Personal Loan Siwan

⋆ 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 Siwan

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 Siwan Features

Personal loan SiwanThe loan offered to people without placing any collateral is defined as a Personal Loan. This kind of loan helps a person to meet personal requirements without including any type of property or asset. The amount can be used for several purposes like wedding expenses, higher study, home renovations, debt consolidations, and many more reasons. You can avail of a personal loan in Siwan as it is easy to take and more manageable to repay. In addition to this, you don’t need to have any collateral to be deposited as this loaning scheme is of guarantee free facility.

A personal loan in Siwan is unsecured in nature that a person can avail based upon his monthly income and CIBIL score without the need of having to keep any collateral security with the bank or NBFC. There exists no end-use restriction on the use of the personal loan amount which allows the use of this loan amount for any financial purpose.

Personal Loan Siwan 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 Siwan

With the right documents, you can easily avail instant Personal loan in Siwan with DialaBank. The important documents required for salaried customers are as follows:

Salaried Customers:

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

The documents for self-employed customers differ marginally. Important documents are:

Self-Employed Customers:

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

personal loan at 10.75%*

Eligibility Criteria for Personal Loan Siwan

The personal loan eligibility criteria for both Salaried and Self-Employed in Siwan are different in the following manner:

Salaried Applicants

  1. Salary: Rs 18,000 (Monthly).
  2. Minimum and Maximum Age: 21 and 60 Years.
  3. Work Experience: A total of three years and 1-year experience in the current ongoing job.
  4. CIBIL Score must be more than 700.
  5. The applicant should not be receiving his salary in cash.

Self-Employed Applicants

  1. Minimum and Maximum Age: 25 and 65 years.
  2. A proof of filed annual ITR of 2.5 to 3 lakh for the previous 3 years.
  3. Residence: Should be owning an Office or Home.
  4. Business Stability: Your business should be well operating with stability for the last three years.
  5. CIBIL Score should be more than 700.
  6. The minimum age requirement for a self-employed applicant should be 25 years.

Why Apply for Personal Loan Siwan?

  1. It is a completely safe and straightforward loan scheme for raising funds in times of need as it does not require collateral.
  2. There is no need to mortgage your precious assets as security to the lender.
  3. A co-applicant is not essentially required.
  4. The loan is only dependent upon the candidate’s income and his repayment capability.

How to apply for Personal Loan Siwan?

Applying for a personal loan in Siwan is easy with DialaBank. The process of application is quite straightforward and fast to enable anyone to apply for it easily.
  1. Visit www.dialabank.com.
  2. Then select a Personal Loan option from the options online after filling all the personal details.
  3. Enter your active, working contact number so that we can contact you back.
  4. Dialabank is one of the top platforms available online to apply for a personal loan in Siwan as we provide you all kinds of loans at a very affordable rate of interest.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Siwan

Every Bank and NBFC charges a fixed fee for processing your Personal Loan application in Siwan. These charges range anywhere between 1.5% to 2.5% of the total sanctioned loan amount depending on the loan amount.

But in any case, if you wish to foreclose your loan before the agreed loan tenure, which is usually a period of 12 months every lending institution charges you a penal prepayment fee for foreclosure. The charges also vary depending on the amount of tenure of the loan left and exist from 2% of the outstanding loan amount in the 2nd year to 4% in the 4th year of the personal loan.

Personal Loan Siwan EMI Calculator

Equated Monthly Installments also popularly known as EMI are the monthly fixed charges that you pay to the bank or NBFC as monthly repayment for the loan amount borrowed as part of a personal loan in Siwan.  Based on your profile, and capabilities of the loan repayment the interest rate on your loan is calculated which you have to pay every month.

You can easily calculate your EMI amount on your personal loan in Siwan using a Personal loan EMI Calculator on our website dialabank.com.

CIBIL Score required for Personal Loan Siwan

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

  1. Mostly a CIBIL score of 750 is considered to process your personal loan application in Siwan.
  2. They also consider the ability and ease with which you previously paid your loans that describes your creditworthiness.
  3. Any sort of delayed payments for previous any kind of loans can result in the decrease of your CIBIL score.

personal loan at 10.75%*

Personal Loan Siwan Agents

Dialabank is the leading agent for availing Personal Loan in Siwan. Dialabank helps you to find the best option of Banks and NBFCs by providing you with a comparison of different numerous offers provided by them so that you can make the right choice in the process of loan application.

To get the best offers on personal loans in Siwan kindly visit our website and fill a simple form online with your personal and employment details. Our customer relationship managers will soon get in touch with you on the contact number provided on your application to help you further. You can apply online at www.dialabank.com or give a call at 9878981166 for further processing of personal loan in Siwan.

Personal Loan Siwan Contact Number

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

Pre Calculated EMI Table for Personal Loan Siwan

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 Siwan

Siwan is a city and Nagar Parishad situated in the Indian state of Bihar. It is the administrative headquarters of the Siwan district and one of the urban settlements of the district. It is located in close proximity to Uttar Pradesh.

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