Personal Loan Rishikesh

⋆ Interest Rate 9.99% ⋆

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      Table of Contents

      Personal Loan Rishikesh

      Best Banks for Personal Loan in Rishikesh

      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 in Rishikesh Features

      personal loan RishikeshFinancial Constraints can create a burden on anyone. And if you are going through the same, DialaBank is here looking to help you out through Personal Loans are just the right financial tool for you.

      Personal Loan Rishikesh is an unsecured loan that provides financial assistance to customers at affordable interest rates. To get a Personal Loan in Rishikesh, the applicant needs to have a stable source of income and also have a good credit past. Also, there is no restriction on the use of the personal loan amount which means that you can use this loan amount anywhere for whatever purpose you wish to.

      Personal loans are quick, prompt, cheap, and easily accessed. These loans are a blessing for all those, who are facing financial urgency In any sort and are not getting way to meet their personal needs. These debts are unsecured in nature and require less paperwork.

      Personal Loan in Rishikesh Interest Rates and Charges 

      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

      Personal Loan in Rishikesh Documents Required 

      The documents required for a personal loan in Rishikesh are accordingly:

      Salaried Customers:

      • Salary slips of last three months
      • Bank statements of the last 6 months
      • Passport-sized photographs – 2
      • Identity proof (Aadhar card/driving license)
      • The rent agreement needs to be attached.
      • PAN Card.
      • Residence Proof (Owned/Rented/Company provided)

      Self-Employed Customers:

      • Two passport-sized photographs
      • Aadhar Card
      • Residence Proof
      • Balance Sheet, P&L Statement as well as ITR files and other necessary financial records of the business
      • PAN Card

      personal loan at 10.75%*

      Personal Loan in Rishikesh Eligibility Criteria 

      The Personal loan eligibility criteria are required to be fulfilled to be able to apply for a personal loan in Rishikesh.

      Salaried Applicants: 

      • Salary: Rs 18,000 (Monthly).
      • Minimum Age: 21 Years.
      • Maximum Age: 60 Years.
      • Work Experience: Should be Overall 3 years and must have 1-year experience in the current job.
      • CIBIL Score must be more than 700.
      • A person who gets his/her salary in cash will not eligible for an availing Loan.

      Self-Employed Applicants: 

      • CIBIL Score must be more than 700.
      • Minimum Age: 25 Years.
      • Maximum Age: 65 Years.
      • Should be filing for an annual ITR of 2.5 to 3 lakh regularly.
      • Residence: Must be having an Office and Home.
      •  The business should be well operating for the last 3 years.

      Why Apply for Personal Loan Rishikesh?

      • The documentation of these loans is very simple. The required documents are the basic ones and do not need to worry about it.
      • The cost of these loans can be anywhere between Rs 50000 to Rs 20 Lacs.
      • The online application processes have made availing of personal loans easy and hassle-free. The loans approved can be provided to the customers immediately after the documents have been verified and approved.

      How to apply for Personal Loan Rishikesh?

      Anybody can apply for a Personal Loan Rishikesh online. The process of application is easy and quick. You may also call on the number 9878981166.

      • Visit Dialabank.
      • Click on Personal Loan.
      • Fill in your personal details like name, income, location, etc. to assist us better in providing you offers.
      • Our relationship manager will soon get back to you on your provided contact number.

      Dialabank is the best platform to apply for a personal loan as you will get a loan at affordable rates of interest without being charged for it.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Rishikesh

      Availing a Personal Loan in Rishikesh incurs some kinds of charges. Every Bank and NBFC charges mainly two kinds of fees from its customers.

      • Processing fee for processing your Personal Loan Rishikesh application. These charges are 1% of the loan amount.
      • The Pre-closure charges in case you want to close your loan before your fixed tenure period. Post the fixed tenure the charges vary depending on how many years the loan has left. These charges range from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year. This charge will not be applicable if you complete your loan repayment in the fixed tenure.

      Personal Loan Rishikesh EMI Calculator

      The  Personal loan EMI Calculator can be used to know your EMI amount on interest on your loan amount easily.

      Equated Monthly Installments also know as EMI are the monthly fixed amount that you pay to the bank as monthly repayment for the loan amount borrowed.  It is based on your profile, income, and tenure the interest rate on your loan. Your EMI is calculated basis the Interest Rate you are charged by the respective bank which is required to be paid every month till tenure. EMI is easy to pay and do not put any kind of burden on you financially.

      CIBIL Score required for Personal Loan Rishikesh

      Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan Rishikesh application.

      • The institutions and banks don’t just look at the overall score but also the detailed behaviour of the previous loans taken.
      • Most institutions require a minimum score of 750 to process your personal loan application.
      • Others might look into other factors like income and job stability to process the loan in Rishikesh.
      • This includes details on the type of loan taken and the amount borrowed previously. Any delayed payments on previous loans can be a barrier to your new loan application.

      personal loan at 10.75%*

      Personal Loan Rishikesh Agents

      Dialabank is your best agent in Rishikesh for availing of any kind of loan. It helps you in comparing various banks and NBFCs so that you can avail of the top offers available according to your need and capacity. DialaBank is your best agent available for a personal loan in Rishikesh. Our relationship manager will ensure you get the loan at the lowest possible interest rate in Rishikesh with hassle-free documentation. The main reason behind choosing DialaBank as your agent for a personal loan in Rishikesh is:

      • We do not charge you for our services.
      • The loan gets disbursed within a few hours of applying with us online.
      • Our relationship manager guides and assists you through the entire process without any fees.

      For any sort of assistance or guidance on personal loan kindly contact on 9878981166.

      Personal Loan Rishikesh Contact Number

      Call 9878981166 and get instant help and approval for Instant Personal Loan in Rishikesh.

      Pre Calculated EMI Table for Personal Loan Rishikesh

      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 Rishikesh

      Rishikesh is a city situated in the Dehradun district of Uttrakhand state, India. It is also known as the Yoga Capital of the World and the Gateway to the Garhwal Himalayas. Rishikesh has become famous for its white water rafting on the river Ganges and other exciting activities like mountaineering, rock climbing, etc.

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