Personal Loan Phaltan

⋆ Interest Rate 9.99% ⋆

Check Special Offers During COVID-19

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.

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 Phaltan

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 Phaltan Features

Personal loan PhaltanWhat shall one do when they are in need of urgent financial help? A medical emergency or maybe an upcoming wedding or a need for a lump sum amount of money. Don’t worry, apply for a personal loan to meet and tackle all your financial needs.

The loan offered to people without the need of any collateral is termed as a Personal loan. This loan helps a person to meet his personal financial requirement without having to include any type of property. It can be used for paying wedding expenses, higher study, home renovations, debt consolidations, and for numerous more things. Anyone can have a personal loan as it is easy to take and more manageable to repay. In addition to this to avail, this loan you don’t need to have any collateral as this loaning scheme is only dependent on your income.

Personal Loan in Phaltan 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 Phaltan Documents Required 

The documents required for availing of a personal loan in Phaltan are as follows:

Salaried Customers:

  1. PAN Card is necessary
  2. Salary slips are required to be submitted for the last three months
  3. Bank statements owing to the last 6 months
  4. Residence Proof whether owned or rented
  5. In the case of rented apartments, a rent agreement needs to be submitted.
  6. Passport-sized colored photographs – 2
  7. Identity proof in form of Adhar card or driving license

Self-Employed Customers:

  1. Mandatory PAN Card submission
  2. Mandatory Aadhar Card
  3. Financial records of the company-owned
  4. Residence Proof
  5. Two passport-sized coloured photographs

personal loan at 10.75%*

Personal Loan in Phaltan Eligibility Criteria 

The Personal loan eligibility criteria vary accordingly:

Salaried Applicants

  1.  The minimum salary per month should be Rs 18k.
  2. The applicant should be of 21-60 years of age.
  3. A gross total of 3 years of work experience required.
  4. A good CIBIL score is required. Preferably above 750.
  5. Salary should be accredited on the applicant’s bank account.

Self-Employed Applicants

  1. Should be between the age group of 25 to 65 years.
  2. An ITR of 2.5-3 lakh is mandatory.
  3. Should own his home or office.
  4. The business should be operating regularly for the last 3 years.
  5. CIBIL Score preferably more than 750.

Why Apply for Personal Loan Phaltan?

  1. The cash availed through this loan can be used for a variety of personal usage.
  2. The loan amount is not bound to a specific user.
  3. It is available at a very affordable interest rate in the market.
  4. It is a simple Loan scheme as there is no process to check the collateral security.

How to apply for Personal Loan Phaltan?

Anybody can apply for Personal Loan Phaltan online and get an instant personal loan only in a few minutes. The process of application is through DialaBank is very easy.

  1. Just visit our website dialabank.
  2. After that, apply for a Personal Loan online by filling in all the necessary information about yourself.
  3. Enter your valid, operating contact number so that we can contact you back.

Processing Fee / Prepayment Charges on Personal Loan Phaltan

Every Bank and NBFC charges two kinds of fees from its customers in regards to a personal loan.

  1. The first is a mandatory fee for processing your Personal Loan application i.e. Processing Fee. These charges alter anywhere between 1%  of the sanctioned loan amount. These are charged on all personal loans amounts irrespective of the tenure and amount.
  2. The second being Pre-closure charges is charged in-case you want to close your loan before your fixed stipulated tenure. In most cases, the time period of the loan lasts 12 months. The charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan after those fixed 12 months. These are only charged by the institutions if you do not wish to continue with the fixed tenure period.

Personal Loan Phaltan EMI Calculator

The  Personal loan EMI Calculator can be used to know your EMI value on your loan amount while availing of a personal loan in Phaltan.

Equated Monthly Installments are also referred to as EMI is the monthly charges that an applicant has to pay to the bank or NBFC as monthly repayment for the loan amount borrowed.  It is calculated based on your profile, income, loan amount, and tenure the interest rate for which you have received the loan. Your EMI is calculated on the basis of the Interest Rate you are charged by the bank or NBFC which is required to be paid by a specific date of every month.

CIBIL Score required for Personal Loan Phaltan

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

  1. Most institutions demand a minimum score of 750 to process your personal loan application.
  2. Some might look into other factors like your income and job stability to process the loan.
  3. The institutions don’t just look at the overall CIBIL score but also the detailed behavior of your payment on the previous loans taken.
  4. Any delay in payments for previous loans can act as a barrier to your availing a fresh personal loan.

personal loan at 10.75%*

Personal Loan Phaltan Agents

Dialabank compares various banks and NBFCs for you so that you can avail of the best offers available according to your need. DialaBank is your best agent available for a personal loan in Phaltan. Our relationship manager will ensure you get the best personal loan from the options available at the lowest possible interest rate with hassle-free documentation. The reason behind choosing DialaBank as your agent for availing of personal loan in Phaltan is:

  1. DialaBank is India’s first-ever financial helpline.
  2. We do not charge you for our services rendered.
  3. The loan gets disbursed within 24 hours of applying online with us.
  4. Our relationship manager guides and assists you through the entire process by giving the best advice for your loan approval.

By comparing all the deals available with various banks we will help you in choosing the right bank/NBFC for you.

Personal Loan Phaltan Contact Number

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

Pre Calculated EMI Table for Personal Loan Phaltan

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 Phaltan

Phaltan is a town, a taluka, and a municipal council located in the Satara district in the Indian state of Maharashtra. Sri Ram Temple in Phaltan is the most important temple of the city with thousands of devotees visiting the temple every year. Shri Ram is worshipped as the Gram Daivat of the city.