Best Banks for Personal Loan in Ghaziabad
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 in Ghaziabad Features
A Personal Loan can help you meet your diverse financial needs – be it easy finance for a holiday, quick funds to take care of last-minute wedding expenses, medical emergencies, or just cash to buy a gadget. Personal Loan Ghaziabad provides minimum documentation and a hassle-free process.
There are a lot of advantages and benefits associated with Personal Loan Ghaziabad.
- Online services allow the customer to keep track of the application status and get any assistance 24×7.
- Minimum documents needed.
- The loan amount ranges from Rs. 75,000 to Rs. 1 cr.
- Once the application is approved, the amount is credited to the account within three seconds.
- The interest rate is very competitive and remains fixed throughout the loan tenure.
- Applicants need not provide any collateral or security.
- The flexibility to choose the loan tenure. Applicants can apply for a loan for 12 to 60 months.
Personal Loan in Ghaziabad 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 Required for Personal Loan in Ghaziabad
Salaried Customers:
- Ration Card, Electricity Bill, and Telephone Bill.
- Sale /Property purchase agreement (for owned properties).
- 3 Months Bank Statement of the applicant to show income stability.
- Latest 3 months salary slips of the applicant.
*NOTE: In the case of rented apartments, a rent agreement needs to be attached.
Self-Employed Customers:
- Ration Card, Electricity Bill, and Telephone Bill.
- Office Address proof of the owner of the business.
- Residence proof or proof of office ownership.
- Audited financials of the business for the last two years.
- Latest 6 Months Bank Statement of the applicant to show the stability of the business.
- Proof of continuity of the business.
Personal Documents:
- Age Proof
- Identity Proof
- Photo and signature.
- Aadhar Card, Pan Card, Driving License, and Passport.
- Personal loan form filled and signed by the applicant.
PERSONAL LOAN
Interest Rate 9.99%
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan in Ghaziabad Eligibility Criteria
Personal Loan Eligibility criteria for both Salaried and Self-Employed are different:
Salaried Applicants
- Applicants must have Indian Nationality.
- Applicants should be within 23 to 58 years of age.
- The minimum monthly income of the applicant must be Rs.17,500.
- Minimum of 2 years of experience in job/profession.
- Minimum of 1 year stay in current residence.
- The applicant’s credit score should be 750 or above.
To know more about: Personal Loan for Salaried Applicant
Self-Employed Applicants
- Applicants must have Indian Nationality.
- Applicants should be 28 years (self-employed individuals) and 25 years (for doctors), and the maximum age-eligible is 65 years.
- Minimum Turnover is Rs. 40 lakh for non-professionals and Rs. 15 lac for professionals as per audited financials.
- Minimum profit after taxes Rs. 2 lac for private Firms or self-employed individuals, Rs. 1 lac for non-professionals as per audited financials.
- Individuals should be operating in the current business for at least 5 years.
- The applicant’s credit score should be 750 or above.
To know more about: Personal Loan for Self-employed Applicant
How to apply for a Personal Loan in Ghaziabad?
Applicants don’t need to visit the bank’s branch to apply for an Instant Personal Loan Ghaziabad, as they can apply for it online at DialaBank.com. The process is straightforward & handy. This involves only a few steps:
- Visit Dialabank.
- Go to the loan section and click on the personal loan link.
- The applicant will be directed to all personal loan details where they can choose their preferred city.
- For more information and free guidance, you may call on 9878981166.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fee / Prepayment Charges on Personal Loan in Ghaziabad
Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges vary between 1.5% to 2.5% of the sanctioned loan amount.
- Rate of Interest: 9.99% per annum.
- Loan Processing Charges: Up to 1% of the loan amount + GST.
- Prepayment Charges: 5% on principal outstanding + GST.
- Additional Charges on Late Payment: 24% per annum.
- Loan Cancellation Charges: ₹ 3000/- + GST.
- EMI Bounce: ₹ 400 per bounce +GST.
Personal Loan EMI Calculator Ghaziabad
Equated Monthly Installments, also known as EMI, are the monthly fixed charges 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 the bank charges you, the amount of loan you have to take, and the period you enjoy the loan.
To calculate your EMI: Personal Loan EMI Calculator
CIBIL Score required for Personal Loan Ghaziabad
Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Ghaziabad. However, 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 of the previous loans. 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 of a fresh loan.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Ghaziabad Agents/Broker
Dialabank is the leading agent for availing Personal Loan in Ghaziabad. You can apply online at Dialabank or give a call at 9878981166
Dialabank helps you find the best option for Banks and NBFCs by providing you with a detailed market comparison of different banks to make the right choice. Visit our website www.dialabank.com and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.
Personal Loan Ghaziabad Contact Number
Call 9878981166 and get instant help and approval for a Personal Loan in Ghaziabad.
Pre Calculated EMI Table for Personal Loan Ghaziabad
About Ghaziabad
Ghaziabad is the capital of southern India’s Telangana state. A major center for the technology industry, it’s home to many upscale restaurants and shops. Its historic sites include Golconda Fort, a former diamond-trading center once the Qutb Shahi dynastic capital. Ghaziabad has many religious places. Many festivals are celebrated in Ghaziabad.
FAQs About Personal Loan Ghaziabad
✅ Who can apply for a Personal Loan in Ghaziabad?
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 Ghaziabad.
✅ What is the tenure of a Personal Loan in Ghaziabad?
Most banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. Some Banks 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 Ghaziabad?
Yes, there are 2 types of charges that one needs to pay to avail of a personal loan in Ghaziabad:
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 processing fee varies for each lending institution and is normally between 1% and 2.5% 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 your loan has been completed before you decide to pre-close it.
✅ Can my application for Personal Loan Ghaziabad 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 decrease your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.
