Personal Loan Bikaner

⋆ 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 Bikaner

        Best Banks for Personal Loan in Bikaner

        Feature
        HDFC Bank
        Private 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 Bikaner 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

        Personal Loan Bikaner

        Are you running short out of cash? Do not worry Personal Loan is available for you. This loan is unsecured in nature with minimal documentation and less paperwork. This loan will get approved in 48 hours after the verification process.

        Personal Loan Bikaner is a less secured loan that provides financial aid to the customers at affordable personal loan interest rates. To avail Personal Loan, an individual needs to have a good source of income and has a good credit history.

        Moreover, there is no end-use restriction on the utilization of the personal loan amount. You can use this loan amount anywhere you wish to do.

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Personal Loan in Bikaner Interest Rates- Mar 28 2024

        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
        Private 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 Bikaner Fees & Charges – Mar 28 2024

        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
        Private 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 Bikaner

        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 in Bikaner Eligibility Criteria

        The personal loan eligibility criteria for both Salaried and Self-Employed for availing a personal loan in Bikaner are different:

        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
        Private 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. 21 years is the minimum age required for getting a personal loan.
        2. 60 years is the maximum age for getting a personal loan.
        3. The applicants must have the work experience of the three years. The salary should come to their bank accounts only.
        4. The applicants should have a good credit history.
        5. The job location of the applicant should be introduced.
        6.  An individual should have a minimum income of INR 25,000 per month.

        Click here to know more about- Salaried Applicant

        Self-Employed Applicants

        1. The minimum age requirement for an applier should be 25 years.
        2. The applicants applying for the personal loan must have the ITR files for the last three years.
        3. If the candidates are the businessman, then the business must be running from the past three years.
        4. The credit score of the applicants should be good. There must not be any debt left.
        5. The annual income of the candidates should be a minimum of Rs 2.5 lakh.
        6. For the whole documentation processing of the personal loan, the applicants have to submit his financial and his bank statement for the previous three months.

        Click here to know more – Self-employed Applicant

        Why Apply for Personal Loan in Bikaner?

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

        How to apply for Personal Loan in Bikaner?

        1. Visit Dialabank
        2. Visit the loan section and click on the personal loan link.
        3. An applier will be directed to all details of the personal loan where they can opt for their preferred city.
        4. For more information and guidance about a personal loan, you may call on 9878981166.

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Processing Fees / Prepayment Charges on Personal Loan in Bikaner

        Every Bank and NBFC charges a processing fee for your Personal Loan Bikaner application. The Personal Loan Bikaner Processing fees are 1% of the sanctioned loan amount.

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

        Personal Loan EMI Calculator Bikaner

        You can use personal loan EMI calculator to calculate EMIs. Equated Monthly Installments is the monthly fixed payments that you pay to the bank for the loan amount you have borrowed. Based on your profile, the interest rate on your loan is pre-determined. Your personal loan EMI is calculated on the basis of Interest Rate you are charged by the bank and the loan amount you have to take and the period for which you enjoy the loan.

        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

        CIBIL Score required for Personal Loan Bikaner

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

        Apart from the CIBIL score, every institution is noticed the detailed behaviour on the previous loans taken. This includes details on the type of loan taken and the amount borrowed. Any late payments for previous loans can act as a hurdle to your availing a fresh loan.

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Personal Loan Bikaner Agents/Broker

        Dialabank is the leading agent for availing Personal Loan Bikaner. You can apply on Dialabank or give a call at 9878981166

        Dialabank helps you to check out the best option of Banks and NBFCs by providing you with a detailed market comparison of various banks so that you can make the right choice. Visit the website Dialabank and fill a simple form using your details. Our customer relationship managers will contact you soon.

        Personal Loan Bikaner Contact Number

        Call 9878981166 and get instant help and approval for Personal Loan Bikaner.

        Pre Calculated EMI Table for Personal Loan Bikaner

        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 Bikaner

        Bikaner is a city in the state of Rajasthan, India. It is situated 330 kilometres (205 mi) northwest of the state capital, Jaipur. Formerly the capital of the princely state of Bikaner, the city was established by Rao Bika in 1488 CE, and from its small origins, it has evolved into the fourth largest city in Rajasthan.

        FAQs About Personal Loan Bikaner

        Who can apply for a Personal Loan in Bikaner?

        People who have an urgent need for cash and have a regular source of income (from employment or business) can apply for a Personal Loan in Bikaner.

        What is the tenure of Personal Loan in Bikaner?

        Most of the Banks and NBFCs provide a Personal Loan for a minimum period of 1 Yr and a maximum period of 5 Years. There are few Banks which extend the maximum duration up to 7 Years also. The tenure is rigid and cannot be extended. The repayment has to be done in equal monthly instalments in the agreed loan tenure duration.

        Are there any other charges involved in Personal Loan Bikaner?

        Yes, the charges are of two types that one needs to pay in order to get a personal loan Bikaner:

        Processing Fee: For every bank or lending foundation that you borrow from, there is a fee charged from the customer. This is called as Processing Fee. The personal loan Bikaner processing fee is 1% of the amount of loan.

        Pre-closure Charges: If you want to close a running loan before its agreed tenure duration, the Banks and NBFCs charge an additional amount is the pre-closure charges on the loan amount. Different banks have different pre-closure charges. The pre-closure charges vary depending on how many years has your loan finished before you decide to pre-close it.

        Can my application for Personal Loan Bikaner get rejected due to the  CIBIL score?

        Since Personal Loan is not a much- secured loan, one of the most important criteria for availing your Personal Loan approval is the CIBIL Score. Having a High CIBIL score becomes important if you wish to get a Personal Loan in the future. Make sure you don’t skip any of your personal loan EMI payments that will result in decreasing your CIBIL score. Most of the Personal Loan rejects due to a low CIBIL Score.

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