Personal Loan Hoshiarpur

⋆ Interest Rate 9.99% ⋆

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      Rates as low as 9.99%*
      Loans Up to 30 Lacs
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      Table of Contents

      Personal Loan Hoshiarpur

      Best Banks for Personal Loan in Hoshiarpur

      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 Hoshiarpur Features

      Personal Loan HoshiarpurAn easy and convenient way to fulfil the monetary shortcomings is by approaching banks and NBFCs through Dialabank for Personal Loan.

      A type of unsecured loan, a Personal loan does not require any deposit of any asset or collateral to the bank and can be availed at an affordable interest rate.

      A personal Loan is desirable as there are no end restrictions to the use of the loan amount

      Personal Loan in Hoshiarpur Interest Rates and Charges

      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 Hoshiarpur Documents Required

      Salaried Customers:

      1. Salary slips of the last three months submitted by the applicant
      2. 2 Passport-sized photographs (colored)
      3. ID Proof: Aadhar card/driving license/ Voter ID
      4. Bank statements for the last six months
      5. PAN Card
      6. Residence Proof which includes Passport Copy/ Telephone Bill/ Voter ID

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

      Self-Employed Customers:

      1. All financials are required (Balance Sheet, P&L Statement as well as ITR files) to be submitted by the borrower
      2. 2 Passport-sized photographs (colored)
      3. ID Proof: Aadhar card/driving license/ Voter ID
      4. Bank statements for the last six months
      5. PAN Card
      6. Residence Proof which includes Passport Copy/ Telephone Bill/ Voter ID

      personal loan at 10.75%*

      Personal Loan in Hoshiarpur 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 borrower should have work experience of three years.
      3. The applicants should not have any dues left and should have a good CIBIL score.
      4. The job location of the borrower should be mentioned.

      Self-Employed Applicants:

      1. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
      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 minimum age requirement for an independent person should be 25 years.
      6. Financial and his bank statement of the previous three months should be provided by the borrower.

      Click here to know more about eligibility: Personal Loan Eligibility.

      Why Apply for Personal Loan Hoshiarpur?

      1. banks do not require any mortgage and collateral security as it is an unsecured loan
      2. A Personal Loan does not require any guarantor or nominee for loan approval.
      3. A personal loan is a multi-purpose offer loan. It can be used for any purpose.
      4. The amount of a personal loan depends upon the repayment of individual income and capacity.

      How to apply for Personal Loan Hoshiarpur?

      1. Visit Dialabank.
      2. Go to the loan section and click on the tab personal loan.
      3. After that, the borrower needs to provide personal and income details.
      4. Our executives will then assist afterwards.
      5. For more information and free guidance, you may call on 9878981166.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Hoshiarpur

      Every Bank and NBFC charges a fee for processing your Personal Loan application which generally varies from 1% of the total 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. Depending on how many years the loan has done the charges differ. 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 Hoshiarpur 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. The EMI is calculated on the basis of the Interest Rate, the amount of loan you have to take, and the period for which you enjoy the loan.

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

      CIBIL Score required for Personal Loan Hoshiarpur

      Different banks have their own criteria for the minimum CIBIL score required for processing a Personal Loan application in Hoshiarpur. Most institutions require a minimum score of 750 for further processing of 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 in Hoshiarpur Agent and Contact Number

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

      Call 9878981166 and Get an Instant Personal Loan in Hoshiarpur.

      Pre Calculated EMI Table for Personal Loan Hoshiarpur

      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 Hoshiarpur

      Hoshiarpur is a city and a municipal council in the Hoshiarpur district in the Indian state of Punjab. It was established at the beginning of the fourth century. It is situated in the northeast part of the Punjab state. It comes under the Jalandhar Revenue Division and is situated in the Best Doab portion of the Doaba region. This area is known for wooden and ivory handicrafts.

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