Personal Loan Aurangabad

⋆ Interest Rate 9.99% ⋆

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      Table of Contents

      Personal Loan Aurangabad

      Best Banks for Personal Loan in Aurangabad

      Feature HDFC Bank ICICI Bank Bajaj Finance
      Interest Rate 10.75% - 17% 11.25% - 18.5% 0.12
      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 Aurangabad Features

      Personal Loan AurangabadThere are some days when we get into some kind of financial problem and are not able to meet our financial needs. A personal loan is a loan that helps us to solve these kinds of financial issues.

      A personal loan lets the buyer use the money as per their choice. The borrower does not need to keep anything in the bank as collateral.

      Personal Loan Aurangabad is an unsecured loan that provides financial aid to the customers at affordable interest rates. To avail a Personal Loan from Aurangabad, the applicant requires to have a rigid and good source of income and has a good credit history.

      Furthermore, there is no end-use limitation on the use of the personal loan amount. You can use the loan amount anywhere you want to do.

      Personal Loan in Aurangabad Interest Rates

      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 Aurangabad

      Salaried Customers:

      1. ID Proof such as Aadhaar card/driving license, etc
      2. Salary slips of last three months
      3. 2 recent passport-sized photographs
      4. PAN Card
      5. Bank statements for the last 6 months
      6. Residence Proof (Owned/Rented/Company provided)

      *NOTE: In case of rental apartments, rent agreement needs to be attached.

      Self-Employed Customers:

      1. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
      2. PAN Card
      3. Two passport-sized photographs
      4. Proof of Identity such as Aadhaar Card/ Passport copy/ Driving License, etc.
      5. If the individual is a businessman, then the business must be running from the past three years.
      6. Residence Proof such as Telephone bill/ Electricity Bill, Rental Agreement, etc.

      personal loan at 10.75%*

      Personal Loan in Aurangabad Eligibility Criteria

      The personal loan eligibility criteria for Salaried and Self-Employed are different for availing a personal loan from Aurangabad in the following ways:

      Salaried Applicants

      1. The applicants must have the work experience of the three years.
      2. The income should be received in their bank accounts only.
      3. The applicants must have a good CIBIL Score
      4. The age of the borrower should be minimum 21 years and can extend up to 60 years
      5. The applicant’s job location should be mentioned.

      Self-Employed Applicants

      1. The minimum age of the individual should be 25 years
      2. The candidates applying for the personal loan must have the ITR files for the last three years.
      3. For a businessman, the business must be running from the past three years.
      4. The credit score of the applicants has to be good.
      5. No, there is no debt or dues left.
      6. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
      7. The whole documentation processing of the personal loan required to submit the applier’s financial and bank statement of the previous three months.

      Click here to know more about personal loan Auranagabad eligibility criteria: Personal Loan Eligibility

      Why Apply for Personal Loan in Aurangabad?

      1. No mortgage or security deposit is required.
      2. The amount of personal loan depends upon the individual income/salary and repayment capability
      3. A personal loan is a multi-purpose offer loan. It can be used for all the troubles related to finance.
      4. No guarantor or nominee is required.

      How to apply for Personal Loan in Aurangabad?

      1. Visit www.dialabank.com.
      2. Visit the loan section and click on the personal loan link.
      3. The applicant will be addressed to all details of the personal loan where they can choose their preferred city.
      4. Our executives will then check for eligibility and assist you accordingly
      5. For more info and free guidance, you may call on 9878981166.

      personal loan at 10.75%*

      Processing Fees / Prepayment Charges on Personal Loan in Aurangabad

      The charges of prepayment is 1% of the sanctioned loan amount depending upon the bank or NBFC.

      You cannot close your loan tenure before 12 months. However, if you do so, banks charge an amount called a prepayment charge which is applicable depending upon several parameters. After the 12 months, the charges may vary on the loan tenure period. These may vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.

      Personal Loan EMI Calculator Aurangabad

      You can use personal loan EMI calculator to calculate EMIs. Equated Monthly Installments also know as EMI are a fixed amount of charge that has to be paid to the bank monthly as repayment of the loan. Based on your depiction, the interest rate on your personal loan is determined. Your personal loan EMI is calculated on the basis of  personal loan Interest Rate charged by the bank and the amount of loan you have to take and the period.

      CIBIL Score required for Personal Loan Aurangabad

      Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Aurangabad. There is a requirement of a minimum score of 750 to process your loan application.

      The foundations look after the overall score and also the detailed behavior on the previous loans taken. This includes details on the type of loan that you have taken and the amount borrowed. Your previous record issues may serve as a barrier to applying for fresh loans.

      personal loan at 10.75%*

      Personal Loan Aurangabad Agents/Broker

      Dialabank is the leading agent for availing Personal Loan in Aurangabad. Apply online at www.dialabank.com or dial 9878981166

      Personal Loan Aurangabad Contact Number

      Call 9878981166 and get instant help and approval for Personal Loan in Aurangabad.

      Pre Calculated EMI Table for Personal Loan Aurangabad

      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 Aurangabad

      Aurangabad is a city in the state of Maharashtra and holds historical significance. There are various historical monuments and places which have been listed under UNESCO heritage sites.  Major cotton textile and cotton fabric production centers are present in the city.