Personal Loan Samastipur

⋆ 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 Samastipur

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 Samastipur Features

Personal Loan SamastipurA personal Loan is an unsecured loan that offers financial aid and assistance to the customers at affordable interest rates. To get a Personal Loan, the applicant needs to have a positive and good source of income and has a good credit history. There stands no restriction on the end-user of the personal loan. Individuals can use this loan amount anywhere you wish to do.

Personal loans are quick, prompt, and easily accessible. These loans are indeed a blessing for all those, who are facing financial crises and are not getting way to meet their personal needs. These debts are unsecured in nature and require less paperwork.

Personal Loan in Samastipur 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 Samastipur Documents Required 

Documents required to avail a personal loan vary for salaried customers and self-employed ones. The following are the important documents for both kinds of customers:

Salaried Customers:

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

Self-Employed Customers:

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

personal loan at 10.75%*

Personal Loan in Samastipur Eligibility Criteria 

The Personal loan eligibility criteria vary for both Salaried and Self-Employed customers in Samastipur:

Salaried Applicants

  1. Salary: Rs 18,000 (Monthly).
  2. Minimum Age: 21 Years.
  3. Maximum Age: 60 Years.
  4. Work Experience: Total 3 years and 1-year experience in the ongoing job.
  5. CIBIL Score must be more than 700.

Self-Employed Applicants

  1. Residence: ought to be having an office or home.
  2. Commercial enterprise has to be running for the final 3 years.
  3. CIBIL rating should be more than 700.
  4. Minimum Age: 25 Years.
  5. Maximum Age: 65 Years.
  6. Ought to be submitting for an annual ITR of 2 lakh.

Why Apply for Personal Loan Samastipur?

  1. It’s far the simple and safe loan scheme for elevating the budget in times of want.
  2. It’s far effortlessly available within 48 hours.
  3. It can clear up any sort of monetary issues.
  4. Free from any type of cost.

How to apply for Personal Loan Samastipur?

Anybody can apply for Personal Loan Samastipur online only in 2 minutes. The process of application is straightforward and quick.

  1. Visit dialabank
  2. After that, apply for a personal mortgage online.
  3. Fill your info like call, earnings, vicinity to assist us higher in supplying you gives.
  4. Our supervisor will soon get back to you.
  5. Dialabank is the pleasant platform to be had on-line to use for a personal loan in Samastipur as you will get a mortgage at affordable prices of interest.

You may also call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Samastipur

Availing a personal loan incurs some kinds of charges for a personal loan in Samastipur. Every Bank and NBFC charges mainly two kinds of fees from its customers. The first is a fee for processing your Loan application. The charges vary between 1% of the sanctioned total loan amount.

The second being Pre-closure charges for a situation when you want to close your loan before your fixed tenure. In most cases, you cannot for-close your loan before the tenure of 12 months. Post that the charges also vary depending on how many years the loan has done. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan and are only applicable if you do not complete your loan repayment in the fixed tenure.

Personal Loan Samastipur EMI Calculator

The  Personal loan EMI Calculator can be used whenever freely to understand your EMI cost in your loan quantity. Equated Monthly Installments also realize as EMI are the month-to-month prices that you pay to the bank as monthly compensation for the mortgage amount borrowed for monetary desires. based to your profile, profits, loan quantity, and tenure the hobby fee for your loan is decided as a consequence. Your EMI is calculated basis the hobby price you are charged via the precise bank that’s required to be paid each month till the crowning glory of the tenure. EMI is simple to pay and does no longer placed any kind of burden on you financially.

CIBIL Score required for Personal Loan Samastipur

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

  1. The institutions don’t just check the overall score but also the detailed behavior on the previous loans taken.
  2. Most institutions want a CIBIL score of 750 and above to process your loan application.
  3. Some might look into other factors like income and job stability to process the personal loan.
  4. This includes details on the type of loan taken previously by you and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your getting a new loan.

personal loan at 10.75%*

Personal Loan Samastipur Agents

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

  1. We do not charge you for our services rendered.
  2. The loan gets disbursed within a few hours of applying with us.
  3. Our relationship manager guides you through the entire process of personal loans.

For any assistance or guidance kindly contact on 9878981166.

Personal Loan Samastipur Contact Number

Call9878981166 and get instant help and approval for Instant Personal Loan in Samastipur.

Pre Calculated EMI Table for Personal Loan Samastipur

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 Samastipur

Samastipur is a city in Bihar. It is the administrative council of the Samastipur District. It lies on the banks of the Budhi Gandak River or Gandaki River.

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