Personal Loan Bijapur

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Personal Loan Bijapur

Best Banks for Personal Loan Bijapur

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 Bijapur Features

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

An individual credit is one of the most extremely reliable money-related contributions, which is of splendid significance in a web-orientated global. However, it is basically an unstable credit that doesn’t contain any of the borrower’s possessions to be kept as a piece of security with the bank or the money-related organization endorsing his own advance sum.

Personal Loan Bijapur

You could whenever go for a private advance if there should be a cash emergency or some other financial difficulties winning in the hover of family members. An individual home loan is benefited to fulfill any of the non-open wants to go from your children’s education or your little girl’s marriage or any clinical issues running for your hover of family members, etc. an individual advance is one of the most straightforward and maybe a convenient procedure of having coins close by right away.

There stands no stop-use limitation on the utilization of the private advance sum. You could utilize this advance amount wherever you need to do. Credits are short, brief, and easily helpful. Those credits are, in fact, a gift for all those experiencing financial emergencies and are not getting an approach to fulfill their non-open needs. Those obligations are unstable in nature and require less office work.

PERSONAL LOAN

Interest Rate 9.99%

+91

Personal Loan Bijapur Interest Rates Jun 26 2022

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

Personal Loan Bijapur Fees & Charges – Jun 26 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

PERSONAL LOAN

Interest Rate 9.99%

+91

Documents Required for Personal Loan in Bijapur

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 Bijapur Eligibility Criteria

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

The personal loan eligibility criteria for both Salaried and Self-Employed are different:

Salaried Applicants

  1. Compensation: ₹18,000 (Monthly).
  2. Least Age: 21 Years.
  3. Max. Age: 60 Years.
  4. Work Experience: Total 3 years and 1-year involvement with the progressing work.
  5. CIBIL Score must be more than 700.

Self-Employed Applicants

  1. Home: Must have an Office or Home.
  2. The business ought to be running throughout the previous 3 years.
  3. CIBIL Score must be more than 700.
  4. Least Age: 25 Years.
  5. Max. Age: 65 Years.
  6. Ought to petition for a yearly ITR of 2.5 to 3 lakh.

PERSONAL LOAN

Interest Rate 9.99%

+91

Why Apply for Personal Loan Bijapur?

  • It is a straightforward and safe credit plot for bringing assets up in the midst of hardship.
  • It is effectively accessible within 48 hours.
  • It can explain any money-related issues.
  • Liberated from an expense.

How to apply for Personal Loan Bijapur?

  1. Anyone can apply for Personal Loan Bijapur online just in a short time. The procedure of utilization is clear and snappy.
  2. Visit our official web-based interface, Dialabank.
  3. From that point forward, apply for a Personal Loan on the web.
  4. Please enter your contact subtleties with the goal that we can reach you back.
  5. We are consistently accessible on our complementary number (9878981166) to give you the correct information about advances, financing costs, and so forth.

PERSONAL LOAN

Interest Rate 9.99%

+91

Processing Fee/Prepayment Charges on Personal Loan Bijapur

Profiting an individual credit brings about certain sorts of charges for a Personal Loan in Bijapur. Each Bank and NBFC charges mostly two sorts of expenses from its clients. The first is a charge for handling your Loan application. The charges shift between 1% of the endorsed all-out the advance sum.

The second being Pre-conclusion charges for a circumstance when you need to close your credit before your fixed residency. Much of the time, you can’t for-close your advance before the residency of a year. Post that the charges additionally differ contingent upon how long the credit has been done. These charges fluctuate from 4% of the remarkable advance sum in the second year to 2% in the fourth year of the advance and are just relevant if you don’t finish your credit reimbursement in the fixed residency.

Personal Loan Bijapur EMI Calculator

The Personal loan EMI Calculator can be utilized unreservedly to realize your EMI esteem on your advance sum. Likened Monthly Installments, additionally, know as EMI, are the month-to-month charges that you pay to the bank as a month-to-month reimbursement for the advance sum acquired for money-related needs.  Based on your profile, pay, advance sum, and residency, the financing cost on your advance is resolved appropriately. Your EMI is determined to premise the Interest Rate you are charged by the particular bank, which is required to be paid each month till the fruition of the residency. Therefore, EMI is anything but difficult to pay and doesn’t put any weight on you monetarily.

Click to know more about EMI Calculator: Personal Loan EMI Calculator.

PERSONAL LOAN

Interest Rate 9.99%

+91

CIBIL Score required for Personal Loan Bijapur

  • Each loaning organization has its own measures for the base CIBIL score required for handling a Personal Loan application in Burdwan.
  • The establishments don’t simply check the general score yet, in addition, the itemized conduct on the past credits taken.
  • Most establishments need a CIBIL score of 750 or more to process your advance application.
  • Some may investigate different elements like salary and employment dependability to process individual credit.
  • This remembers subtleties for the kind of advance taken beforehand by you and the sum obtained. Any deferred installments for past advances can go about as a boundary to your getting another credit.

Personal Loan Bijapur Agents/Broker

Dialabank is your best specialist in Bijapur for benefiting any advance. It encourages you to look at bargains from different banks and NBFCs with the goal that you can benefit from the best offers accessible as per your capacity and necessity. DialaBank is your best specialist accessible for individual credit in Bijapur. Our relationship chief will guarantee you get the best advance at the most minimal conceivable loan fee with issue-free and insignificant documentation. The explanation for picking DialaBank as your specialist for an individual advance may be:

  • We don’t charge you for our administration delivery.
  • The advance gets dispensed inside a couple of long periods of applying with us.
  • Our relationship supervisor guides you through the whole procedure of individual advance.
  • For any help or direction sympathetically contact on 9878981166.

PERSONAL LOAN

Interest Rate 9.99%

+91

Personal Loan Bijapur Contact Number

Call 9878981166 and get moment help and endorsement for Instant Personal Loan in Bijapur.

Pre Calculated EMI Table for Personal Loan Bijapur

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

PERSONAL LOAN

Interest Rate 9.99%

+91

About Bijapur

Bijapur, officially known as Vijayapura, is the district headquarters of the Bijapur District of Karnataka state of India.

Other Cities For Personal Loan In Karnataka

Personal Loan Kolar Personal Loan Gokak
Personal Loan Hubli Personal Loan Gangawati
Personal Loan Hoskote Personal Loan Devanahalli
Personal Loan Hospet Personal Loan Davanagere

PERSONAL LOAN

Interest Rate 9.99%

+91

FAQs on Personal Loan Bijapur

✅ Can I apply for a Personal Loan with a low CIBIL score?

Banks require you to have a good CIBIL score to avail of a Personal Loan. However, banks may give you a Personal Loan depending on your ability to repay.

✅ How much time does it take for a Personal Loan to be disbursed?

Once the bank receives your Personal Loan application, the funds are disbursed to you within a matter of days.

✅ What is the maximum loan amount I can avail myself of?

The maximum loan amount differs from bank to bank. It mostly depends on your CIBIL score, ability to repay, loan tenure, etc.