Personal Loan Junagadh at 10.75% Interest Rate

Best Banks for Personal Loan Junagadh

Feature	HDFC Bank	Private 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 Details
Interest Rate	10.75% to 24% p.a.
Processing Fees	0.5-2.5%
Loan Tenure	1 year to 5 years
Pre-closure Charges	2% - 5%
Guarantor Requirement	No guarantor required

personal loan Junagadh Are 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

Interest Rate 9.99%

Personal Loan Junagadh Interest Rates and Charges – Apr 24 2024

Name of the Bank	Interest Rate Range	Processing Fee Range	Loan Amount	Tenure
Private Bank	11.59% - 18.49% (Fixed)	2.25% (min. Rs.1149) One time fee	Rs.20 lakh (Max)	1-5 Years
CitiBank	10.99% - 15.99% (Fixed)	1% to 2.5%	Rs.30 lakh (Max)	1-5 Years
Kotak Mahindra Bank	10.99% to 24% p.a.	Up to 2.5% of the loan amount along with GST or service tax	Rs.50,000 to Rs.15 lakh	1 to 5 Years
Fullerton India	11.99% to 23.99 p.a.	Information not provided.	Up to Rs.20 lakh for salaried and up to Rs.30 lakh for self-employed individuals	1 to 4 Years
Bank of Baroda	11.35% - 14.35%Fixed	Rs.1,000 to Rs.10,000 (One time fee)	Rs.20,000 - Rs.2 lakh	4 Years (Max)
State Bank of India	12.90% - 14.90% (Fixed)	1% (One time fee)	Rs.24,000 - 15 lakh	5 Years
Aditya Birla	11.5% - 13.25% (Fixed)	Nil	Rs.30 lakh (Max)	1-5 Years
Allahabad Bank	Information not provided	1.06% of loan amount	Information not provided.	1 to 5 Years
Yes Bank	14% p.a.	Up to 2% (One-time fee)	Rs.2 lakh to Rs.20 lakh	1 to 5 Years
Corporation Bank	12.75% to 13.75% p.a.	Up to 1.5% Minimum amount of Rs.500	Up to Rs.3.50 lakh	Up to 5 Years

Personal Loan Junagadh Fees & Charges – Apr 24 2024

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
Private 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

PERSONAL LOAN

Interest Rate 9.99%

Documents Required for Personal Loan Junagadh

List of Documents Required for Salaried Applicants

Salaried individuals must submit the following documents in addition to a completed personal loan application form:

Photo Identity Proof (Any one)	Passport PAN Card Voter’s ID Aadhar Card Driving License
Address Proof (Any one)	Passport Utility Bill (telephone, electricity, water, gas) – less than 2 months old Aadhaar Card Driving License Ration Card
Income Proof	Salary slips (Last 3 months) Bank statements for the last 3 to 6 months (showing salary credit)
Tax Paid (Any one	IT returns (for 2 years) Form 16
Residence Ownership Proof (Any one)	Property documents Maintenance bill Electricity bill
Proof of Job Continuity (Any one)	Current employment certificate Current job appointment letter (if more than 2 years have been spent in the same organisation) Experience certificate (previous employer’s relieving or appointment letter along with job certificate)
Proof of Investment (if any)	Fixed assets, fixed deposit, shares, etc.
Existing Loans (if any)	Payment Track Record & Sanction letter
Photograph	One coloured passport size photograph

List of Documents Required for Self-employed Applicants

Self-employed personal loan applicants must submit the following documents in addition to a fully completed loan application form:

Photo Identity Proof (Any one)	Passport PAN Card Voter’s ID Aadhaar Card Driving License
Address Proof (Any one)	Passport Aadhaar Card Driving License Utility Bill (telephone, water, electricity, gas) – less than 2 months old Ration Card
Proof of Residence Ownership (Any one)	Property documents Maintenance bill Electricity bill
Proof of Office Address and Ownership (Any one)	Maintenance bill Property documents Electricity bill
Proof of Business Existence (Any one)	Copy of GST registration Company registration license Shop establishment proof
Income Proof	Last 2 years Income tax returns of the applicant along with computation of income duly attested by a Chartered Accountant Audited balance sheet and Profit & Loss accounts, including tax audit report, if applicable
Bank statement	Savings/current account bank statement/ bank passbook for the past one year
Proof of Investment (in case any)	Investments such as fixed deposit, fixed assets, shares, etc.
Existing Loans (in case any)	Payment Track Record and sanction letter
Professional Degree Certificate	In case of professionals
Photograph	One coloured passport size photograph

List of Documents Required for NRI Applicants

When applying for a personal loan, NRI candidates are typically required to submit the following documents:

Identity Proof	Copy of the passport Copy of the visa
Employment Proof	Letter of Appointment Job contract Labour/ Identity card (if applicable) Official email ID or the HR’s email ID
Income Proof	Last 6 months’ bank statements Last 6 months’ salary slips or salary certificate
Photograph	Passport size photographs

List of Documents Required for Pensioners

When applying for a personal loan, a pensioner must submit the following documents:

