Major Personal Loan Providers in Dum Dum
Feature
HDFC Bank
Private Bank
Bajaj Finance
Interest Rate
10.75% - 17%
11.25% - 18.5%
0.12
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
Preclosure Charges
2%, Nil foreclosure charges after 12 months
2%, Nil foreclosure charges after 24 months
Nil
Overdraft Facility
No
No
Yes
Personal Loan Dum Dum Features
Are you in search of external financial help to fulfil your individual requirements? If it is true, then you can avail of a personal loan dum dum. It’s a loan that may be used for various purposes like paying debts, going for a vacation, paying tuition fees, and lots more. The loan offers a solution to any or all problems of monetary needs and cash urgently.
This loan is unsecured in nature, with minimal documentation and less paperwork. This loan can get approved within 2 days or 48 hours after the verification process. a private loan will facilitate you to beat your financial crisis.
As the name suggests, a private Loan is also opted by a private thanks to an urgent requirement of money, for instance, any medical issue, education purpose, or wedding or to fulfil any of your other personal needs. This is often a life-saver option.
To get a loan, the applicant has to have a rigid and good source of income and an honest credit history. Furthermore, there’s no end-use restriction on the employment of the personal loan.
Personal Loan Dum Dum Interest Rates
To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates
Bank
Processing Fee
HDFC Bank Personal Loan
0.25% to 1.50%
Axis Bank Personal Loan
0.50% to 1.50%
Nil
Private Bank Personal Loan
0.25% to 1.50%
SBI Personal Loan
500/- to 0.50%
Nil
Kotak Personal Loan
1% to 2%
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
Documents for Personal Loan Dum Dum
The documents required for a personal loan varies from a salaried customer to a self-employed customer within the following manner:
Salaried Customers:
- Identity proof (Aadhar card/driving license)
- PAN Card
- Residence Proof (Owned/Rented/Company provided)
- Salary slips of last three months
- Bank statements for the last 6 months
- Passport-sized photographs – 2
- In the case of rented apartments, a rent agreement needs to be attached.
Self-Employed Customers:
- All financials are required (Balance Sheet, P&L Statement as well as ITR files)
- PAN Card
- Aadhar Card
- Residence Proof
- Two passport-sized photographs
PERSONAL LOAN
Interest Rate 9.99%
Eligibility Criteria for Personal Loan Dum Dum
The personal loan eligibility criteria for both Salaried and Self-Employed are different. It’s supported the bank, which has got to approve the request of the applicant regarding the credit. There are two categories of applicants:
- Salaried
- Self-employed
There are various eligibility criteria for both applicants:
Salaried Applicants
- The minimum age requirements of individuals should be 21 years and a maximum of up to 60 years.
- The applicants must have work experience of three years. And the salary should be received in their accounts only.
- The applicants must have an absolute credit history.
- The job location of the applicant should be mentioned.
Self-Employed Applicants
- The minimum age requirement for an independent person should be 25 years.
- The ITR for the last three years.
- Financial and his statements for the previous three months.
- If a businessman, then the business should be running for the past three years.
- The credit score of the individual applicants should be good.
- The annual income of the applicants should be a minimum of Rs 2.5 lakh.
Why Apply for Personal Loan Dum Dum?
- No Securities: The securities for these loans aren’t required. These loans are supported by the monthly or annual income of the applicants.
- Interest Rates: These loans have a really competitive rate of interest. A number of the banks offer the most cost-effective loans in this category.
- Tenure: The fundamental quantity of those loans will be extended to five years. There are a number of exceptions too.
- Quick Processing: The loans are processed in no time after the verification of the documents.
- EasyInstallments: the amount and amount of the instalments will be chosen by the applicant for this loan per his affordability.
- Minimum Documentation: The documents needed by the banks to avail of those loans are basic documents.
- Credit Score: a number of the applicants apply for these loans to boost their credit scores.
How to apply for Personal Loan Dum Dum?
Applying for a personal loan is simple with DialaBank. Get an instant personal loan by using the online platform of DialaBank. Just follow the steps below to enjoy a hassle-free experience:
- Open the website www.dialabank.com.
