Personal Loan Jalpaiguri

⋆ 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 Jalpaiguri

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 Jalpaiguri Features

Are you running short out of cash? Do not worry. 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 Delhi is an unsecured loan that provides financial aid to the 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.

The flexibility of personal loans makes it dynamic, and the loan amount can be used for any purpose without any restrictions. No third-party is involved in the deal.

Personal Loan in Jalpaiguri 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
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 Jalpaiguri Documents Required

Salaried Customers:

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

*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. Two passport-sized photographs
  4. Aadhar Card
  5. Residence Proof such as telephone bill/ electricity bill/ passport copy/ etc.

personal loan at 10.75%*

Personal Loan in Jalpaiguri 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 maximum up to 60 years.
  2. The applicants must have an excellent CIBIL score without any bad history of credit.
  3. The job location of the applicant should be mentioned.
  4. The applicants must have the work experience of the three years. And the salary should be received in their accounts only.

Self-Employed Applicants

  1. 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.
  2. The minimum age requirement for an independent person should be 25 years.
  3. The applicants applying for the personal loan should file ITR for the last three years.
  4. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
  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.

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

Why Apply for Personal Loan Jalpaiguri?

  1. A Personal Loan does not require any guarantor or nominee.
  2. There is no need to deposit any mortgage and collateral security to the bank.
  3. The amount of personal loan depends upon the repayment of individual income and capacity.
  4. A personal loan is a multi-purpose offer loan. It can be used for all the problems related to finance.

How to apply for Personal Loan Jalpaiguri?

  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. Fill in all the necessary details. Then our executives will get in touch with you.
  5. For more information and free guidance, you may call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Jalpaiguri

Every Bank and NBFC charges a fee for processing your Loan application. These charges vary between 1.5% to 2.5% 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 Jalpaiguri 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.

To know more about EMI Calculator, click here: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Jalpaiguri

Every lending institution has its criteria for the minimum CIBIL score required for processing a Personal Loan application in Jalpaiguri. 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 individual 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 new loan.

personal loan at 10.75%*

Personal Loan Jalpaiguri Agent and Contact Number

Dialabank is the leading agent for availing Personal Loan in Jalpaiguri. 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 the 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 customer relationship managers will soon get in touch with you.

Call 9878981166 and get Instant Personal Loan in Jalpaiguri.

Pre Calculated EMI Table for Personal Loan Jalpaiguri

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 Jalpaiguri

Jalpaiguri is a city in the West Bengal state in India. It also serves as the headquarters of Jalpaiguri district. The city is located on the banks of the Teesta River, which is the second-largest river in West Bengal after the Ganges.

other personal loan cities in West Bengal

Personal Loan Kalimpong Personal Loan Kalyani
Personal Loan Konnagar Personal Loan Kotra
Personal Loan Krishnanagar Personal Loan Kurseong
Personal Loan Malda Personal Loan Matigara

 

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