Personal Loan Baddi

⋆ 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

      Major Personal Loan Providers in Baddi

      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 Baddi FeaturesPersonal Loan Baddi

      Are you running out of cash? You need not worry. A personal loan is very much available for you. This loan is not only of an unsecured nature with the least required documentation and even lesser paperwork. This loan may take up to 48 hours to get approved following the process of verification.

      Personal Loan Baddi is a loan that gives financial assistance to customers at affordable and cost-effective interest rates. To get a Personal Loan, the applicant is required to have a strong and reliable source of income and also good credit history.

      Moreover, there is no such end-use restriction on the use of the personal loan amount. You can use this loan amount in whatever way you wish to.

      Personal Loan Baddi 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
      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

      Documents for Personal Loan Baddi

      Salaried Customers:

      1.  ID proof (Aadhar card/driving license)
      2. Slips for salary for the past three months
      3. Statement of Bank for the last 6 months
      4. PAN Card
      5. Proof of Residence (Own/Rent/Company provided)
      6. Two Passport-size photograph

      *NOTE: In case of rented apartments, rent agreement is needed to be attached.

      Self-Employed Customers:

      1. All financial statements are needed (Balance Sheet, P&L Statement as well as ITR files)
      2. PAN Card
      3. Aadhar
      4. Proof of residence
      5. Two passport-sized photographs

      personal loan at 10.75%*

      Eligibility Criteria for Personal Loan Baddi

      Salaried Applicants

      1. The minimum age of the applicant should not be less than 21 years or more than 60 years.
      2. The applicant must have work experience of at least three years. The salary should have been transferred in their accounts only.
      3. The applicant should have an excellent credit history.
      4. The location of the applicant’s job should be stated.
      5. The borrower must have a minimum income of INR 25,000 p.m.Self-Employed Applicants
      1. The age of an independent person should be at least 25 years.
      2. The applicant applying for the personal loan should have been filing ITR for the past three years.
      3. If the applicant is a businessman, then the business is required to be efficiently running from the last 3 years.
      4. The credit score of the applicant should be good, and there must not be any debt or dues pending.
      5. The yearly income of the applicant should be a minimum of Rs 2.5 lakh.
      6. The whole document verification process of the personal loan requires the applicants to submit his financial and his bank statement of the previous three months.

      Why Apply for Personal Loan Baddi?

      1. There is no requirement of depositing any mortgage or collateral as a security to the bank.
      2. A personal loan is a multidimensional loan; thus, it can be put to use for all the issues related to money.
      3. The amount of personal loans is solely based on the repayment capacity of the individual.
      4. A Personal Loan does not need any nominee or guarantor.

      How to apply for Personal Loan Baddi?

      1. Visit this website: Dialabank
      2. Then, navigate to the loan section and go to the personal loan link.
      3. You will be directed to the detailed information of the personal loan where you can pick your city.
      4. For further information and free guidance, feel free to call on 9878981166.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Baddi

      All Banks and NBFCs charge a certain fee for processing a Personal Loan application. The personal loan Baddi processing fee is 1% of the loan amount.

      If you wish to foreclose your loan before the decided loan tenure, all lending institutions ought to charge you a penalty as a prepayment fee. Mostly, you are not allowed to close your loan before 12 months. After that, the charges differ based on how many years the loan has completed. This charge varies from 4% of the remaining loan amount in the 2nd year to 2% in the 4th year of the loan.

      Personal Loan Baddi EMI Calculator

      Equated Monthly Installments or EMI is a monthly fixed charge that you are required to pay to the bank as monthly repayment for the loan amount which is borrowed. Depending on your profile, the rate of interest on your loan is set. The EMI on your loan is calculated based on the Interest Rate bank charges you with and the loan amount you have to take and the period for which you take the loan.

      CIBIL Score required for Personal Loan Baddi

      All the lending institutions have their own criteria for a minimal CIBIL score that is needed to process a Personal Loan application in Baddi. Mostly, the institutions need a minimum score of at least 750 to process an application further.

      No institution only looks at the overall score. They also look at an elaborated view of the previous loans. The details include the type of loans and the amount of money that was borrowed. If there exists any delay in the payments of the previous loans, it may hinder the approval of the present loan.

      personal loan at 10.75%*

      Personal Loan Baddi Agents

      Dialabank is one of the leading agents for availing Personal Loan in Baddi. You can easily apply online at Dialabank or give a call at 9878981166

      Dialabank assists you to look for the best option of Banks and NBFCs by giving you access to an in-detail market comparative analysis of various banks to help you pick the right one. Visit our website Dialabank and fill out a simple form with the details of personal and employment data. Our customer relationship managers will be in touch with you shortly.

      Personal Loan Baddi Contact Number

      Call 9878981166 and get timely assistance and approval for Personal Loan in Baddi.

      Pre Calculated EMI Table for Personal Loan Baddi

      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 Baddi

      Baddi is an industrial town and Nagar Parishad in the southwestern Solan district of Himachal Pradesh, India. The town lies on the border of Himachal Pradesh, and Haryana states in the Shivalik Hills, around 35 kilometres west of Solan town

      FAQs About Personal Loan Baddi

      Who can apply for a Personal Loan in Baddi?

      People who have an urgent need for cash and have a regular source of income (from employment or business) can apply for a Personal Loan in Baddi.

      What is the tenure of Personal Loan in Baddi?

      Most of the Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. There are some Banks which extend the maximum period to 7 Years also. The tenure is fixed and cannot be extended. The repayment has to be done in equal monthly instalments within the agreed tenure of the loan.

      Are there any other charges involved in Personal Loan Baddi?

      Yes, there are 2 types of charges that one needs to pay to avail a personal loan in Baddi:

      Processing Fee: For every bank or lending institution that you borrow from, there is a small fee that they charge from the customer. This is known as Processing Fee. The personal loan Baddi processing fee 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 an extra amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges vary depending on how many years has your loan completed before you decide to pre-close it.

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

      Since Personal Loan is an unsecured loan, one of the most important decision criteria for getting your Personal Loan application approved is your CIBIL Score. Having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan in the future. Make sure you don’t skip any of your loan EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.

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