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

      Table of Contents

      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. Many banks and non-banking financial institutions (NBFCs) across Silchar offer a personal loan at a very low-interest rate.

      If you are in an urgent need of the money, a personal loan can help you 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 security form 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 is 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 are 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 you can afford.
      2. Personal Loan Silchar is a multi-purpose offer that can be used for any 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. Please apply for a Personal Loan online through our website and also give your personal essential details.
      3. Please 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 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% 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 known as EMI are the monthly charges 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, your loan’s interest rate 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 compare 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 personal loan 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).