Personal Loan Gulbarga

⋆ Interest Rate 9.99% ⋆

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      Rates as low as 9.99%*
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      Table of Contents

      Personal Loan Gulbarga

      Best Banks for Personal Loan in Gulbarga

      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 Gulbarga Features

      Personal loan GulbargaPersonal Loan Gulbarga is one of the most authentic financial services which is of great significance in an internet-oriented world. Personal Loan Gulbarga is an unsecured loan that does not include any of the borrower’s assets to be kept as a piece of security with the lender or the bank that will be sanctioning your loan amount.

      You can any time go for a personal loan at times of monetary troubles or any other money-related issues prevailing you or your family. Personal Loan Gulbarga is one of the easiest and perhaps a satisfactory method of getting cash in hand instantly. It is a versatile credit facility that can tackle a wide range of money matters for eg. money required for your child’s education, going for emergency or unplanned trips, marriage within family medical issues, etc.

      Personal Loan in Gulbarga 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 Gulbarga

      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. PAN Card
      2. Aadhar Card
      3. Residence Proof
      4. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
      5. Two passport-sized photographs

      personal loan at 10.75%*

      Personal Loan in Gulbarga Eligibility Criteria

      The eligibility criteria for personal loan for both Salaried and Self-Employed for a Personal Loan Gulbarga are different:

      Salaried Applicants

      1. The salary should be stable and regular.
      2. Age criteria: 21-60 years of age.
      3. Experience at Work Place: overall experience should be of 3 years and experience of 1 year in the current job.
      4. Most importantly, you should possess a CIBIL score of more than 700.
      5. Lastly, a person who gets his salary cash in hand is also not eligible for availing a personal loan. You must have your salary slips for proof.

      Self-Employed Applicants

      1. The age of the borrower varies from 25 years to 65 years.
      2. Should have filed annual Income Tax Returns of 2.5 to 3 Lakh.
      3. Residence Proof: Should own an office or house of his own.
      4. Stability at Workplace: Should own a financially stable business that is being run for the last 3 years.
      5. Again, most importantly should possess a CIBIL score of more than 700.

      Click here to know more – Self-employed Applicant

      Why Apply for Personal Loan in Gulbarga?

      1. There is no need to provide any mortgage and collateral security to the bank.
      2. A personal loan is a multi-purpose offer loan. It can be used for all the troubles related to finance.
      3. The amount of personal loan depends on the repayment of individual income and capacity.
      4. A Personal Loan does not require any nominee.

      How to apply for Personal Loan in Gulbarga?

      The online process is hassle-free and easy with DialaBank. Just follow the following steps:
      1. Visit our official web portal, i.e. www.dialabank.com.
      2. Then, apply for a Personal Loan online.
      3. Enter your contact details so that we can contact you back.
      4. For more information about personal loans, you may call on 9878981166.

      personal loan at 10.75%*

      Processing Fees / Prepayment Charges on Personal Loan in Gulbarga

      Banks charge you 2 types of fee on personal loan:

      1. Every Bank and NBFC charges processing fees for your Personal Loan Gulbarga application. These charges are 1% of the loan amount.
      2. In case you want to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. After that, the charges vary depending on the tenure duration. These charges range from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.

      Personal Loan EMI Calculator Gulbarga

      Equated Monthly Installments(EMI) is the monthly fixed payments that you pay to the bank as monthly repayment for the loan amount borrowed.  Based on your depiction, the interest rate on your loan is determined. Your EMI is calculated basis the Interest Rate that charged by the bank and the amount of loan, the loan tenure.

      Personal Loan EMI Calculator is available on our website for giving you easy accessibility.

      CIBIL Score required for Personal Loan Gulbarga

      CIBIL Score defines a person’s ability to pay loans in the past. The higher the Cibil Score more easily he can access a personal loan. Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan Gulbarga application.

      Most institutions need a minimum score of 750 to process your loan application. Others can consider a 700-750 CIBIL score average enough to sanction the loan. They analyze all details on the loan type and the amount borrowed. Any delayed payments for previous loans can create a barrier to your availing of a fresh loan.

      personal loan at 10.75%*

      Personal Loan Gulbarga Agents/Broker

      Dialabank is the leading agent for availing Personal Loan in Gulbarga. You can apply online or give a call at 9878981166.

      1. The approval process is time-saving if you apply through DialaBank.
      2. The Loan gets disbursed within 24 hours.
      3. Our experts will assist you, and our relationship managers will provide guidance.
      4. And you get all this for free. No charges charged by DaialaBank.

      Dialabank helps you to find the best option of Banks and NBFCs by offering you with a detailed market comparison of different banks so that you can make the right choice. Our customer relationship managers will contact you.

      Personal Loan Gulbarga Contact Number

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

      Pre Calculated EMI Table for Personal Loan Gulbarga

      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 Gulbarga

      Gulbarga also was known as Kalaburagi is a city situated in Karnataka in South India. It is the administrative headquarter of Gulbarga district and a major city of the Northern Karnataka. Gulbarga is 623 km north of the state capital city of Bangalore and 220 km away from Hyderabad.

      Major Localities in Karnataka for availing Personal Loan

      Personal Loan Hassan Personal Loan Haveri
      Personal Loan Hiriyur Personal Loan Hunsur
      Personal Loan Jamkhandi Personal Loan Jigani
      Personal Loan Kadur Personal Loan Kalavar

      FAQs About Personal Loan Gulbarga

      Who can apply for a Personal Loan in Gulbarga?

      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 Gulbarga.

      What is the tenure of Personal Loan in Gulbarga?

      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 Gulbarga?

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

      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 1% 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 Gulbarga 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 result in decreasing your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.