Personal Loan Kapurthala

⋆ Interest Rate 9.99% ⋆

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      Why us?

      Rates as low as 9.99%*
      Loans Up to 30 Lacs
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      Table of Contents

      Personal Loan Kapurthala

      Best Banks for Personal Loan in Kapurthala

      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 in Kapurthala Features

      Personal Loan Kapurthala

      A simple and safe scheme, a Personal Loan is a type of loan offered by almost all major banks and NBFCs which can be used for monetary support at any time. Personal Loan Kapurthala is an unsecured loan that doesn’t require the applicant to pledge any security or collateral against the sanctioned amount and can be utilized for any purpose as you like. Avail Personal Loan through DialaBank in just a few minutes.

      Personal Loan Kapurthala 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 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

      Documents for Personal Loan Kapurthala

      Salaried Customers:

      1. Address Proof (Owned/Rented/Company provided)
      2. 2 passport size photo (colored)
      3. Salary slips of the last three months of the applicant
      4. Bank statements for the last six months should be submitted
      5. PAN Card
      6. Proof of identity (Aadhar card/driving license)

      *NOTE: In the case of rented apartments, a rent agreement needs to be attached.

      Self-Employed Customers:

      1. 2 passport size photo (colored)
      2. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
      3. Address Proof (Owned/Rented/Company provided)
      4. PAN Card
      5. Proof of identity (Aadhar card/driving license)

      personal loan at 10.75%*

      Personal Loan in Kapurthala Eligibility Criteria

      The personal loan eligibility criteria for both Salaried and Self-Employed vary in the following way:

      Salaried Applicants

      1. The borrower must be at least 21 years of age and a maximum of 60 years of age.
      2. The applicants should have a minimum of 3-year work experience and should receive the salary in their account.
      3. The borrower should have a decent credit history.
      4. The job location of the applicant should be mentioned.

      Self-Employed Applicants

      1. A self-employed applicant must be at least 25 years
      2. The applicants applying for the personal loan must file ITR for the previous three years.
      3. The business should be running for the previous three years if the borrower is a businessman.
      4. Applicants have to submit his financial and his bank statement for the last three months.
      5. A good CIBIL score is a must.
      6. Minimum Rs 2.5 lakh of annual income is required for loan approval

      Check about eligibility here: Personal Loan Eligibility

      Why Apply for Personal Loan Kapurthala?

      1. No restrictions to the use of loan amount as it is a multi-purpose loan
      2. The amount of a personal loan depends upon the repayment of individual income and capacity.
      3. Banks do not require any collateral or security deposit
      4. Does not require any guarantor or nominee.

      How to apply for Personal Loan Kapurthala?

      1. Visit Dialabank and apply without wasting any time
      2. Click on Personal Loan in the loan section
      3. The applicant needs to fill in their details regarding salary, income, and other personal information.
      4. Our relationship manager will then get in touch for further assistance

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Kapurthala

      Banks charge around 1% of the sanctioned loan amount as a Personal Loan Kapurthala processing fee of your loan application.

      If you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. After that, the charges differ based on how many years the loan has been completed. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.

      Personal Loan Kapurthala EMI Calculator

      Equated Monthly Installments, also known as EMI, are the monthly fixed charges you pay to the bank as monthly repayment for the loan amount borrowed. The interest rate on your loan is determined based on your income, profile, and CIBIL score. Therefore, your EMI is calculated basis the Interest Rate you are charged by the bank, the amount of loan you have to take, and the period for which you enjoy the loan.

      Get to know more about EMI Calculator: Personal Loan EMI Calculator

      CIBIL Score required for Personal Loan Kapurthala

      Every lending institution has its criteria for the minimum CIBIL score required for processing a Personal Loan application in Kapurthala. However, most institutions require a minimum score of 750 to process your loan application.

      The banks don’t simply look at the general score yet besides analysis on the previous loan taken. This remembers subtleties for the kind of credit taken and the sum obtained. So any deferred installments for past credits can go about as an obstruction to your profiting a new loan.

      personal loan at 10.75%*

      Personal Loan Kapurthala Agents

      DialaBank is the leading platform for availing of Instant Personal Loan in Kapurthala. You can apply online at Dialabank.

      Personal Loan Kapurthala Contact Number

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

      Pre Calculated EMI Table for Personal Loan Kapurthala

      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 Kapurthala

      Also known as Paris of Punjab, Kapurthala was founded by Rajput Clans of Jaisalmer in the 11th Century. It is a city in the state of Punjab famous for its architecture and gardens all around.

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