Personal Loan Muzaffarpur

⋆ Interest Rate 9.99% ⋆

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      Table of Contents

      Personal Loan Muzaffarpur

      Best Banks for Personal Loan in Muzaffarpur

      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 Muzaffarpur Features

      Personal Loan MuzaffarpurAre you running short on cash? Do not worry Personal Loan is available for you. This loan is unsecured in nature with minimal documentation and less paperwork. It takes 48 hours after the verification process for the loan to be approved.

      Personal Loan Muzaffarpur is an unsecured form of loan that provides financial aid at affordable interest rates. To be eligible for a Personal Loan, the applicants need to have a stable source of income along with a good credit history.

      Personal Loan Muzaffarpur 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 in Muzaffarpur Documents Required 

      Essential documents required for availing Personal Loan Muzaffarpur:

      Salaried Customers:

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

      Self-Employed Customers:

      1. All financials are required (Balance Sheet, P&L Statement as well as Tax Return files)
      2. Aadhar Card/ PAN Card/ Voter ID/ Passport
      3. Residence Proof
      4. Two passport-sized photographs

      personal loan at 10.75%*

      Personal Loan in Muzaffarpur Eligibility Criteria

      The personal loan eligibility criteria for salaried, as well as self-employed individuals are as follows:

      Salaried Applicants

      1. The minimum age of eligibility is 21 years and a maximum of up to 60 years.
      2. Work experience of three years. The job location should be mentioned.
      3.  A borrower should have a minimum income of INR 25,000 per month
      4. The applicants must have an excellent credit history

      Self-Employed Applicants

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

      Why Apply for Personal Loan Muzaffarpur?

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

      How to apply for Personal Loan Muzaffarpur?

      1. Visit dialabank
      2. Navigate to the loan section and click on the personal loan online link.
      3. You will be directed to all details of the personal loan where you can choose your preferred city.
      4. For more information and free guidance, you may call on 9878981166.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Muzaffarpur

      Every Bank and NBFC charges a fee for processing your Personal Loan application. The charges vary between 1% of the loan amount.

      In case the applicant wishes to foreclose the loan before the agreed loan tenure, every bank and lending institution charges a penal prepayment fee. In most cases, the applicant cannot close your loan before 12 months. Post that the charges vary depending on how many years the loan has 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 Muzaffarpur 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.  Based on your profile, the interest rate on your loan is determined. 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.

      CIBIL Score required for Personal Loan Muzaffarpur

      Every lending institution has its own set of criteria for the minimum CIBIL score required for processing a Personal Loan application in Muzaffarpur. Most institutions demand a minimum score of 750 to process your loan application.

      The institutions don’t just look at the overall score but also 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 a fresh loan.

      personal loan at 10.75%*

      Personal Loan Muzaffarpur Agents

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

      Personal Loan Muzaffarpur Contact Number

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

      Pre Calculated EMI Table for Personal Loan Muzaffarpur

      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 Muzaffarpur

      Iis town in the district of Muzaffarpur, in the Tirhut area of BiharIndia. It serves as Tirhut area headquarters, Muzaffarpur district, and Muzaffarpur Railway district this is Bihar’s fourth-largest city.