Personal Loan Patna

⋆ Interest Rate 9.99% ⋆

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Why us?

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

Best Banks for Personal Loan in Patna

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 Patna Features

Personal Loan PatnaPersonal Loan Patna provides flexibility to individuals to get financial help in the times of need and avail a personal loan when it is required. Personal Loans can be availed for various purposes including marriage, holidays and to repay other loans.

 Benefits of Personal Loan Patna:

  • Minimum Documentation are required.
  • Competitive Rate of Interest.
  • Completes Immediate need for financial help.

Personal Loan in Patna 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
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

Documents required for Personal Loan Patna

Documents required to avail a personal loan vary for salaried customers and self-employed ones. Following are the important documents for both kinds of customers:

Salaried Customers:

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

personal loan at 10.75%*

Personal Loan Patna Eligibility Criteria

Personal Loan Eligibility criteria for both Salaried and Self-Employed are different:

Salaried Applicants

  1. The minimum age of the applicant should be 21 years and maximum of up to 60 years.
  2. If the borrower should have a salary of minimum Rs.18,000 per month
  3. The borrower must have the work experience of the last three years, and the salary should come in their account only.
  4. The person must have a good CIBIL score, i.e., at least 700+.
  5. The documentation process for Personal Loan Patna is straightforward; they have to submit their bank statement of the last three months and the salary slip of the previous six months.

To know more about: Personal Loan for Salaried Applicant

Self-Employed Applicants

  1. The self-employed person’s age should be minimum of 25 years.
  2. The applicant should file ITR at least for the last three years.
  3. The CIBIL of the applicant should be good, and no debt should be left due.
  4. The ITR(Income tax return) in which the applicant files should be Rs 2.5 lakhs per annum at least.
  5. And the applicant is a businessman than his business should be running from the last three years.
  6. The age of the applicant should be 25 years.

To know more about: Personal Loan for Self-employed Applicant

Why Apply for Personal Loan in Patna?

  1. The Loan amount depends upon the income and repayment capability of the applicant.
  2. Personal Loan Patna is a multi-purpose offer that can be used for almost all financial problems.
  3. No need to put any property or asset as security to the lender.
  4. No cosigner needed for Personal Loan Patna.
  5. Personal Loan does not require any guarantor or nominee.

How to apply for Personal Loan in Patna?

To apply for an Instant Personal Loan Patna, Applicants don’t need to visit the bank’s branch as applicants can apply for it online at DialaBank.com. The process is very easy & handy. This involves only a few steps:

  • Click here and fill the form.
  • Relationship Manager Will Call applicant in Next 2 Working Hours.
  • Compare personal loan offers from several banks and NBFCs on the DialaBank website.
  • Check the eligibility and View the best offers available.
  • Select the desired bank or keep in contact with the Relationship Manager of DialaBank for more assistance.
  • After selecting the bank, fill out a form to process the loan application.
  • Upload all the documents or schedule document pickup from home or office.
  • After your documents are verified, the bank’s executive will give the applicant a verification call.
  • The amount will get disbursed to the applicant’s account within 3-5 working days if the loan gets approved.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Patna

Every Bank and NBFC charges two kinds of fees from its customers. The first is a fee for processing your Personal Loan application. These charges are 1%  of the sanctioned loan amount.

Personal Loan EMI Calculator Patna

The Personal loan EMI Calculator can be used to know your EMI value on your loan amount. Equated Monthly Installments also know as EMI are the monthly charges that you pay to the bank as monthly repayment for the loan amount borrowed. Based on your profile, income, loan amount, and tenure the interest rate on your loan is determined. Your EMI is calculated basis the Interest Rate you are charged by the bank which is required to be paid every month.

CIBIL Score required for Personal Loan Patna

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

  1. Generally, a CIBIL score of 750 is required to process the Loan Application.
  2. Many times Other factors such as income and Job stability also play an important factor is a process.
  3. The Institutions go through a detailed analysis of the Loan Repayment of your past Loans.

personal loan at 10.75%*

Personal Loan Patna Agents

DialaBank is the best agent present everywhere to help you regarding Personal Loan Patna. A dedicated Relationship Manager is present to help you go through the process and help you avail the Loan in less time and fulfill your urgent need of money.

Personal Loan Patna Contact Number

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

Pre Calculated EMI Table for Personal Loan Patna

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 Patna

Patna is a city, located on the southern bank of the Ganges in the Indian state of Bihar. It is the capital and the most populous city of Bihar. Patna experiences a tropical wet and dry climate. Patna has many temples and religious places. Many festivals are celebrated in Patna.

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