Major Personal Loan Providers in Bhagalpur
Feature
HDFC Bank
Private 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
Preclosure Charges
2%, Nil foreclosure charges after 12 months
2%, Nil foreclosure charges after 24 months
Nil
Overdraft Facility
No
No
Yes
Personal Loan Bhagalpur Features
Click here to get the top offers and benefits on personal loans by clicking on the instant personal loan.
A personal loan is not very difficult to avail of; all you require is an excellent CIBIL score with no dues or debt and maintaining a good credit history, and having an excellent and constant source of income.
Dialabank easily provides the loan in just 2 days which is also the minimum possible time to get a personal loan anywhere.
With Dialabank, the loan process is faster, smoother and our service is the best in the market.
Personal Loan Bhagalpur Interest Rates
To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates
Bank
Processing Fee
HDFC Bank Personal Loan
0.25% to 1.50%
Axis Bank Personal Loan
0.50% to 1.50%
Nil
Private Bank Personal Loan
0.25% to 1.50%
SBI Personal Loan
500/- to 0.50%
Nil
Kotak Personal Loan
1% to 2%
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
Documents for Personal Loan Bhagalpur
Salaried Customers:
- Passport-sized photos – 2 of the person for applying, Identity proof of the person is required for the personal loan Nadiad(Aadhar card/driving license/Voter Id), PAN Card of the person for applying, residence Proof required (Owned/Rented/Company provided)for applying, and Salary slips of the last 3 months and Bank statements for the last 6 months.
*NOTE: In the case of rented apartments, a rent agreement needs to be attached.
Self-Employed Customers:
- Aadhar Card and Residence Proof( Current and Permanent) is also needed for applying. Two passport-sized photographs and all financials are required of the customer, such as the Balance Sheet, P&L Statement, and ITR files along with PAN Card, which is mandatory for applying.
PERSONAL LOAN
Interest Rate 9.99%
Eligibility Criteria for Personal Loan Bhagalpur
Personal loan eligibility criteria have been classified as-
Salaried Applicants
- The applying person should also mention the job location of the job in which he is working, and he should also have a minimum salary of INR 25,000 per month.
- At least 3 years of work experience is mandatory, and the salary should also be received in their accounts only with an excellent credit history. A personal loan EMI calculator will do a better estimation.
- The only age requirement which is also mandatory is min. 21 years and up to 60 years.
Click here to know more about: personal loan for Salaried Applicant
Self-Employed Applicants
- A perfect credit score with no debt or dues left of the individual has the annual income- a minimum of Rs 2.5 lakh.
- Please submit all your financial statements details and bank statements for the previous three months with your minimum age are 25 years and also need to have a file of the ITR for the last three years of work.
- If the applying applicants are among the businessman and want a loan for business, then that person’s business should be running at least for the past three years constantly.
Click here to know more about: personal loan for self-employed Applicant
Why Apply for Personal Loan Bhagalpur?
- The amount of loan given is depended upon the repayment of individual pay and capacity. There is no need to deposit one of the two mortgages and collateral security to the bank with a low personal loan interest rate.
- A Personal Loan does not require any of the two, a guarantor or nominee, to avail it.
How to apply for Personal Loan Bhagalpur?
- Visit our website on your mobile or desktop browser Dialabank
- Go to the personal loan section on the page and click on the personal loan link present there.
- You will be directed to all the personal loan details available on that website, where you can choose your preferred city option.
- You may call on 9878981166 if you need any information or free guidance on personal loans.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fee / Prepayment Charges on Personal Loan Bhagalpur
A Personal Loan Bhagalpur processing fee is 1% charged by every lending institution to process your Loan application.
You have to pay a fee that can vary according to the bank to close your loan before the loan period gets over. Usually, you cannot close your personal loan before the mandatory 12 months of the period, and the fee can be from 4% in the 2nd year to 2% in the 4th year, which varies according to the banking institutions.
Personal Loan Bhagalpur EMI Calculator
EMI is the fixed charges which have to be paid monthly to the lending institution as monthly repayment for the loan amount borrowed. Based on the profile of the individual who applied for the loan, the interest rate on loan is determined. EMI is calculated based on the amount of loan you have to take for your needs and the period for which you enjoy the personal loan, and the Interest Rate you are charged by the bank.
CIBIL Score required for Personal Loan Bhagalpur
The institutions look at credit history, dues. Debt and the overall behaviour of the individual to process the loan application of personal loan and every banking institution has its criteria for the minimum CIBIL score required for processing the Personal Loan application in the city of Bhagalpur, which is mostly same for most of the banking and lending institutions, the institutions require a CIBIL score of 750 or above 750 to process the loan.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Bhagalpur Agents
If you are looking for a personal loan agent, the best agent for getting a Personal Loan in Bhagalpur is Dialabank.
You can quickly apply for a personal loan at Dialabank or give a call at 9878981166
Personal Loan Bhagalpur Contact Number
Call 9878981166 and get all the help for availing of Personal Loan Bhagalpur.
Pre-Calculated EMI Table for Personal Loan Bhagalpur
About Bhagalpur
Bhagalpur division is an administrative geographical unit of Bihar, a state in India, with Bhagalpur as the administrative headquarters of the division there. As of 2005, the division consists of the main Bhagalpur district and Banka district there, and it is located on the bank of the holy Ganga River.
Other Personal Loan Cities in Bihar
| Personal Loan Gopalganj | Personal Loan Hajipur |
| Personal Loan Hilsa | Personal Loan Jamui |
| Personal Loan Jehanabad | Personal Loan Jhajha |
| Personal Loan Jhanjharpur | Personal Loan Keshopur |
FAQs About Personal Loan Bhagalpur
✅ What is the tenure of a Personal Loan in Bhagalpur?
For most banks, a minimum of 1 year to a maximum of 5 years is the tenure.
But the loan tenure can be 7 years for some banks too, and all of this is predecided by the manager and the applicant.
✅ Are there any other charges involved in Personal Loan Bhagalpur?
Yes, there are mainly 2 types of charges that one has to pay if required:
Processing Fee: A Personal Loan Bhagalpur processing fee is 1% of the loan amount is charged by banks to process your loan application.
Pre-closure Charges: Pre-close a loan before the agreed tenure of the loan will result in a penalty. Usually, you cannot pre-close the loan before 12 months of the loan period, as it is mandatory for the beneficiary, and the charges can be from just 4% in the 2nd year to 2% in the 4th year of the personal loan taken by you.
✅ Can my application for Personal Loan Bhagalpur get rejected due to my CIBIL score?
Any dues or debt or not paying your EMI in previous loans can get your loan application rejected. Also, a meagre CIBIL score, credit history being poor can get your loan application rejected.
✅ Who can apply for a Personal Loan in Bhagalpur city?
People with a good credit history and good CIBIL score, a good constant salary, and who want to avail the loan for some financial purpose of their own can apply for a personal loan.
