Personal Loan Sainthia

Best Banks for Personal Loan Sainthia

Personal Loan Sainthia Features

Are you looking for money on an urgent basis?

Whether for wedding purposes or to meet the requirement of any medical expense.

You Don’t need to worry; Personal Loan is there waiting for you. It is an unsecured loan with minimum documents required and less paperwork. Personal Loan gets disbursed within 48 hours without any hassle by applying through DialaBank.

Personal Loan Sainthia is a loan where you borrow the money from a bank at a specific rate of interest to fulfill your financial needs. Personal Loan is the best way to overcome a financial crisis. Whenever there is a need for fast money, then you should go for the option of a personal loan and get quick approval.

Personal Loan Sainthia Interest Rates and Charges

The interest rates in Personal Loan depends upon the company’s profile and salary of a person. The interest rate of Personal Loan Sainthia starts from 7.35% per annum.

More About: Interest Rates on Personal Loan

Personal Loan Sainthia Eligibility Criteria

In Personal Loan, eligibility criteria for both Salaried and Self-Employed are different :

Salaried Applicants

1. The minimum age requirement of the individual for getting Personal Loan Sainthia should be 21 years and a maximum 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. In a metropolitan city, a borrower should have a minimum income of Rs. 18,000 and in non-metro city minimum income should be Rs. 12,000.

Click here to know more about- 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 applicant is a businessman, then the business should be running for 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.

Click here to know more – Self-employed Applicant.

Personal Loan Sainthia Documents required

1. The documents required for the residence proof includes (Passport / ID card / Voter card / Aadhaar card / Ration card / Driving license). If the applicants are living in rental apartments, then they have to submit their Agreement, Electricity bill on his name, and address of the owner.
2. Self-employed applicants who want to avail of personal loans should file ITR for the last three years, and the business of the applicant should be registered.
3. Salaried applicants have to show his salary slip for the last three months and bank statement for the last six months.
4. Under KYC formality, every applicant has to submit his pan card, which is an essential document.
5. Two colored passport size photos ( Applicants should not wear any glasses)

How to apply for Personal Loan Sainthia?

1. Visit Dialabank
2. Go to the loan section and click on the personal loan link.
3. The applicant will be directed to all details of the personal loan where they can choose their preferred city.
4. For more information and free guidance, you may call on 9878981166.
5. About Personal Loan

Processing Fee / Prepayment Charges on Personal Loan Sainthia

Every Bank and NBFC charges two kinds of fees from its customers. The first is a fee for processing your Personal Loan application. These charges are 1% of the sanctioned loan amount.

If you want to shut your credit before the decided credit period, all loaning corporations will impose you a fine as a prepayment charge. You won’t be allowed to terminate your credit before the cycle. Post that, the charges vary reliant on the number of years the loan has terminated. This charge changes from 4% of the balance in the next year to 2% in the fourth year of the loan.

To know the interest rate click on personal loan interest rate

Personal Loan Sainthia EMI Calculator

Equated Monthly Installments or EMI signifies a cyclic set rate that you need to return to the bank as monthly compensation for the loan amount which is obtained. According to your profile, the rate of interest on your loan is fixed. The EMI on your loan is determined depending upon the Rate bank charges you with and the loan amount you have to take and the duration for which you take the credit.

CIBIL Score required for Personal Loan Sainthia

All the lending companies have their own criteria for a least CIBIL score that is necessitated to prepare a Personal Loan application in Sainthia. Commonly, the organisations demand a least score 750 to process an application form.

No organisation simply views at the overall record; they also study at a refined composition of the preceding loans. The specifications involve the sort of loans and the amount of wealth that was procured. If there is any delay in the returns of the prior loans, it may terminate the approval of the present loan.

Personal Loan Sainthia Agent and Contact Number 

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

About Sainthia

Sainthia is a city and a municipality in Suri Sadar subdivision of Birbhum district in the Indian state of West Bengal. The city is known as the business city of Birbhum district. The city is under the jurisdiction of the Sainthia police station.