Personal Loan Pathankot

⋆ Interest Rate 9.99% ⋆

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Rates as low as 9.99%*
Loans Up to 30 Lacs
Same Day Disbursal
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Unbiased Experts Advice

Best Banks for Personal Loan in Pathankot

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 Pathankot Features

Personal Loan Pathankot

Personal Loan is an unsecured loan that provides financial aid and assistance to the customers at affordable interest rates. To get a Personal Loan Pathankot, the applicant needs to have a positive and good source of income and has a good credit history. There stands no end-use restriction on the use of the personal loan amount. You can use this loan amount anywhere you wish to do.

  1. Personal Loan Pathankot is a multi-purpose offer that can be used for almost all financial problems of life.
  2. The loan amount is based upon the income and the repayment capability of the person.
  3. Personal Loan Pathankot is the safe and straightforward Loan scheme for raising funds in times of need.
  4. Personal Loan Pathankot is readily available within 48 hours.

Personal Loan in Pathankot Interest Rates and Charges

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

Personal Loan in Pathankot Documents Required

The various Documents needed to obtain a personal loan tends to vary based on an individual’s capacity. The essential documents needed for both kinds of customers are:

Salaried Customers:

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

Self-Employed Customers:

  1. Two passport-sized photographs
  2. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
  3. PAN Card
  4. Aadhar Card
  5. Residence Proof

personal loan at 10.75%*

Personal Loan in Pathankot Eligibility Criteria

The Personal loan eligibility criteria vary for both Salaried and Self-Employed customers in Pathankot:

Salaried Applicants

  1. Salary: Rs 18,000 (Monthly).
  2. Minimum Age: 21 Years.
  3. Maximum Age: 60 Years.
  4. Work Experience: Total 3 years and 1-year experience in the ongoing job.
  5. CIBIL Score must be more than 700.

Self-Employed Applicants

  1. Residence: Must be having an Office or Home.
  2.  The business should be running for the last three years.
  3. CIBIL Score must be more than 700.
  4. Minimum Age: 25 Years.
  5. Maximum Age: 65 Years.
  6. Should be filing for an annual ITR of 2.5 to 3 lakh.

Why Apply for Personal Loan Pathankot?

  1. It is a safe and straightforward loan scheme for raising funds in times of need.
  2. It is readily available within 48 hours.
  3. It can solve any financial issues.
  4. Free of any cost.

How to apply for Personal Loan Pathankot?

Anybody can apply for Personal Loan Pathankot online only in 2 minutes. The process of application is straightforward and quick.

  1. Visit Dialabank
  2. After that, apply for a Personal Loan online.
  3. Please fill your details like name, income, location to assist us better in providing you offers.
  4. Our relationship manager will soon get back to you.
  5. Dialabank is the best platform available online to apply for a personal loan in Pathankot as you will get a loan at affordable rates of interest.

You may also call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Pathankot

Availing a personal loan incurs some kinds of charges for a personal loan in Pathankot. Every Bank and NBFC charges mainly two kinds of fees from its customers. The first is a fee for processing your Loan application. The Personal loan Pathankot processing fee is 1% of the sanctioned total loan amount.

The second being Pre-closure charges for a situation when you want to close your loan before your fixed tenure. In most cases, you cannot for-close your loan before the tenure of 12 months. Post that the charges also 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 and are only applicable if you do not complete your loan repayment in the fixed tenure.

Personal Loan Pathankot EMI Calculator

The Personal loan EMI Calculator can be used anytime freely to realize your EMI fee in your mortgage quantity. Equated month-to-month Installments also recognize as EMI are the monthly expenses that you pay to the bank as month-to-month reimbursement for the loan amount borrowed for monetary needs. Based totally on your profile, profits, mortgage quantity, and tenure the hobby charge for your mortgage is determined as a consequence. Your EMI is calculated basis the hobby price you’re charged via the particular bank which is required to be paid each month till completion of the tenure. EMI is simple to pay and does not put any burden on you financially.

CIBIL Score required for Personal Loan Pathankot

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Pathankot.

  1. The institutions don’t just check the overall score but also the specific behaviour on the previous loans taken.
  2. Most institutions want a CIBIL score of 750 and above to process your loan application.
  3. Some might look into other factors like income and job stability to process the personal loan.
  4. This includes details on the type of loan taken previously by you and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your getting a new loan.

personal loan at 10.75%*

Personal Loan in Pathankot Agent and Contact Number

Dialabank is your best agent in Pathankot for availing any loan. It helps you in comparing deals from various banks and NBFCs so that you can avail the best offers available according to your capability and requirement. DialaBank is your best agent available for a personal loan in Pathankot. Our relationship manager will ensure you get the best loan at the lowest possible interest rate with hassle-free and minimal documentation. The reason behind choosing DialaBank as your agent for a personal loan is:

  1. We do not charge you for our services rendered.
  2. The loan gets disbursed within a few hours of applying with us.
  3. Our relationship manager guides you through the entire process of personal loans.

For any assistance or guidance kindly contact on 9878981166.

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

Pre Calculated EMI Table for Personal Loan Pathankot

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 Pathankot

Pathankot is the fifth largest city in Punjab. It lies in the foothills of Kangra and Dalhousie. It is the meeting point of three northern states, i.e. Punjab, Himachal Pradesh, and Jammu and Kashmir. It also serves as a travel hub for the three states.

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