Personal Loan Guwahati

⋆ 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 Guwahati

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 Guwahati Features

Personal Loan GuwahatiYou can fulfill all your desires by availing a personal loan. The funds of the loan can be used for any purpose of the borrower according to his requirements. The Personal Loan Guwahati is an unsecured loan because banks do not require any collateral or guarantee from the borrower for the finances they provide. Personal Loan Guwahati is an instant finance option, readily available in the market. The interest rate is very affordable, but it varies according to the applicant’s profile and CIBIL score.

Personal Loan in Guwahati 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 Guwahati Documents Required

Salaried Customers:

  1. Identity proof: (Passport/Id card/voter card/driving license/Aadhar Card) It can be any one of them
  2. Residence proof: (Passport/Id card/voter card/driving license/Ration Card/Aadhar Card).  And if the applicant is living in a rented apartment, then they have to submit their rental agreement, electricity bill which has to be in the name of the applicant, and the address of the owner.
  3. The applicant has to submit their PAN card which is an essential document under the KYC formality.
  4. Salary slip of last three months
  5. Two passport size colored photos

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

Self-Employed Customers:

  1. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
  2. PAN Card
  3. And if the applicant is self-employed then they have to submit the ITR of the last three years and registration of their business should be done.
  4. Aadhar Card
  5. Residence Proof
  6. Two passport-sized photographs

personal loan at 10.75%*

Personal Loan in Guwahati Eligibility Criteria

The eligibility criteria for both Salaried and Self-Employed for Personal Loan Guwahati are as follows:

Salaried Applicants

  1. The applicants must have the work experience of the three years. And the salary should be received in their accounts only.
  2. The applicants must have an excellent credit history.
  3. The job location of the applicant should be mentioned.
  4. Minimum and Maximum Age: 21 and 60 Years.
  5. Work Experience: Overall 3 years and 1-year experience in the current job.
  6. CIBIL Score must be more than 700.
  7. A person who gets his/her salary in cash is not eligible for availing Loan, the salary should be deposited in a bank account only.

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 about eligibility: Personal Loan Eligibility

How to apply for Personal Loan in Guwahati?

Anybody can apply quickly for Personal Loan Guwahati online within 2 minutes. The process of application is straightforward and fast.
  • Visit www.dialabank.com.
  • After that, apply for a Personal Loan online.
  • Enter your contact number and other details, so that we can contact you back.
  • Dialabank is one of the best platforms to apply for a personal loan as we provide you all kinds of loans at a very affordable rate of interest.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan in Guwahati

Every Bank and NBFC charges a fee for processing your Personal Loan Guwahati application. These charges are 1% 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 EMI Calculator Guwahati

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.

Get know more about the EMI Calculator: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Guwahati

Major banks and NBFCs have their own criteria for the minimum CIBIL score required for processing a Personal Loan Guwahati application. Most institutions require a minimum score of 750 to process your Personal Loan Guwahati application. You will eligible for a loan even if you have a CIBIL score 700.

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 Guwahati Agents/Broker

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

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

Personal Loan Guwahati Contact Number

Call 9878981166 and get approval for Instant Personal Loan in Guwahati.

Pre Calculated EMI Table for Personal Loan Guwahati

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 Guwahati

Guwahati was previously known as Pragjyotishpura in ancient Assam. It is one of the biggest cities in the Indian state of Assam and also one of the few urban areas in the Northeastern part of India. It is one of the rapidly developing cities in India; It is also located on the bank of the Brahmaputra.

Other Personal Loan Cities in Assam

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