Major Personal Loan Providers in Ratnagiri
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
Preclosure Charges
2%, Nil foreclosure charges after 12 months
2%, Nil foreclosure charges after 24 months
Nil
Overdraft Facility
No
No
Yes
Personal Loan Ratnagiri Features
If you are looking for a personal loan then here you will find all the required details. A personal loan can be used for many personal reasons. There are no restrictions on the use of the loan amount. The loan can get approved within 48 hours.
The process of loan application is very simple and quick. In order to get a personal loan, the applicant must have a good source of income and good credit history.
Personal Loan Ratnagiri is the loan category that is the financial help to those individuals who need funds for their personal use.
Personal Loan Ratnagiri Interest Rates
To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates
Bank
Processing Fee
HDFC Bank Personal Loan
0.25% to 1.50%
Axis Bank Personal Loan
0.50% to 1.50%
Nil
Private Bank Personal Loan
0.25% to 1.50%
SBI Personal Loan
500/- to 0.50%
Nil
Kotak Personal Loan
1% to 2%
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
Personal Loan Ratnagiri Documents
Salaried Customers:
- Identity proof such as Aadhar card/driving license
- last three-month salary slips
- Bank statements for the last 6 months
- PAN Card
- Residence Proof (Owned/Rented/Company provided), and rental agreement in case of rented apartments
- 2 Passport-sized photographs of the applicant
Self-Employed Customers:
- All financials are required (Balance Sheet, P&L Statement as well as ITR files)
- PAN Card
- Aadhar Card as identity proof
- Residence Proof and rental agreement in case of a rented apartment
- Two passport-sized photographs of the applicant
Personal Loan Ratnagiri Eligibility Criteria
Click here to know more about personal loan eligibility
Salaried Applicants:
- The minimum age requirements of the applicant should be 21 years and a maximum of 60 years.
- The applicants must have work experience of three years. The salary should be shown in their accounts.
- The applicants must a credit history suitable for a personal loan
- The job location of the applicant
- minimum income should be INR 25,000 per month
Self-Employed Applicants:
- The minimum age of the applicant should be 25 years.
- The ITR file for the last three years will be required.
- The business of the applicant should be running for the past three years.
- The CIBIL score should be up to the mark
- The annual income of the applicant should be at least Rs 2.5 lakh.
- The whole documentation process of the personal loan is the applicants have to submit his financial and his bank statement of the previous three months.
Why Apply for Personal Loan Ratnagiri?
- Get Personalized Service: Our trained Relationship Managers will understand your requirements and your profile and help you find the most suitable Personal Loan offer.
- Rate Comparison: We help you understand the details of all costs involved in taking a Personal Loan and help you find the Cheapest Offer.
- Detailed Research: Benefit from our detailed research on all the products from the leading Personal Loan players in the market and make the right choice.
- Zero Charges: Dialabank offers personalized service to its customers at zero fees. Use our services to find the right Personal Loan Ratnagiri deal at no extra cost.
- Unbiased and Transparent Search: Our objective is to simplify your Personal Loan search and we provide information in an unbiased and transparent manner.
How to apply for Personal Loan Ratnagiri?
To apply for the best personal loan deals, visit Dialabank and click on the personal loan option on the menu of the homepage. After, that all you have to do is fill up a form for the perusal of our experts. Click on Apply now and we will soon give you a call to assist you in the process. In case you have any queries, visit the nearest Dialabank branch or call us at 9878981166.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fee / Prepayment Charges on Personal Loan Ratnagiri
Banks and NBFCs usually charge a minimal fee for processing your loan, 1% of your loan amount.
Prepayment of a loan happens when you wish to repay a part of your loan before the tenure ends. This helps to reduce the burden of your EMIs, and for this, banks charge a prepayment fee typically ranging from 4% of the loan amount in the 2nd year to 2% of the loan amount in the 4th year. However, you can only prepay your loan after 12 months.
Personal Loan Ratnagiri EMI Calculator
Equated Monthly Installments or EMIs are the instalments that you have to pay to your lender every month as a way to repay your loan. This EMI calculator will help you calculate your EMIs beforehand so that you can compare various offers and choose the best.
CIBIL Score required for Personal Loan Ratnagiri
A CIBIL score is a powerful 3 digit number that measures your credit history and repayment ability. In case your CIBIL score is up to the mark, it will show that you are a trustworthy lender and help you avail of the best offers as loans. On the other hand, if you have a low CIBIL score, then the banks and NBFCs will not be much willing to lend you loans and will charge you higher interest rates.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Ratnagiri Contact Number
Call 9878981166 and get instant help and approval for a Personal Loan in Ratnagiri.
Pre Calculated EMI Table for Personal Loan Ratnagiri
Click here for personal loan EMI calculator
About Ratnagiri
Ratnagiri is a beautiful port city on the Arabian Sea coast in Ratnagiri district in the southwestern part of Maharashtra which is India. The important industry in this city is of fish.
