About Personal Loan Rajgangpur
Personal loan is an unsecured loan which the bank give to its customers. Different bank have different interest rate on these loans. These loans are selected by the customers as they do not need to keep any mortgage with the bank in order to avail the loan.
Documentations for Personal Loan Rajgangpur
Different documents are required for availing Personal Loan Rajgangpur from a bank. The documents required for a salaried person and a self- employed person are various. So these documents can be seen as follows:
Documents required for Salaried Individuals:
- For the Identity Proof, the applicant needs an Aadhar card/ Voter Id Card/ Passport /Driving License.
- Then next is the Address Proof, For it, the documents required are Ration Card/ Passport/ Rental agreement/ Electricity, Bill.
- Moreover, the next document is Latest Form 16
- Lastly, Salary Slip of the last three months or Bank passbook of the previous six months.
Documents required for self- employed individuals:
- Address Proof: Passport / Driving License/ Aadhaar card / Voter Id- Card
- Proof of Continuation
- Recent Balance Sheet along with Profit & Loss A/C (CA certified/ Audited) for the last two years/ Latest ITR along with computation of Income
- Pan Card: For individual/ company/ firm
- Identity- Proof: Passport/ Aadhar Card/ Voter’s Id card/ Pan Card/ Driving License
- Latest six months Bank Statement.
Eligibility for Personal Loan Rajgangpur
Anyone can avail Personal Loan Rajagangapur who fulfills the following needs:
For Salaried applicant, the criteria is:
1. Firstly, the applicant’s age should be minimum 21 years maximum up to 60 years.
2. Another thing is that the applicant should have the work experience of the last three years.
3. If the applicant is residing in a metropolitan city, then they should have a minimum income of Rs 18,000. And if the applicant is from non-metropolitan city then they should have the minimum Income of Rs 15,000.
4. In addition to this, the applicant have to submit the bank statement of the last three months and the salary slip of the last six months
5. Lastly, the applicant must have a good credit history.
Click here to know more about- Salaried Applicant
For the self- employed customers:
1. The self employed applicant should have a minimum age of 25 years and a maximum of 65 years.
2. In addition to this, the CIBIL of the applicant should be very good, and no debt should be left due, and there should be no bouncing of the payments.
3. Next thing is that the applicant should have filed the ITR for the last three years.
4. An ITR of Rs. 2.5 lakhs per annum should be filed by the applicant.
Click here to know more – Self-employed Applicant
Features of Personal Loan Rajgangpur
Many persons are taking these loans nowadays, and these loans are very beneficial for banks, so to attract the customers, the bank tries to attract most customers by providing low-interest rates.
- The securities for Personal Loan Rajgangpur are not required; the customer need not worry about any of his ornaments and other assets.
- Personal Loan Rajgangpur is processed in no time after the verification of the documents.
- Some banks provide these loans within the time period of 24 hours.
- The documents needed by the banks to avail Personal Loan Rajagangapur are basic documents which are already possessed by the applicant.
- The time period of these loans can be extended to 5 years.
- The applicant can choose according to him, the time period for which he wants to take the Loan
- The customer can use the amount in the way he likes.
Interest Rates and other charges for Personal Loan Rajgangpur
Different bank charges different rate of interest from the customer. More is the amount of loan, less will be the rate of interest charged by the bank.
The basic interest rate charged by the bank starts from 11.49% to 19.5%.
The processing fees charged by the banks also varies from 2% to 5% per annum.
The customer can claim the amount for 1 year to 5 years.
More About: Interest Rates on Personal Loan
Rajgangpur is a town situated in the Sundargarh district of Odisha. For more information you can visit www.dialabank.com.
How to apply through Dialabank?
- Visit www.dialabank.com
- After that, apply for a Personal Loan online.
- Enter your contact number so that we can contact you back.
- Dialabank is the best platform to apply for a personal loan as you will get a loan at affordable rates of interest.
Personal Loan Interest Rates: Updated 2020
10.99% to 18%
13.99% to 18%
17.25% to 32%
13.99% to 16.75%
15.50% to 24%
15.75% to 22%
13.75% to 19%
13.50% to 22%
13.50% to 19%
13.75% to 22%
14.50% to 20%
13.70% to 20%
Table of Contents
- 1 About Personal Loan Rajgangpur
- 1.1 Documentations for Personal Loan Rajgangpur
- 1.2 Eligibility for Personal Loan Rajgangpur
- 1.3 Features of Personal Loan Rajgangpur
- 1.4 About Rajagangapur
- 1.5 How to apply through Dialabank?
- 1.6 Personal Loan Interest Rates: Updated 2020