Personal Loan Junagadh

Loan Approval in 30 mins

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.

Start Saving on your EMIs

Rates as low as 10.75%*
Avail Top-up Loan Facility
Doorstep Service
Hassle-free Disbursal
Unbiased Experts Advice

Personal Loan Junagadh

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 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 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

Interest Rate 9.99%

+91

Personal Loan Junagadh Interest Rates and Charges –  Aug 14 2022

Name of the Bank Interest Rate Range Processing Fee Range Loan Amount Tenure
ICICI 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 – Aug 14 2022

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 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%

+91

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
ICICI 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:

  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.

Click here to know more about- Salaried Applicant

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 ₹ 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%

+91

Why Apply for Personal Loan in 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 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:

  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

Interest Rate 9.99%

+91

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%

+91

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 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.

  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

Interest Rate 9.99%

+91

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%

+91

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.