Personal Loan Phalodi

⋆ Interest Rate 9.99% ⋆

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      Why us?

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

      Personal Loan Phalodi

      Best Banks for Personal Loan Phalodi

      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 Phalodi Features

      Personal Loan Phalodi

      Are you planning a foreign vacation with your family but don’t want to spend your saving? Is your business in urgent need of a new machine but you have drained all your financial resources already? Are you looking for a loan to avail but don’t have the collateral? Don’t worry we are here to help you get rid of all the financial worries. With Personal Loan Phalodi, you can easily full-fill all your personal or business needs in a short period. This loaning scheme is said to be one of the most versatile loaning schemes of all time.

      Personal Loan Phalodi Interest Rates and Charges

      Personal Loan Interest Rate

      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

      Personal Loan Phalodi Documents Required

      Personal Loan Documents Required

      Salaried Customers:

      1. Residential Proof: Aadhar card, PAN card, passport, Ration card, voter ID card, or driving license. If you are staying on rent, you can use rental agreement or water/electricity bills for the past three months as residential proof.
      2. Two recent passport size photographs(colored)
      3. Bank requires one of the following documents as an identity proof of the applicant Aadhar card, PAN card, Driving license, voter ID card or passport.
      4. Income proof for the salaried applicant: Applicant needs to provide the last six months of bank statements along with six months of salary slips.

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

      Self-Employed Customers:

      1. Residential Proof: Aadhar card, PAN card, passport, Ration card, voter ID card, or driving license. If you are staying on rent, you can use rental agreement or water/electricity bills for the past three months as residential proof.
      2. Two recent passport size photographs
      3. Bank requires one of the following documents as an identity proof of the applicant Aadhar card, PAN card, Driving license, voter ID card, or passport.
      4. Income Proof for self-employed: latest ITR documents and audited financial papers of business.

      personal loan at 10.75%*

      Personal Loan Phalodi Eligibility Criteria

      The eligibility criteria for both Salaried and Self-Employed vary in the following ways:

      Salaried Applicants

      1. Firstly, the age of the applicant needs to be above 21, and the maximum age to avail this loan is 61.
      2. For availing a personal loan, a salaried applicant’s CIBIL needs to be at least 750.
      3. You need to have an account in a bank, and your salary should come to that bank account.

      Self-Employed Applicants

      1. For a personal loan applicant, the bank requires a CIBIL score to be a minimum of 750.
      2. Also, the age requirement to avail this loan is 25 to 65 years.
      3. In addition to this, the business of the applicant needs to be in service for at least three years.
      4. Similarly, the annual turnover of the business needs to be 30 Lacs

      Click here to know more about eligibility: Personal Loan Eligibility

      Why Apply for Personal Loan Phalodi?

      1. As it is an unsecured loan, no mortgage or collateral needs to be deposited.
      2. This loan is eligible for both salaried and self-employed individuals.
      3. Anyone can use the principal amount according to their needs.
      4. A Personal Loan does not require any third-party.

      How to apply for Personal Loan Phalodi?

      1. Visit www.dialabank.com. and know more about personal loan
      2. Select the personal loan option to fill in all your necessary details
      3. The applicant needs to provide all the required documents as well
      4. Our relationship managers will then contact you and provide suitable offers
      5. For more information call us on 9878981166.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Phalodi

      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

      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. After that, the charges differ on the basis of 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 Phalodi EMI Calculator

      Equated Monthly Installments also know as EMI are the monthly fixed charges that an individual needs to pay in order to repay the borrowed loan amount. The  EMI Calculator for Personal Loan   is dependent and is calculated using several factors such as Interest rate, amount of loan sanctioned by the bank, and the tenure for which loan has been granted.

      CIBIL Score required for Personal Loan Phalodi

      CIBIL score is an essential parameter for loan approval. Different establishments have different CIBIL Score requirements. Most lending establishments require a minimum score of 750 to approve your loan application.

      The banks don’t just gander at the overall score but also the detailed behavior on the loan history including 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 Phalodi Agent and Contact Number

      Dialabank is the leading agent for availing Personal Loan in Phalodi. You can apply online at www.dialabank.com or give a call at 9878981166

      Call 9878981166 and get Instant Personal Loan in Phalodi.

      Pre Calculated EMI Table for Personal Loan Phalodi

      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 Phalodi

      Phalodi is a city of Jodhpur District in Rajasthan. The town is famous for packing a large number of salt industries in Rin making its name “salt city.” Phalodi resides in the buffer zone of Thar desert making it a place of extreme temperature.

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