Personal Loan Delhi

⋆ 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 Delhi

        Best Banks for Personal Loan in Delhi

        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 Delhi 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

        Click here to get an instant personal loan

        personal loan delhi

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

        Personal Loan Delhi is an unsecured loan that provides financial help to customers at affordable interest rates. To avail Personal Loan, an applier needs to have a rigid and good source of income and has a good credit history.

        Additionally, there is no end-use limitation on the use of the personal loan amount. You can utilize this loan amount anywhere you desire to do.

        Personal Loan in Delhi Interest Rates – Apr 14 2024

        To apply for a personal loan in Delhi click on Personal Loan

        Name of the Bank Interest Rate Range Processing Fee Range Loan Amount Tenure
        Private 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

        Interest Rate 9.99%

        +91

        Personal Loan Delhi Fees & Charges – Apr 14 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

        Documents Required for Personal Loan in Delhi

        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

        Interest Rate 9.99%

        +91

        Personal Loan in Delhi Eligibility Criteria

        Click here to check more about personal loan eligibility

        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. The minimum age requirement of the individual must be 21 years.
        2. The maximum age requirement of the individual is 60 years.
        3. The applicants must have work experience of three years. And the salary must be received in their accounts only.
        4. The applicants must have a good credit history.
        5. The job location of the applicant must be mentioned.
        6.  A borrower must have a minimum income of INR 25,000 per month.

        Click here to know more about a personal loan for- Salaried Applicant

        Self-Employed Applicants

        1. The minimum age requirement for an individual should be 25 years.
        2. The applicants applying for the personal loan must have the ITR file for the last three years.
        3. If the applicants are the businessman, then the business must be running from the past three years.
        4. The credit score of the individual should be good. There should not be any dues left.
        5. The annual income of the consumers 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.

        Click here to know more about the personal loan for– Self-employed Applicant

        Why Apply for a Personal Loan in Delhi?

        1. There is no need to deposit any 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 a personal loan depends upon the repayment of individual income.
        4. Personal Loan does not require any security.

        How to apply for Personal Loan in Delhi?

        1. Visit www.dialabank.com.
        2. Go to the loan section and tap on the personal loan link.
        3. The candidate will be directed to all details of the personal loan where they can select their preferred city.
        4. For more information and free assistance, you may call on 9878981166.

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Processing Fees / Prepayment Charges on Personal Loan in Delhi

        Every Bank and NBFC charge a processing fee for the application of your Personal Loan. These charges are 1% of the 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 can’t close your loan before 12 months. Post that the charges depend on how many years the loan has done. These charges range from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.

        Personal Loan EMI Calculator Delhi

        Equated Monthly Installments also know as EMI that are the monthly fixed payments that you pay to the bank for the loan amount borrowed.  Based on your profile, the interest rate on your loan is determined. Your EMI can be calculated on the basis of 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 Delhi

        Every lending foundation has its own criteria for the minimum CIBIL score needed for processing a Personal Loan application in Delhi. Most institutions demand 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 that you have taken. This includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as an obstacle for availing of a fresh loan.

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Personal Loan Delhi Agents/Broker

        Dialabank is the leading agent/broker for getting a Personal Loan in Delhi. You can apply online at www.dialabank.com or also give a call at 9878981166

        Dialabank assists you to find the best option for Banks and NBFCs by providing you with a detailed market comparison of various banks so that you can make the right choice. Visit our website www.dialabank.com and fill a simple form with your details. Our customer relationship managers will contact you.

        Personal Loan Delhi Contact Number

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

        Pre Calculated EMI Table for Personal Loan Delhi

        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 Delhi

        personal loan delhi

        Delhi formally the National Capital Region of Delhi (NCR), is a city and state of India containing New Delhi, the capital of India. Delhi shares its borders with the state of Haryana on three sides and by Uttar Pradesh to the east. According to the census in  2011, the population of the city Delhi was 11 million (second after Mumbai) and the population of the entire NCR was 16.8 million.

        FAQs About Personal Loan Delhi

        Who can apply for a Personal Loan in Delhi?

        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 Delhi.

        What is the tenure of a Personal Loan in Delhi?

        Most of the Banks and NBFCs provide a Personal Loan for a minimum loan tenure period of 1 Yr and a maximum period of 5 Years. There are some Banks which enlarge the maximum period to 7 Years also. The tenure is set and cannot be extended. The repayment has to be done in equal monthly instalments within the agreed tenure of the loan.
        You can also fill out an inquiry form and apply online at Dialabank’s digital platform for better convenience and personalized assistance.

        ✅ Are there any other charges involved in a Personal Loan in Delhi?

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

        Processing Fee: For every bank or lending foundation that you borrow from, there is a fee that they charge from the customer. This is called a Processing Fee. The processing fees vary for each lending institution and is normally 1% of the loan amount.

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