Personal Loan Jamjodhpur

Major Personal Loan Providers in Jamjodhpur

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 Jamjodhpur Features

personal loan JamjodhpurLife is full of uncertainties and sometimes a person requires immediate financial help. During such time a person looks for someone who can help him. But at that time many people are unable to get the required help, here we are – DialaBank providing you with assistance to apply for Personal loans in Jamjodhpur in an easy and simple way.

A personal loan in Jamjodhpur is unsecured in nature that a person can avail based upon his monthly income and CIBIL score without the need of having to keep any collateral security with the bank or NBFC. There exists no end-use restriction on the use of the personal loan amount which allows the use of this loan amount for any financial purpose.

Personal Loan Jamjodhpur 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
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

Documents for Personal Loan Jamjodhpur

With the right documents and eligibility criteria, you can easily avail instant Personal loan in Jamjodhpur with DialaBank. The important documents required for salaried customers are as follows:

Salaried Customers:

  1. Identity 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 residing in rented apartments, rent agreement needs to be attached.

The documents for self-employed customers differ marginally. Important documents are:

Self-Employed Customers:

  1. All financials are required. These may be Balance Sheet, P&L Statement as well as ITR files
  2. PAN Card
  3. Aadhar Card
  4. Residence Proof
  5. Two passport-sized photographs

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Eligibility Criteria for Personal Loan Jamjodhpur

The personal loan eligibility criteria for both Salaried and Self-Employed in Jamjodhpur are different in the following manner:

Salaried Applicants

  1. Salary: Rs 18,000 (Monthly).
  2. Minimum and Maximum Age: 21 and 60 Years.
  3. Work Experience: A total of three years and 1-year experience in the current ongoing job.
  4. CIBIL Score must be more than 700.
  5. The applicant should not be receiving his salary in cash.

Self-Employed Applicants

  1. Minimum and Maximum Age: 25 and 65 years.
  2. Proof of filed annual ITR of 2.5 to 3 lakh for the previous 3 years is essential.
  3. Residence: Should be owning an Office or Home.
  4. Business Stability: Your business should be well operating with stability for the last three years.
  5. CIBIL Score should be more than 700.
  6. The minimum age requirement for a self-employed applicant should be 25 years.

Why Apply for Personal Loan Jamjodhpur?

  1. It is a completely safe loan scheme process for raising funds in times of need as it does not require collateral with affordable personal loan interest rate
  2. There is no need to mortgage your precious assets as security to the lender as no mortgage is required.
  3. A co-applicant is not needed to get a personal loan.
  4. The loan is only dependent upon the candidate’s income and his individual repayment capability.

How to apply for Personal Loan Jamjodhpur?

Applying for a personal loan in Jamjodhpur is easy with DialaBank. The process of application is quite straightforward and is as follows:
  1. Visit www.dialabank.com.
  2. Then select a Personal Loan option from the options above and fill all the personal details.
  3. Enter your active, working contact number on which we can reach out to you.
  4. Dialabank is one of the top platforms available online to apply for a personal loan in Jamjodhpur as we provide you with all kinds of loans at a very affordable rate of interest. Personal loan EMI calculator is there for estimatiuon

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Processing Fee / Prepayment Charges on Personal Loan Jamjodhpur

Every Bank and NBFC charges a fixed fee for processing your Personal Loan application in Jamjodhpur. These charges range from 1.5% to 2.5% of the total sanctioned loan amount depending on the loan amount and also the tenure.

But in any case, if you wish to foreclose your loan before the agreed loan tenure, which usually lasts a period of 12 months every lending institution charges you a penal prepayment fee for foreclosure. The charges also keep varying depending on the amount of tenure of the loan left and exist from 2% of the outstanding loan amount in the 2nd year to 4% in the 4th year of the personal loan.

Personal Loan Jamjodhpur EMI Calculator

Equated Monthly Installments also popularly known as EMI are the monthly fixed charges that you pay to the bank or NBFC as monthly repayment for the loan amount borrowed as part of a personal loan in Jamjodhpur.  Based on your profile, and capabilities of the loan repayment the interest rate on your loan is calculated which you have to pay every month till the completion of tenure.

You can easily calculate your EMI amount on your personal loan in Jamjodhpur using a Personal loan EMI Calculator on our website dialabank.com.

CIBIL Score required for Personal Loan Jamjodhpur

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Jamjodhpur.

  1. Mostly a CIBIL score of 750 is considered to process your personal loan application in Jamjodhpur.
  2. They also consider the factors like the ability and ease with which you previously paid your loans that describes your creditworthiness.
  3. Any sort of delayed payments or failure to make one for the previous loans can result in a decrease in your CIBIL score.

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Personal Loan Jamjodhpur Agents

Dialabank is the leading agent for availing Personal Loan in Jamjodhpur. Dialabank helps you to find the best option of Banks and NBFCs by providing you with a comparison of different numerous offers on loans provided by them so that you can make the right choice in the process of the personal loan application.

To get the best offers on personal loans in Jamjodhpur kindly visit our website and fill a simple form online with your personal and employment details. Our customer relationship managers will soon get in touch with you on the contact number provided on your application to help you further. You can apply online at www.dialabank.com or give a call at 9878981166 for further processing of personal loans in Jamjodhpur.

Personal Loan Jamjodhpur Contact Number

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

Pre Calculated EMI Table for Personal Loan Jamjodhpur

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 Jamjodhpur

Jam Jodhpur is a city and a municipality situated in the Jamnagar district in the state of Gujarat. There are many government servants staying in Jamjodhpur who are working in closeby villages. Garbage collection is done from every street of the city to collect the garbage to make the city beautiful.

FAQs About Personal Loan Jamjodhpur

Who can apply for a Personal Loan in Jamjodhpur?

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 Jamjodhpur.

What is the tenure of Personal Loan in Jamjodhpur?

Most of the Banks and NBFCs provide a Personal Loan in Siwan for a min period of 1 Yr and a Max period of 5 Years. Some Banks or NBFCs even extend the maximum period to 7 Years in some rare cases. The tenure mostly cannot be extended. The repayment has to be made in the form of equal monthly instalments every month within the agreed tenure of the personal loan.

Are there any other charges involved in Personal Loan Jamjodhpur?

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

Processing Fee: For every bank or lending institution that you borrow your loan from, there is a small fee that they charge from the applicant. This is also known as Processing Fee. The rate of processing fee varies for each lending institution and is normally between 1% and 2.5% of the loan amount.

Pre-closure Charges: Whenever you close an operating loan before its agreed tenure period, the Banks and NBFCs charge an extra amount known as pre-closure charges on the borrowed loan amount on a personal loan in Jamjodhpur. Various banks have varying pre-closure rate charges. The pre-closure charges keep changing depending on how many years has your loan completed and how many years are left before you decide to pre-close it.

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

Since Personal Loan is unsecured in nature, one of the most important decision criteria for getting your Personal Loan application approved in Jamjodhpur is your CIBIL Score. Having a High CIBIL score becomes beneficial if you wish to get a Personal Loan both in present and in the future. Make sure to not miss any of your loan payments in the form of EMI any month or any credit card payments as that will result in lowering of your CIBIL score and hence hindrance in a personal loan approval. Usually, most of the Personal Loan rejections that happen are a result of a low CIBIL Score, therefore it is important to maintain it.

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