Personal Loan Bilaspur

Best Banks for Personal Loan in Bilaspur

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 Bilaspur Features

Personal Loan BilaspurPractically all the significant banks and the NBFC offer individual advances to the purchasers. A significant number of them permit you to benefit of the advance on the web, regardless of whether they don’t have a nearness in with an individual advance; you have full opportunity to utilize that cash in any capacity you need. A personal loan is the type of unsecured loan and helps you to meet your current financial needs. It is known to be an unsecured loan because the borrower does not require keeping any collateral or security with the bank while availing a personal loan and in return the lender allows the borrower to use the funds as per your choice, this fund will be helpful to the borrower in serving their traveling expense, renovating a house, medical emergency wedding, etc.

Personal Loan Bilaspur Interest Rates and Charges

Get 10.75% is the base pace of intrigue. Individual Loan financing costs may fluctuate from individual to individual as it relies on the pay and CIBIL score of the candidate low-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

Personal Loan in Bilaspur Documents Required 

Salaried Customers:

  1. Identity proof (Aadhar 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 the case of leased apartments, the rental agreement must be added.

Self-Employed Customers:

  1. All financial results (Balance Sheet, P&L Report and ITR files) are needed.
  2. PAN Card
  3. Aadhar Card
  4. Residence Proof
  5. Two passport-sized photographs

personal loan at 10.75%*

Personal Loan in Bilaspur Eligibility Criteria

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

Salaried Applicants

  1. The legal age requirements for an individual should be 21 years and an upper limit of up to 60 years. 
  2. Clients will have three years of work experience. 
  3. And the salary should only be received in their accounts. 
  4. Applicants will have an outstanding history of credit. 
  5. Reference should be made to the job location of the applicant. 
  6. A borrower must have minimum income of INR 25.000 for every month.

Self-Employed Applicants

  1. The legal minimum threshold for a single adult is 25 years. 
  2. Applicants applying for personal loan should have filed an ITR for the last three years. 
  3. When the applicants are businessman, the company would have been in operation for the past three years. 
  4. The credit limit of the individual applicants should be perfect. There should be no debt or fees left. 
  5. The candidate’s annual income should be at least Rs 2.5 lakh. 
  6. The entire documentation process for personal loan is for the applicants to submit their financial statements and bank statements for the preceding months.

Why Apply for Personal Loan Bilaspur?

  1. mortgage and collateral protection is expected to be deposited with the bank. 
  2. A personal loan is multi-purpose product loan. 
  3. This can be used for all finance-related problems. 
  4. The amount of the new mortgage varies on the repayment of individual income and power. 
  5. No guarantor or candidate is required for Personal Loan.

How to apply for Personal Loan Bilaspur?

  1. Please visit the dialabank 
  2. Go on to the Loan section and click the Personal Loan button. 
  3. The client will be directed to all mortgage particulars where they can choose their preferred city. 
  4. For much more relevant data and free guidance, please call 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Bilaspur

Each Bank and NBFC charges an expense for handling your Personal Loan application. These charges change between 1% of the endorsed advance sum.

On the off chance that you wish to abandon your credit before the concurred advance residency, each loaning organization charges you a punitive prepayment expense. By and large, you can’t close your credit before a year. Post that the charges change contingent upon how long the credit has done. These charges differ from 4% of the remarkable advance sum in the second year to 2% in the fourth year of the advance.

Personal Loan Bilaspur EMI Calculator

You can use personal loan EMI calculator to calculator EMIs. Likened Monthly Installments additionally know as EMI are the month to month fixed charges that you pay to the bank as a month to month reimbursement for the credit sum obtained. In view of your profile, the financing cost on your advance is resolved. Your EMI is determined premise the personal loan Interest Rate you are charged by the bank and the measure of advance you need to take and the period for which you appreciate the credit.

CIBIL Score required for Personal Loan Bilaspur

Each loaning organization has its own models for the base CIBIL score required for preparing a Personal Loan application in Bilaspur Most foundations require a base score of 750 to process your credit application.

The organizations don’t simply take a gander at the general score yet, in addition, the nitty-gritty conduct on the past credits taken. This remembers subtleties for the sort of advance taken and the sum acquired. Any deferred installments for past advances can go about as an obstruction to your benefiting a new credit.

personal loan at 10.75%*

Personal Loan Bilaspur Agents

Dialabank is the leading agent for availing Personal Loan in Bilaspur. You can apply online at dialabank or give a call at 9878981166

Personal Loan Bilaspur Contact Number

Call 9878981166 and get instant help and approval for a Personal Loan in Bilaspur.

Pre Calculated EMI Table for Personal Loan Bilaspur

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 Bilaspur

Bilaspur is a town in the Bilaspur District in Chattisgarh in India. It is the second biggest city in the state. Chhattisgarh State High Court at Bilaspur privilege it to host the name ‘Nyayadhani’ of the state. Bilaspur is known for its aromatic Doobraj rice, Samosa, Mango, handloom woven colorful soft Kosa silk Saris, and more for its rich, varied and colorful culture.