Personal Loan Ballia

⋆ 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 Ballia

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 Ballia Features

Personal Loan Ballia

A Personal Loan is like a beam of light in the darkness of financial lacks, you can look to live your dreams and manage your bad times by taking a personal loan without any mortgage.

In this modern world, with increasing expenses and a new lifestyle, it is essential to cope up with the trend. So Personal Loan is a feature provided by banks & NBFIs to get the best loan option to manage all expenses easily, especially for the people in metro cities.

Personal Loan in Ballia 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 Ballia Documents Required 

Salaried Customers:

  1. Income proof: The applicants have to his salary slip of the last three months and bank statement for the last six months.
  2. Proof of address: Passport/ Voter card/ Aadhar card/ Ration card/ Driving license
  3. Two coloured passport size photos:(Applicants should not wear any glasses)
  4. Under KYC  formality: every applicant has to submit his pan card, which is an essential document.
  5. Identity proof: Passport/ID card/ Voter card/ Aadhar card/ration/card/driving license

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

Self-Employed Customers:

  1. All financial documents shall be provided (Balance Sheet, P&L Statement as well as ITR files)
  2. Proof of address: Passport copy/ Voter card/ Aadhar card/ Ration card/driving license
  3. Identity proof: Passport/ID card/ Voter card/ Aadhar card/ration/card/driving license
  4. 2 coloured passport size photos
  5. Under KYC  formality: every applicant has to submit his pan card, which is an essential document.

personal loan at 10.75%*

Personal Loan in Ballia Eligibility Criteria 

The eligibility criteria for both Salaried and Self-Employed vary in the following ways:

Salaried Applicants

  1. Minimum age requirement for an individual is 21 and a maximum of up to 60 years
  2. The applicants must have the work experience of the three years and the salary should be received in their accounts only.
  3. The job location of the applicant should be mentioned
  4. The applicants must have a decent credit history.
  5. A CIBIL score of above 750 with no faulty history is desirable

Self-Employed Applicants

  1. Only applicants above 25 years of age are eligible
  2. All the bank and financial statements of the previous 3 months to be submitted
  3. If the applicant is a businessman, then the business should be running from the past three years.
  4. The self-employed individual applying for the personal loan should file ITR for the last three years.
  5. The credit history of the individual applicants should be good and there should not be any debt or dues left.
  6. The annual income of the applicants should be a minimum of Rs 2.5 lakh.

Click here to know more about eligibility: Personal Loan Eligibility

Why Apply for Personal Loan Ballia?

  1. No need to put any property or asset as security to the lender
  2. A personal loan is a multi-purpose offer loan and can be used for anything whatsoever
  3. The amount of personal loan depends upon the repayment capability and income of the applicant
  4. No cosigner needed

How to apply for Personal Loan Ballia?

  1. Visit dialabank.com and get to know more about personal loan
  2. In the loan section, select a personal loan and provide all the necessary details
  3. Our relationship managers will then get in touch with you and provide you with suitable offers
  4. For more information call us on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Ballia

You need to pay a processing fee to the bank which is basically a fixed amount required for the further processing of your personal loan application form.

Generally, an individual cannot foreclose their loan before 12 months, but if they wish to do so, banks charge a penalty in the form of prepayment charge which the individual is entitled to pay. This amount depends upon the bank and the loan completion period.

Personal Loan Ballia EMI Calculator

Equated Monthly Installments also know as EMI are the fixed charges that you pay to the bank one monthly basis as repayment for the loan amount borrowed.  Based on your eligibility and personal details, the interest rate on your loan is determined. Your EMI is calculated basis the Interest Rate you are charged by the bank and the amount of loan you have to take and the period for which you enjoy the loan.

Get to know more about EMI Calculator: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Ballia

CIBIL score is a parameter on the basis of which banks judge the individual and decide for loan approval. Different banks have different CIBIL Score requirements. Most lending establishments require a minimum score of 750 to approve your loan application.

The lending institutions check your CIBIL score and credit history thoroughly in order to avoid any problems that may arise in the future in the process of loan approval as well as repayment.

personal loan at 10.75%*

Personal Loan Ballia Agents

Dialabank is the leading agent for availing Personal Loan in Ballia. You can apply online at dialabank or give a call at 9878981166

Personal Loan Ballia Contact Number

Call 9878981166 and get Instant Personal Loan in Ballia.

Pre Calculated EMI Table for Personal Loan Ballia

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 Ballia

Ballia is a Holy Hindu city in the state of Uttar Pradesh. There are numerous temples and shrines which make this place religiously rich.

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