Personal Loan Bhubaneswar

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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 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 Bhubaneswar Features

Personal Loan BhubaneshwarPersonal 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 Rate of Interest.

Personal Loan Bhubaneswar 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 Bhubaneswar

The documents required for a personal loan are as follows:

Salaried Customers:

  1. PAN Card
  2. Salary slips of last three months
  3. Bank statements for the last 6 months
  4. Residence Proof (Owned/Rented/Company provided)
  5. Passport-sized photographs – 2
  6. Identity proof (Aadhar card/driving license)
  7. In the case of rented apartments, rent agreement needs to be attached.

Self-Employed Customers:

  1. PAN Card
  2. Aadhar Card
  3. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
  4. Residence Proof
  5. Two passport-sized photographs

personal loan at 10.75%*

Eligibility Criteria for Personal Loan Bhubaneswar

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

Salaried Applicants

  1. The minimum age requirements of the individual should be 21 years and maximum up to 60 years for an Individual.
  2. The applicants must have the work experience of the 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 job location of the applicant should be mentioned by the applicant.

Self-Employed Applicants

  1. The minimum age requirement for an independent person should be 25 years or more of the 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, then the business should be running from the past three years and running successfully.
  4. The credit score of the individual applicants should be very good 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 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 Personal Loan Bhubaneswar?

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

  1. Visit www.dialabank.com.
  2. After that, apply for a Personal Loan online.
  3. Enter your contact number so that we can contact you back.

Processing Fee / Prepayment Charges on Personal Loan 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. These charges vary between 1% to 2.5% 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 Bhubaneswar EMI Calculator

The Personal loan EMI Calculator can be used to know your EMI value on your loan amount.

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 applicationBhubaneswar.

  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 but also the detailed behavior 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 a fresh loan.

personal loan at 10.75%*

Personal Loan Bhubaneswar Agents

Dialabank helps you in comparing 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 in choosing the right bank for you.

Personal Loan Bhubaneswar Contact Number

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

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

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