Personal Loan Bhubaneswar

⋆ 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

      Personal Loan Bhubaneswar

      Best Banks for Personal Loans in Bhubaneswar

      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 Bhubaneswar Features

      Personal Loan Bhubaneshwar

      Personal Loan Details
      Interest Rate
      10.75% to 24% p.a.
      Processing Fees 0.5-2.5%
      Loan Tenure
      1 year to 5 years
      Pre-closure Charges 2% - 5%
      Guarantor Requirement
      No guarantor required
      Personal Loan Bhubaneswar gives you financial help, and you can use the money for various purposes such as weddings, Holidays, to buy some new gadgets and many other resources. Personal can be availed in very little time. Minimum documentation is required for this process. It also has a competitive Personal Loan Bhubaneswar interest rate @10.75% per annum.

      Personal Loan in Bhubaneswar Interest Rates – May 29 2022

      The interest rates in a Personal Loan depends on the company’s profile and salary of a person. The interest rate of personal Loan starts @10.75% per annum.

      Name of the Bank Interest Rate Range Processing Fee Range Loan Amount Tenure
      ICICI Bank 11.59% - 18.49% (Fixed) 2.25% (min. Rs.1149) One time fee Rs.20 lakh (Max) 1-5 Years
      CitiBank 10.99% - 15.99% (Fixed) 1% to 2.5% Rs.30 lakh (Max) 1-5 Years
      Kotak Mahindra Bank 10.99% to 24% p.a. Up to 2.5% of the loan amount along with GST or service tax Rs.50,000 to Rs.15 lakh 1 to 5 Years
      Fullerton India 11.99% to 23.99 p.a. Information not provided. Up to Rs.20 lakh for salaried and up to Rs.30 lakh for self-employed individuals 1 to 4 Years
      Bank of Baroda 11.35% - 14.35%Fixed Rs.1,000 to Rs.10,000 (One time fee) Rs.20,000 - Rs.2 lakh 4 Years (Max)
      State Bank of India 12.90% - 14.90% (Fixed) 1% (One time fee) Rs.24,000 - 15 lakh 5 Years
      Aditya Birla 11.5% - 13.25% (Fixed) Nil Rs.30 lakh (Max) 1-5 Years
      Allahabad Bank Information not provided 1.06% of loan amount Information not provided. 1 to 5 Years
      Yes Bank 14% p.a. Up to 2% (One-time fee) Rs.2 lakh to Rs.20 lakh 1 to 5 Years
      Corporation Bank 12.75% to 13.75% p.a. Up to 1.5% Minimum amount of Rs.500 Up to Rs.3.50 lakh Up to 5 Years
      Get low-interest rates

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Personal Loan Bhubaneswar Fees & Charges – May 29 2022

      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

      Documents required for Personal Loan in Bhubaneswar

      List of Documents Required for Salaried Applicants

      Salaried individuals must submit the following documents in addition to a completed personal loan application form:

      Photo Identity Proof (Any one) Passport
      PAN Card
      Voter’s ID
      Aadhar Card
      Driving License
      Address Proof (Any one)
      Passport
      Utility Bill (telephone, electricity, water, gas) – less than 2 months old
      Aadhaar Card
      Driving License
      Ration Card
      Income Proof
      Salary slips (Last 3 months)
      Bank statements for the last 3 to 6 months (showing salary credit)
      Tax Paid (Any one
      IT returns (for 2 years)
      Form 16
      Residence Ownership Proof (Any one)
      Property documents
      Maintenance bill
      Electricity bill
      Proof of Job Continuity (Any one)
      Current employment certificate
      Current job appointment letter (if more than 2 years have been spent in the same organisation)
      Experience certificate (previous employer’s relieving or appointment letter along with job certificate)
      Proof of Investment (if any)
      Fixed assets, fixed deposit, shares, etc.
      Existing Loans (if any)
      Payment Track Record & Sanction letter
      Photograph
      One coloured passport size photograph

       

      List of Documents Required for Self-employed Applicants

      Self-employed personal loan applicants must submit the following documents in addition to a fully completed loan application form:

      Photo Identity Proof (Any one) Passport
      PAN Card
      Voter’s ID
      Aadhaar Card
      Driving License
      Address Proof (Any one)
      Passport
      Aadhaar Card
      Driving License
      Utility Bill (telephone, water, electricity, gas) – less than 2 months old
      Ration Card
      Proof of Residence Ownership (Any one)
      Property documents
      Maintenance bill
      Electricity bill
      Proof of Office Address and Ownership (Any one)
      Maintenance bill
      Property documents
      Electricity bill
      Proof of Business Existence (Any one)
      Copy of GST registration
      Company registration license
      Shop establishment proof
      Income Proof
      Last 2 years Income tax returns of the applicant along with computation of income duly attested by a Chartered Accountant
      Audited balance sheet and Profit & Loss accounts, including tax audit report, if applicable
      Bank statement
      Savings/current account bank statement/ bank passbook for the past one year
      Proof of Investment (in case any)
      Investments such as fixed deposit, fixed assets, shares, etc.
      Existing Loans (in case any)
      Payment Track Record and sanction letter
      Professional Degree Certificate
      In case of professionals
      Photograph
      One coloured passport size photograph

