Personal Loan Patna

⋆ Interest Rate 9.99% ⋆

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      Rates as low as 9.99%*
      Loans Up to 30 Lacs
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      Table of Contents

      Personal Loan Patna

      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 Patna

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

       Benefits of Personal Loan Patna:

      • Minimum Documentation is required.
      • Competitive Rate of Interest.
      • Completes Immediate need for financial help.
      Personal Loan Details
      Interest Rate
      10.75% to 24% p.a.
      Processing Fees 0.5-2.5%
      Loan Tenure
      1 year to 5 years
      Pre-closure Charges 2% - 5%
      Guarantor Requirement
      No guarantor required

      Personal Loan in Patna Interest Rates Jan 18 2022

      The interest rates in a Personal Loan depends on the company’s profile and the salary of a person. The interest rate of personal Loan starts @10.75% per annum.

      Name of the Bank Interest Rate Range Processing Fee Range Loan Amount Tenure
      ICICI Bank 11.59% - 18.49% (Fixed) 2.25% (min. Rs.1149) One time fee Rs.20 lakh (Max) 1-5 Years
      CitiBank 10.99% - 15.99% (Fixed) 1% to 2.5% Rs.30 lakh (Max) 1-5 Years
      Kotak Mahindra Bank 10.99% to 24% p.a. Up to 2.5% of the loan amount along with GST or service tax Rs.50,000 to Rs.15 lakh 1 to 5 Years
      Fullerton India 11.99% to 23.99 p.a. Information not provided. Up to Rs.20 lakh for salaried and up to Rs.30 lakh for self-employed individuals 1 to 4 Years
      Bank of Baroda 11.35% - 14.35%Fixed Rs.1,000 to Rs.10,000 (One time fee) Rs.20,000 - Rs.2 lakh 4 Years (Max)
      State Bank of India 12.90% - 14.90% (Fixed) 1% (One time fee) Rs.24,000 - 15 lakh 5 Years
      Aditya Birla 11.5% - 13.25% (Fixed) Nil Rs.30 lakh (Max) 1-5 Years
      Allahabad Bank Information not provided 1.06% of loan amount Information not provided. 1 to 5 Years
      Yes Bank 14% p.a. Up to 2% (One-time fee) Rs.2 lakh to Rs.20 lakh 1 to 5 Years
      Corporation Bank 12.75% to 13.75% p.a. Up to 1.5% Minimum amount of Rs.500 Up to Rs.3.50 lakh Up to 5 Years

      personal loan at 10.75%*

      Personal Loan Patna Fees & Charges – Jan 18 2022

      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 Patna

      List of Documents Required for Salaried Applicants

      Salaried individuals must submit the following documents in addition to a completed personal loan application form:

      Photo Identity Proof (Any one) Passport
      PAN Card
      Voter’s ID
      Aadhar Card
      Driving License
      Address Proof (Any one)
      Passport
      Utility Bill (telephone, electricity, water, gas) – less than 2 months old
      Aadhaar Card
      Driving License
      Ration Card
      Income Proof
      Salary slips (Last 3 months)
      Bank statements for the last 3 to 6 months (showing salary credit)
      Tax Paid (Any one
      IT returns (for 2 years)
      Form 16
      Residence Ownership Proof (Any one)
      Property documents
      Maintenance bill
      Electricity bill
      Proof of Job Continuity (Any one)
      Current employment certificate
      Current job appointment letter (if more than 2 years have been spent in the same organisation)
      Experience certificate (previous employer’s relieving or appointment letter along with job certificate)
      Proof of Investment (if any)
      Fixed assets, fixed deposit, shares, etc.
      Existing Loans (if any)
      Payment Track Record & Sanction letter
      Photograph
      One coloured passport size photograph

       

      List of Documents Required for Self-employed Applicants

      Self-employed personal loan applicants must submit the following documents in addition to a fully completed loan application form:

