Personal Loan Phillaur

⋆ 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

      Major Personal Loan Providers in Phillaur

      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 Phillaur Featurespersonal loan phillaur

      Nowadays, it is tough to cope up with the trend because of the unavailability of funds in such a situation go for Personal Loan. It is provided by the Banks and NBFCs at a moderate interest rate starting at 10.75% per annum and can be used for various purposes such as returning off those costly bills, restoring your residence, buying a vehicle.

      To apply for a personal loan, Phillaur click on Personal Loan

      Personal Loan Phillaur 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
      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

      Documents for Personal Loan Phillaur

      Salaried Customers:

      1. Identity proof (Aadhar card/driving license)
      2. Statements for the salary of the past three months.
      3. Bank statements for the last 6 months
      4. PAN
      5. Proof for Residence (Own/Rent/Company provided)
      6. Passport-size photograph – 2

      Self-Employed Customers:

      1. All financial statements are required (Balance Sheet, P&L Statement as well as ITR files)
      2. PAN Card
      3. Aadhar
      4. Residence Proof
      5. Passport-sized photographs- 2
      personal loan at 10.75%*

      Eligibility Criteria for Personal Loan Phillaur

      Click here to know about personal loan eligibility

      Salaried Applicants

      1. The age limit is 21 years to 60 years.
      2. The candidate must have work experience of three years and pay should be transferred in their reports.
      3. The claimant should have an excellent credit record.
      4. The job position of the applicant should be stated.
      5. The borrower must have the least salary of Rs 25,000 p.m.

      Click here to know about a personal loan- Salaried Applicant

      Self-Employed Applicants

      1. The age limit is at least 25 years.
      2. The candidate should have been arranging for ITR for the past three years, whereas a businessman should have running the business from the last 3 years.
      3. The credit record of the candidate should be sound and there must not be any liability or any dues pending.
      4. The yearly income of the candidate should be no shorter than Rs 2.5 lakh.
      5. The document attestation process for the personal loan consent demands the applicants to present their financial statements and their bank records of the past three months.

      Click here to know about the personal loan– Self-employed Applicant

      Why Apply for Personal Loan Phillaur?

      1. There is no obligation of installing any mortgage or security to the bank.
      2. A personal loan is a kind of multidimensional advance, so it can be placed to use for any concerns.
      3. The value of this loan is completely based on the repayment potential of the candidate.
      4. The loan does not demand any nominee or sponsor.

      How to apply for Personal Loan Phillaur?

      1. Visit this website: www.dialabank.com.
      2. From loan segment, proceed to the personal loan section. It will show the exact report of the personal loan where you can choose your place.

      For more information, please call 9878981166.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Phillaur

      All lending authorities charge a specific fee to process a Personal Loan application. This cost deviates between 1.5% to 2.5% of the confirmed loan amount.

      Meanwhile, if you require to settle your loan before the accepted loan tenure, you will be asked to a prepayment expense as a penalty. You have no permission to close your continuance before the course of a year. After that, these charges vary subject to the number of years the loan has ended. This cost shifts from 4% of the residue of the borrowed sum in the following year to 2% in the fourth year.

      To know about the interest rate, click personal loan interest rate

      Personal Loan Phillaur EMI Calculator

      Equated Monthly Installments or EMI refers to a monthly fixed rate to be paid to the bank as a repayment for the loan amount which is obtained. After carefully analysing your profile, the rate of interest is set on your loan. The EMI on your loan is estimated on the Rate and the loan amount along with tenure it has been received.

      CIBIL Score required for Personal Loan Phillaur

      Personal Loan application in Phillaur witnesses all the lending institutions to have their own criteria for a minimal CIBIL score needed to process it further. Most of them have a set score of at least 750 to further process your application.

      They also take a view of the previous loan patterns, the amount and tenures for which loan was borrowed. If there is any delay in the payments of the previous loans may cause a setback the approval of the fresh loan.

      personal loan at 10.75%*

      Personal Loan Phillaur Agents

      Dialabank is one of the best brokers to avail Personal Loan Phillaur. You can apply online at www.dialabank.com or call 9878981166

      Dialabank assists you to look for the best option of Banks and NBFCs by giving you access to an in-detail market comparative analysis of various banks to help you pick the right one. Visit our website www.dialabank.com and fill out a simple form with the details of personal and employment data. Our customer relationship managers will be in touch with you shortly.

      Personal Loan Phillaur Contact Number

      Contact 9878981166 and get assistance for Personal Loan Phillaur.

      Pre Calculated EMI Table for Personal Loan Phillaur

      Click for personal loan EMI calculator

      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 Phillaur

      Phillaur is a historical town located in the Punjab state of India.

      FAQs About Personal Loan Phillaur

      Who can apply for a Personal Loan Phillaur?

      People who have an urgent need for cash and have a regular source of income can apply for a Personal Loan Phillaur.

      What is the tenure of Personal Loan Phillaur?

      Many of the Banks and NBFCs implement a Personal Loan for the lowest limit of one year and the highest term of 5 years. There are some Banks which reach the maximum period to seven years. The security is established and cannot be increased. The repayment has to be made in equal monthly instalments within the granted term of the loan.

      Are there any other charges involved in Personal Loan Phillaur?

      Yes, there are 2 classifications of charge that one is asked to compensate to avail a personal loan Phillaur:

      • Pre-closure Charges: If you want to close a running loan before its decided tenure period, the Banks and NBFCs charge an extra amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges vary depending on how many years has your loan completed before you decide to pre-close it.
      • Processing Fee: For every bank or lending institution that you borrow from, there is a minute charge that they impose on the client, which is known as Processing Fee. The expense of processing fee diversifies for the various lending institution and is ordinarily between 1% and 2.5% of the amount.

      Can my application for Personal Loan Phillaur get discarded due to my CIBIL score?

      Personal Loan Phillaur, being an unsecured credit, one of the most vital decision principles for processing your Personal Loan application is your CIBIL Score. Generating a High CIBIL score becomes extremely important if you hope to avail of a Personal Loan. Most of the Personal Loan denials happen because of a weak CIBIL Score. So, make sure you do not block any of your loan EMI returns or any credit card debts as it will end up in reducing your CIBIL score.

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      Personal Loan Interest Rates: Updated 2020

      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

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