Personal Loan Kapurthala

⋆ 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 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 KapurthalaA simple and safe scheme, 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
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

Documents for Personal Loan Kapurthala

Salaried Customers:

  1. Address Proof (Owned/Rented/Company provided)
  2. 2 passport size photo (coloured)
  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 case of rented apartments, rent agreement needs to be attached.

Self-Employed Customers:

  1. 2 passport size photo (coloured)
  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 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 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 from 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. 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 use of loan amount as it is a multi-purpose loan
  2. The amount of 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 1.5% to 2.5% of the sanctioned loan amount as a processing fee of your loan application.

In case 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 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 know as EMI are the monthly fixed charges that 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. Your EMI is calculated basis the Interest Rate you are charged by the bank and 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 Delhi. Most institutions require a minimum score of 750 to process your loan application.

The banks don’t simply take a 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. Any deferred instalments 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 platforms for availing 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 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 11th Century. It is a city in the state of Punjab famous for its architecture and gardens all around.

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