About Personal Loan Maharajganj
Are you in need of a lump sum amount of money? Do you have an expense that you have to urgently deal with? Then apply for a personal loan and fulfill all your financial needs. A personal loan is a type of unsecured loan that a person can avail based on their salary and credit score without the need to submit any collateral security to the lender.
Personal Loan Maharajganj Eligibility Criteria
The personal loan eligibility criteria for both Salaried and Self-Employed is different:
Salaried Applicants
- Minimum age: 21 years
- Maximum age: 60 years.
- The applicants shall have a work experience of at least three years.
- They shall be receiving their salary in a bank account.
- The applicants shall have a good credit history and CIBIL score.
Self-Employed Applicants
- Minimum age: 25 years.
- Maximum age: 65 years.
- The applicant shall be filing ITR for the last three years.
- If the applicant is a businessman, then the business should at least be running for the past three years.
- The credit score of the individual applicant should be good.
- There shall not be any pending debt or dues.
- The annual income of the applicant should be a minimum of Rs 2.5 lakhs.
Personal Loan Maharajganj Documents
Common Documents for all applicants
- Identity Proof: Following documents are accepted as identity proof
- Passport
- Voter ID card
- Aadhaar card
- Ration card
- Driving license
- Residence Proof: Following documents are accepted as residence proof
- Passport
- Voter ID card
- Aadhaar card
- Ration card
- Driving license
If the applicant lives in a rental apartment then they shall submit their registered rental agreement and electricity bill which shall be on their name and addressed to the owner.
- Under KYC, every applicant has to mandatorily submit their PAN card.
- Two colored passport-sized photographs (Applicants shall be wearing any glasses).
Financial Documents for Salaried Applicant – The salaried applicants need to submit their salary slip of the past three months and bank statement of the last six months.
Financial Documents for Self Employed – A self-employed applicant of the personal loan should be filing ITR for at least the last three years, and their business should be registered.
Personal Loan Maharajganj Interest Rates
Personal loan interest rates depend upon the loan amount tendered, tenure of the loan, and the CIBIL score of the applicant. In general, the personal loan rate of interest starts at 9.99% per annum.
CIBIL Score required for Personal Loan Maharajganj
All banks and NBFCs first check your credit score to decide whether you are eligible to avail of a loan or not. They do this so that they can avoid bad debts and unpaid loans. Your credit score or CIBIL score shows the banks how trustworthy you are as a borrower and how likely you are to repay your loan amount.
Mostly, you need to have a credit score of 750 and above to avail of a personal loan of your choice. In case your CIBIL score is very less, you may first take short term loans and repay them on time to improve your score. You can also show the papers of any rented property under your name to show that you are regular in your payments
Personal Loan Maharajganj EMI Calculator
An EMI calculator helps you calculate your monthly installments for a loan beforehand so that you can plan your repayment accordingly. All you have to do is enter your principal amount, interest rate, and your loan tenure in months.
Personal Loan Maharajganj Apply Online
- Visit Dialabank.com
- Fill in your details in the personal loan form.
- Our relationship manager will call you and assist you through the entire process.
About Maharajganj
Maharajganj district is one of the 75 districts of Uttar Pradesh state in northern India, and the town of Maharajganj is the district headquarter. The district is a part Gorakhpur division. It is located in the Terai regions of Himalayas, bordering Nepal in the North.
Personal Loan 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 |
| Private 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
