Personal Loan Lucknow

⋆ Interest Rate 9.99% ⋆

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      Table of Contents

      Personal Loan Lucknow

      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 FeaturesPersonal Loan Lucknow

      In these modern times, needs are rising high. Therefore, the expenses also are growing at a quick rate. It’s tough 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 most straightforward and most innovative, thanks to eliminating 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 income source and a decent credit history. Furthermore, there’s no end-use restriction on the employment of the personal loan amount.

      Personal Loan Details
      Interest Rate
      10.75% to 24% p.a.
      Processing Fees 0.5-2.5%
      Loan Tenure
      1 year to 5 years
      Pre-closure Charges 2% - 5%
      Guarantor Requirement
      No guarantor required

      Personal Loan Lucknow Interest Rates – Oct 19 2021

      The interest rates in a Personal Loan depends on the company’s profile and the salary of a person. The interest rate of personal Loan starts. Get 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

      personal loan at 10.75%*

      Personal Loan Lucknow Fees & Charges – Oct 19 2021

      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 Required for Personal Loan Lucknow

      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 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 various eligibility criteria for both applicants:

      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
      ICICI 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

      personal loan at 10.75%*

      Salaried Applicants:

      1. The minimum age requirements of individuals 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.

      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. The whole documentation process of the personal loan is the applicants have to submit his financial and bank statements 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 individual applicants’ credit score 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.

      Click here to know more – Self-employed Applicant

      personal loan at 10.75%*

      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 a competitive rate of interest. Several banks offer the most affordable loans in this category.
      3. Tenure: The fundamental quantity of those loans is extended to five years. There are several exceptions too.
      4. Quick Processing: The loans are processed in no time after the verification of the documents.
      5. EasyInstallments: The applicant’s quantity and amount are chosen for this loan consistent with his affordability.
      6. Minimum Documentation: The documents needed by the banks to avail of those loans are primary documents.
      7. Credit Score: a number of the applicants apply for these loans to boost their credit scores.

      How to apply for Personal Loan Lucknow?

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

      1. Visit our website dialabank.
      2. Go to the loan section and click on on the personal loan link.
      3. The applicants are required to fill the small print of themselves altogether.
      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 applications.

      1. The processing fee charges are mandatory for each ban/NBFC. These charges are 1% of the sanctioned loan amount.
      2. The other is pre-closure charges 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 range from 4% of the outstanding loan amount within the 2nd year to twenty-eight within the loan’s 4th year.

      Personal Loan Lucknow EMI Calculator

      Equated Monthly Installments, also known as EMI, because of 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. Therefore, 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 the payments that you have made 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 of 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 dialabank or give us 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 a 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 urgently need cash and have a regular income source (from employment or business) can apply for a Personal Loan in Lucknow.

      What is the tenure of a 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 that 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.

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

      Since a 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 to decrease your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.