Personal Loan Bharuch

⋆ 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 Bharuch

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 Bharuch FeaturesPersonal loan Bharuch

Are you planning for a dream vacation? Desiring to gift someone an expensive gift or renovating your house? If you are looking to meet the expense for admission of your child or marriage, or it is a temporary cash crunch. Personal Loan is the answer to all your needs and desires.

A personal loan will help you in a number of ways. Some basic details of a personal loan are:

  •  The Loan amount depends upon the income capability of the person.
  • It is a multi-purpose offer which means it can be used for various purposes.
  • There is absolutely no need to put any property or asset as collateral to the lender.
  • No cosigner is required.

With a personal loan everything is possible. The loan is unsecured in nature and requires minimal documentation and less paperwork. This loan can get disbursed within 48 hours once the verification process is complete.

Personal Loan Bharuch 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 Bharuch

Certain documents are required to avail a personal loan vary for salaried customers and self-employed ones. Following are the basic documents required for both kinds of customers:

Salaried Customers:

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

Self-Employed Customers:

  1. Financial statements are to be submitted (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%*

Eligibility Criteria for Personal Loan Bharuch

The Personal loan eligibility criteria are also different for both Salaried and Self-Employed customers in the following manner:

Salaried Applicants

  • Minimum age: 21 year
  • Maximum age: 60 years
  • Minimum Experience: a half year in the present place of employment. On account of Super A organization least involvement with the present place of employment required is three months.
  • Net monthly income: Above Rs. 18,000
  • Total-experience required: 1 year.
  • Cibil score 750+ (preferably)

Self-Employed Applicants

  • Minimum age: 25 years.
  • Maximum age: 65 years.
  • Minimum annual turnover: Rs. 20 lakh
  • Experience in current business: 3 years
  • Total-experience in business: 5 years

Why Apply for Personal Loan Bharuch?

  • A Loan without any security: Banks don’t ask for any kind of security or collateral. So, there is no need for depositing one.
  • Simple Documentation: You can get the loan with minimum documentation within no time. Banks need documents like identity proof, income proof, etc.
  • The amount can range from Rs. 50,000 to Rs. 20 lakh.
  • Fast Loan Approval: It is easily sanctioned within 48-72 hours once the documents are approved. After the documents are verified, the loan will get disbursed within a few hours.
  • Multipurpose: Personal loans can be used for numerous purposes like paying bills, planning holidays, weddings, buying new land, etc.
  • No Third-party: It is a relationship between the borrower and the lender, which means there is no involvement of the third party.

How to apply for Personal Loan Bharuch?

  1. Visit www.dialabank.com.
  2. Fill in the required details like your name, income, location, etc.
  3. Choose a personal loan option from the box given below.
  4. Click on Request a quote.
  5. Relax as our relationship manager will soon get in touch with you.
  6. For any sort of assistance, you may call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Bharuch

Every Bank and NBFC charges a specific fee for processing your Personal Loan application known as processing fee. These charges vary between 1% to 2.5% of the total sanctioned loan amount.

In case you wish to foreclose your loan before the agreed loan tenure, the lending institution charges you a penal prepayment fee also called the Pre-closure charges. The tenure usually lasts 12 months. After that, the pre-closure charges vary depending on the tenure left. These charges vary anywhere from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan respectively.

Personal Loan 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

Personal Loan Bharuch EMI Calculator

Equated Monthly Installments also know as EMI are referred to as the monthly fixed charges that you are required to pay to the bank as monthly repayment for the loan amount borrowed. Based on certain factors like your loan amount and tenure, the interest rate on your loan is calculated.  Personal loan EMI Calculator. Your EMI is determined premise the Interest Rate you are charged by the bank which is required to be paid each month for the referenced residency. 

CIBIL Score required for Personal Loan Bharuch

Every financial lending institution has its own criteria for the minimum CIBIL score requirement for processing a Personal Loan application in Bharuch. A CIBIL score of 750 and above is helpful to process your loan application easily. Sometimes banks might look into other factors like income and job stability to process the loan.

The institutions don’t just check the overall score but also the detailed behaviour on the previously held loans by the applicant. This includes minute details on the type of loan borrowed and the amount of loan borrowed. Any delayed payments for previous loans can act as a hindrance to your availing a new loan.

  • A CIBIL score of 750 and above will ensure you hassle-free accessibility to loans.
  • A CIBIL score of 700-750 might require the bank/NBFC to check on other various important factors.
  • A zero or negative CIBIL score will require bank/NBFC to check on your job’s stability, assets, house, the capability to repay, etc.

personal loan at 10.75%*

Personal Loan Bharuch Agents

Dialabank helps you in comparing offers from various banks and NBFCs so that you can avail of the best interest rates available according to your need and capability. DialaBank is your best operator accessible for individual credit in Bharuch. Our relationship supervisor will guarantee you get the most minimal conceivable financing cost on your own advance with problem-free documentation. The advantages of applying through DialaBank are: 

  • Most reduced loan costs 
  • Moment Approval in 2 hours 
  • Simple Documentation and adaptable credit residency 
  • Get a committed helpline for your credit enquires

Personal Loan Bharuch Contact Number

Call 9878981166 and get instant help and approval for Instant Personal Loan in Bharuch.

Pre Calculated EMI Table for Personal Loan Bharuch

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 Bharuch

Bharuch is situated at a distance of 70 km from Vadodara in northern India. It is situated at a distance of 60 km from Surat to the South. It is situated near the banks of River Narmada. Bharuch has been known by various names in the past. It was once known as Bharakuccha. Later, the city was termed as Bhrigu Kaksha, Broach, and Bharuch.

 

 

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