      Photo Identity Proof (Any one) Passport
      PAN Card
      Voter’s ID
      Aadhaar Card
      Driving License
      Address Proof (Any one)
      Passport
      Aadhaar Card
      Driving License
      Utility Bill (telephone, water, electricity, gas) – less than 2 months old
      Ration Card
      Proof of Residence Ownership (Any one)
      Property documents
      Maintenance bill
      Electricity bill
      Proof of Office Address and Ownership (Any one)
      Maintenance bill
      Property documents
      Electricity bill
      Proof of Business Existence (Any one)
      Copy of GST registration
      Company registration license
      Shop establishment proof
      Income Proof
      Last 2 years Income tax returns of the applicant along with computation of income duly attested by a Chartered Accountant
      Audited balance sheet and Profit & Loss accounts, including tax audit report, if applicable
      Bank statement
      Savings/current account bank statement/ bank passbook for the past one year
      Proof of Investment (in case any)
      Investments such as fixed deposit, fixed assets, shares, etc.
      Existing Loans (in case any)
      Payment Track Record and sanction letter
      Professional Degree Certificate
      In case of professionals
      Photograph
      One coloured passport size photograph

       

      List of Documents Required for NRI Applicants

      When applying for a personal loan, NRI candidates are typically required to submit the following documents:

      Identity Proof Copy of the passport
      Copy of the visa
      Employment Proof Letter of Appointment
      Job contract
      Labour/ Identity card (if applicable)
      Official email ID or the HR’s email ID
      Income Proof Last 6 months’ bank statements
      Last 6 months’ salary slips or salary certificate
      Photograph Passport size photographs

       

      List of Documents Required for Pensioners

      When applying for a personal loan, a pensioner must submit the following documents:

      Identity/Age Proof (Any one)
      Ration card
      Passport
      PAN card
      Aadhar card
      Voter ID card
      Driving licence
      Birth certificate
      School leaving certificate
      Address Proof (Any one) Passport
      Aadhaar card
      Utility bills
      Ration card
      Driving licence
      Income Proof (Any one)
      Last 6 months’ bank statements/salary slips
      Bank passbook
      Form 16
      Copy of pension payment order
      Income tax returns
      Photographs
      Passport size photographs

       

      Know More About: Personal Loan Eligibility Criteria

      personal loan at 10.75%*

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

      Personal Loan Patna Eligibility Criteria

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

      Particulars Salaried Self-Employed
      Age 21 - 60 years 21 - 65 years
      Minimum Income Rs.15,000* Rs.5 Lakh p.a.
      Co-applicant Not mandatory Not mandatory
      Loan Tenure 12 – 60 months 12 – 60 months
      Maximum Loan Amount Rs.40 Lakh Rs.40 Lakh
      Employment Type Employees of private limited companies and public sector undertakings
      Self-employed individuals
      Employment/Business Continuity At least 2 years; minimum 1 year with current employer
      4 years Post Qualification experience for Doctors/ Chartered Accountants.
      5 years Post Qualification experience for Company Secretary / Architect.
      CIBIL Score 750 and above 750 and above
      Residential Status
      Resident Indian staying in own house or a rented house

       

      *In cities such as Kochi, Kolkata, Ahmedabad, Pune, Hyderabad, Mumbai, Chennai, Bengaluru, and Delhi the net monthly income required is Rs.20,000

      Click here to know more about - Salaried Applicant
      Click here to know more about - Self-employed Applicant

      *Note: The eligibility criteria vary from lender to lender.

