Personal Loan Silchar

⋆ 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 Silchar

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 Silchar Features

personal loan SilcharA personal loan a sort of financial aid and assistance that allows a person to borrow money from the banks, but has to pay some amount to the bank as an interest rate. The process is quick and simple. There are many banks and non-banking financial institutions (NBFCs) across Silchar that offer a personal loan at a very low-interest rate.

If you are in an urgent need of the money a personal loan can be of great help to you to fulfill any of your requirements. It is an instant loan that an individual can avail of instantly within 48 to 72 hours of applying with us. It also requires minimum documentation for the approval of the personal loan in Silchar. Also, there is no requirement for any form of security to avail of personal loans in the city.

  1. No need to deposit absolutely any mortgage and collateral security to the bank.
  2. Personal Loan Silchar is a multi-purpose offer loan.
  3. The amount of personal loans is dependent upon the repayment capability of the individual income and his capacity.
  4. Personal Loan Silchar does not require any guarantor or nominee.

Personal Loan Silchar 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 Silchar

Documents required to avail a personal loan in Silchar vary for salaried customers and self-employed ones.

Salaried Customers:

  1. PAN Card
  2. Residence Proof be it owned or rented
  3. Passport-sized photographs – 2
  4. Identity proof (Aadhar card/driving license or ration card)
  5. Salary slips of last three months
  6. Bank statements for the last 6 months
  7. If residing in a rented house, an agreement needs to be attached to the application.

Self-Employed Customers:

  1. Financial statements of the business including P&L statements
  2. PAN Card
  3. Aadhar Card
  4. Residence Proof
  5. Two passport-sized photographs

personal loan at 10.75%*

Eligibility Criteria for Personal Loan Silchar

The Personal loan eligibility criteria is essential to be fulfilled to avail of a personal loan in Silchar.

Salaried Applicants

  1.  21 to 60 years of age.
  2. 3 months salary slips.
  3. A salary of minimum Rs.18,000 per month is essential
  4. 3 years of work experience important
  5. 700 and above CIBIL score

Self-Employed Applicants

  1. The ITR of Rs 2.5 lakhs per annum for the previous 3 years at least should be filed.
  2. Applicant must have a running from the last three years.
  3. 25 years of minimum age.
  4. A Maximum of 65 years of age.
  5. The CIBIL of the applicant should be 750+, and no debt should be left due to past loans.

Why Apply for Personal Loan Silchar?

  1. It is based upon the annual income which means you will not be charged for more than what you can afford.
  2. Personal Loan Silchar is a multi-purpose offer that can be used for any kind of financial problem.
  3. Personal Loan approval does not require any guarantor or nominee or co-applicant.
  4. There exists no requirement of any property or asset as security to the lender.

How to apply for Personal Loan Silchar?

Anybody can apply for Personal Loan online for Silchar with the easy process by applying through DialaBank. The process of application is pretty straightforward and quick for anyone to get the benefit.

  1. Visit www.dialabank.com.
  2. Apply for a Personal Loan online through our website and also give your personal essential details.
  3. Enter your existing valid contact number so that we can contact you back.

The benefits of applying online with DialaBank are:

  1. Dialabank does not charge any sort of extra fee for assistance from the consumers.
  2. We are always ready to provide 24/7 services
  3. We ensure your loan disbursal within a few hours.
  4. The relationship manager will guide you throughout the complete loan process.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Silchar

Every Bank and NBFC broadly charges two kinds of fees from its customers:

  • The first is a processing fee for just processing your Personal Loan application. These charges vary from 1% to 2.5% of the sanctioned loan amount.
  • The second being Pre-closure charges in-case you want to foreclose your personal loan by pre-payment before your fixed tenure. In most cases, you cannot foreclose your personal loan before 12 months. Post that the charges again vary depending on how many years the loan has left ranging from 4% to 2%.

Personal Loan Silchar EMI Calculator

Equated Monthly Installments also know as EMI are the monthly charges that you pay to the bank or NBFC as monthly repayment for a part of the loan amount borrowed.  Based on your profile, income, loan amount, and tenure the interest rate on your loan is decided upon. It must be calculated every month.

The  Personal loan EMI Calculator available on our website can be used to know your EMI value on your loan amount.

CIBIL Score required for Personal Loan Silchar

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

  1. A score of 750 is essential to process your loan application.
  2. Other factors like income and job stability are also essential.
  3. No sort of dues should exist from previous loans.
  4. Regular payment of previous loans will increase your CIBIL score.

personal loan at 10.75%*

Personal Loan Silchar Agents

Dialabank helps you with the comparison of various banks and NBFCs so that you can avail the best offers available according to your interest. DialaBank is your best agent available for personal loans in Silchar. Our relationship manager will ensure you get the best loan available in the city at the lowest possible interest rate and hassle-free documentation to make your experience great. The reason behind choosing DialaBank as your agent to avail of personal loan is:

  1. No kind of charges whatsoever.
  2. Loan disbursed within no time.
  3. Our relationship manager guides and assists you through the entire process of loan approval.
  4. Get expert advice.
  5. Home pickup facility available for your documents is available with us.

Personal Loan Silchar Contact Number

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

Pre Calculated EMI Table for Personal Loan Silchar

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 Silchar

Silchar is the headquarters of the Cachar district in the state of Assam, India. Silchar earned the name of “The Island of Peace” from India’s then prime minister of India Indira Gandhi. In this area, the only major industry present in the district is Cachar Paper Mill (CPM).

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