Personal Loan Balurghat

⋆ 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 Balurghat

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 Balurghat Features

Personal Loan BalurghatPersonal Loan is the loaning scheme in which you as a borrower is not required to deposit any collateral to the bank. As the name suggests, you can use the principal amount of personal loan in any way you like. Bank will never ask you to specify the reason for taking the credit. Moreover, as you don’t provide collateral, this loan comes in the unsecured way of delivering the required funds to the borrower. In addition to this, these loans come with low-interest rates making it possible for the middle-class people to pay it back quickly.

Personal Loan Balurghat 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 Balurghat

Salaried Customers:

  1. For Residential Proof you can provide the following documents:- Aadhaar Card / PAN Card/ Voter ID Card/ Passport/ Driving License/Ration card/ rental agreement or your utility bills in case you paying rent.
  2. Also, you need to show proof of Identity:- Aadhaar Card / PAN Card/ Voter ID Card/ Passport/ Driving License.
  3. Salaried applicant’s Income proof for the:- 6 months bank statement and salary slip of the past six months.
  4. Recent passport size photograph (colored)

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

Self-Employed Customers:

  1. Proof of income for the self-employed applicant:- 1-year ITR returns the paper and audited financial documents.
  2. 2 Passport-sized photographs (colored)
  3. For Residential Proof you can provide the following documents:- Aadhaar Card / PAN Card/ Voter ID Card/ Passport/ Driving License/Ration card/ rental agreement or your utility bills in case you paying rent.
  4. Also, you need to show proof of Identity:- Aadhaar Card / PAN Card/ Voter ID Card/ Passport/ Driving License

personal loan at 10.75%*

Eligibility Criteria for Personal Loan Balurghat

The eligibility criteria for both Salaried and Self-Employed are different:

Salaried Applicants

  1. Firstly, you need to be working with the current employment company for at least 3 months
  2. Also, you need to have a minimum of 2 years of working experience.
  3. Importantly, the applicant’s CIBIL needs to be more than 700.
  4. As a salaried applicant your age should be in between 21 to 61 years.

Self-Employed Applicants

  1. Firstly, the age criteria are different; the applicant’s age needs to be in between 25 to 65 years.
  2. Moreover, your business needs to be running for about three years at least.
  3. The applicant must file the ITR of 2.5 Lac of the past three years.
  4. Likewise, banks require that business should yield a minimum of 18 Lacs of turnover annually.
  5. You need to have a bank account, and the CIBIL score needs to be more than 700

Click here to know more about eligibility: Personal Loan Eligibility

Why Apply for Personal Loan Balurghat?

  1. Personal Loan Balurghat comes with low interest rates.
  2. The documentation process is fast, and it takes only about 30 minutes to approve.
  3. Furthermore, the disbursal is done in less than 48 hours.
  4. Banks do not require any mortgage and collateral security as it is an unsecured loan
  5. Likewise, the whole process is fast and hassle-free.
  6. Similarly, this loaning scheme comes with flexible repayment options

How to apply for Personal Loan Balurghat?

  1. Go to  www.dialabank.com.
  2. Visit the personal loan page in the loan section
  3. Fill in all the necessary details and provide all the documents
  4. Our relationship managers will then guide you accordingly
  5. For more information and free guidance, you may call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Balurghat

Every lending institution applies a fee for processing your Personal Loan application which varies 1.5% to 2.5% of the total loan amount.

In case you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. Depending on how many years the loan has done the charges differ. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.

Personal Loan Balurghat EMI Calculator

Equated Monthly Installments also know as EMI are calculated on the basis of the Interest Rate, the amount of loan you have to take, and the period for which you enjoy the loan. EMI is basically a mode of repayment to the bank, month to month, for the loan amount borrowed by the bank.

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

CIBIL Score required for Personal Loan Balurghat

Different banks have their own criteria for the minimum CIBIL score required for processing a Personal Loan application in Balurghat. Most banks have the criteria of a minimum score of 750 for further processing of your loan application.

The institutions don’t just look at the overall score but also the detailed behaviour on the previous loans taken. This includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your availing a fresh loan.

personal loan at 10.75%*

Personal Loan Balurghat Agents

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

Personal Loan Balurghat Contact Number

Call 9878981166 and get Instant Personal Loan in Balurghat.

Pre Calculated EMI Table for Personal Loan Balurghat

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 Balurghat

The city resides in the state of West Bengal. It is also famous for its unique culture and nature which can only be witnessed in the Balurghat district. Indo-Bangladesh border can also be found here.

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