Personal Loan Kotkapura

⋆ 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

      Personal Loan Kotkapura

      Major Personal Loan Providers in Kotkapura

      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 Kotkapura Features

      Personal Loan Kotkapura

      Are you running short on cash? Do not worry. A personal loan is available for you. This loan is unsecured in nature with minimal documentation and less paperwork. This loan can get approved within 48 hours after the verification process.

      Personal Loan Kotkapura is an unsecured loan that provides financial aid to customers at affordable interest rates. To get a Personal Loan, the applicant needs to have a rigid and good income source and a good credit history.

      Furthermore, there is no end-use restriction on the use of the personal loan amount. Therefore, you can use this loan amount anywhere you want to do.

      Personal Loan Kotkapura 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 Kotkapura

      Salaried Customers:

      1. Identity proof (Aadhar card/driving license)
      2. Salary slips of last three months
      3. Bank statements for the last 6 months
      4. PAN Card
      5. Residence Proof (Owned/Rented/Company provided)
      6. Passport-sized photographs – 2

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

      Self-Employed Customers:

      1. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
      2. PAN Card
      3. Aadhar Card
      4. Residence Proof
      5. Two passport-sized photographs

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Eligibility Criteria for Personal Loan Kotkapura

      The personal loan eligibility criteria for both Salaried and Self-Employed are different:

      Salaried Applicants

      1. The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
      2. The applicants must have work experience of three years. And the salary should be received in their accounts only.
      3. The applicants must have an excellent credit history.
      4. The job location of the applicant should be mentioned.
      5.  A borrower should have a minimum income of INR 25,000 per month

      Click here to know more about- Salaried Applicant

      Self-Employed Applicants

      1. The minimum age requirement for an independent person should be 25 years.
      2. The applicants applying for the personal loan should file ITR for the last three years.
      3. If the applicants are the businessman, then the business should be running from the past three years.
      4. The credit score of the individual applicants should be good .there should not be any debt or dues left.
      5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
      6. 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.

      Click here to know more – Self-employed Applicant

      Why Apply for Personal Loan Kotkapura?

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

      How to apply for Personal Loan Kotkapura?

      1. Visit Dialabank
      2. Go to the loan section and click on the personal loan link.
      3. The applicant will be directed to all personal loan details where they can choose their preferred city.
      4. 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 Kotkapura

      Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges are 1% of the sanctioned loan amount.

      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. Post that, the charges vary depending on how many years the loan has been done. 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 Kotkapura EMI Calculator

      You can use a personal loan EMI calculator to calculate your EMIs. 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.  Based on your profile, the interest rate on your loan is determined. Then, your EMI has calculated the basis of the Interest Rate the bank charges you, the amount of loan you have to take, and the period you enjoy the loan.

      CIBIL Score required for Personal Loan Kotkapura

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

      The institutions look at the overall score and the detailed behaviour on the previous loans taken. This includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your availing of a fresh loan.

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Personal Loan Kotkapura Agents

      Dialabank is the leading agent for availing Personal Loan in Kotkapura. You can apply online at Dialabank or give a call at 9878981166

      Dialabank helps you find the best option for Banks and NBFCs by providing you with a detailed market comparison of different banks to make the right choice. Visit our website www.dialabank.com and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

      Personal Loan Kotkapura Contact Number

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

      Pre Calculated EMI Table for Personal Loan Kotkapura

      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 Kotkapura

      Kot Kapura is a historical city in the Faridkot district, some 50 km from Bathinda, 40 km from Moga and 30 km from Muktsar in Punjab, India. It is the largest city in the Faridkot district and has a large cotton market. It takes around 15 minutes by bus from Faridkot, 4 hours by road from Chandigarh and 2.0 hours from Ludhiana, and 8 hours from New Delhi by train to reach the city. It is a central city on route to Ganganagar, Ludhiana, Bathinda, Firozpur, etc. Kot Kapura takes its name from its founder, Nawab Kapur Singh, and the word “Kot”, meaning a small fort – literally the “fort of Kapura”. The city is known for its “Dhodha” and “Atta Chicken”.

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