Personal Loan Panchkula

⋆ Interest Rate 9.99% ⋆

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      Rates as low as 9.99%*
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      Table of Contents

      Personal Loan Panchkula

      Best Banks for Personal Loan in Panchkula

      Feature HDFC Bank ICICI Bank Bajaj Finance
      Interest Rate 10.75% - 17% 11.25% - 18.5% 0.12
      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 Panchkula Features

      Personal Loan PanchkulaAre 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. This loan can get approved within 48 hours after the verification process.

      Personal Loan Panchkula 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 source of income and has a good credit history.

      Finance through a Personal Loan can be used for any purpose and is not restricted to any one purpose. Due to its dynamic use, it is quite convenient for all to avail.

      Personal Loan in Panchkula 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 required for Personal Loan Panchkula

      Salaried Customers:

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

      *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. Two passport-sized photographs
      4. ID Proof such as Aadhar Card, Voter ID, Driving License
      5. Residence Proof

      personal loan at 10.75%*

      Personal Loan Panchkula Eligibility Criteria 

      Salaried and Self-Employed have different eligibility criteria for Personal Loan Panchkula are the following:

      Salaried Applicants:

      1. The applicants must have work experience of three years. And the salary should be received in their personal accounts only.
      2. The applicants must have an excellent credit history.
      3. The minimum age requirements of the borrower should be 21 years and a maximum of up to 60 years
      4. The 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. If the applicant is a  businessman, then the business should be running for the past three years.
      4. The credit score of the individual applicants should be good without 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 about eligibility: Personal Loan Eligibility

      Why Apply for a Personal Loan in Panchkula?

      1. Mortgage and collateral security to the bank is needless as it is an unsecured loan
      2. A Personal Loan does not require any guarantor or nominee.
      3. A personal loan is a multi-purpose offer loan. It can be used for all the problems related to finance.
      4. The amount of a personal loan depends upon the repayment of individual income and capacity.

      How to apply for a Personal Loan in Panchkula?

      1. Visit Dialabank.
      2. Go to the loan section and click on the personal loan link.
      3. The applicant will be directed to all details of the personal loan where they can choose their preferred city.
      4. Our executives will get in touch with you regarding the details and eligibility
      5. For more information and free guidance, you may call on 9878981166.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Panchkula

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

      In case 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 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 EMI Calculator Panchkula

      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 on the basis the personal loan 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.

      To know more about EMI Calculator, click here: Personal Loan EMI Calculator

      CIBIL Score required for Personal Loan Panchkula

      Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Panchkula. Most institutions require a minimum score of 750 for loan approval.

      The institutions don’t just look at the overall score but also the detailed behavior 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 Panchkula Agents

      Dialabank is the leading agent for availing Personal Loan in Panchkula. Apply online or give a call at 9878981166.

      Dialabank helps you to find the best option for Banks and NBFCs by providing you with a thorough market comparison of various banks so that you can 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 Panchkula Contact Number

      Call 9878981166 and get Instant Personal Loan in Panchkula.

      Pre Calculated EMI Table for Personal Loan Panchkula

      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 Panchkula

      One of the most planned towns, Panchkula is a satellite city of the state of Haryana. It adjoins the Tricity of Chandigarh, Mohali, and Zirakpur. It is famous for its trekking on the Morni hills where peacocks can be found along with the presence of Chandel ruins in the city.

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