      Check Personal Loan Eligibility with Top Lenders in 2021

      Bank Age Limit Minimum Work Experience
      Minimum Income (Per Month)
      SBI Up to 76 years NA** Rs.15,000
      HDFC 21 to 60 years 2 years Rs. 20,000
      ICICI 23 to 58 years 2 to 5 years Rs.17,500
      Axis 21 to 60 years NA** Rs.15,000
      Kotak Mahindra 22 to 55 years 1 year Rs.25,000
      Tata Capital 21 to 58 years 1 year Rs.15,000
      IndusInd 21 to 60 years 2 to 5 years Rs.25,000
      Ujjivan Small Finance 22 to 58 years NA**
      Above the minimum wage limit
      India Infoline Finance Limited 25 to 60 years 6 months to 2 years Rs.35,000
      HDBFS 21 to 65 years 1 year to 3 years
      Rs.15,000 for salaried
      Rs.1 lakh p.a. for self-employed
      Indian Overseas Bank Up to 58 years NA* Rs.5,000
      IDFC First Bank 23 to 68 years 3 years NA*
      Federal Bank 21 - 55 Years 3 years Rs.25,000
      Punjab National Bank 21 – 58 years 2 years for doctors Rs.15,000
      Andhra Bank 21 - 55 years NA** NA*
      Canara Bank NA** NA**
      Salaried: Rs.6,000 & above
      Self-employed - Rs. 1.5 lakh
      IDBI Bank Up to 75 years for Pensioners NA** Rs.1.5 lakh p.a.
      Fullerton India 21 to 55 years 1 to 2 years Rs.15,000
      RBL Bank 25 to 60 years 1 to 3 years Rs.25,000
      Bank of Baroda 21 to 60 years 1 year to 2 years
      60% of gross monthly income
      Deutsche Bank 25 to 60 years NA** Rs.25,000
      Karnataka Bank NA** 3 years NA*
      United Bank of India up to 75 Years 2 years NA*
      UCO Bank 21 to 65 years 1 year to 5 years Rs.20,000

       

      *Personal loan disbursal is solely at the bank’s discretion and as per the bank’s terms and conditions

      Learn More about Personal Loan: Click Here

      personal loan at 10.75%*

      Salaried Applicants

      1. The minimum age of the applicant should be 21 years and a maximum of up to 60 years.
      2. If the borrower should have a salary of a minimum of Rs.18,000 per month
      3. The borrower must have the last three years’ work experience, and the salary should come in their account only.
      4. The person must have a good CIBIL score, i.e., at least 700+.
      5. Personal Loan Patna’s documentation process 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.
      5. And the applicant is a businessman than his business should be running for the last three years.
      6. The age of the applicant should be 25 years.

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

      personal loan at 10.75%*

      Why Apply for a 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 is needed for Personal Loan Patna.
      5. A Personal Loan does not require any guarantor or nominee.

      How to apply for a 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 straightforward & 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 known as EMI, are the monthly charges you pay to the bank as monthly repayment for the loan amount borrowed. Based on your profile, income, loan amount, and tenure, your loan’s interest rate is determined. Your EMI is calculated on the basis of the personal loan Interest Rate the bank charges you, which must 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 in 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 leading agent for availing Personal Loan in Patna. You can apply online at www.dialabank.com or dial 9878981166.

      Dialabank helps you to find the best choice of Banks and NBFCs by offering you a detailed market comparison of different banks so that you can make the right option. Visit our website www.dialabank.com and fill a form by filling in your details. Our relationship managers will call you and assist you.

      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 Ganges’ southern bank 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.

      FAQs on Personal Loan Patna

      What is a personal loan?

      A personal loan is a type of unsecured loan that a person can avail of based upon their monthly income and CIBIL score. The loan amount available can be used for any personal purpose and need.

      How to get a personal loan in Patna?

      To get a personal loan, you either walk into the nearest bank branch with basic documents like Aadhar Card, PAN Card, Salary Slip/Bank Statement, and ITR file of the last three years.
      You can also fill out an inquiry form and apply online at Dialabank’s digital platform for better convenience and personalised assistance.

      What is the interest rate for a personal loan in Patna?

      The interest rates for personal loans varies on the basis of some market factors like monthly income, CIBIL Score, loan amount, and loan tenure.

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