Personal Loan Phagwara

⋆ 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

      Personal Loan Phagwara

      Major Personal Loan Providers in Phagwara

      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 Phagwara FeaturesPersonal Loan Phagwara

      Do you need some financial assistance to pay off your old debts? Looking for lumpsum money for a dream project?

      Apply for a personal loan and fulfil your money requirements. A personal loan is a type of unsecured loan that a person can avail of based upon their income and credit score without the need for depositing collateral security. It gets disbursed within 48 hours by applying with Dialabank and the loan amount sanctioned is transferred to the account of the applicant without any difficulties.

      Personal Loan Phagwara 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 for Personal Loan Phagwara

      Salaried Customers:

      1. The documents required for the residence proof include Passport / ID card / Voter card / Aadhaar card / Ration card / Driving license. If the applicants are living in rental apartments, then they have to submit their Rent Agreement, Electricity bill on the name and address of the owner.
      2. Two coloured passport size photos of Applicants in which they should not be wearing any glasses.
      3. Proof of Identity needs to be submitted, which includes Passport copy/ Driving License/ Voter ID, etc.
      4. Salaried applicants have to submit their salary slips for the last three months and bank statements for the last six months.
      5. Under KYC formality, every applicant has to submit their pan card, which is an essential document.

      *NOTE: In case of rented apartments, rent agreement needs to be attached.

      Self-Employed Customers:

      1. The documents required for the residence proof include Passport / ID card / Voter card / Aadhaar card / Ration card / Driving license. If the applicants are living in rental apartments, then they have to submit their Rent Agreement, Electricity bill on the name and address of the owner.
      2. Two coloured passport size photos of Applicants in which they should not be wearing any glasses.
      3. Proof of Identity needs to be submitted, which includes Passport copy/ Driving License/ Voter ID, etc.
      4. Self-employed applicants who are looking to get a personal loan should file ITR for the last three years, and their business should be registered.
      5. Under KYC formality, every applicant has to submit their pan card, which is an essential document.

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Eligibility Criteria for Personal Loan Phagwara

      The eligibility criteria for both Salaried and Self-Employed are as follows:

      Salaried Applicants

      1. The borrower should be at least 21 years of age and can be of maximum 60 years of age
      2. The borrower needs to have a good credit history along with a CIBIL score above 700
      3. Job location should be mentioned in the form
      4. The individual applying for the loan must have work experience of a minimum of 3 years, and their salary should be incoming to their personal account.

      Self-Employed Applicants

      1. A self-employed person applying for the personal loan must be above 25 years of age
      2. The applicant shall submit all financial and banks statements of the past three years
      3. The business of a businessman should be functional for at least the past three years.
      4. A good CIBIL score without any history of bad credit is essential
      5. The applicants applying for the personal loan should file ITR for the last three years.
      6. The annual income of the applicants should be a minimum of Rs 2.5 lakh.

      Click to know more about Eligibility: Personal Loan Eligibility

      Why Apply for Personal Loan Phagwara?

      1. Fast disbursal of loan.
      2. No security or collateral to be deposited to the bank
      3. The amount of a personal loan depends upon the repayment of individual income and capacity.
      4. A guarantor or nominee is not required for a personal loan
      5. Can use the amount of loan sanctioned as per requirement without any limitations

      How to apply for Personal Loan Phagwara?

      1. Visit Dialabank
      2. Go to the loan section and click on the personal loan link.
      3. Provide all your personal as well as professional details as per requirement
      4. As soon as you are completed with the formalities, our executives will get in touch with you
      5. To know more, you may call on 9878981166.

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Processing Fee / Prepayment Charges on Personal Loan Phagwara

      Every institution offers a personal loan charge a certain amount known as a processing fee, which is required for the further processing of the personal loan application form. The Personal Loan Phagwara processing fee is 1% of the total loan amount.

      If an individual who has applied for a personal loan wishes to foreclose his loan before the 12 months or the agreed tenure of the loan, then they shall pay a penalty which is known as a prepayment charge to the lender.

      Personal Loan Phagwara EMI Calculator

      Equated Monthly Installments also know as EMI are basically fixed charges that a borrower needs to pay the bank in regular intervals as a mode of repayment for the amount of loan borrowed. The calculation of EMI depends on the loan tenure, interest rate charged by the bank and amount of loan taken.

      Get to know more about EMI Calculator: Personal Loan EMI Calculator

      CIBIL Score required for Personal Loan Phagwara

      Every institution offering personal loan have their own lower limit of CIBIL score for loan approval. On a general basis, it is around 700.

      Along with the CIBIL score, the lenders look upon and analyze the history of credit as well as the behaviour of payment by the individual too.

      PERSONAL LOAN

      Interest Rate 9.99%

      +91

      Personal Loan Phagwara Agents

      Dialabank is the leading agent for availing Instant Personal Loan in Phagwara. You can apply online at Dialabank or call on 9878981166

      Personal Loan Phagwara Contact Number

      Call 9878981166 and get instant help and approval for Personal Loan Phagwara. Thereafter, our relationship managers will assist you.

      Pre Calculated EMI Table for Personal Loan Phagwara

      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 Phagwara

      Phagwara is a town and Municipal Corporation with an area of 20 km² in the Kapurthala district of Punjab State, India. The town lay on the NH-44 and is located 124 km away from Chandigarh361Km from Delhi. Phagwara is an industrial area and famous for cotton, starch, sugar, and auto parts production in Punjab.

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