Personal Loan Siliguri

⋆ 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 Siliguri

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 Siliguri Features

Personal loan SiliguriHave dreams to fulfil? But have financial constraints. A personal loan can help you as it is the best loan option for people living in metropolitan cities. You can do a variety of things like getting your car repaired, paying off medical bills, etc. There is no collateral mortgaging required. It is a simple and hassle-free process as only minimal documentation is required.

Furthermore, there is no end-use restriction on the use of the Personal Loan amount. You can use this loan amount anywhere you want to do.

Personal Loan Siliguri interest rate is 9.99% p.a.

Personal Loan in Siliguri 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 required for Personal Loan Siliguri

Salaried Customers:

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

Self-Employed Customers:

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

personal loan at 10.75%*

Personal Loan in Siliguri Eligibility Criteria

Personal Loan Eligibility criteria for both Salaried and Self-Employed are different:

Salaried Applicants

  1. The minimum age of the applicant should be 21 years and maximum of 60 years.
  2. If the borrower resides in a metropolitan city, then the minimum income should be Rs 18,000. And if the person belongs to a non-metropolitan city, the minimum salary should be Rs 12,000.
  3. The borrower must have a working experience of the three years, and the salary should be deposited in their bank account only.
  4. If the person has applied for a personal loan, then he should have a good credit history.
  5. The documentation process is simple; he has to submit his bank statement of the last three months and the salary slip of the previous six months.

To know more about: Personal Loan for Salaried Applicant

Self-Employed Applicants

  1. The minimum ITR filed should be 2.5 lakhs per annum.
  2. If the applicant has a business, then his business should be running for the last three years.
  3. The age of a self-employed applicant should not be less than 25 years.
  4. The applicant should have been filing his ITR for the last three years.
  5. The applicant should have a good credit score, with no debt left due.

To know more about: Personal Loan for Self-employed Applicant

Why Apply for Personal Loan in Siliguri?

  1. The loan amount depends on the income and repayment capability of the person.
  2. Personal Loan Siliguri is a multi-purpose offer that can be used for almost all financial problems of life.
  3. No collateral like property or asset is required for Personal Loan.
  4. No cosigner required for Personal Loan.

How to apply for Personal Loan in Siliguri?

Personal Loan SiliguriTo apply for an Instant Personal Loan Siliguri, Applicants don’t need to visit the bank’s branch as applicants can apply for it online at Dialabank. The process is very easy & handy. This involves only a few steps:

  1. Visit our website 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, location, income, etc.
  4. Relax as our relationship manager will contact you.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Siliguri

Every Bank and NBFC charge 2 kinds of fees on any personal loan. These are:

  1. Processing Fee, i.e. charged by every lending institute to process your personal loan. The Personal Loan Siliguri Processing Fee is 1% of the sanctioned loan amount.
  2. In case you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. Post that the charges 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.

Personal Loan EMI Calculator Siliguri

Equated Monthly Installments also know as EMI are the fixed amount that one has to pay to the bank/NBFC as a method of repayment of loans. You can easily calculate your EMI using the Personal Loan EMI Calculator that is available on DialaBank’s website.

CIBIL Score required for Personal Loan Siliguri

The CIBIL Score requirement for Siliguri varies from bank to bank. Usually, the banks consider:

  • A score of 750-900 as a very good score. Such applicants get easy loans.
  • A score of 700-750 is considered average.
  • CIBIL score of below 700 can be a problem when availing a personal loan.

personal loan at 10.75%*

Personal Loan Siliguri Agents

Dialabank is the leading agent for availing Personal Loan in Siliguri. Dialabank helps you to find the best option of Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice. Visit our website Dialabank and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

For any assistance, you may contact on 9878981166.

Personal Loan Siliguri Contact Number

Call 9878981166 and get instant help and approval for Personal Loan Siliguri.

Pre Calculated EMI Table for Personal Loan Siliguri

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 Siliguri

Siliguri is a city in the Darjeeling district of West Bengal. It is located on the banks of the Mahananda River in the foothills of the Himalayas.  It is a principal commercial, tourism, transportation, and educational centre in the northern part of West Bengal.

FAQs About Personal Loan Siliguri

Who can apply for a Personal Loan in Siliguri?

People who have an urgent need for cash and have a regular source of income (from employment or business) can apply for a Personal Loan in Siliguri.

What is the tenure of Personal Loan in Siliguri?

Most of the Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. There are some Banks which extend the maximum period to 7 Years also. The tenure is fixed and cannot be extended. The repayment has to be done in equal monthly instalments within the agreed tenure of the loan.

Are there any other charges involved in Personal Loan Siliguri?

Yes, there are 2 types of charges that one needs to pay to avail a personal loan in Siliguri:

Processing Fee: For every bank or lending institution that you borrow from, there is a small fee that they charge from the customer. This is known as Processing Fee. The Personal Loan Siliguri Processing Fee is 1% of the sanctioned loan amount.

Pre-closure Charges: Whenever you want to close a running loan before its agreed tenure period, the Banks and NBFCs charge an extra amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges vary depending on how many years has your loan completed before you decide to pre-close it.

Can my application for Personal Loan Siliguri get rejected due to my CIBIL score?

Since Personal Loan is an unsecured loan, one of the most important decision criteria for getting your Personal Loan application approved is your CIBIL Score. Having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan in the future. Make sure you don’t skip any of your loan EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.

other personal loan cities in West Bengal

Personal Loan Itanagar Personal Loan Naharlagun
Personal Loan Tawang Personal Loan Barama
Personal Loan Bijoynagar Personal Loan Biswanath Chariali
Personal Loan Bokakhat Personal Loan Bongaigaon
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