Personal Loan Lucknow

⋆ 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

Major Personal Loan Providers in Lucknow

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 Lucknow Features

personal loan LucknowIn these modern times, needs are rising high therefore the expenses also are rising at a quick rate. it’s very difficult for someone to cope up with this unstable climate. a private loan is the best loan choice to handle all expenses easily. this is often the simplest and smartest thanks to getting eliminate financial worries. This loan seems to be attractive as you would like not to deposit any assets to the lender.

As the name suggests, a private Loan is also opted by a person because of an urgent requirement of money, for instance, any medical issue, education purpose, or wedding or to meet any of your other personal needs. this is often a life-saver option.

To get a loan, the applicant must have a rigid and good source of income and a decent credit history. Furthermore, there’s no end-use restriction on the employment of the personal loan amount

Personal Loan Lucknow 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 Lucknow

The documents required for a personal loan varies from a salaried customer to a self-employed customer in the following manner:

Salaried Customers:

  1. Identity proof (Aadhar card/driving license)
  2. PAN Card
  3. Residence Proof (Owned/Rented/Company provided)
  4. Salary slips of last three months
  5. Bank statements for the last 6 months
  6. Passport-sized photographs – 2
  7. In the case of rented apartments, 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 at 10.75%*

Eligibility Criteria for Personal Loan Lucknow

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. Minimum age requirements of individuals should be 21 years and maximum up to 60 years.
  2. The applicants must have the work experience of the three years. And the salary should be received in their accounts only.
  3. The applicants must have an excellent credit history.
  4. Job location of the applicant should be mentioned.

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. 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 .there should not be any debt or dues left.
  6. The annual income of the applicants should be a minimum of Rs 2.5 lakh.

Why Apply for Personal Loan Lucknow?

  1. No Securities: The securities for these loans don’t seem to be required. These loans are supported by the monthly or annual income of the applicants.
  2. Interest Rates: These loans have an awfully competitive rate of interest. a number of the banks offer the most affordable loans during this category.
  3. Tenure: The fundamental quantity of those loans is extended to five years. There are a number of the exceptions too.
  4. Quick Processing: The loans are processed in no time after the verification of the documents.
  5. EasyInstallments: the quantity and amount of the instalments is chosen by the applicant for this loan consistent with his affordability.
  6. Minimum Documentation: The documents needed by the banks to avail of those loans are basic documents.
  7. Credit Score: a number of the applicants apply for these loans just to boost their credit score.

How to apply for Personal Loan Lucknow?

Applying for a personal loan is easy with DialaBank. Get instant personal loan on applying online with DialaBank. Just follow the steps below to enjoy a hassle-free experience:

  1. Visit our website www.dialabank.com.
  2. Go to the loan section and click on on the personal loan link.
  3. The applicants are required to fill altogether the small print of themselves.
  4. Click for the asking a quote and our relationship manager will soon get in grips with you.
  5. For more information and free guidance, you will appeal 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Lucknow

Every Bank and NBFC charges two sorts of fees for on loan application.

  1. The processing fee charges are mandatory for each ban/NBFC. These charges vary between 1% to 2.5% of the sanctioned loan amount.
  2. The other is pre-closure charges which are applicable just in case you want to foreclose your loan before the agreed loan tenure. In most cases, you can’t close your loan before 12 months. Post that the fees vary looking at what percentage years the loan has done. These charges vary from 4% of the outstanding loan amount within the 2nd year to twenty-eight within the 4th year of the loan.

Personal Loan Lucknow EMI Calculator

Equated Monthly Installments also know as EMI is that the monthly fixed amount that the customer or applicant needs to pay to the bank because of the loan amount. The applicant is that the borrower in such cases and also the bank is that the lender. EMI varies consistent with your loan amount and tenure. you’ll be able to find the Personal loan EMI calculator on DialaBank’s website.

CIBIL Score required for Personal Loan Lucknow

CIBIL Score is the history of your payments that you have done 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 taken (if any) and the credit card history (if you have).

  1. Mostly a CIBIL score of 750 and above is considered good while applying for a personal loan.
  2. The better the CIBIL score the easier it becomes to avail the loan.

personal loan at 10.75%*

Personal Loan Lucknow Agents

Dialabank is associated with various banks and NBFCs in Lucknow that provide personal loans at low-interest rates. Thus, DialaBank is the leading agent for availing Personal Loan in Lucknow. You can also apply online at www.dialabank.com or give a call at 9878981166.

  1. We do not charge any extra fees from our customers.
  2. We are always ready to help our applicants and are available 24/7.
  3. The approval process is time-saving if you apply through DialaBank.
  4. The Loan gets disbursed within 24 hours.
  5. Our experts will assist you, and our relationship managers will provide guidance.

Personal Loan Lucknow Contact Number

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

Pre Calculated EMI Table for Personal Loan Lucknow

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 Lucknow

Lucknow is the capital city of Uttar Pradesh in India. It is a metro city. It is the 2nd largest city in north, east and central India after Delhi. It is a significant hub of music, poetry, aerospace, pharmaceuticals, design, culture, and tourism.

FAQs About Personal Loan Lucknow

Who can apply for a Personal Loan in Lucknow?

People who have an urgent need for cash and have a regular source of income (from employment or business) can apply for a Personal Loan in Lucknow.

What is the tenure of Personal Loan in Lucknow?

Most of the Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. There are some Banks which extend the maximum period to 7 Years also. The tenure is fixed and cannot be extended. The repayment has to be done in equal monthly instalments within the agreed tenure of the loan.

Are there any other charges involved in Personal Loan Lucknow?

Yes, there are 2 types of charges that one needs to pay in order to avail a personal loan in Lucknow:

Processing Fee: For every bank or lending institution that you borrow from, there is a small fee that they charge from the customer. This is known as Processing Fee. The amount of processing fee varies for each lending institution and is normally between 1% and 2.5% of the loan amount.

Pre-closure Charges: Whenever you want to close a running loan before its agreed tenure period, the Banks and NBFCs charge an extra amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges vary depending on how many years has your loan completed before you decide to pre-close it.

Can my application for Personal Loan Lucknow get rejected due to my CIBIL score?

Since Personal Loan is an unsecured loan, one of the most important decision criteria for getting your Personal Loan application approved is your CIBIL Score. Having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan in the future. Make sure you don’t skip any of your loan EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.

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