Personal Loan Ghaziabad

⋆ 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 Ghaziabad

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 Ghaziabad Features

Personal Loan Ghaziabad

Personal Loan GhaziabadA 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 with minimum documentation and 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 from 12 to 60 months.

Personal Loan in Ghaziabad 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 Ghaziabad

Salaried Customers:

  1. Ration Card, Electricity Bill, and Telephone Bill.
  2. Sale /Property purchase agreement (for owned properties).
  3. 3 Months Bank Statement of the applicant to show income stability.
  4. Latest 3 months salary slips of the applicant.

*NOTE: In case of rented apartments, rent agreement needs to be attached.

Self-Employed Customers:

  1. Ration Card, Electricity Bill, and Telephone Bill.
  2. Office Address proof of the owner of the business.
  3. Residence proof or proof of office ownership.
  4. Audited financials of the business for the last two years.
  5. Latest 6 Months Bank Statement of the applicant to show the stability of the business.
  6. Proof of continuity of the business.

Personal Documents:

  1. Age Proof
  2. Identity Proof
  3. Photo and signature.
  4. Aadhar Card, Pan Card, Driving License, and Passport.
  5. Personal loan form filled and signed by the applicant.

personal loan at 10.75%*

Personal Loan in Ghaziabad Eligibility Criteria

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

Salaried Applicants

  1. Applicants must have Indian Nationality.
  2. Applicants should be within 23 to 58 years of age.
  3. The minimum monthly income of the applicant must be Rs.17,500.
  4. Minimum of 2 years of experience in job/profession.
  5. Minimum of 1 year stay in current residence.
  6. The applicant’s credit score should be 750 or above.

To know more about: Personal Loan for Salaried Applicant

Self-Employed Applicants

  1. Applicants must have Indian Nationality.
  2. Applicants should be 28 years (self-employed individuals) and 25 years (for doctors) and the maximum age-eligible is 65 years.
  3. Minimum Turnover is Rs. 40 lakh for non-professionals and Rs. 15 lac for professionals as per audited financials.
  4. Minimum profit after taxes Rs. 2 lac for private Firm or Self Employed Individuals, Rs. 1 lac for non-professionals as per audited financials.
  5. Individuals should be operating in the current business for at least 5 years.
  6. The applicant’s credit score should be 750 or above.

To know more about: Personal Loan for Self-employed Applicant

How to apply for Personal Loan in Ghaziabad?

To apply for an Instant Personal Loan Ghaziabad, 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. 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 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 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 Ghaziabad

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Ghaziabad. 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 Ghaziabad Agents/Broker

Personal loan GhaziabadDialabank is the leading agent for availing Personal Loan in Ghaziabad. You can apply online at www.dialabank.com or give a call at 9878981166

Dialabank helps you to find the best option of Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can 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 Personal Loan in Ghaziabad.

Pre Calculated EMI Table for Personal Loan Ghaziabad

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 Ghaziabad

Personal Loan GhaziabadGhaziabad 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 that was 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 Personal Loan in Ghaziabad?

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 Ghaziabad?

Yes, there are 2 types of charges that one needs to pay in order to avail 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 amount of 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 has your loan completed before you decide to pre-close it.

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

Since 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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