Personal Loan Ropar

⋆ 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

Major Personal Loan Providers in Ropar

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 Ropar Features

Personal loan RoparPersonal Loan is an unsecured loan that provides financial assistance to the customers at affordable interest rates. To get a Personal Loan in Ropar, 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.

Financial 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 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 Ropar 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
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

Documents for Personal Loan Ropar

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

Salaried Customers:

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

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%*

Eligibility Criteria for Personal Loan Ropar

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

Salaried Applicants

  • 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 availing Loan.
  • Salary: Rs 18,000 (Monthly).
  • Minimum Age: 21 Years.
  • Maximum Age: 60 Years.

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.
  •  Business should be well operating for the last 3 years.

Why Apply for Personal Loan Ropar?

  • The documentation of these loans is very simple. The required documents are the basic ones and do not need to worry about it.
  • We help you choose from a whole lot of options available in the market.
  • 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.
  • We are India’s first financial helpline.

How to apply for Personal Loan Ropar?

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

  • Visit Dialabank.
  • Click on Personal Loan.
  • Fill 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 to guide you on a personal loan.

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 Ropar

Availing a personal loan in Ropar 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 in Ropar application. This varies between 1% to 2.5% of the entire sanctioned 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 Ropar 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 Ropar

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

  • The institutions and banks don’t just look at the overall score but also the detailed behavior on 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 Ropar Agents

Dialabank is your best agent in Ropar for availing 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 you best agent available for personal loan in Ropar. Our relationship manager will ensure you get the loan at the lowest possible interest rate in Ropar with hassle-free documentation. The main reason behind choosing DialaBank as your agent for personal loan in Ropar is:

  • We do not charge you for our services.
  • 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 a personal loan in Ropar kindly contact on 9878981166.

Personal Loan Ropar Contact Number

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

Pre Calculated EMI Table for Personal Loan Ropar

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 Ropar

Ropar also known as Rupnagar is a city and a municipal council in the Ropar district in the Indian state of Punjab. Ropar is a newly created Divisional Headquarters of Punjab consisting of Ropar, Mohali, and its adjoining districts. It is also one of the bigger sites known for belonging to the Indus Valley Civilization.

 

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