Personal Loan Asansol

⋆ 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

        Personal Loan Asansol

        Major Personal Loan Providers in Asansol

        HDFC Bank
        Private Bank
        Bajaj Finance
        Interest Rate
        10.75% - 17%
        11.25% - 18.5%
        Min Loan Amt
        Metro : 75000 & Non Metro: 50000
        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
        Overdraft Facility

        Personal Loan Asansol Features

        Personal Loan Details
        Interest Rate
        10.75% to 24% p.a.
        Processing Fees 0.5-2.5%
        Loan Tenure
        1 year to 5 years
        Pre-closure Charges 2% - 5%
        Guarantor Requirement
        No guarantor required

        personal loan asansol

        Suppose you have any urgent money requirement, then Personal Loan Asansol is available for you to help you get your work done easily. This loan is unsecured in nature with many features such as:

        • Easy, faster, and smooth process with Minimal documentation and Less paperwork and approved within 48 hours after the verification process.

        It would help if you had a good credit score to apply for a personal loan.

        Personal Loan Asansol Interest Rates- Dec 10 2023

        Name of the Bank Interest Rate Range Processing Fee Range Loan Amount Tenure
        Private Bank 11.59% - 18.49% (Fixed) 2.25% (min. Rs.1149) One time fee Rs.20 lakh (Max) 1-5 Years
        CitiBank 10.99% - 15.99% (Fixed) 1% to 2.5% Rs.30 lakh (Max) 1-5 Years
        Kotak Mahindra Bank 10.99% to 24% p.a. Up to 2.5% of the loan amount along with GST or service tax Rs.50,000 to Rs.15 lakh 1 to 5 Years
        Fullerton India 11.99% to 23.99 p.a. Information not provided. Up to Rs.20 lakh for salaried and up to Rs.30 lakh for self-employed individuals 1 to 4 Years
        Bank of Baroda 11.35% - 14.35%Fixed Rs.1,000 to Rs.10,000 (One time fee) Rs.20,000 - Rs.2 lakh 4 Years (Max)
        State Bank of India 12.90% - 14.90% (Fixed) 1% (One time fee) Rs.24,000 - 15 lakh 5 Years
        Aditya Birla 11.5% - 13.25% (Fixed) Nil Rs.30 lakh (Max) 1-5 Years
        Allahabad Bank Information not provided 1.06% of loan amount Information not provided. 1 to 5 Years
        Yes Bank 14% p.a. Up to 2% (One-time fee) Rs.2 lakh to Rs.20 lakh 1 to 5 Years
        Corporation Bank 12.75% to 13.75% p.a. Up to 1.5% Minimum amount of Rs.500 Up to Rs.3.50 lakh Up to 5 Years

        Get low-interest rates


        Interest Rate 9.99%


        Personal Loan Asansol Fees & Charges – Dec 10 2023

        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
        Private 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 0.01 Nil
        Andhra Bank Personal Loan Nil Nil

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

        Documents Required for Personal Loan in Asansol

        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)
        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
        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)
        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
        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
        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
        Passport size photographs


        Know More About: Personal Loan Eligibility Criteria


        Interest Rate 9.99%


        Eligibility Criteria for Personal Loan Asansol

        Personal loan Eligibility criteria are different for both the salaried and self-employed employers for Personal Loan Asansol:

        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

        Click here to know more about - Salaried Applicant
        Click here to know more about - Self-employed Applicant

        *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


        Interest Rate 9.99%


        Salaried Applicants

        1. The minimum age requirements of the applicant should be 21 years and a maximum of 60 years.
        2. The applicants must have a good credit history and INR 25,000 per month with the job location mentioned and 3 years of job experience.

        Click here to know more about everything about personal loans for Salaried applicants.

        Self-Employed Applicants

        1. A minimum of 25 years. Years old with an annual income of min. Rs 2.5 lakh and a good credit score with no dues left can apply by submitting the financial and bank statement of the previous 3 months.
        2. The applicants applying for the loan need to file an Income Tax report for the last three years before applying for the loan.
        3. The business should be running for the past three years if the individual is a businessman.

