Personal Loan Rayya

⋆ 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

        Personal Loan Rayya

        Best Banks for Personal Loan in Rayya

        Feature
        HDFC Bank
        Private 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 in Rayya Features

        Personal Loan Rayya

        Are you running short on cash? Do not worry. A personal loan is available for you. This loan is unsecured with minimal documentation and less paperwork. This loan can get approved within 48 hours after the verification process.

        Personal Loan Rayya is an unsecured loan that provides financial aid to customers at affordable interest rates. To get a Personal Loan, the applicant needs to have a rigid and good income source and a good credit history.

        Furthermore, there is no end-use restriction on the use of the personal loan amount. Therefore, you can use this loan amount anywhere you want to do.

        Personal Loan in Rayya Interest Rates and Charges

        To apply for a personal loan, Rayya click on Personal Loan Interest Rate

        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

        Personal Loan in Rayya Documents Required

        Salaried Customers:

        1. Identity proof (Aadhar card/driving license)
        2. Salary slips of last three months
        3. Bank statements for the last six months
        4. PAN Card
        5. Residence Proof (Owned/Rented/Company provided)
        6. Passport-sized photographs – 2

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

        Self-Employed Customers:

        1. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
        2. PAN Card
        3. Aadhar Card
        4. Residence Proof
        5. Two passport-sized photographs

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Click here to know more about  Documents Required for Personal Loan

        Personal Loan in Rayya Eligibility Criteria

        Click here to know more about personal loan eligibility.

        Salaried Applicants

        1. The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
        2. The applicants must have work experience of three years. And the salary should be received in their accounts only.
        3. The applicants must have an excellent credit history.
        4. The job location of the applicant should be mentioned.
        5.  A borrower should have a minimum income of INR 25,000 per month.

        Click here to know more about a personal loan for Salaried Applicant.

        Self-Employed Applicants

        1. The minimum age requirement for an independent person should be 25 years.
        2. The applicants applying for the personal loan should file ITR for the last three years.
        3. If the applicants are the businessman, then the business should be running from the past three years.
        4. The credit score of the individual applicants should be good .there should not be any debt or dues left.
        5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
        6. 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.

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

        Why Apply for Personal Loan Rayya?

        1. There is no need to deposit any mortgage and collateral security to the bank.
        2. A personal loan is a multi-purpose offer loan. It can be used for all the problems related to finance.
        3. The amount of a personal loan depends upon the repayment of individual income and capacity.
        4. Personal Loan does not require any guarantor or nominee.

        Click here to know more about Apply Personal Loan

        How to apply for Personal Loan Rayya?

        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 personal loan details where they can choose their preferred city.
        4. For more information and free guidance, you may call on 9878981166.

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Processing Fee / Prepayment Charges on Personal Loan Rayya

        Every Bank and NBFC charges a fee for processing your Loan application. These charges are 1% of the sanctioned loan amount.

        If you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. Post that, the charges vary depending on how many years the loan has been done. 

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

        Personal Loan Rayya EMI Calculator

        Equated Monthly Installments, also known as EMI, are the monthly fixed charges you pay to the bank as monthly repayment for the loan amount borrowed. Based on your profile, the interest rate on your loan is determined. Your EMI is calculated basis the Interest Rate the bank charges you, the amount of loan you have to take, and the period you enjoy the loan.

        CIBIL Score required for Personal Loan Rayya

        Every lending institution has its criteria for the minimum CIBIL score required for processing a Personal Loan application in Rayya. However, most institutions need a minimum score of 750 to process your loan application.

        The institutions look at the overall score and the individual behaviour on the previous loans taken. This includes details on the type of loan taken and the amount borrowed. Any delayed payments of earlier loans can act as a barrier to your availing of a new loan.

        PERSONAL LOAN

        Interest Rate 9.99%

        +91

        Personal Loan in Rayya Agent and Contact Number

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

        Dialabank helps you find the best option for Banks and NBFCs by providing you with a detailed market comparison of different banks to make the right choice. Visit our website www.dialabank.com and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

        Call 9878981166 and get instant help and approval for a Personal Loan in Rayya.

        Pre Calculated EMI Table for Personal Loan Rayya

        Click here for the 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 Rayya

        Rayya is a city and a Municipality Cop. in the Amritsar district in the Indian state of Punjab. Rayya is about 35 km from Amritsar and 45 km from Jalandhar. It is 5 km from the Beas River.

        FAQs

        Who can apply for a Personal Loan in Rayya?

        People who have an urgent need for cash and have a regular source of income (from employment or business) can apply for a Personal Loan in Rayya.

        What is the tenure of Personal Loan in Rayya?

        Most banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. Some Banks extend the maximum period to 7 Years also. The tenure is fixed and cannot be extended. The repayment has to be done in equal monthly instalments within the agreed term of the loan.

        Can my application for Personal Loan Rayya get rejected due to my CIBIL score?

        Since a Personal Loan is an unsecured loan, one of the most important decision criteria for getting your Loan application approved is your CIBIL Score. Having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan in the future. Make sure you don’t skip any of your loan EMI payments or any credit card payments, as that will decrease your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.

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