Personal Loan Bhagalpur

⋆ 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 Bhagalpur

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 Bhagalpur Featurespersonal loan Bhagalpur

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, all you require is an excellent CIBIL score with no dues or debt and also maintaining a good credit history and have a very good and a 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 from anywhere.

With Dialabank, the loan process is faster, smoother and our service is the best in the market.

Personal Loan Bhagalpur 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 Bhagalpur

Salaried Customers:

  1.  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 case of rented apartments, rent agreement needs to be attached.

Self-Employed Customers:

  1. Aadhar Card and Residence Proof( Current and Permanent) is also needed for applying and Two passport-sized photographs and all financials are required of the customer such as the Balance Sheet, P&L Statement as well as ITR files along with PAN Card which is mandatory for applying.

personal loan at 10.75%*

Eligibility Criteria for Personal Loan Bhagalpur

Salaried Applicants

  1. 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.
  2. At least 3 years of work experience is mandatory and the salary should also be received in their accounts only with a very good credit history.
  3. 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

  1. A very good credit score with no debt or dues left of the individual has the annual income- a minimum of Rs 2.5 lakh.
  2. 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.
  3. If the applying applicants are among the businessman and want a loan for business, then the business of that person should be running at least from the past three years constantly.

Click here to know more about: personal loan for self-employed Applicant

Why Apply for Personal Loan Bhagalpur?

  1. The amount of loan given is depended upon the repayment of individual pay and capacity.
  2. No need to deposit any one of the two, that is mortgage and collateral security to the bank.
  3. A Personal Loan does not require any of the two, which are a guarantor or nominee to avail it.

How to apply for Personal Loan Bhagalpur?

  1. Visit our website on your mobile or desktop browser Dialabank
  2. Go to the section of personal loan on the page and click on the personal loan link present there.
  3. You will be directed to all the details of the personal loan available on that website where you can choose your preferred city option.
  4. You may call on 9878981166 if you need any information or free guidance on personal loans.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Bhagalpur

A Personal Loan Bhagalpur processing fee is 1% is being charged by every lending institution for processing your Loan application.

You have to pay a fee which can vary according to the bank if you want 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 2nd year to 2% in 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 the 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, and 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, a CIBIL score of 750 or above 750 is required by the institutions to process the loan.

personal loan at 10.75%*

Personal Loan Bhagalpur Agents

If you are looking for a personal loan agent than 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 Personal Loan Bhagalpur.

Pre-Calculated EMI Table for Personal Loan Bhagalpur

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 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 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 Personal Loan in Bhagalpur?

For most of the banks, a minimum of 1 year to a maximum of 5 years is the tenure.

But the loan tenure can be of 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: To 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 2nd year to 2% in 4th year of the personal loan taken by you.

Can my application for Personal Loan Bhagalpur get rejected due to my CIBIL score?

Any kind of dues or debt, or not paying your EMI in previous loans can get your loan application rejected. Also, a very low 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 having a good constant salary and also wants to avail of the loan for some financial purpose of their own can apply for a personal loan.

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