        Click here to know better about a personal loan for a self-employed Applicant.

        Why Apply for Personal Loan Asansol?

        1. You do not need to deposit mortgage or collateral security to the bank, and getting a Personal Loan does not require any guarantor or nominee.
        2. A personal loan is a multi-purpose offer loan used for all the problems related to your financial needs. The amount of personal loans sanctioned depends upon the individual capacity to repay.

        How to apply for Personal Loan Asansol?

        1. Visit our Dialabank‘s website on mobile or PC
        2. Go to the loan section in it, click on the personal loan link on the website, and get to all details of the personal loan.
        3. Choose your preferred personal loan city and submit all the details.
        4. For more information and free guidance, you may call on 9878981166 at any time.


        Interest Rate 9.99%


        Processing Fee / Prepayment Charges on Personal Loan Asansol

        Every Bank and NBFC charges a fee of 1% of the loan amount for processing the application of personal loans.

        If you foreclose your loan before the agreed-upon loan tenure, every bank charges you a penal prepayment fee for this. In most cases, you should not and cannot close your loan before 12 months. After that, the charges depend on how many years the loan has gone through. These charges vary from 4% of the outstanding personal loan in the 2nd year to 2% in the 4th year of the loan taken.

        Personal Loan Asansol EMI Calculator

        You can use a personal loan EMI calculator to calculate EMIs. Equated Monthly Installments, also know as EMI, are the fixed charges paid monthly for the loan repayment. The interest rate on your loan is also determined based on your profile. EMI is calculated based on the personal loan Interest Rate you are charged by the institution you applied to, the amount of loan you want to take, and the period for which you avail the loan.

        CIBIL Score required for Personal Loan Asansol

        Each lending institution has its own criteria for the minimum CIBIL score. Still, most of them require a score of 750 to process your loan application further. and not just that they also look at the overall score but also at the individual behaviour on the previous loans taken as credit history, which includes details on the type and amount of loan taken. In addition, any kind of delayed payment can act as a barrier to getting the loan.


        Interest Rate 9.99%


        Personal Loan Asansol Agents

        Dialabank is the top agent for availing Personal Loan in Asansol.

        Apply online at or give a call at 9878981166.

        Dialabank helps you find a better option for Banks and NBFCs, and other lending institutions by providing you with a more detailed market comparison of lending institutions so that you can make the right choice yourself. Visit the website and fill a straightforward form with your personal and employment details, and our relationship managers will soon get in touch with you as soon as you fill the form.

        Personal Loan Asansol Contact Number

        Call 9878981166 quickly and get instant help and approval for a Personal Loan in Asansol.

        Pre Calculated EMI Table for Personal Loan Asansol

        5 Yrs
        4 Yrs
        3 Yrs

        About Asansol

        Asansol is a city located in the state of West Bengal. It is the second-largest and the most populated city of West Bengal and the 39th largest urban agglomeration in India. Asansol is the district headquarters of Paschim Bardhaman district in West Bengal.

        FAQs About Personal Loan Asansol

        Who can apply for a Personal Loan in Asansol?

        People who have a regular source of income (from employment or business) with no debt or dues left can apply for a Personal Loan in Asansol.

        What is the tenure of a Personal Loan in Asansol?

        Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years and only extended to a max. Period of 7 Years on some conditions, usually fixed before using the loan.

        Are there any other charges involved in Personal Loan Asansol?

        Yes, there are 2 types of charges to avail a personal loan in Asansol

        Processing Fee: For every lending institution that you borrow from, there is a minimal fee that they charge from the user as a processing fee, and the amount of fee varies and is 1% of the loan amount.

        Pre-closure Charges: Whenever you want to close a running loan before its agreed tenure period, the Banks and NBFCs charge pre-closure charges on the borrowed loan, which is different for each bank depending on how many years it has your loan completed before you decide to pre-close it.

        Can my application for Personal Loan Asansol get rejected due to my CIBIL score?

        A Personal Loan is an unsecured loan and having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan. Make sure you don’t skip loan EMI payments or credit card payments to maintain your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.

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