Best Banks for Personal Loan Kala Amb
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 Kala Amb Features
Interest Rate
Processing Fees
0.5-2.5%
Loan Tenure
Pre-closure Charges
2% - 5%
Guarantor Requirement
Personal Loan Kala Amb Interest Rates – Mar 28 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 Kala Amb Fees & Charges – Mar 28 2024
To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates
Bank
Processing Fee
HDFC Bank Personal Loan
0.25% to 1.50%
Axis Bank Personal Loan
0.50% to 1.50%
Nil
Private Bank Personal Loan
0.25% to 1.50%
SBI Personal Loan
500/- to 0.50%
Nil
Kotak Personal Loan
1% to 2%
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
Documents Required for Personal Loan in Kala Amb
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 Kala Amb 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
Why Apply for Personal Loan in Kala Amb?
- The amount of loan only depends upon the income as well as repayment capability of the applicant.
- Personal Loan Kala Amb is a multi-purpose offer that can be used for almost all financial problems.
- No need to put any property or asset as security to the lender in the case of Personal Loan Kala Amb.
- No cosigner needed for Personal Loan Kala Amb.
How to Apply for Personal Loan in Kala Amb?
Anybody can apply for a Personal Loan Kala Amb online only in 2 minutes.
Firstly, you should check your eligibility for Personal Loan Kala Amb
- Visit Dialabank
- Next, customers have to apply for a Personal Loan in online mode only.
- The next step is to Enter the contact number so that our team can contact you back.
- At last, Dialabank is the most trustworthy and best platform applying for a personal loan as customers will get a loan at affordable and reasonable personal loan interest rates.
Personal Loan Kala Amb Agents/Broker
Personal Loan Kala Amb is one in every of the foremost famed and most used loans within the market, as there are scores of advantages like no want for any security, a lower charge per unit, straightforward EMIs offers and what is more, it’s useful in nature, it will use anyplace.
To avail of a personal loan in Kala Amb, Dialabank is one of every one of the leading agents to induce your loan. you’ll be able to get in 9878981166 or apply online at www.dialabank.com. Dialabank offers you a close comparison of various banks rates so you’ll be able to select the most effective possibility among the banks and NBFCs.
Personal Loan Kala Amb Contact Number
For, instant help and approval call 9878981166, Personal Loan Kala Amb.
Pre Calculated EMI Table for Personal Loan Kala Amb
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 Kala Amb
It is located in the Sirmour District of Himachal Pradesh, India. In Personal Loan, there is a straightforward and time-saving method and it is possible only if you apply through Dialabank then visit www.dialabank.com or appeal 9878981166.
Personal Loan Bank in Kala Amb
Bank Name | Bank Address | Bank IFSC Code |
BANK OF BARODA | VPO KALAAMB, NEAR HP STATE CO-OP BANK, SIRMOUR DT, HIMACHAL PRADESH-173030. | BARB0KALAAM |
CENTRAL BANK OF INDIA | SURJIT SINGH BLDG., KALA AMB ROAD, PO.MOGINAND, DIST- SIRMOUR, SIMLA-173030 | CBIN0283329 |
CANARA BANK | CANARA BANK UNA NEAR ALLOYS INDUSTRIES, TIRLOKPUR ROAD, KALA AMB, DIST SIRMAUR HIMACHAL PRADESH 173030 | CNRB0006198 |
HDFC BANK | KALA AMB HDFC BANK LTD NAHAN ROAD, KALA AMB DIST-SIRMAUR PIN 173030 | HDFC0002101 |
HIMACHAL PRADESH STATE COOPERATIVE BANK LTD | TRILOKPUR PIN 173030 | HPSC0000569 |
Private BANK LIMITED | Private BANK LIMITED, VILLAGE OGLI, KALA AMB, DISTT SIRMOUR, HIMACHAL PRADESH, PIN-173001 | ICIC0003729 |
PUNJAB NATIONAL BANK | HM STEEL PREMISES, TRILOK PUR ROADVPO KALA AMB | PUNB0450300 |
STATE BANK OF INDIA | DISTSIRMAUR HIMACHAL PRADESH 173030 | SBIN0004590 |
FAQs on Personal Loan Kala Amb
✅ List down the documents that are required while applying for a personal loan Kala Amb?
The basic documents are Aadhar card, PAN Card, ITR statement for last three years, Bank statement or Salary Slip and passport size photographs. and these are the documents that are required while applying for a personal loan. However, if any other additional document is required it will be notified by the bank authorities.
✅ When am I able to pick a personal Loan?
Personal Loans is used for a spread of reasons. a private Loan is used for weddings, education, travel, medical or other general functions. you’ll be able to take a personal loan once you want cash to fund an incident or an emergency.
✅ When can I opt for a personal loan?
There is no specific time, it’s just when you feel your current financial status is weak. You can apply for a personal loan as it can be used for education, weddings, medical, travel and any more.