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
Doorstep Service
Unbiased Experts Advice

Best Banks for Personal Loan in 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 in 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 in Phalodi 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 Phalodi 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(coloured)
  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 in 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

For facilitating the further processing of your application form, the processing fee is a must which is charged by the banks to the applicants. These vary from bank to bank and is a minimal 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 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.

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

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 in 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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