Personal Loan Bongaigaon

⋆ Interest Rate 9.99% ⋆

Check Special Offers During COVID-19

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.

Why us?

Rates as low as 9.99%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

Major Personal Loan Providers in Bongaigaon

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 Bongaigaon FeaturesPersonal Loan Bongaigaon

Want to have a big celebration for your child’s marriage? Want to renovate your house? Or want to send your child to foreign for higher studies? Or want to fulfil the dream you are having for a lifetime? Everything needs money. Right? But don’t let money come between you and your dream. Don’t worry. We have many personal loan options.

We Dialabank help people to compare, analyze and choose the best loan possible.

This loan is unsecured in nature with minimal documentation and less paperwork. This loan can get approved within 48 hours after the verification process.

Personal loan Bongaigaon is an unsecured loan that provides financial aid to the customers at affordable interest rates. To get a Personal Loan, the applicant needs to have a rigid and good source of income and has a good credit history.

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

Personal Loan Bongaigaon Interest Rates

To apply for personal loan Bongaigaon click on Personal Loan

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 Required for Personal Loan Bongaigaon

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 case of rented apartments, rent agreement needs 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. Aadhar Card
  4. Residence Proof
  5. Two passport-sized photographs

personal loan at 10.75%*

Eligibility Criteria for Personal Loan Bongaigaon

Click here to know more about personal loan eligibility

Salaried Applicants

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

Self-Employed Applicants

  1. The minimum age requirement for an independent person should be 25 years.
  2. The applicants applying for the personal loan should file ITR for the last three years.
  3. If the applicants are the businessman, then the business should be running from the past three years.
  4. The credit score of the individual applicants should be good .there should not be any debt or dues left.
  5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
  6. The whole documentation process of the personal loan is the applicants have to submit his financial and his bank statement of the previous three months.

Why Apply for Personal Loan Bongaigaon?

  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 Bongaigaon?

  1. Visit Dialabank
  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 Bongaigaon

Every Bank and NBFC charges a fee for processing your Personal Loan application. The personal loan Bongaigaon processing fee Is 1% 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.

To know about the interest rate click on personal loan interest rate

Personal Loan Bongaigaon 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.

CIBIL Score required for Personal Loan Bongaigaon

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Bongaigaon. 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 Bongaigaon Agents

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

Dialabank helps you to find the best option of Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice. Visit our website www.dialabank.com and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

Personal Loan Bongaigaon Contact Number

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

Pre Calculated EMI Table for Personal Loan Bongaigaon

Click here for personal loan EMI calculator

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 Bongaigaon

Bongaigaon is a major city in the state of Assam, India. The city urban area spans across Bongaigaon and Chirang district. Bongaigaon City also acts as the gateway of North-East Frontier Railway Zone with its New Bongaigaon Junction railway station, a second biggest railway station in North-East India. The Asian Development Bank selected the city on their urban planning list of cities from other countries of Asia. Bongaigaon is one of the most populated urban agglomerations in west Assam with a line of Guwahati, Jorhat, Dibrugarh and Silchar. Bongaigaon is the administrative headquarters and municipal board of Bongaigaon district.

As of the 2011 India census, Bongaigaon district had a population of 1,09,810.

FAQs About Personal Loan Bongaigaon

Who can apply for a Personal Loan in Bongaigaon?

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 Bongaigaon.

What is the tenure of Personal Loan in Bongaigaon?

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

Are there any other charges involved in Personal Loan Bongaigaon?

Yes, there are 2 types of charges that one needs to pay in order to avail a personal loan in Bongaigaon:

Processing Fee: For every bank or lending institution that you borrow from, there is a small fee that they charge from the customer. This is known as Processing Fee. The amount of processing fee varies for each lending institution and is normally between 1% and 2.5% of the loan amount.

Pre-closure Charges: Whenever you want to close a running loan before its agreed tenure period, the Banks and NBFCs charge an extra amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges vary depending on how many years has your loan completed before you decide to pre-close it.

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

Since Personal Loan is an unsecured loan, one of the most important decision criteria for getting your Personal Loan application approved is your CIBIL Score. Having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan in the future. Make sure you don’t skip any of your loan EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.

Other Personal Loan Cities

Personal Loan Dhekiajuli Personal Loan Bishnupur
Personal Loan Dhemaji Personal Loan Barpeta
Personal Loan Chittaranjan Personal Loan Bangaon
Personal Loan Bongaigaon Personal Loan Sonepur
Menu