Personal Loan Dombivli

⋆ Interest Rate 9.99% ⋆

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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 Dombivli

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 Dombivli Features

Personal Loan DombivliWe all have dreams and desires which we want to full-fill. Somebody wants to start his restaurant or someone thinking about an exotic vacation to Hawaii. With a Personal Loan, everything is possible. As the name suggests, you can use the loan amount in any way without having to worry about the restrictions. You can use the loan amount to pay your medical expenses, or you can use the loan amount to fund your child’s wedding.

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

  1. A Guarantor is not needed in Personal Loan.
  2. It will help you to enhance your credit score.
  3. It does not require the borrower’s asset to be kept as security.
  4. It is a multipurpose loan which can fulfill all your requirements.
  5. The amount of Loan depends upon the income of the persona and his repayment capabilities.

Personal Loan in Dombivli 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 Dombivli

Documents required to avail a personal loan vary for salaried customers and self-employed ones. The following are the important documents for both kinds of customers:

Salaried Customers:

  1. PAN Card
  2. Residence Proof (Owned/Rented/Company provided)
  3. Passport-sized photographs – 2
  4. Identity proof (Aadhar card/driving license)
  5. Salary slips of last three months
  6. Bank statements for the last 6 months

*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 in Dombivli Eligibility Criteria

The Personal loan eligibility criteria also differ for both Salaried and Self-Employed customers:

Salaried Applicants

  1. An applicant applying for the Personal Loan must have a good credit history.
  2. The minimum age of an applicant should be 21 years and a maximum of up to 60 years.
  3. An applicant has to submit his bank statement of the last three months and salary slip of the last 6 months.
  4. The applicant must have three years of work experience, and the salary should be received in their account only.
  5. An applicant from the metropolitan city should have a minimum income of Rs 18,000. And for the non-metropolitan city, the minimum salary should be Rs 12,000.

Self-Employed Applicants

  1. The age of the applicant should be 25 years.
  2. The credit score of the applicant must be good.
  3. The minimum amount should be Rs 2.5 lakhs per annum at least.
  4. The applicant applying for a Personal Loan should file ITR for the last three years.
  5. If the applicant is a businessman, then his business should be running at least the last three years.
  6. The whole documentation process is straightforward; the applicant has to submit his financials and his bank statement of the previous three months.

How to apply for Personal Loan in Dombivli?

To apply for an Instant Personal Loan Dombivli, Applicants don’t need to visit the bank’s branch as applicants can apply for it online at DialaBank.com. The process is very easy & handy. This involves only a few steps:

  1. Visit www.dialabank.com.
  2. Fill in the required details like name, income, location, etc.
  3. Choose a personal loan option from the box.
  4. Click on Request a quote.
  5. Wait as our relationship manager will soon get in touch with you.
  6. For more information and free guidance, you may call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan in Dombivli

Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges vary between 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 known as the Pre-closure charges. 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 1% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.

Personal Loan EMI Calculator Dombivli 

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, income, loan amount, and tenure the interest rate on your loan is determined. Your EMI is calculated basis the Interest Rate you are charged by the bank which is required to be paid every month.

You can also determine your EMI using the Personal loan EMI Calculator.

CIBIL Score required for Personal Loan Dombivli

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Dombivli. Most institutions require a minimum score of 750 to process your loan application. Others might look into other factors like income and job stability to process the loan.

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 Dombivli Agents/Broker

Personal Loan DombivliDialabank helps you in comparing various banks and NBFCs so that you can avail of the best offers available according to your need. DialaBank is your best agent available for a personal loan in Dombivli. Our relationship manager will ensure you get the best loan at the lowest possible interest rate with hassle-free documentation.

Personal Loan Dombivli Contact Number

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

Pre Calculated EMI Table for Personal Loan Dombivli

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 Dombivli

Dombivli is a suburban city in the district of Maharashtra located in the Konkan division and part of Mumbai’s metropolitan region located about 48 km from the city of Mumbai. The land here is rough and rocky by nature with a warm and humid climate.

Who can apply for a Personal Loan in Dombivli?

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 Dombivli.

What is the tenure of Personal Loan in Dombivli?

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 installments within the agreed tenure of the loan.

Are there any other charges involved in Personal Loan Dombivli?

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

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  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 Dombivli 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 as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.

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