Personal Loan Guna

⋆ 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

Major Personal Loan Providers in Guna

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 Guna Features

Personal Loan GunaYou can come across an uncalled financial crisis at any point of time. A personal loan is a way to meet the constraints. You can do a lot of things, starting from getting your house renovated to going on a holiday with your family. There is no collateral mortgaging required. It is a simple and hassle-free process as only minimal documentation is required.

Personal Loan Guna is a type of unsecured loan that provides financial support to the customers at low interest rates. To get a Personal Loan, the applicant needs to have stable source of income and good CIBIL score.

Furthermore, there is no end-use restriction on the use of the personal loan amount. You can use this loan amount anywhere you want to do.

Personal Loan Guna 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 for Personal Loan Guna

Salaried Customers:

  1. 2 recent passport size color photographs
  2. Proof of Identity (Aadhar card/driving license/ Passport copy)
  3. Salary slips of last three months  must be provided
  4. PAN Card
  5. Bank statements for the last 6 months to be submitted
  6. Address proof such as Aadhar Card/ Telephone bill/ Voters ID, etc.

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

Self-Employed Customers:

  1. 2 recent passport size color photographs
  2. Proof of Identity (Aadhar card/driving license/ Passport copy)
  3. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
  4. PAN Card
  5. Bank statements for the last 6 months to be submitted
  6. Address proof such as Aadhar Card/ Telephone bill/ Voters ID, etc.

personal loan at 10.75%*

Eligibility Criteria for Personal Loan Guna

The eligibility criteria for both Salaried and Self-Employed are different:

Salaried Applicants

  1. The applicants must have a decent credit score
  2. Borrower’s minimum age must be 21 years and maximum age must be 60 years
  3. Minimum 3 years of work experience with salary being received in the personal account
  4. The job location of the applicant should be mentioned.

Self-Employed Applicants

  1. 25 years is the minimum age for self-employed applicant
  2. The borrower should file ITR for the last three years.
  3. If the applicants are the businessman, then the business should be running from the past three years.
  4. The CIBIL score of the borrower should be good without any debt or dues left.
  5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
  6. The applicants have to submit his financial and his bank statement of the previous three months.

Click to know more about eligibility: Personal Loan Eligibility

Why Apply for Personal Loan Guna?

  1. No collateral security or mortgage is needed to be deposited
  2. A personal loan is a multi-purpose offer loan. It can be used for all the problems related to finance.
  3. The amount of personal loan depends upon the repayment of borrowers income and capacity
  4. No guarantor or nominee is needed.

How to apply for Personal Loan Guna?

  1. Visit www.dialabank.com.
  2. Go to the loan section and click on the personal loan link and fill in your necessary details
  3. The applicant will be directed to all details of the personal loan where they can choose their preferred city and provide all documents
  4. For more information call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Guna

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.

In case you wish 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. Post that the charges vary depending on how many years the loan has done. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.

Personal Loan Guna EMI Calculator

Equated Monthly Installments also know as EMI are the monthly fixed charges that you pay to the bank as repayment every month for the loan amount borrowed.  Based on your profile, the rate of interest 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.

Click to know more about EMI Calculator: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Guna

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

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

Personal Loan Guna Contact Number

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

Pre Calculated EMI Table for Personal Loan Guna

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 Guna

Guna is a district in the state of Madhya Pradesh. Language spoken is hindi. It has a population of 1240938.

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