Personal Loan Aizawl

⋆ 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

Best Banks for Personal Loan in Aizawl

Feature
HDFC Bank
ICICI Bank
Bajaj Finance
Interest Rate
10.75% - 17%
11.25% - 18.5%
12%
Min Loan Amt
Metro : 75000 & Non Metro: 50000
50000
100000
Max Loan Amt
50 Lacs
50 Lacs
1 Cr
Loan Tenure
1 - 5 Years
1 - 5 Years
1 - 5 Years
Processing Fee
0.25% - 2% of the Loan Amt

1% - 2.5% of the Loan Amt

0.5% - 2% of the Loan Amt
Preclosure Charges
2%, Nil foreclosure charges after 12 months
2%, Nil foreclosure charges after 24 months
Nil
Overdraft Facility
No
No
Yes

Personal Loan in Aizawl Features

Personal loan Aizawl

A sudden need for money can arise at any time, and it is a Personal Loan that can help a person to acquire capital to meet an emergency. Personal Loan Aizawl is tailored for people who do not possess any asset to pledge as security. Personal Loan Aizawl is a convenient scheme for people who do not want to risk their valuable assets.

Personal Loan falls under the genre of unsecured loan. A personal loan provides financial aid to customers at better interest rates. To avail a Personal Loan, the applicant needs to have a regular and stable income and also a good loan history.

Also, there is no restriction on the use of the amount of personal loan. Users can use this loan amount anywhere for any purpose you wish to.

Personal Loan in Aizawl Interest Rates and Charges

Bank
Processing Fee
Prepayment Charges
HDFC Bank Personal Loan
0.25% to 1.50%
2%, Nil foreclosure charges after 3 months
Axis Bank Personal Loan
0.50% to 1.50%
Nil
ICICI Bank Personal Loan
0.25% to 1.50%
2%, Nil foreclosure charges after 9 months
SBI Personal Loan
500/- to 0.50%
Nil
Kotak Personal Loan
1% to 2%
2.25% of fore closure amount if closed 1 month ahead of the tenure.
IIFL Personal Loan
Nil
Nil
Muthoot Personal Loan
Nil
Nil
Manappauram Personal Loan
Nil
Nil
PNB Personal Loan
0.70% to 1%
Nil
Canara Bank Personal Loan
1%
Nil
Andhra Bank Personal Loan
Nil
Nil

To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates

Personal Loan in Aizawl Documents Required

With the correct documents, users can easily avail instant Personal loan with DialaBank. The essential documents for salaried customers are as follows:

Salaried Customers:

  1. Identity proof (Aadhar card/driving license)
  2. Salary slips of last three months
  3. Bank statements for the past six months.
  4. PAN Card Copy.
  5. Address Proof Any(Owned/Rented/Company)
  6. Two Passport-sized photos.

*NOTE: Rent agreement needs to be attached, in case of rented apartments

The documents for self-employed customers may vary marginally. Important documents are:

Self-Employed Customers:

  1. All financials required are (Balance Sheet, P&L Statement as well as ITR files)
  2. PAN Card
  3. Aadhar Card
  4. Residence Proof
  5. Two passport-sized photographs

personal loan at 10.75%*

Personal Loan in Aizawl Eligibility Criteria

The criteria for personal loan eligibility for both Salaried and Self-Employed are different as:

Salaried Applicants

  1. Minimum Salary: Rs 18,000 (Per Month).
  2. Age: 21 and 60 Years.
  3. Work Experience: Overall, three years and 1-year experience in the current job.
  4. CIBIL Score must be more than 700.
  5. A person who gets his/her salary in cash is not eligible for availing a loan.

Self-Employed Applicants

  1. Minimum and Maximum Age: 25 and 65 years.
  2. Should have filed for an annual ITR of 2.5 to 3 lakh.
  3. Residence: Should be owning an Office or Home.
  4. Business Stability: Your business should be operating for the last three years.
  5. CIBIL Score should be more than 700.
  6. The minimum age requirement for an independent person should be 25 years.

Why Apply for Personal Loan Aizawl?

  1. There is no need to provide a cosigner to avail this loan.
  2. The loan is solely based upon the candidate’s income and repayment capability.
  3. It is a safe and straightforward loan scheme for raising funds in times of need.
  4. There is no need to put a precious asset as security to the lender.

How to apply for Personal Loan Aizawl?

Anybody can apply quickly for Personal Loan online within 2 minutes. The process of application is straightforward and fast.
  1. Visit Dialabank.
  2. After that, apply for a Personal Loan online.
  3. Please enter your contact number so that we can contact you back.
  4. Dialabank is one of the best platforms to apply for a personal loan as we provide you with all kinds of loans at a very affordable rate of interest.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Aizawl

Every Bank and NBFC charges a fee for processing your Personal Loan application. The Personal Loan Aizawl processing fee is 1% of the sanctioned loan amount.

In case you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. Post that the charges vary depending on how many years the loan has done. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.

Personal Loan Aizawl EMI Calculator

Equated Monthly Installments also know as EMI are the monthly fixed charges that you pay to the bank as monthly repayment for the loan amount borrowed.  Based on your profile, the interest rate on your loan is determined.

You can easily calculate your EMI amount on your loan using a Personal loan EMI Calculator on our website Dialabank.

CIBIL Score required for Personal Loan Aizawl

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application Aizawl.

  1. Most institutions require a minimum score of 750 to process your loan application.
  2. The institutions don’t just look at the overall score but also the detailed behaviour on the previous loans taken. This includes details on the type of loan taken and the amount borrowed.
  3. Any delayed payments for previous loans can act as a barrier to your availing a fresh loan.

personal loan at 10.75%*

Personal Loan Aizawl Agent and Contact Number

Dialabank is the leading agent for availing Personal Loan Aizawl. Dialabank helps you to find the best option of Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice.

Visit our website and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you. You can apply online at Dialabank or give a call at 9878981166.

Pre Calculated EMI Table for Personal Loan Aizawl

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

About Aizawl

Aizawal is the capital state of Mizoram in India. It is the largest city within the state. It is also a centre of all principal government offices, state assembly house, and civil secretariat. The population of Aizwal strongly reflects the different communities of ethnic Mizo people. It had a population of 228,280. Government services sustain Aizwal as it is the capital of Mizoram.

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