       

      List of Documents Required for NRI Applicants

      When applying for a personal loan, NRI candidates are typically required to submit the following documents:

      Identity Proof Copy of the passport
      Copy of the visa
      Employment Proof Letter of Appointment
      Job contract
      Labour/ Identity card (if applicable)
      Official email ID or the HR’s email ID
      Income Proof Last 6 months’ bank statements
      Last 6 months’ salary slips or salary certificate
      Photograph Passport size photographs

       

      List of Documents Required for Pensioners

      When applying for a personal loan, a pensioner must submit the following documents:

      Identity/Age Proof (Any one)
      Ration card
      Passport
      PAN card
      Aadhar card
      Voter ID card
      Driving licence
      Birth certificate
      School leaving certificate
      Address Proof (Any one) Passport
      Aadhaar card
      Utility bills
      Ration card
      Driving licence
      Income Proof (Any one)
      Last 6 months’ bank statements/salary slips
      Bank passbook
      Form 16
      Copy of pension payment order
      Income tax returns
      Photographs
      Passport size photographs

       

      Know More About: Personal Loan Eligibility Criteria

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Personal Loan in Bhubaneswar Eligibility Criteria

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

      Particulars Salaried Self-Employed
      Age 21 - 60 years 21 - 65 years
      Minimum Income Rs.15,000* Rs.5 Lakh p.a.
      Co-applicant Not mandatory Not mandatory
      Loan Tenure 12 – 60 months 12 – 60 months
      Maximum Loan Amount Rs.40 Lakh Rs.40 Lakh
      Employment Type Employees of private limited companies and public sector undertakings
      Self-employed individuals
      Employment/Business Continuity At least 2 years; minimum 1 year with current employer
      4 years Post Qualification experience for Doctors/ Chartered Accountants.
      5 years Post Qualification experience for Company Secretary / Architect.
      CIBIL Score 750 and above 750 and above
      Residential Status
      Resident Indian staying in own house or a rented house

       

      *In cities such as Kochi, Kolkata, Ahmedabad, Pune, Hyderabad, Mumbai, Chennai, Bengaluru, and Delhi the net monthly income required is Rs.20,000

      Click here to know more about - Salaried Applicant
      Click here to know more about - Self-employed Applicant

      *Note: The eligibility criteria vary from lender to lender.

      Check Personal Loan Eligibility with Top Lenders in 2021

      Bank Age Limit Minimum Work Experience
      Minimum Income (Per Month)
      SBI Up to 76 years NA** Rs.15,000
      HDFC 21 to 60 years 2 years Rs. 20,000
      ICICI 23 to 58 years 2 to 5 years Rs.17,500
      Axis 21 to 60 years NA** Rs.15,000
      Kotak Mahindra 22 to 55 years 1 year Rs.25,000
      Tata Capital 21 to 58 years 1 year Rs.15,000
      IndusInd 21 to 60 years 2 to 5 years Rs.25,000
      Ujjivan Small Finance 22 to 58 years NA**
      Above the minimum wage limit
      India Infoline Finance Limited 25 to 60 years 6 months to 2 years Rs.35,000
      HDBFS 21 to 65 years 1 year to 3 years
      Rs.15,000 for salaried
      Rs.1 lakh p.a. for self-employed
      Indian Overseas Bank Up to 58 years NA* Rs.5,000
      IDFC First Bank 23 to 68 years 3 years NA*
      Federal Bank 21 - 55 Years 3 years Rs.25,000
      Punjab National Bank 21 – 58 years 2 years for doctors Rs.15,000
      Andhra Bank 21 - 55 years NA** NA*
      Canara Bank NA** NA**
      Salaried: Rs.6,000 & above
      Self-employed - Rs. 1.5 lakh
      IDBI Bank Up to 75 years for Pensioners NA** Rs.1.5 lakh p.a.
      Fullerton India 21 to 55 years 1 to 2 years Rs.15,000
      RBL Bank 25 to 60 years 1 to 3 years Rs.25,000
      Bank of Baroda 21 to 60 years 1 year to 2 years
      60% of gross monthly income
      Deutsche Bank 25 to 60 years NA** Rs.25,000
      Karnataka Bank NA** 3 years NA*
      United Bank of India up to 75 Years 2 years NA*
      UCO Bank 21 to 65 years 1 year to 5 years Rs.20,000

       

      *Personal loan disbursal is solely at the bank’s discretion and as per the bank’s terms and conditions

      Learn More about Personal Loan: Click Here

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Salaried Applicants

      1. The individual’s minimum age requirements should be 21 years and a maximum of up to 60 years for an Individual.
      2. The applicants must have work experience of three years. And the salary should be received in the Individual’s account.
      3. The applicants must have an excellent credit history of the previous Loan.
      4. The applicant should mention the job location of the applicant.

