Personal Loan Gudivada

⋆ 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 Gudivada

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 Gudivada Features

Personal loan GudivadaAre you looking for external financial aid to meet your personal requirements? If yes, then you can avail a personal loan in Gudivada. It is a loan that can be used for different purposes like paying debts, going for a holiday, paying tuition fees, marriage, and many more purposes. Personal Loan provides a solution to all financial problems and cash urgently.

This loan is unsecured in nature with minimal documentation and hassle-free paperwork. This loan can get approved within 48 hours after the verification process is completed. A personal loan will help you to overcome all your financial crisis as there is no end-use restriction on the use of the personal loan amount.

Personal Loan in Gudivada Interest Rates and Charges 

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

Personal Loan in Gudivada Documents Required 

Personal loan in Gudivada has certain documents requirements. These requirements are required to be fulfilled to avail of the personal loan. Some specific documents mentioned are as follows:

Salaried Customers:

  1. Identity proof in the form of Aadhar card/driving license or any other
  2. PAN Card submission
  3. Residence Proof in the form of Owned/Rented/Company to be provided.
  4. Salary slips of the last three months
  5. Bank statements for the last 6 months to be given
  6. Passport-sized coloured photographs – 2
  7. In the case of rented apartments, rent agreement is required to be attached.

Self-Employed Customers:

  1. All business financials are required in the form of Balance Sheet, P&L Statement as well as ITR files
  2. PAN Card submission
  3. Aadhar Card submission
  4. Any residence Proof 
  5. Two passport-sized photographs
personal loan at 10.75%*

Personal Loan in Gudivada Eligibility Criteria

The personal loan eligibility criteria for both Salaried and Self-Employed in Gudivada are different. It is based on the bank which has to approve the request of the applicant regarding the specific loan. There are two categories of applicants:

  1. Salaried
  2. Self-employed

There are various eligibility criteria for both kinds of applicants:

Salaried Applicants

  1. The minimum age requirements of individuals are 21 years while the maximum is up to 60 years.
  2. The applicants must have the total work experience of the three years. And the salary should be received in their individual bank accounts only.
  3. The applicants must have a good credit history with no pending dues.
  4. Job location of the applicant should be mentioned in the application.

Self-Employed Applicants

  1. The minimum age requirement for a self-employed person is 25 years.
  2. The applicants applying for the personal loan should have filed ITR for the previous three years.
  3. Financial statements pertaining to the past 3 months should be submitted.
  4. If the applicant is a businessman, then the business should be running from the past three years.
  5. The credit score of the individual applicants should be good and no pending due should exist.
  6. The annual income should be a minimum of Rs 2.5 lakh of the applicant.

Why Apply for Personal Loan Gudivada?

  1. A personal loan is a multi-purpose offer loan that describes its usage for all kinds of problems related to finance.
  2. The amount of personal loan depends upon the repayment of individual income and his capacity to repay.
  3. Personal Loan does not require any guarantor, co-applicant, or nominee.
  4. There is no need to deposit any mortgage in the form of security to the bank.

How to apply for Personal Loan Gudivada?

Applying for a personal loan in Gudivada is easy and instant with DialaBank. Just follow the steps below to enjoy a hassle-free experience:

  1. Visit our website dialabank
  2. Fill all your details and provide your location and valid contact number.
  3. Click on Request a quote and our relationship manager will get in touch with you on your given number.

For more information and free guidance, you may call our relationship manager on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Gudivada

Every Bank and NBFC charges two kinds of fee for on Personal Loan application in Gudivada.

  1. The processing fee charges are the mandatory charges for every bank/NBFC and vary between 1% to 2.5% of the sanctioned loan amount.
  2. The other is pre-closure charges which are applicable only in case you wish to foreclose your loan before the agreed loan tenure period. Post the tenure the charges vary depending on how many years the loan has left. These charges vary from 4% of the outstanding loan amount in the 2nd year to even 2% in the 4th year of the loan.

Personal Loan Gudivada EMI Calculator

You can easily pay low EMIs on personal loans in Gudivada which depends on your income. Equated Monthly Installments also know as EMI is the monthly fixed charge that the customer or applicant has to pay to the bank as repayment of the loan amount. The applicant is the borrower in such a situation and the bank is the lender. EMI varies depending on your loan amount and tenure. You can find the Personal loan EMI calculator on DialaBank’s website and calculate it for free.

CIBIL Score required for Personal Loan Gudivada

CIBIL Score is a total of the history of the payments that you have had in the past. The CIR (Credit Information Report) is the history of your credit score which accounts for your credit history for different loans that you have taken (if any) and the credit card history (if you have).

  1. A CIBIL score of 750 and above is considered excellent while applying for a personal loan.
  2. The higher the CIBIL score the easier it becomes to avail the loan.
  3. A CIBIL score of less than 750 will cause the bank/NBFC to check on other factors as well to locate your capability of repayment.

Get instant personal loan on applying online with DialaBank.

personal loan at 10.75%*

Personal Loan Gudivada Agents

Dialabank is associated with various banks and NBFCs in Gudivada that provide personal loans at low-interest rates. Thus, DialaBank is the leading agent for availing Personal Loan in Gudivada. You can also apply online at dialabank or give a call at 9878981166.

  1. We do not charge any sort of fee from our customers.
  2. We are always present to help our applicants and are available 24/7.
  3. The entire process becomes time-saving on applying through us.
  4. The Loan gets disbursed within 24 hours of applying through our agents.
  5. Our experts will assist you, and our relationship managers will provide guidance on every step of the personal loan.

Thus, for availing personal loans in Gudivada DialaBank is the immediate choice that will assist you in every step through our relationship manager.

Personal Loan Gudivada Contact Number

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

Pre Calculated EMI Table for Personal Loan Gudivada

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 Gudivada

Gudivada is a town located in Krishna district of the Indian state of Andhra Pradesh. It is also the municipality and the headquarters of the Gudivada Mandal in Gudivada revenue division and one of the cities in the state to be a part of the Andhra Pradesh Capital Region.

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