Personal Loan Junagadh

⋆ 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 Junagadh

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 Junagadh Features

personal loan JunagadhAre you in need of external financial help to meet your personal requirements? If yes, then you can avail a personal loan anytime anywhere. It is a loan that can be used for different purposes like paying debts, going for a holiday, paying tuition fees, marriage, and many more things. Personal Loan provides a solution to all your problems and needs by providing cash urgently.

This loan is unsecured in nature which means no collateral is required. It includes minimal documentation and less paperwork. A personal loan can get approved within 48 hours after the verification process. As the name suggests, a Personal Loan may be opted by an individual due to an urgent requirement of cash to fulfil any of your other personal needs. This is a life-saver option for everybody.

To get a Personal Loan, the applicant needs to have a rigid and good source of income and 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 for any reason you want to do.

Personal Loan Junagadh 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 Junagadh Documents Required 

Personal Loan Junagadh is easy and hassle-free provided you have the necessary documents in hand. But these vary in two main categories namely: Salaried and self-employed customers.

Salaried Customers:

  1. Any form of Identity proof (Aadhar card/driving license)
  2. Mandatory PAN Card
  3. Permanent Residence Proof (Owned/Rented/Company provided)
  4. Salary slips of last three months
  5. Bank statements for the last 6 months
  6. 2 Passport-sized photographs
  7. In the case of rented apartments, rent agreement is required.

Self-Employed Customers:

  1. All kinds of financials are required (Balance Sheet, P&L Statement as well as ITR files)
  2. Mandatory PAN Card
  3. Aadhar Card to be submitted
  4. Residence Proof
  5. Two passport-sized photographs
personal loan at 10.75%*

Personal Loan Junagadh Eligibility Criteria

The personal loan eligibility criteria for both Salaried and Self-Employed are different. It is based on the bank which has to approve the request of the applicant regarding the credit. There are two categories of applicants:

  1. Salaried
  2. Self-employed

There are various eligibility criteria for both applicants:

Salaried Applicants

  1. The age of individuals should be between 21 years and 60 years to be able to avail of personal loans.
  2. The applicants must have work experience of at least three years.
  3. The salary should be received in their accounts only.
  4. The applicants must have an excellent credit history preferably above 750.
  5. Should be working in a good organization.

Self-Employed Applicants

  1. The minimum age requirement for an independent person to avail of personal loans should be 25 years.
  2. The applicants applying for the personal loan should have filed ITR for the last three years.
  3. 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.
  4. If the applicants are the businessman, then the business should be running from the past three years.
  5. The credit score of the individual applicants should be good. No dues should be existing in the past.
  6. The annual income should be a minimum of Rs 2.5 lakh.

Why Apply for Personal Loan Junagadh?

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

How to apply for Personal Loan Junagadh?

Applying for a personal loan is easy with DialaBank. Get an instant personal loan on applying online with DialaBank. You just have to follow the steps below to enjoy a hassle-free experience:

  1. Visit our website dialabank
  2. Go to the loan section and click on the personal loan link.
  3. The applicant will be required to fill in all the details of themselves related to income, location, etc.
  4. Click on Request a quote and our relationship manager will soon 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 Junagadh

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

Personal Loan Junagadh EMI Calculator

Equated Monthly Installments also know as EMI is the monthly fixed amount that the customer or applicant has to pay to the bank as the loan amount. These are easy to pay as only a small per cent of the total amount of loan is to be paid on every instalment. The applicant is the borrower in such cases and the bank is the lender. EMI varies according to your loan amount and tenure. You can use the Personal loan EMI calculator on DialaBank’s website.

Personal Loan 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

 

CIBIL Score required for Personal Loan Junagadh

CIBIL Score is the history of your payments that you have made in the past. The CIR (Credit Information Report) is the history of your credit score which checks your account’s history for different loans that you have made (if any) and the credit card history (if you have). It describes how suitable you are to avail of the personal loan.

  1. Mostly a CIBIL score of 750 and above is considered excellent while applying for personal loan.
  2. The better the CIBIL score the easier it becomes to avail the loan.
  3. Depending upon the situation a CIBIL of less than 750 may also be approved.
personal loan at 10.75%*

Personal Loan Junagadh Agents

Dialabank is associated with various banks and NBFCs in Junagadh that provide personal loans at low-interest rates. Thus, DialaBank is the leading agent for availing Personal Loan Junagadh. You can also apply online at dialabank or give a call at 9878981166 for help and guidance.

  1. The approval process is time-saving if you apply through DialaBank.
  2. The Loan gets disbursed within 24 hours.
  3. We do not charge any extra fees from our customers.
  4. We are always ready to help our applicants and are available 24/7.
  5. Our experts will assist you, and our relationship managers will provide guidance.

Personal Loan Junagadh Contact Number

Call 9878981166 and get instant help and approval for Personal Loan Junagadh.

Pre Calculated EMI Table for Personal Loan Junagadh

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 Junagadh

Junagadh is a city in the western Indian state of Gujarat. Mahabat Maqbara is a huge 19th-century mausoleum of a local ruler, which shows the intricate Indo-Islamic architectural details. Uparkot Fort, founded around 300 BC, has city views from its rampart is also present here. Within the fort are the stone-cut step-wells Adi Kadi Vav and Navghan Kuwo, plus Buddhist caves.

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