Personal Loan Gaya

⋆ Interest Rate 9.99% ⋆

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      Why us?

      Rates as low as 9.99%*
      Loans Up to 30 Lacs
      Same Day Disbursal
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      Table of Contents

      Personal Loan Gaya

      Best Banks for Personal Loan in Gaya

      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 Gaya Features

      Personal loan GayaThe urgency of money can come across to any person. It could be an emergency like a requirement of the pending medical bills, car repair, or much more. At this crucial stage, Personal loans will assist you to get out of this crucial situation. 

      This loan is unsecured in nature and requires minimal documentation for approval. It can get approved within 48 hours once the verification process is complete. To get a Personal Loan in Gaya, the applicant is required to have a rigid and good source of income and also good credit history.

      There is no end-use restriction on the use of the personal loan amount so you can use this loan amount anywhere you want to do.

      Personal Loan in Gaya 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 Gaya

      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

      Self-Employed Customers:

      1. Financial statements in form of P&L sheets, balance sheets, etc.
      2. PAN Card
      3. Aadhar Card
      4. Residence Proof
      5. Two passport-sized photographs

      personal loan at 10.75%*

      Personal Loan in Gaya Eligibility Criteria

      The Personal Loan eligibility criteria are as follows:

      Salaried Applicants

      1. The age of applicants should be between 21 and 60 years.
      2. A minimum of 3 years of experience. 
      3. The applicants must have an excellent credit history.
      4. Job location of the applicant should be mentioned.
      5.  A borrower should have a regular salary.

      Self-Employed Applicants

      1. 2.5 lakh income to a minimum.
      2. Not less than 25 years of age.
      3. ITR filing is essential for the last three years.
      4. If the applicants are businessmen, then the business should be in the functioning and running state from the past three years.
      5. The credit score of the individual applicants should be good mostly preferred being 750+.

      Why Apply for Personal Loan Gaya?

      1. No Securities: Bank won’t ask you to deposit any security.
      2. Interest Rates: low rate of interest on personal loans
      3. Tenure: can be extended as per requirements
      4. Quick Processing: The loans are processed in a matter of a few hours.
      5. Minimum Documentation: Basic documents to be deposited.

      How to apply for Personal Loan in Gaya?

      Applying for Instant Personal loan in Gaya in a hassle-free manner is easy through the online process. 

      1. Visit www.dialabank.com.
      2. Choose the personal loan option from the loans available.
      3. Fill all the details of the personal loan and your valid contact number.
      4. You may also call on 9878981166 for any sort of help.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan in Gaya

      Every Bank and NBFC charges a definitely fixed processing fee which is mandatory and a fore-closure fee which is applicable only for some specific situation. 

      1. For processing your Personal Loan application in Gaya charges vary between 1% of the sanctioned loan amount.
      2. In case you wish to foreclose your loan application in Gaya before the agreed loan tenure, every lending institution charges you a penal prepayment fee. The charges vary between 4-2% according to the tenure left of the mentioned loan.

      Personal Loan EMI Calculator Gaya

      Equated Monthly Installments also know as EMI the amount an applicant has to pay every month.  The interest rate on your loan is decided on the basis of your income. Your EMI is calculated basis the Interest Rate you are charged by the bank or NBFC and the total amount of loan you have to take and the period for which you enjoy the loan. Use the Personal loan EMI Calculator available on our website for calculating it yourself.

      CIBIL Score required for Personal Loan Gaya

      Every lending institution and the bank has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Gaya according to their specifications. A CIBIL of 750 and above is always preferred to approve the loan amount.

      personal loan at 10.75%*

      Personal Loan Gaya Agents

      Dialabank is undoubtedly the leading agent for availing Personal Loan in Gaya as: 

      1. We are India’s first-ever financial helpline.
      2. We save you a lot of time.
      3. We provide you quick loan.
      4. We help you choose the best institution from all the options available in the market.

      Personal Loan Gaya Contact Number

      Call 9878981166 and get fast help and approval for Personal Loan in Gaya from DialaBank.

      Pre Calculated EMI Table for Personal Loan Gaya

      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 Gaya

      Gaya is a city situated on the banks of the Phalgu river in the state of Bihar in India. It is the second-largest city of the state and is bounded by small rocky hills on three sides and the river flowing on the fourth side of the city. The name of the city comes from the ancient mythological demon Gayasur.

      FAQs About Personal Loan Gaya

      Who can apply for a Personal Loan in Gaya?

      Anyone who has an urgent need for cash and has a regular source of income (from employment or business) can apply for a Personal Loan in Gaya.

      What is the tenure of Personal Loan in Gaya?

      Most of the Banks and NBFCs provide a Personal Loan in Gaya for a min period of 1 Yr and a Max period of 5 Years. The tenure may sometimes be extended up to 7 years. 

      Are there any other charges involved in Personal Loan Gaya?

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

      Processing Fee: A small fee of 1% for the processing of loan application and

      Pre-closure Charges: a penalty imposed for closing down the loan before the tenure which usually ranges 2-4%.

      Can my application for Personal Loan Gaya get rejected due to my CIBIL score?

      Yes, the application may be rejected due to a low CIBIL score as CIBIL is the primary requirement to be fulfilled to get a loan in Gaya.

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