Personal Loan Gurdaspur

⋆ 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 Gurdaspur

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 Gurdaspur Features

Personal Loan GurdaspurAre you running short out of cash? Do not worry Personal Loan is available for you. With minimum documentation and quick process, we can get loan  This loan can get approved within 48 hours after the verification process.

A Personal Loan is mainly for the personal needs of people like debts, paying medicals, purchasing the latest gadgets, going for a vacation, and so on. it is unsecured, so it doesn’t need any type of collaterals or securities. So Dialabank can provide you with assistance to apply for a Personal loan.

Personal Loan in Gurdaspur Interest Rates and Charges 

  • The starting, 10.75% rate of interest, is granted on Personal Loan Gurdaspur.
  • The interest rates on these loans can be changed on the basis of the amounts of the loan, time period, and on the applicant’s profile.
  • The fee for processing is between 0.2% to 2.00% of the loan amount.
  • The rate of interest can be changed with the help of followings
  • A good Cibil score should be for the applicant to get a low rate of interest.
  • If the applicant is an employee of a reputed company or he is a government employee he/she will get a low rate of interest.

Get low-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

Personal Loan in Gurdaspur Documents Required 

Salaried Customers:

  1. Salaried applicant: The applicant has to submit his bank statements of the last six months and the salary slip of the previous three months.
  2. Identity proof (Aadhar card/driving license)
  3. Salary slips of last three months
  4. Bank statements for the last 6 months
  5. PAN Card
  6. Residence Proof (Owned/Rented/Company provided)
  7. Passport-sized photographs – 2

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

Self-Employed Customers:

  • Self-employed: The person applying for a personal loan should file ITR for the last three years, and the business should be registered.Coloured photograph: applicant must have two passport size photograph
  • Identity proof: One should have these following documents with him(Passport/Id card/voter card/driving license/Aadhar Card) any one of them will work.
  • Residence proof: The documents needed as proof of residence are:  (Passport/Id card/voter card/driving license/Ration Card/Aadhar Card).  And
  • if the applicant is living in a rented apartment, then he has to submit, electricity bill on his name and the address of the owner and his rental agreement.
  • Under, KYC formality: The applicant has to provide his PAN card.

personal loan at 10.75%*

Personal Loan in Gurdaspur Eligibility Criteria

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

Salaried Applicants

  1. The minimum age requirements of the individual should be 21 years and maximum up to 60 years.
  2. The applicants must have the work experience of the three years. And the salary should be received in their accounts only.
  3. The applicants must have an excellent credit history.
  4. The job location of the applicant should be mentioned.
  5.  A borrower should have a minimum income of INR 25,000 per month

Click here to know more about- Salaried Applicant

Self-Employed Applicants

  1. The minimum age requirement for an independent person should be 25 years.
  2. The applicants applying for the personal loan 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 credit score of the individual applicants should be good .there should not be any debt or dues left.
  5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
  6. The whole documentation process of the personal loan is the applicants have to submit his financial and his bank statement of the previous three months.

Click here to know more – Self-employed Applicant

Why Apply for Personal Loan Gurdaspur?

  1. There is no need to deposit 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 problems related to finance.
  3. The amount of personal loan depends upon the repayment of individual income and capacity.
  4. Personal Loan does not require any guarantor or nominee.

How to apply for Personal Loan Gurdaspur?

  1. Visit dialabank
  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 Gurdaspur

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 Gurdaspur EMI Calculator

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.

CIBIL Score required for Personal Loan Gurdaspur

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

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

Dialabank helps you to find the best option of Banks and NBFCs by providing you with the detailed market comparison of different banks so that you can make the right choice. Visit our website and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

Personal Loan GurdaspurContact Number

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

Pre Calculated EMI Table for Personal Loan Gurdaspur

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 Gurdaspur

Gurdaspur is a city in the Indian states of Punjab. this Gurdaspur city has lied beside Beas and Ravi river. Gurdaspur is 21km far from the international border between India and Pakistan.

Personal Loan in Other Cities of Punjab

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