Personal Loan Ichalkaranji

Best Banks for Personal Loan Ichalkaranji

Personal Loan Ichalkaranji Features

Are you running short on cash? Do not worry. A personal Loan is available for you. This loan is unsecured with minimal documentation and less paperwork. This loan can get approved within 48 hours after the verification process.

Personal Loan Ichalkaranji is an unsecured loan that provides financial aid to customers at affordable interest rates. 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.

Personal Loan Ichalkaranji Interest Rates and Charges

To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates

Personal Loan Ichalkaranji Documents Required

Salaried Customers:

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

*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)
2. PAN Card
3. Aadhar Card
4. Residence Proof
5. Two passport-sized photographs

Personal Loan Ichalkaranji Eligibility Criteria

The 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 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 Ichalkaranji?

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 loans depends upon the repayment of individual income and capacity.
4. A Personal Loan does not require any guarantor or nominee.

How to apply for Personal Loan Ichalkaranji?

1. Visit Dialabank.
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.

Processing Fee / Prepayment Charges on Personal Loan Ichalkaranji

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

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 been 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 Ichalkaranji 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. 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.

CIBIL Score required for Personal Loan Ichalkaranji

Every lending institution has its criteria for the minimum CIBIL score required for processing a Personal Loan application in Ichalkaranji. Most institutions require a minimum score of 750 to process 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 of a fresh loan.

Personal Loan Ichalkaranji Agent and Contact Number

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

Dialabank helps you to find the best option for 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 and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

Pre Calculated EMI Table for Personal Loan Ichalkaranji

About Ichalkaranji

Ichalkaranji is a city in Kolhapur district in the Indian state of Maharashtra. A municipal council governs it. Ichalkaranji is known for its production and export of Textile goods and textile manufacturing industry. Ichalkaranji is in western India about 425 kilometres (264 mi) south-east of Mumbai. Ichalkaranji is slowly merging with Kolhapur. Ichalkaranji is well connected with other cities in Maharashtra and India through well infrastructure and its location near to NH4 Highway. The nearest airport is Kolhapur Airport followed by Pune and Mumbai. Ichalkaranji also has the nearest train stations such as Kolhapur, Sangli, Miraj & Jaysingpur. As per provisional reports of Census India, the population of Ichalkaranji in 2011 is 287,570.

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