Personal Loan Roorkee

⋆ 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

Best Banks for Personal Loan in Roorkee

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 Roorkee Featurespersonal loan roorkee

Need for external financial help to meet your requirements? If yes, then you can avail a personal loan. It is a loan that can be used for different purposes like paying debts, going for a holiday, paying tuition fees and many more. Personal Loan Roorkee provides a solution to all problems of financial needs and cash urgently.

This loan is unsecured with minimal documentation and less paperwork. This loan can get approved within 48 hours after the verification process. A personal loan will help you to overcome your financial crisis.

As the name suggests, a Personal Loan may be opted by an individual due to an urgent requirement of cash, for example, any medical issue, education purpose, or wedding or to fulfil any of your other personal needs. This is a life-saver option.

To get a Personal Loan, the applicant needs to have a rigid and good source of income and a good credit history. Additionally, there is no end-use restriction on the use of the personal loan amount. 

Personal Loan in Roorkee 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
1%
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 Roorkee Documents Required

The documents required for a personal loan varies from a salaried customer to a self-employed customer in the following manner:

Salaried Customers:

  1. Identity proof (Aadhar card/driving license)
  2. PAN Card
  3. Residence Proof (Owned/Rented/Company provided)
  4. Salary slips of last three months
  5. Bank statements for the last six months
  6. Passport-sized photographs – 2
  7. In the case of rented apartments, 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 at 10.75%*

Personal Loan in Roorkee Eligibility Criteria

The personal loan eligibility criteria for both Salaried and Self-Employed are different. It is based on the bank which has to approve the request of the applicant regarding the credit. There are two categories of applicants:

  1. Salaried
  2. Self-employed

There are various eligibility criteria for both applicants:

Salaried Applicants

  1. Minimum age requirements of individuals should be 21 years and maximum up to 60 years.
  2. The applicants must have the work experience of the three years. 
  3. The applicants must have an excellent credit history.
  4. Job location of the applicant should be mentioned.

Self-Employed Applicants

  1. The minimum age requirement for an independent person should be 25 years.
  2. ITR for the last three years.
  3. Financial and bank statement for the previous three months.
  4. If a business person, then the business should be running from the past three years.
  5. The credit score of the individual applicants should be good.
  6. The annual income of the applicants should be a minimum of Rs 2.5 lakh.

Why Apply for Personal Loan Roorkee?

  1. No Securities: The securities for these loans are not required. These loans are based on the monthly or annual income of the applicants.
  2. Interest Rates: These loans have a very competitive rate of interest. Some of the banks offer the cheapest of loans in this category.
  3. Tenure: The period of these loans can be extended to 5 years. There are some of the exceptions too.
  4. Quick Processing: The loans are processed in no time after the verification of the documents.
  5. EasyInstallments: The applicant can choose the number and amount of the instalments for this loan according to his affordability.
  6. Minimum Documentation: The documents needed by the banks to avail of these loans are essential documents.
  7. Credit Score: Some of the applicants apply for these loans to improve their credit score.

How to apply for Personal Loan Roorkee?

Applying for a personal loan is comfortable with DialaBank. Get an instant personal loan on applying online with DialaBank. Just follow the steps below to enjoy a hassle-free experience:

  1. Visit our website Dialabank
  2. Go to the loan section and click on the personal loan link.
  3. The applicant will be required to fill in all the details of themselves.
  4. Click on Request a quote and our relationship manager will soon get in touch with you.
  5. Call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Roorkee

Every Bank and NBFC charges two kinds of fee for on Personal loan Roorkee application.

  1. The processing fee charges are mandatory for every bank/ NBFC. The Personal Loan Roorkee processing fee is 1% of the sanctioned loan amount.
  2. The other is pre-closure charges which are applicable in case you wish to foreclose your loan before the agreed loan tenure. In most cases, you cannot close your loan before 12 months. Post that the charges vary depending on how many years the loan has done. These charges vary from 4% of the loan amount to 2% of the loan.

Personal Loan Roorkee EMI Calculator

Equated Monthly Installments is the monthly fixed amount that the customer or applicant has to pay to the bank as the loan amount. The applicant is the borrower in such cases, and the bank/NBFC is the lender. EMI varies according to your loan amount and tenure. You can find the Personal loan EMI calculator on DialaBank’s website.

CIBIL Score required for Personal Loan Roorkee

CIBIL Score is the history of your payments that you have done in the past. The CIR or Credit Information Report is the history of your credit score which checks your account’s history for different loans that you have taken (if any) and the credit card history (if you have).

  1. Mostly a CIBIL score of 750 and above is considered good while applying for a personal loan.
  2. The better the CIBIL score, the easier it becomes to avail the loan.

personal loan at 10.75%*

Personal Loan in Roorkee Agent and Contact Number

Dialabank is associated with various banks and NBFCs in Roorkee that provide personal loans at low-interest rates. Thus, DialaBank is the leading agent for availing Personal Loan Roorkee. Apply online at Dialabank or give a call at 9878981166.

  1. We do not charge any extra fees from our customers.
  2. We are always ready to help our applicants and are available 24/7.
  3. The Loan gets disbursed within 24 hours.
  4. Our experts will assist you, and our relationship managers will provide guidance.

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

Pre Calculated EMI Table for Personal Loan Roorkee

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 Roorkee

Roorkee is a city and a Municipal Corporation in the Haridwar district of the state of Uttarakhand, India. It is situated on flat terrain under Sivalik Hills of Himalayas. The city is developed on the banks of Ganges Canal, which flows from north-south through the middle of the city. 

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