Identity/Age Proof (Any one)	Ration card Passport PAN card Aadhar card Voter ID card Driving licence Birth certificate School leaving certificate
Address Proof (Any one)	Passport Aadhaar card Utility bills Ration card Driving licence
Income Proof (Any one)	Last 6 months’ bank statements/salary slips Bank passbook Form 16 Copy of pension payment order Income tax returns
Photographs	Passport size photographs

Know More About: Personal Loan Eligibility Criteria

Personal Loan Junagadh Eligibility Criteria

Particulars	Salaried	Self-Employed
Age	21 - 60 years	21 - 65 years
Minimum Income	Rs.15,000*	Rs.5 Lakh p.a.
Co-applicant	Not mandatory	Not mandatory
Loan Tenure	12 – 60 months	12 – 60 months
Maximum Loan Amount	Rs.40 Lakh	Rs.40 Lakh
Employment Type	Employees of private limited companies and public sector undertakings	Self-employed individuals
Employment/Business Continuity	At least 2 years; minimum 1 year with current employer	4 years Post Qualification experience for Doctors/ Chartered Accountants. 5 years Post Qualification experience for Company Secretary / Architect.
CIBIL Score	750 and above	750 and above
Residential Status	Resident Indian staying in own house or a rented house

*In cities such as Kochi, Kolkata, Ahmedabad, Pune, Hyderabad, Mumbai, Chennai, Bengaluru, and Delhi the net monthly income required is Rs.20,000

Click here to know more about - Salaried Applicant
Click here to know more about - Self-employed Applicant

*Note: The eligibility criteria vary from lender to lender.

Check Personal Loan Eligibility with Top Lenders in 2021

Bank	Age Limit	Minimum Work Experience	Minimum Income (Per Month)
SBI	Up to 76 years	NA**	Rs.15,000
HDFC	21 to 60 years	2 years	Rs. 20,000
Private	23 to 58 years	2 to 5 years	Rs.17,500
Axis	21 to 60 years	NA**	Rs.15,000
Kotak Mahindra	22 to 55 years	1 year	Rs.25,000
Tata Capital	21 to 58 years	1 year	Rs.15,000
IndusInd	21 to 60 years	2 to 5 years	Rs.25,000
Ujjivan Small Finance	22 to 58 years	NA**	Above the minimum wage limit
India Infoline Finance Limited	25 to 60 years	6 months to 2 years	Rs.35,000
HDBFS	21 to 65 years	1 year to 3 years	Rs.15,000 for salaried Rs.1 lakh p.a. for self-employed
Indian Overseas Bank	Up to 58 years	NA*	Rs.5,000
IDFC First Bank	23 to 68 years	3 years	NA*
Federal Bank	21 - 55 Years	3 years	Rs.25,000
Punjab National Bank	21 – 58 years	2 years for doctors	Rs.15,000
Andhra Bank	21 - 55 years	NA**	NA*
Canara Bank	NA**	NA**	Salaried: Rs.6,000 & above Self-employed - Rs. 1.5 lakh
IDBI Bank	Up to 75 years for Pensioners	NA**	Rs.1.5 lakh p.a.
Fullerton India	21 to 55 years	1 to 2 years	Rs.15,000
RBL Bank	25 to 60 years	1 to 3 years	Rs.25,000
Bank of Baroda	21 to 60 years	1 year to 2 years	60% of gross monthly income
Deutsche Bank	25 to 60 years	NA**	Rs.25,000
Karnataka Bank	NA**	3 years	NA*
United Bank of India	up to 75 Years	2 years	NA*
UCO Bank	21 to 65 years	1 year to 5 years	Rs.20,000

*Personal loan disbursal is solely at the bank’s discretion and as per the bank’s terms and conditions

Learn More about Personal Loan: Click Here

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:

Salaried
Self-employed

There are various eligibility criteria for both applicants:

Salaried Applicants

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

Click here to know more about- Salaried Applicant

Self-Employed Applicants

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

Click here to know more – Self-employed Applicant

To know more about eligibility, click here: Personal Loan Eligibility.

PERSONAL LOAN

Interest Rate 9.99%

Why Apply for Personal Loan in Junagadh?

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

How to apply for Personal Loan in 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:

Visit our website dialabank
Go to the loan section and click on the personal loan link.
The applicant will be required to fill in all the details of themselves related to income, location, etc.
Click on Request a quote and our relationship manager will soon get in touch with you.
For more information and free guidance, you may call on 9878981166.

PERSONAL LOAN

Interest Rate 9.99%

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 Rate 9.99%

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.

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

Personal Loan Junagadh Agents/Broker

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 www.dialabank.com or give a call at 9878981166 for help and guidance.

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

PERSONAL LOAN

Interest Rate 9.99%

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

PERSONAL LOAN

Interest Rate 9.99%

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.

FAQs on Personal Loan Junagadh

✅ Do I need to pledge any collateral for Personal Loan in Junagadh?

No, you do not need to pledge any collateral or security with most banks for availing a Personal Loan.

✅ How is a Personal Loan repaid?

A Personal Loan is repaid in the form of EMIs (Equated Monthly Installments). EMI includes your principal loan amount along with interest which forms the major component of your EMI.

✅ What is the interest rate on Personal Loan?

The interest rate varies from lender to lender. You may have to pay a higher interest rate if you have a poor credit history. A good credit history may also attract a lower interest rate for you.