Personal Loan Ratia

⋆ Interest Rate 9.99% ⋆

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        Rates as low as 9.99%*
        Loans Up to 30 Lacs
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        Personal Loan Ratia

        Best Banks for Personal Loan Ratia

        Feature HDFC Bank Private Bank Bajaj Finance
        Interest Rate 10.75% - 17% 11.25% - 18.5% 0.12
        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 RatiaPersonal Loan Ratia

        Want your child to study abroad? But lack of money is prohibiting you to send your child? Don’t compromise with your child’s future. Dialabank provides assistance for accomplishing your aspirations!

        A personal loan will overwhelm all the financial obstacles that come between you and your dreams. This loan will be approved within 48 hours of certified authentication and very little paperwork is required for this loan. After all, you don’t need to submit any collateral security!

        It is an unsecured loan with feasible low-interest rates. Your creditworthiness should be good and you should have a good source of income.

        There are no restraints on the purpose of using this loan. You can use it anywhere you want.

        Click here to get an Instant Personal Loan

        Personal Loan Ratia 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
        Private 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

        Documents for Personal Loan Ratia

        Salaried Customers:

        1. Submit your identity proof. It can be anyone of Aadhar card or driving license.
        2. Submit the salary slips for the past three months.
        3. Submit the Bank statements for the last 6 months
        4. Submit a copy of your PAN Card.
        5. Submit your residence proof (Owned/Rented/Company provided)
        6. Submit your two recent passport-sized photographs.

        *NOTE: If you live in a rented apartment, then rent agreement needs to be attached.

        Self-Employed Customers:

        1. All financial statements such as Balance sheet, P&L statement, ITR files, etc of your business have to be submitted.
        2. You should also submit a copy of your PAN Card.
        3. Aadhar Card is required for identity proof.
        4. Residence Proof (owned/rented) is also compulsory to be submitted.
        5. You have to submit two of your recent passport-sized photographs.

         

        Eligibility Criteria for Personal Loan Ratia

        Salaried Applicants

        1. The minimum age requirements of an individual should be 21 years and a maximum of up to 60 years in order to apply for a personal loan.
        2. The applicant should have a minimum of 3 years of experience and you should be receiving a salary in your own account.
        3. The credit history of the applicant should be perfect.
        4. You need to specify your job location.
        5. You should be earning a minimum of Rs. 25000 per month.

        Self-Employed Applicants

        1. The minimum age requirement of an individual should be 25 years in order to apply for a loan.
        2. You should file your ITR for the last 3 years if you applying for a personal loan.
        3. If you are operating a business, then your business should be working actively for the past 3 years.
        4. Your credit score should be worthy enough to give you credit.
        5. Your earning should be a minimum of an annual income of Rs.2.5 lakhs.
        6. The applicant is required to attach his financial and bank statement for the past 3 months.

        Click here if you want further knowledge about the Personal Loan for Self-Employed Applicant.

        Why Apply for Personal Loan Ratia?

        1. No need to mortgage your property for acquiring the loan.
        2. A personal loan can be utilized for many purposes. You can use this amount wherever you want.
        3. The amount to be sanctioned will depend on your CIBIL score.
        4. In Personal Loan, you need not assign anybody as a nominee or guarantee.

        How to apply for a Personal Loan Ratia?

        1. Visit our website by clicking on the link Dialabank.
        2. There is a loan section, go there and click on the personal loan.
        3. The applicant will be directed to all details of the personal loan where you can choose your preferred city.
        4. For more information and free assistance, you can get in touch with us by calling on  9878981166.

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Processing Fee / Prepayment Charges on Personal Loan Ratia

        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.

        If you are precluding a part of your loan amount before the completion of your tenure, then you have to pay a penalty for prepayment. You cannot close your loan before 12 months in most situations. The prepayment penalty charges depend on the number of years for which loan has been used.

        To gain more information about the interest rate click on the Personal Loan interest rate

        Personal Loan Ratia EMI Calculator

         You are liable to pay fixed installments per month to the bank as a procedure of repayment of the loan amount. these fixed payments are known as EMI or Equated Monthly Installments. The interest rate is determined after ascertaining your financial status. Your EMI will be calculated after taking the interest rate and the tenure of the loan into consideration.

        CIBIL Score required for Personal Loan Ratia

        Banks and NBFCs have their own norms for the CIBIL score for lending purposes. Mostly, a CIBIL Score of 750 is preferred by most of the lending institutions.

         Banks and NBFCs want to ascertain how you acknowledged to previous loans through your CIBIL score. They want to ensure that there are no delayed payments until now.

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Personal Loan Ratia Agents

        Dialabank is the prominent assistant for taking Personal Loan in Ratia. You can apply online at Dialabank or give a call at 9878981166.

        Dialabank helps you in finding the perfect Bank or NBFCs by showing you comparative analysis between banks. Visit our website www.dialabank.com and fill a simple form with all necessary details such as personal and employment details. Our customer relationship managers will soon get in touch with you.

        Personal Loan Ratia Contact Number

        Call 9878981166 and to get immediate help and advocacy for Personal Loan in Ratia

        Pre Calculated EMI Table for Personal Loan Ratia

        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

        Click here for Personal Loan EMI Calculator

        About Ratia

        Ratia is a city in Fatehpur district of Haryana. It is situated on the banks of river Ghaggar. The city has a population of around 38,000 people.

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