Personal Loan Dehradun

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Personal Loan Dehradun

Best Banks for Personal Loan in Dehradun

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 Dehradun Featurespersonal loan Dehradun

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

Are you looking for external financial help to meet your personal requirements? If yes, then you can avail of a personal loan Dehradun. It is a loan that can be used for different purposes like paying debts, going for a holiday, paying tuition fees and many more. Personal Loan provides a solution to all problems of financial needs and cash urgently.

This loan is unsecured in nature with minimal documentation and less paperwork. This loan can get approved within 48 hours after the verification process. A personal loan will help you to overcome your financial crisis.

As the name suggests, a Personal Loan may be opted by an individual due to an urgent requirement of cash, for example, any medical issue, education purpose, or wedding or to fulfil any of your other personal needs. This is a life-saver option.

To get a Personal Loan, the applicant needs to have a rigid and good income source and 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 in Dehradun Interest Rates – Jul 24 2021

The interest rates in a Personal Loan depends on the company’s profile and salary of a person. The interest rate of personal Loan starts @10.75% per annum.

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

Get low-interest rates

personal loan at 10.75%*

Personal Loan Dehradun Fees & Charges – Jul 24 2021

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

Documents required for Personal Loan Dehradun

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 at 10.75%*

Personal Loan Dehradun Eligibility Criteria

The personal loan eligibility criteria for both Salaried and Self-Employed are different. It is based on the bank which has to approve the request of the applicant regarding the credit. There are two categories of applicants:

  1. Salaried
  2. Self-employed
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

personal loan at 10.75%*

Salaried Applicants

  1. The minimum age requirements of individuals should be 21 years and a maximum of up to 60 years.
  2. The applicants must have work experience of 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.

Click here to know more about- Salaried Applicant

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. The whole documentation process of the personal loan is the applicants have to submit his financial and bank statements of the previous three months.
  4. If the applicants are the businessman, then the business should be running from the past three years.
  5. The individual applicants’ credit score should be good .there should not be any debt or dues left.
  6. The annual income of the applicants should be a minimum of Rs 2.5 lakh.

Click here to know more – Self-employed Applicant

personal loan at 10.75%*

Why Apply for a Personal Loan in Dehradun?

  1. No Securities: The securities for these loans are not required. These loans are based on the monthly or annual income of the applicants.
  2. Interest Rates: These loans have a very competitive rate of interest. Some of the banks offer the cheapest of loans in this category.
  3. Tenure: The time period of these loans can be extended to 5 years. There are some exceptions too.
  4. Quick Processing: The loans are processed in no time after the verification of the documents.
  5. Easy Installments: The applicant can choose the number and amount of the instalments for this loan according to his affordability.
  6. Minimum Documentation: The documents needed by the banks to avail of these loans are basic documents.
  7. Credit Score: Some of the applicants apply for these loans to improve their credit scores.

How to apply for a Personal Loan in Dehradun?

Applying for a personal loan is easy with DialaBank. Get an instant personal loan by applying online with DialaBank. Just follow the steps below to enjoy a hassle-free experience:

  1. Visit our website Dialabank.
  2. Go to the loan section and click on the personal loan link.
  3. The applicant will be required to fill in all the details of themselves.
  4. Click on Request a quote and our relationship manager will soon get in touch with you.
  5. For more information and free guidance, you may call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Dehradun

Every Bank and NBFC charges two kinds of fees for on Personal Loan application.

  1. The processing fee charges are mandatory for every ban/NBFC. The Personal Loan Dehradun processing fee is 1% of the sanctioned loan amount.
  2. The other is pre-closure charges applicable if you wish to foreclose your loan before the agreed loan tenure. 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 loan’s 4th year.

Personal Loan EMI Calculator Dehradun

Equated Monthly Installments also know as EMI is the monthly fixed amount that the customer or applicant has to pay to the bank as the loan amount. The applicant is the borrower in such cases, and the bank is the lender. EMI varies according to your loan amount and tenure. You can find the Personal loan EMI calculator on DialaBank’s website.

CIBIL Score required for Personal Loan Dehradun

CIBIL Score is the history of your payments that you have done in the past. The CIR (Credit Information Report) is the history of your credit score which checks your account’s history for different loans that you have taken (if any) and the credit card history (if you have).

  1. Mostly a CIBIL score of 750 and above is considered good while applying for a personal loan.
  2. The better the CIBIL score, the easier it becomes to avail of the loan.

personal loan at 10.75%*

Personal Loan Dehradun Agents

Dialabank is associated with various banks and NBFCs in Dehradun that provide personal loans at low interest rates. Thus, DialaBank is the leading agent for availing of Personal Loan Dehradun. You can also apply online at Dialabank or give a call at 9878981166.

  1. We do not charge any extra fees from our customers.
  2. We are always ready to help our applicants and are available 24/7.
  3. The approval process is time-saving if you apply through DialaBank.
  4. The Loan gets disbursed within 24 hours.
  5. Our experts will assist you, and our relationship managers will provide guidance.

Personal Loan Dehradun Contact Number

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

Pre Calculated EMI Table for Personal Loan Dehradun

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 Dehradun

Personal Loan Dehradun

Dehradun is the capital of Uttarakhand. It is in the centre of the heavenly Doon Valley and surrounded by the lower ranges of mountains in the Himalayas to the north and Shivalik mountain ranges to the south. Because of its geographical location, it is also called Doon Valley.

FAQs About Personal Loan Dehradun

✅ Who can apply for a Personal Loan in Dehradun?

People who urgently need cash and have a regular income source (from employment or business) can apply for a Personal Loan in Dehradun.

✅ What is the tenure of a Personal Loan in Dehradun?

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 that 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 Dehradun?

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

Processing Fee: For every bank or lending institution you borrow from, there is a small fee that they charge from the customer. This is known as Processing Fee. The personal loan Dehradun processing fee is 1% 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 Dehradun get rejected due to my CIBIL score?

Since a 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 to decrease your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.

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