Personal Loan Guwahati

⋆ Interest Rate 9.99% ⋆

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      Table of Contents

      Personal Loan Guwahati

      Best Banks for Personal Loan in Guwahati

      Feature HDFC Bank ICICI Bank Bajaj Finance
      Interest Rate 10.75% - 17% 11.25% - 18.5% 0.12
      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 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 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 Dialabank.
      • 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.

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