Personal Loan Ratlam

⋆ Interest Rate 9.99% ⋆

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      Table of Contents

      Personal Loan Ratlam

      Major Personal Loan Providers in Ratlam

      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 Ratlam Features

      Personal Loan Ratlam

      Are you looking for a loan for personal needs? Then availing a Personal Loan is the best deal for you. It is a financing option that can be used for almost any purpose like travelling, a wedding in the family, paying tuition fees, and many more.

      Features of Personal Loan Ratlam:

      1. Collateral free Personal Loan
      2. Personal Loan is Easily available
      3. Low processing charges
      4. Less documentation
      5. Quick and risk-free
      6. No cosigner required

      Personal Loan Ratlam 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 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 Ratlam

      Salaried Customers:

      1. Identity Card
      2. Salary slips of last 3 months
      3. Bank statements for the last six months
      4. PAN Card details
      5. Residence Proof of the applicant.
      6. Photo of the applicant.

      *NOTE: In case of rented apartments, rent agreement needs to be attached.

      Self-Employed Customers:

      1. Financial Documents including Balance Sheet and ITR
      2. PAN Card details of the applicant
      3. Aadhar Card details of the applicant.
      4. Residence Proof details of the applicant.
      5. 2 Photographs of the applicant.

      personal loan at 10.75%*

      Eligibility Criteria for Personal Loan Ratlam

      The Personal Loan Eligibility criteria for both Salaried and Self-Employed are different:

      Salaried Applicants

      1. Individuals should be between 21 years and 60 years of age.
      2. At least 3 years of work experience is required.
      3. The applicant must not be a defaulter.

      Click here to know more about- Personal Loan Salaried Applicant

      Self-Employed Applicants

      1. Individuals should be between 21 years and 60 years of age.
      2. The applicant must not be a defaulter.
      3. The applicants must be filing ITR every year.
      4. The business of the applicant must be running for at least 3 Years.
      5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
      6. All the required documents should be submitted on time.

      Click here to know more –Personal loan Self-employed Applicant

      Why Apply for Personal Loan Ratlam?

      1. Collateral free Personal Loan
      2. Personal Loan  is Easily available
      3. Low processing charges
      4. Less documentation
      5. Quick and risk-free
      6. No cosigner required

      How to apply for Personal Loan Ratlam?

      To apply for Personal Loan, Please visit Instant Personal Loan at DialaBank.

      1. Visit www.dialabank.com.
      2. Go to the loan section and click on the personal loan link.
      3. The applicant will be directed to all details of the personal loan where they can choose their preferred city.
      4. For more information and free guidance, you may call on 9878981166.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Ratlam

      There are different Processing Fees associated with Personal Loan. Some of them are mentioned below:

      • Loan Processing Charges: Up to 1% of the loan amount + GST.
      • Prepayment Charges: 5% on principal outstanding + GST.
      • Additional Charges on Late Payment: 24% per annum.
      • Loan Cancellation Charges: ₹ 3000/- + GST.

      Personal Loan Ratlam EMI Calculator

      Personal Loans are paid in small installments and these installments are called EMI (Equated Monthly Installments).EMI is based on different factors such as Interest Rate, Amount availed, and Tenure of the Loan. EMI varies from Bank to Bank.

      Calculate your EMI at: Personal Loan EMI Calculator

      CIBIL Score required for Personal Loan Ratlam

      Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Ratlam. Most institutions require a minimum score of 750 to process your loan application.

      personal loan at 10.75%*

      Personal Loan Ratlam Agents

      Dialabank is the leading agent for availing Personal Loan Ratlam. You can apply online at www.dialabank.com or give a call at 9878981166

      Personal Loan Ratlam Contact Number

      Call 9878981166 and get instant help and approval for Personal Loan Ratlam.

      Pre Calculated EMI Table for Personal Loan Ratlam

      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 Ratlam

      Ratlam is a city in the region of Malwa in the Indian state of Madhya Pradesh. It was previously known as Ratnapura. It is popular for Gold, Ratlami Sev, Ratlami Saari, and its people. It serves as the administrative headquarters of Ratlam district.

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