Personal Loan Gurdaspur

⋆ Interest Rate 9.99% ⋆

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      Rates as low as 9.99%*
      Loans Up to 30 Lacs
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      Personal Loan Gurdaspur

      Best Banks for Personal Loan Gurdaspur

      HDFC Bank
      ICICI Bank
      Bajaj Finance
      Interest Rate
      10.75% - 17%
      11.25% - 18.5%
      Min Loan Amt
      Metro : 75000 & Non Metro: 50000
      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
      Overdraft Facility

      Personal Loan in Gurdaspur Features

      Personal Loan Gurdaspur

      Are you running short on cash? Do not worry. A personal Loan is available for you. With minimum documentation and a quick process, we can get a loan. This loan can get approved within 48 hours after the verification process. A Personal Loan is mainly for people’s personal needs like debts, paying medicals, purchasing the latest gadgets, going for a vacation, and so on. It is unsecured, so it doesn’t need any collateral 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 based on the loan amounts, the time period, and 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 the 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 a government employee, they will get a low-interest rate.

      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 0.01 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 for 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 the case of rented apartments, a 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 the following documents (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 lives in a rented apartment, he has to submit the electricity bill in his name and the owner’s address and his rental agreement.
      • Under KYC formality: The applicant has to provide his PAN card.


      Interest Rate 9.99%


      Personal Loan in Gurdaspur Eligibility Criteria

      The Personal Loan 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 a maximum of up to 60 years.
      2. The applicants must have work experience of 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 a 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 personal loan details where they can choose their preferred city.
      4. For more information and free guidance, you may call on 9878981166.


      Interest Rate 9.99%


      Processing Fee / Prepayment Charges on Personal Loan Gurdaspur

      Every Bank and NBFC charges two kinds of fees from its customers. The first is a fee for processing your Personal Loan application. These charges are 1% of the sanctioned loan amount.

      Personal Loan Gurdaspur EMI Calculator

      Equated Monthly Installments, also known as EMI, are the monthly fixed charges 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. EMI Calculator calculates your EMI based on the Interest Rate you are charged by the bank, the amount of loan you have to take, and the period 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. However, most institutions require a minimum score of 750 to process your loan application.

      The institutions look at the overall score and 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 of a fresh loan.


      Interest Rate 9.99%


      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 find the best option for Banks and NBFCs by providing you with a detailed market comparison of different banks to 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 a Personal Loan in Gurdaspur.

      Pre Calculated EMI Table for Personal Loan Gurdaspur

      5 Yrs
      4 Yrs
      3 Yrs

      About Gurdaspur

      Gurdaspur is a city in the Indian state 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