Personal Loan Balod

⋆ 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

      Table of Contents

      Major Personal Loan Providers Balod

      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 Balod Features

      Personal Loan Balod

      Does your Wallet situation hold you back from making your ends meet? Dialabank banks with Individual loans helps you make your ends meet.

      • Customer-friendly services with on-call advice facility and easy loan approval.
      • Instant loan approval within max 48 hours of registration.
      • Basic documentation and transparent loan procedure.
      • All you require is the potential to repay and stick to the guidelines provided by the institution.
      • No money usage barrier, the candidate has the liberty to spend the money in the best way possible.

      To apply for a personal loan, Balod click on Personal Loan

      Personal Loan Balod 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 Balod

      Necessary Documents required for Personal Loan Balod:

      Salaried Customers:

      1. Identity proof can be (Aadhar card/driving license)
      2. Statements for the salary of the past three months.
      3. Bank statements for the last 6 months
      4. PAN Card of the candidate
      5. Proof for Residence of the borrower (Own/Rent/Company provided)
      6. Passport-size photograph – 2 of the candidate
      7. *NOTE: If one lives in rented apartments, rent agreement has to be attached.

      Self-Employed Customers:

      1. All financial statements are required (Balance Sheet, P&L Statement as well as ITR files)
      2. PAN Card of the individual
      3. Aadhar card as an identity proof of the candidate
      4. Residence Proof of the individual
      5. Passport-sized photographs- 2 of the applicant
      personal loan at 10.75%*

      Eligibility Criteria for Personal Loan Balod

      Click here to know more about personal loan eligibility

      Salaried Applicants

      1. The base age of the candidate should be under 21 years or over 60 years.
      2. The candidate must have an employment history, in any event, three years. The compensation needs to be moved into records as it is.
      3. The applicant should have a transparent credit history.
      4. The job location of the applicant should be mentioned in the documents.
      5. The borrower earns a minimum income of at least INR 25,000 on monthly basis.

      Click here to know more about a personal loan for- Salaried Applicant

      Self-Employed Applicants

      1. The age of an independent person applying should be at least 25 years.
      2. The applicant applying for a personal loan should have been filing ITR for the past three years.I\ case the applicant is a businessman, then the business is required to be running well from the last 3 years.
      3. The credit score of the applicant should be good and there must not be any debt or any dues pending.
      4. The yearly income of the applicant should not be any less than Rs 2.5 lakh.
      5. The entire document verification process for personal loan approval requires the applicants to submit their financial statements and their bank statement for the past three months.

      Click here to know more about the personal loan for– Self-employed Applicant

      Why Apply for Personal Loan Balod?

      1. No compulsory rules for submitting mortgage and collateral for the security purpose.
      2. A personal loan is a kind of multidimensional loan, so it can be put to use for any kind of issue.
      3. A Personal Loan does not require any nominee or guarantor.
      4. The amount of personal loans is entirely based on the repayment capacity of the applicant.

      How to apply for Personal Loan Balod?

      1. Visit this website: www.dialabank.com.
      2. After then, go to the loan section and go to the personal loan link. That will direct you to the detailed information of the personal loan where you can pick your city. For more information and free guidance, please call 9878981166.
      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Balod

      All Banks and NBFCs cost a certain fee to process a Personal Loan application. This cost varies between 1.5% to 2.5% of the sanctioned loan amount.

      If in case that you wish to put a closure to your before the chose advance residency, the loaning institution will charge you with either a punishment or a penalty for the move. Typically, you won’t be permitted to close your credit before the time of a year.

      Post that, the charges vary dependent on the number of years the advance has finished. This charge changes from 4% of the rest of the advance sum in the second year to 2% in the fourth year of the credit.

      To know about the interest rate click on personal loan interest rate

      Personal Loan Balod EMI Calculator

      Equated Monthly Installments or EMI implies a monthly fixed rate that you are needed to pay to the bank as monthly repayment for the loan amount which is secured. According to your profile, the rate of interest on your loan is set. The EMI on your loan is calculated depending upon the Rate the 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 Balod

      Every loaning institution has set a standard benchmark for the CIBIL score of the applicant to approve the loan. A min of 750 scores is considerable for loan approval.

      Institutions 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 Balod Agents

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

      Our customer relationship managers will get in touch with you shortly.

      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 www.dialabank.com and fill out a simple form with the details of personal and employment data.

      Personal Loan Balod Contact Number

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

      Pre Calculated EMI Table for Personal Loan Balod

      Click here for personal loan EMI calculator

      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 Balod

      Balod is a town in banks of river Tandula and a nagar palika in the Balod district in the state of Chhattisgarh, India.

      Balod is 44 km from Dhamtari and 58 km from Durg. Balod has one college, one court, one CHC, and a jail. Balod has good medical infrastructure.

      FAQs About Personal Loan Balod

      Who can apply for a Personal Loan in Balod?

      The individual with a financial crisis having regular income source (from employment or business) can easily apply for a Personal Loan Balod.

      What is the tenure of Personal Loan Balod?

      Most of the Banks and NBFCs provide a Personal Loan for a tenure of 1 year to a max of 5 years.

      Although, some Banks extend the maximum period to 7 Years also. The repayment tenures are fixed and are irreversible. The repayment has to be done in equal monthly installments within the agreed tenure of the loan.

      Are there any other charges involved in Personal Loan Balod?

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

      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 amount of processing fee varies for each lending institution and is normally between 1% and 2.5% of the loan amount.

      Pre-closure Charges: If you want to close a running loan before its decided 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 Balod get rejected due to my CIBIL score?

      Personal Loan, being an unsecured loan, one of the most significant decision criteria for getting your Personal Loan application approved is your CIBIL Score. It is of significant purpose when we talk about personal loans hence, maintaining a good Cibil score is of utmost importance.

      EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections occur because of a low CIBIL Score.