      Self-Employed Applicants

      1. The minimum age requirement for an independent person should be 25 years or more of an Individual.
      2. The applicants applying for the personal loan should file ITR for the last three years of the income.
      3. If the applicants are the businessman, they should be running from the past three years and running successfully.
      4. The credit score of the individual applicants should be excellent as it expedites the process.
      5. The annual income of the applicants should be a minimum of Rs 2.5 lakh annually.

      Why Apply for Personal Loan Bhubaneswar?

      1. Multipurpose loan: The money from a personal loan can be utilized for any personal purpose.
      2. All-purpose loan: It can be used for almost all purposes according to the requirement.
      3. Affordable Interest Rates: It is available at an affordable personal loan interest rate in the market.
      4. Simple procedure: It is a simple Loan scheme as there is no process to check the collateral

      How to apply for a Personal Loan in Bhubaneswar?

      Anybody can apply for a Personal Loan Bhubaneswar online and get Instant Personal Loan only in a few minutes. The process of application is straightforward and quick.

      1. Visit Dialabank
      2. After that, apply for a Personal Loan online.
      3. Please enter your contact number so that we can contact you back.

      Processing Fee / Prepayment Charges on Personal Loan in Bhubaneswar

      Every Bank and NBFC charges two kinds of fees from its customers.

      1. The first is mandatory for processing your Personal Loan application, i.e. Processing Fee. The Personal Loan Bhubaneswar Processing Fees are 1%  of the sanctioned loan amount. These are charged on all personal loans irrespective of the tenure and amount.
      2. The second being Pre-closure charges in case you want to close your loan before your fixed tenure. Normally, you cannot close your personal loan before 12 months. The charges may vary from 2% to 4% in the case of pre-closure cases.

      Personal Loan EMI Calculator Bhubaneswar

      You can use a personal loan EMI calculator to calculate EMIs. EMI is an Equated Monthly Instalments that you pay to the bank as monthly repayment for the loan amount borrowed.  Based on your profile, the interest rate on your loan is set on. Your EMI is calculated based on the personal loan Interest Rate charged by the bank and the loan amount you have to take and the loan tenure period for which you enjoy the loan.

      CIBIL Score required for Personal Loan Bhubaneswar

      Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Bhubaneswar.

      1. Most institutions require a minimum score of 700.
      2. Others might look into other factors like income and job stability to process the loan.
      3. The institutions don’t just look at the overall score and the detailed behaviour on the previous loans taken.
      4. This includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your availing of a fresh loan.

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Personal Loan Bhubaneswar Agents

      Dialabank helps you compare various banks and NBFCs so that you can choose the best offer available according to your need. DialaBank is your best agent available for a personal loan in Bhubaneswar. Our relationship manager will ensure you get the best loan at the lowest possible interest rate with hassle-free documentation. The reason behind choosing DialaBank as your agent is:

      1. DialaBank is India’s first financial helpline.
      2. We do not charge you for our services.
      3. The loan gets disbursed within 24 hours of applying with us.
      4. Our relationship manager guides and assists you through the entire process.

      By comparing all the deals available with various banks, we will help you choose the right bank for you.

      Personal Loan Bhubaneswar Contact Number

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

      Pre Calculated EMI Table for Personal Loan Bhubaneswar

      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 Bhubaneswar

      Personal Loan Bhubaneswar

      Bhubaneswar is a city the capital of Indian State, Orissa. It is the most populous city also known as the “Gateway of Kumaon”. It is also referred to as Halduvani, derived after the tree “Haldu” abundant in the region. It is home to one of the largest vegetable, fruit, and food grain markets in Kumaon.

      FAQs on Personal Loan Bhubaneswar

      What is a personal loan?

      A personal loan is a type of unsecured loan that a person can avail of based upon their monthly income and CIBIL score. The loan amount available can be used for any personal purpose and need.

      How to get a personal loan in Bhubaneswar?

      To get a personal loan you either walk into the nearest bank branch with basic documents like Aadhar Card, PAN Card, Salary Slip/Bank Statement, and ITR file of the last three years. You can also fill out an inquiry form and apply online at Dialabank’s digital platform for better convenience and personalized assistance.

      What is the interest rate for a personal loan in Bhubaneswar?

      The interest rates for personal loans is 10.75% per annum. The rate of interest depends upon your monthly income, CIBIL Score, loan amount, and loan tenure.