Personal Loan Basti

⋆ 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 Basti

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 Basti Features

personal loan BastiPersonal loans are there for individuals lacking funds for various purposes such as, For the wedding, for children school fees, downpayment of vehicle purchase, etc. Here we offer personal loans for those who seek funds without any collateral. The most essential benefit of a personal loan is that you can avail of the funds without any collateral or security.

These loans are provided to those individuals who are eligible under bank eligibility criteria.

Personal Loan Basti is an unsecured loan that provides financial aid to the customers at affordable interest rates. To get a Personal Loan, the applicant needs to have a good and secure source of income and has a good credit history.

Furthermore, there is no end-use restriction or compulsion on the use of the personal loan amount. The loan amount can be used wherever you want to spend.

Personal Loan in Basti 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 Basti Documents Required

Salaried Customers:

  1. Identity proof (Aadhar card/driving license)
  2. Salary slips of last three months
  3. Bank statements for the last 6 months
  4. PAN Card
  5. Residence Proof (Owned/Rented/Company provided)
  6. Passport-sized photographs – 2

*NOTE: In case of rented 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. Aadhar Card
  4. Residence Proof
  5. Two passport-sized photographs

personal loan at 10.75%*

Personal Loan in Basti Eligibility Criteria

The Personal Loan Eligibility criteria for both types of individuals Salaried and Self-Employed are different:

Salaried Applicants

  1. The minimum age requirements of the individual should be 21 years and maximum up to 60 years.
  2. The applicants must have the work experience of the 3 or4 years. And the salary should be received or deposited in their accounts only.
  3. The applicants must have an eligible and sound credit history.
  4. The job location of the applicant should be mentioned.
  5.  A borrower should have a minimum income of INR 25,000 per month

Click here to know more about- Personal Loan Salaried Applicant

Self-Employed Applicants

  1. The minimum age requirement for an independent person should be 25 years.
  2. The applicants applying for the personal loan Basti should file ITR for the last three years.
  3. If the applicants are the businessman, then the business should be running from the last three years.
  4. The credit score or rating of the individual applicants should be good and also there should not be any debt or dues left.
  5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
  6. The whole documentation process of the personal loan Basti is the applicants have to submit his financial and his bank statement of the previous three months.

Click here to know more –Personal loan Self-employed Applicant

Why Apply for Personal Loan Basti?

  1. There is no need to deposit any mortgage and collateral security to the bank for personal loans Basti.
  2. A personal loan Basti is a multi-purpose offer loan. It can be used for all the problems or demands related to finance.
  3. The amount of personal loan Basti depends upon the repayment of individual income and capacity.
  4. A Personal Loan Basti does not require any guarantor or nominee.

How to apply for Personal Loan Basti?

  1. Visit www.dialabank.com.
  2. Go to the loan section and then make a click on the personal loan link.
  3. The applicant will be able to know all details of the personal loan where they can choose their preferred city.
  4. For more information and any free guidance, you may call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Basti

Every Bank and NBFC charges a fee for processing your Personal Loan Basti application. These may charge vary between 1.5% to 2.5% of the sanctioned loan amount.

In case you wish to foreclose or end your loan before the agreed loan tenure, every lending institution or bank charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months or before completing one year. Post that the charges vary depending on how many years the loan has done or the period of personal loan. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the personal loan Basti.

Personal Loan Basti EMI Calculator

Equated Monthly Installments also know as EMI are the monthly fixed charges that you pay to the personal loan bank as monthly repayment for the loan amount borrowed on a personal loan Basti.  Based on your profile or creditworthiness, the interest rate on your loan is determined. Your EMI is calculated basis the Interest Rate you are charged by the personal loan bank and the amount of personal loan you have to take and the period for which you enjoy the loan. The Personal Loan EMI Calculator as follows:

CIBIL Score required for Personal Loan Basti

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Basti. Most financial institutions require a minimum score of 750 to process your loan application.

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

personal loan at 10.75%*

Personal Loan in Basti Agent and Contact Number

Dialabank is the leading agent for availing Personal Loan Basti. You can apply online with Dialabank at www.dialabank.com or give a call at 9878981166

Dialabank helps you to find the best option of Personal loan Basti Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice. Visit our website www.dialabank.com and fill a simple form with your personal and employment details to avail best offers. Our customer relationship managers will soon get in touch with you and provide you assistance.

Call 9878981166 and get instant help and approval for Personal Loan Basti.

Pre Calculated EMI Table for Personal Loan Basti

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 Basti

Basti district is one of the districts of Uttar Pradesh state, India, and a part of Basti Division. Basti city is the district headquarters. In the freedom struggle of 1857, about 250 martyrs of Amorha State were hanged by the British Government from peepal trees located at Chhawani.

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