to avail a personal loan for the North East Small Finance Bank is Rs. 1Crore.

      ✅ What are the documents required for North East Small Finance Bank Personal Loan?

      The documents required for your personal loan for the North East Small Finance Bank are Aadhaar card, driving license, voter ID card, salary certificate and form number 16, bank statements of the last 6 months, ITR file of the last 2 financial years.

      ✅ What is the Processing Fee for North East Small Finance Bank Personal Loan?

      The processing fee charged by North East Small Finance Bank is 1%-2% for your loan amount.

      ✅ How to get North East Small Finance Bank Personal Loan for Self Employed?

      There is an availability of special personal loan offers for Self Employed in North East Small Finance Bank. You must have your ITR files of the last two assessment years.

      ✅ What is the Maximum Loan Tenure for North East Small Finance Bank Personal Loan?

      The maximum loan tenure duration to avail a personal loan from the North East Small Finance Bank is 60 months or 5 years.

      ✅ What should be the CIBIL Score for North East Small Finance Bank Personal Loan?

      The CIBIL score for getting a personal loan from North East Small Finance Bank Personal Loan is 750 and above.

      ✅ Do I have a preapproved offer for North East Small Finance Bank Personal Loan?

      Through Dialabank, you can check your personal loan pre-approved offers from North East Small Finance Bank.

      ✅ How to calculate EMI for North East Small Finance Bank Personal Loan?

      To calculate your personal loan EMI for North East Small Finance Bank, you can use the EMI calculator accessible at Dialabank’s website.

      ✅ How to pay North East Small Finance Bank Personal Loan EMI?

      Your personal loan EMIs for North East Small Finance Bank automatically deduct from your bank account. Also, use the net-banking facility for paying your personal loan.

      ✅ How to close North East Small Finance Bank Personal Loan?

      If you close the loan, you must have paid your outstanding loan amount and contact the bank for no dues certificate.

      ✅ How to check North East Small Finance Bank Personal Loan Status?

      You can visit the North East Small Finance Bank branch to check your personal loan status. On the other hand, you also visit Dialabank and fill the form to allow us to do the best work for you.

      ✅ How to close North East Small Finance Bank Personal Loan Online?

      The instructions will be followed by you to close your loan from North East Small Finance Bank are:

      • Visit the net-banking page of North East Small Finance Bank.
      • Login by filling your details.
      • Pay your personal loan.
      • Save the transaction receipt.

      ✅ How to pay North East Small Finance Bank Personal Loan EMI Online?

      You can use the net-banking services for paying your personal loan EMIs for North East Small Finance Bank. Dialabank provides you with the best options by comparing different banks offers for a low-EMI personal loan. All you have to do is to fill a form and rest will do by us.

      ✅ How to check Personal Loan Balance in North East Small Finance Bank?

      For checking your personal loan balance from North East Small Finance Bank, you will contact the customer care number of North East Small Finance Bank. If you look for low-interest personal loans, you must visit Dialabank and fill a simple form for Personal Loan Balance Transfer.

      ✅ How to download North East Small Finance Bank Personal Loan Statement?

      For downloading the personal loan statement of North East Small Finance Bank, using the North East Small Finance Bank mobile banking app. You can visit the online portal of Dialabank and fill a simple form.

      ✅ How to Top Up Personal Loan in North East Small Finance Bank?

      If you want a top-up for your personal loan, You will visit the North East Small Finance Bank branch and contact with the loan officer. Also, fill a form with Dialabank at Personal Loan Top Up.

      ✅ What happens if I don’t pay my North East Small Finance Bank Personal Loan EMIs?

      If you don’t pay your personal loan EMIs, then North East Small Finance Bank will charge a penal interest. You can apply for a balance transfer using Dialabank to get low-interest personal loans.

      ✅ How to find the North East Small Finance Bank Personal Loan account number?

      You have to contact your North East Small Finance Bank and ask for your personal loan account number. You also fill a simple form which is available at Dialabank.

      ✅ What is the North East Small Finance Bank personal loan closure procedure?

      Visit the bank with the complete set of documents (as mentioned above). You may be required to fill a form or write a letter requesting pre-closure of the Personal Loan account. Pay the pre-closure amount. Sign the required documents, if any. Take acknowledgment of the balance amount you have paid.

      ✅ What is North East Small Finance Bank personal loan maximum tenure? 

      The maximum tenure of the North East Small Finance Bank personal loan is 60 months.

      ✅ What is North East Small Finance Bank personal loan minimum tenure? 

      The minimum tenure of the North East Small Finance Bank personal loan is 12 months.

      ✅ What is the North East Small Finance Bank personal loan customer care number?

      The customer care number of North East Small Finance Bank personal loan is 9878981166.

      ✅ What are the North East Small Finance Bank Personal Loan pre-closure charges?

      North East Small Finance Bank gives you the option of pre-closing your loan after a period of a minimum of 12 months of taking the loan and paying 12 successful EMIs on your mortgage. However, North East Small Finance Bank charges a Prepayment or Pre-closure charge. Refer to the table mentioned above.

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