Personal Loan Howrah

⋆ Interest Rate 9.99% ⋆

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      Table of Contents

      Personal Loan Howrah

      Best Banks for Personal Loan in Howrah

      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 Howrah Features

      gold loan howrahThe immediate necessity of money can come across to any person. It could be an emergency like a pending medical bill, car repair, or much more. At this crucial stage, Personal Loan will help you to get out of this situation. This loan can be utilized for any personal needs.

      This loan is unsecured in nature with minimal documentation and less paperwork. This loan can get approved within 48 hours after the verification process. To get a Personal Loan, the applicant needs to have a rigid and good source of income and has a good credit history.

      Furthermore, there is no end-use restriction on the use of the personal loan amount. You can use this loan amount anywhere you want to do.

      1. The money borrowed can be used for almost all purposes.
      2. It is the simple and safe Loan scheme for raising funds in times of need.
      3. There is no need to provide a cosigner or guarantor to avail this loan.
      4. It involves simple procedures and fast loan approvals.

      Personal Loan in Howrah 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

      Documents Required for Personal Loan in Howrah

      Salaried Customers:

      1. Personal Loan HowrahIdentity proof (Aadhar card/driving license)
      2. Salary slips of last three months
      3. Bank statements for the last 6 months
      4. PAN Card
      5. Residence Proof (Owned/Rented/Company provided)
      6. Passport-sized photographs – 2
      7. In the 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. Aadhar Card
      4. Residence Proof
      5. Two passport-sized photographs

      personal loan at 10.75%*

      Personal Loan in Howrah Eligibility Criteria

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

      Salaried Applicants

      1. The minimum age requirements of individuals 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 regular salary.

      Self-Employed Applicants

      1. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
      2. 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.
      3. The minimum age requirement for an independent person should be 25 years.
      4. The applicants applying for the personal loan should file ITR for the last three years.
      5. If the applicants are the businessman, then the business should be running from the past three years.
      6. The credit score of the individual applicants should be good .there should not be any debt or dues left.

      How to apply for Personal Loan in Howrah?

      Applying with DialaBank helps you get access to Instant Personal loans in Howrah in a hassle-free manner.

      1. Visit www.dialabank.com.
      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 in Howrah

      Every Bank and NBFC charges a processing fee which is mandatory and a fore-closure fee which is for some specific situation.

      1. For processing your Personal Loan application charges 1% of the sanctioned loan amount.
      2. In case you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. 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 Howrah

      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. Use Personal loan EMI Calculator available on our website.

      CIBIL Score required for Personal Loan Howrah

      Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Howrah. Most institutions require a minimum score of 750 to process your loan application. Others may accept a score between 700-750 depending on the organization.

      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 Howrah Agents/Broker

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

      1. We are always ready to help our applicants and are available 24/7.
      2. The approval process is time-saving if you apply through DialaBank.
      3. The Loan gets disbursed within 24 hours.

      We help you find the best bank/NBFC from all the options available in the market.

      Personal Loan Howrah Contact Number

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

      Pre Calculated EMI Table for Personal Loan Howrah

      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 Howrah

      Howrah is a metropolitan city within the Howrah district, in the Indian state of West Bengal. It is the headquarters of the Howrah Sadar subdivision. Howrah is located on the western bank of the Hooghly River.

      FAQs About Personal Loan Howrah

      Who can apply for a Personal Loan in Howrah?

      People who have an urgent need for cash and have a regular source of income (from employment or business) can apply for a Personal Loan in Howrah.

      What is the tenure of Personal Loan in Howrah?

      Most of the Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. There are some Banks which extend the maximum period to 7 Years also. The tenure is fixed and cannot be extended. The repayment has to be done in equal monthly installments within the agreed tenure of the loan.

      Are there any other charges involved in Personal Loan Howrah?

      Yes, there are 2 types of charges that one needs to pay in order to avail a personal loan in Howrah:

      Processing Fee: For every bank or lending institution that you borrow from, there is a small fee that they charge from the customer. This is known as Processing Fee. The amount of processing fee varies for each lending institution and is normally 1% of the loan amount.

      Pre-closure Charges: Whenever you want to close a running loan before its agreed tenure period, the Banks and NBFCs charge an extra amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges vary depending on how many years has your loan completed before you decide to pre-close it.

      Can my application for Personal Loan Howrah get rejected due to my CIBIL score?

      Since Personal Loan is an unsecured loan, one of the most important decision criteria for getting your Personal Loan application approved is your CIBIL Score. Having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan in the future. Make sure you don’t skip any of your loan EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.

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