Personal Loan Dharwad

⋆ 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 Dharwad

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 Dharwad Features

personal loan dharwadA personal loan is a kind of loan in which you borrow money from the bank or non-banking financial company to fulfill your particular needs. It is an unsecured loan. In a personal loan, you don’t need to pledge anything to the bank. One can easily afford a personal loan if he has a good source of income.

  1. There is no need to put any property or asset as collateral to the lender.
  2. It involves simple procedures and fast Loan approvals.
  3. There is no need to provide a cosigner to avail this loan.
  4. The amount borrowed can be used for almost all financial problems of life.

Personal Loan in Dharwad 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

Documents required for Personal Loan in Dharwad

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%*

Personal Loan Dharwad Eligibility Criteria

Personal Loan Eligibility criteria for both Salaried and Self-Employed are different:

Salaried Applicant:

  1. Firstly the age of the applicant should be more than 21 years.
  2. Secondly, if the borrower is residing in a metropolitan city should have a minimum income of Rs 18,000. And if the person is from a non-metropolitan city, then he should have a minimum salary of Rs 12,000.
  3. The borrower should have the work experience for the recent three years, and the salary should come in their account only.
  4. If a person is applying for a personal loan, then he must have a good credit score. The CIBIL score should be 750+.
  5. The documentation process is easy. The applicant has to submit their bank statement for the last three months and the salary slip of the last six months.

Self-employed Applicant:

  1. If a person is self-employed than the age of the applicant should be 25 years.
  2. The applicant should file ITR for the last three years.
  3. The credit score of the applicant should be good, and no debt should be left due.
  4. The ITR in which the applicant files should be of Rs 2.5 lakhs per annum at least.
  5. And the applicant has a business than his business should be running for the last three years.

Why Apply for Personal Loan Dharwad?

  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. Personal Loan does not require any guarantor or nominee.

How to apply for Personal Loan in Dharwad?

To apply for an Instant Personal Loan Dharwad, Applicants don’t need to visit the bank’s branch as applicants can apply for it online at DialaBank.com.

  1. Visit www.dialabank.com.
  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 in Dharwad

Every Bank and NBFC charges a fee for processing your Personal Loan Dharwad application. The processing fee for getting a personal loan in Dharwad is 1% of the 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.

Personal Loan EMI Calculator Dharwad

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.

To calculate your EMI: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Dharwad

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

Dialabank is the leading agent for availing Instant Personal Loan in Dharwad.

You can apply online at www.dialabank.com or give a call at 9878981166.

Personal Loan Dharwad Contact Number

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

Pre Calculated EMI Table for Personal Loan Dharwad

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 Dharwad

It is the district headquarters of Dharwad district in Karnataka state. Dharwad was originally merged with the city of Hubballi in 1961 and form the twin cities of Hubballi-Dharwad. The name Dharwad was derived from the Sanskrit word ‘dwarawata’: which means ‘dwara’ means ‘door’ and ‘wata’ means ‘town.’

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