Personal Loan Begusarai

⋆ Interest Rate 9.99% ⋆

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      Personal Loan Begusarai

      Best Banks for Personal Loan in Begusarai

      Feature HDFC Bank ICICI Bank Bajaj Finance
      Interest Rate 10.75% - 17% 11.25% - 18.5% 0.12
      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 Begusarai Features

      Personal loan BegusaraiFacing a shortage of cash? No need to worry as a Personal Loan is the best way financial aid that can be availed in no time. At a reasonable rate of interest and minimum documentation, avail of a personal loan through DialaBank in just a few simple steps.

      Personal Loan Begusarai is a type of unsecured loan which does not require any deposition of collateral or mortgage. This nature of loan makes it flexible and convenient to meet your financial needs at any time.

      Personal Loan in Begusarai 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 0.01 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 Begusarai Documents Required 

      Salaried Customers:

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

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

      Self-Employed Customers:

      1. Two passport-sized photographs
      2. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
      3. PAN Card
      4. Proof of Identity such as Aadhar Card/ Driving License/ Passport copy, etc.
      5. Residence Proof

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Personal Loan in Begusarai Eligibility Criteria

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

      Salaried Applicants

      1. The age of the applicant should be minimum of 21 years and a maximum of 60 years.
      2. The applicants must have three years’ work experience, and the salary should be received in their personal accounts only.
      3. The applicants must have an excellent credit history.
      4. The job location of the applicant should be mentioned.

      Self-Employed Applicants

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

      To know more

      Why Apply for Personal Loan Begusarai?

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

      How to apply for a Personal Loan Begusarai?

      1. Visit Dialabank.
      2. Go to the loan section and click on the personal loan link.
      3. The applicant will be directed to all personal loan details where they need to fill in all the necessary details and choose their preferred city.
      4. Our relationship managers will then assist you accordingly
      5. For more information and free guidance, you may call on 9878981166.

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Processing Fee / Prepayment Charges on Personal Loan Begusarai

      Banks and NBFCs charge around 1% of the sanctioned loan amount. to the borrower as prepayment charges or processing fees.

      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. Thereafter, the charges vary depending on how many years the loan has done. 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 Begusarai EMI Calculator

      Equated Monthly Installment, also known as EM, is the monthly fixed charges you pay to the bank as monthly repayment for the loan borrowed.  The interest rate is dependent on your profile as well as CIBIL score. Your EMI is calculated using personal loan EMI calculator 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.

      To know more about EMI Calculator, click here: Personal Loan EMI Calculator

      CIBIL Score required for Personal Loan Begusarai

      Every bank has its own parameters for the minimum CIBIL score required for processing a Personal Loan application in Begusarai. However, most institutions require a minimum score of 750 to process your loan application.

      The institutions don’t just look at the overall score but also the detailed behaviour on credit history which includes details on the type of loan taken and the amount borrowed. In addition, any payment delay for previous loans can be a barrier to your availing of a fresh loan.

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Personal Loan Begusarai Agents

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

      Personal Loan Begusarai Contact Number

      Call 9878981166 and get Instant Personal Loan in Begusarai.

      Pre Calculated EMI Table for Personal Loan Begusarai

      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 Begusarai

      Begusarai is a city in the state of Bihar. The major source of the economy of the place is through agriculture.

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