- Move to the loan section and click on the loan link.
- The applicant is required to fill in all the significant points of their personal background.
- Click on the asking a quote tab, and our relationship manager will soon get in reality with you.
- For more information and free guidance, you’ll invoke 9878981166.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fee / Prepayment Charges on Personal Loan Dum Dum
Every Bank and NBFC charges two forms of cost for a Personal Loan application.
- The mandatory component of fee charges is separate for each bank or NBFC, and the costs generally vary between 1% to 2.5% of the sanctioned amount.
- The other part is the pre-closure charges which are applied in case you want to let off your loan amount prior to the loan tenure. In general scenarios, you can’t close your loan before 12 months. Post that, the fees vary on the number of years the loan has been completed. These charges tend to go from 4% of the outstanding loan amount within the 2nd year to twenty-eight within the 4th year of the loan.
Personal Loan Dum Dum EMI Calculator
Equated Monthly Installments, also known as EMI, is the monthly fixed amount that the customer or applicant should pay to the bank because of the loan amount. EMI varies in line with your loan amount and tenure. You’ll be able to find the Personal loan EMI calculator on Dialabank’s website.
CIBIL Score required for Personal Loan Dum Dum
CIBIL Score shows the history of your payments that you just have worn out in the past. Credit Information Report or CIR generates the history of your credit score based on your account’s history for various loans that you have availed (if any) and also the credit history (if you have).
- Mostly a CIBIL score of 750 and above is taken into account good while applying for a personal loan.
- The better the CIBIL score, the better it becomes to avail of the loan.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Dum Dum Agents
Dialabank is related to various banks and NBFCs in Dum Dum that provide personal loans at low interest rates. Thus, DialaBank is the leading agent for availing Personal Loan in Dum Dum. Apply with us at dialabank or give us a call at 9878981166.
- We do not charge any extra fees from our customers.
- We are always able to help our applicants and are available 24/7.
- The Loan gets disbursed within 24 hours.
- Our experts will assist you, and our relationship managers will provide guidance.
Personal Loan Dum Dum Contact Number
Call 9878981166 and get instant help and approval for Personal Loan Dum Dum.
Pre Calculated EMI Table for Personal Loan Dum Dum
About Dum Dum
Dum Dum is a municipal corporation of the North 24 Parganas district within the Indian state of the state. It’s situated near Kolkata and is also an element of the world covered by the Kolkata Metropolitan Development Authority.
FAQs About Personal Loan Dum Dum
✅ Who can apply for a Personal Loan in Dum Dum?
People who have an urgent need for cash and have an everyday source of income (from employment or business) can apply for a Personal Loan in Dum Dum.
✅ What is the tenure of a Personal Loan in Dum Dum?
Most banks and NBFCs provide a private Loan for a min period of 1 Yr and a Max period of 5 Years. There are some Banks which extend the most period to 7 Years also. The tenure is fixed and can’t be opened. The repayment should be divided into the same monthly instalments within the agreed term of the loan.
✅ Are there any other charges involved in Personal Loan Lucknow?
Yes, there are 2 sorts of charges that one has to pay so as to avail a private loan Dum Dum:
- Processing Fee: From every bank or non-banking institution that you borrow from, there’s a nominal fee that they charge from the customer. This is often known as the Processing Fee. The amount of processing fee levied varies depending on the financial institution and tended to lie between 1% and a pair of 0.5% of the loan amount.
- Pre-closure Charges: In a scenario, you wish to shut a running loan beforehand, the Banks and NBFCs charge an additional amount called pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges vary, counting on what number of years has your loan been completed before you choose to pre-close it.
✅ Can my application for Personal Loan Lucknow get rejected due to my CIBIL score?
Since the loan is not a secured one, one of the significant decision steps for availing of the loan is the CIBIL Score. It is extremely important to have a High CIBIL score in order to avail of the Loan within the timeframe. Confirmation is required that you don’t skip any of your loan EMI payments or any MasterCard payments as that may end in lowering your CIBIL score. Most of the time, loan rejections happen thanks to an occasional CIBIL Score.
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