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

Best Banks for Personal Loan in Bikaner

Bajaj Finance
Interest Rate
10.75% - 17%
11.25% - 18.5%
Min Loan Amt
Metro : 75000 & Non Metro: 50000
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
Overdraft Facility

Personal Loan in Bikaner Features 

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 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 in Bikaner Interest Rates

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%
ICICI Bank Personal Loan
0.25% to 1.50%
2%, Nil foreclosure charges after 9 months
SBI Personal Loan
500/- to 0.50%
Kotak Personal Loan
1% to 2%
2.25% of fore closure amount if closed 1 month ahead of the tenure.
IIFL Personal Loan
Muthoot Personal Loan
Manappauram Personal Loan
PNB Personal Loan
0.70% to 1%
Canara Bank Personal Loan
Andhra Bank Personal Loan

To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates

Documents Required for Personal Loan in Bikaner

Salaried Customers:

  1. Identity proof (Aadhaar card/driving license)
  2. Salary slips of last three months
  3. Bank statements for the last 6 months
  4. PAN Card
  5. Residence Proof (Owned/Rented/Company provided)
  6. Passport-sized photographs – 2

*NOTE: In case of rented apartments, rent agreement requires to be attached.

Self-Employed Customers:

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

personal loan at 10.75%*

Personal Loan in Bikaner Eligibility Criteria

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

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 at 10.75%*

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

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.

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 at 10.75%*

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

5 Yrs
4 Yrs
3 Yrs

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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