Personal Loan Bidar

⋆ 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

Best Banks for Personal Loan in Bidar

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 Bidar Features

Personal Loan Bidar

Are you facing a cash crunch? Personal Loans can be an option for you. This loan is not secured in nature and needs minimal documentation and less paperwork. This loan is approved within 48 hours after the verification process.

Personal Loan is an unsecured loan which provides financial aid to the customers at very affordable interest rates. To avail a Personal Loan, applicants need to have a stable and good source of income and also good credit history.

Adding to it, there is no fixed restriction on the use of the amount of a personal loan. You can easily use this loan amount anywhere you want to do

Personal Loan in Bidar Interest Rates and Charges

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 Bidar

Salaried Customers:

  1. Identity proofs (Aadhar card/driving license)
  2. Salary slips (last three months)
  3. Bank statements (last six months)
  4. PAN Card Copy
  5. Residence Proofs (Owned/Rented/Company provided)
  6. Two Passport-sized photographs

*NOTE: Rent agreement needs to be attached In case of rented apartments

Self-Employed Customers:

  1. All financials (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%*

Personal Loan in Bidar Eligibility Criteria

The eligibility criteria are separate for both Salaried and Self-Employed:

Salaried Applicants

  1. Minimum age requirements for the individual should be at least 21 years and maximum of 60 years.
  2. The applicants must be having work experience of a minimum of three years, and the salary should be received in their accounts only.
  3. The applicant must be having a very good credit history.
  4. The job location of the applicant needs to be mentioned.
  5.  A borrower must have an income of at least INR 25,000 per month.

Click the link to know more about- Salaried Applicant.

Self-Employed Applicants

  1. The independent person must be of 25 years.
  2. The users applying for the personal loan should have filed ITR for the last three years.
  3. If the applicants have businesses, then the business must be running from the last three years.
  4. The credit score of any individual applicant should be very good, and also there should not be any remaining debt or dues.
  5. The annual income of the applicants needs to be a minimum of Rs 2.5 lakh.
  6. The complete documentation process for the personal loan needs the applicant to submit his financial and bank statements of the past three months.

Click the link to know more – Self-employed Applicant.

Why Apply for Personal Loan Bidar?

  1. There is no need to deposit any mortgage and collateral security to the bank.
  2. A personal loan is a multi-purpose offer loan. It can be used for all the problems related to finance.
  3. The amount of personal loan depends upon the repayment of individual income and capacity.
  4. A Personal Loan does not require any guarantor or nominee.

How to apply for Personal Loan Bidar?

  1. Visit www.dialabank.com.
  2. Go to the loan section and click on the personal loan link.
  3. The applicant will be directed to all details of the personal loan where they can choose their preferred city.
  4. For more information and free guidance, you may call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Bidar

Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges vary between 1.5% to 2.5% of the sanctioned loan amount.

In case you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. Post that the charges vary depending on how many years the loan has done. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.

Personal Loan Bidar EMI Calculator

Equated Monthly Installments also know as EMI are the monthly fixed charges 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 determined. Your EMI is calculated basis the Interest Rate you are charged by the bank and the amount of loan you have to take and the period for which you enjoy the loan. The Personal Loan EMI Calculator as follows:

CIBIL Score required for Personal Loan Bidar 

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Bidar. Most institutions require a minimum score of 750 to process your loan application.

The institutions don’t just look at the overall score but also the detailed behaviour on the previous loans taken. 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 in Bidar Agent and Contact Number

Dialabank is amongst the leading agents for availing Personal Loan in Bidar. You can apply online at the Dialabank website or even give a call at 9878981166

Dialabank always tends to help you to select the best available option between the Banks and NBFCs by providing a detailed market comparison of different banks to you so that users can make the correct choice. Visit us at www.dialabank.com and fill up a simple form with your basic employment details. Our customer relationship managers will try to get in touch with you.

Call us at 9878981166 and get instant help and approval for Personal Loan in Bidar.

Pre Calculated EMI Table for Personal Loan Bidar

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 Bidar

Bidar is a hilltop city situated in the north-eastern region of Karnataka state in India. The headquarters of the Bidar District borders Maharashtra and Telangana. It is a rapidly urbanizing city in the wider Bidar Metropolitan area.

Personal Loan in Other Cities of Karnataka

Personal Loan Davangere Personal Loan Dharwad
Personal Loan Doddaballapur Personal Loan Gadag
Personal Loan Gangavati Personal Loan Gauribidanur
Personal Loan Gonikoppal Personal Loan Gulbarga

 

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