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

      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 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- Jun 25 2022

      Name of the Bank Interest Rate Range Processing Fee Range Loan Amount Tenure
      ICICI 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

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Personal Loan Asansol Fees & Charges – Jun 25 2022

      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 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)
      Passport
      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
      Photograph
      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)
      Passport
      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
      Photograph
      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
      Passport
      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
      Photographs
      Passport size photographs

       

      Know More About: Personal Loan Eligibility Criteria

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      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
      ICICI 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

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      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.

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      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.

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Personal Loan Asansol Agents

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

      Apply online at www.dialabank.com 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 www.dialabank.com 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

      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 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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