Personal Loan Surendranagar

Best Banks for Personal Loan in Surendranagar

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 Surendranagar Features

Personal Loan SurendranagarPersonal Loan is the answer to all your problems regarding monetary shortage to facilitate your dreams. It is convenient to avail a personal loan as it does not require any deposit of any asset or collateral to the bank and can be availed at an affordable interest rate.

A borrower can use the money sanctioned by the bank for whatsoever purpose without the banks interfering in it.

Personal Loan in Surendranagar 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 Surendranagar Documents Required 

Salaried Customers:

  1. Income Proof: Salary slips of last three months and bank statements for the last 6 months
  2. Two recent passport-sized photographs
  3. Identity proof: Aadhar card/driving license/ Voter ID
  4. PAN Card
  5. Residence Proof which includes Water Bill/ Telephone Bill/ Voter ID

*NOTE: In case of rented apartments, rent agreement needs to be attached.

Self-Employed Customers:

  1. All financials are required (Balance Sheet, P&L Statement as well as ITR files) to be submitted by the borrower
  2. 2 Passport-sized photographs (colored)
  3. ID Proof: Aadhar card/driving license/ Voter ID
  4. Bank statements for the last 6 months
  5. Photocopy of PAN Card
  6. Residence Proof which includes Water  Bill/ Telephone Bill/ Voter ID

personal loan at 10.75%*

Personal Loan in Surendranagar Eligibility Criteria

The eligibility criteria for both Salaried and Self-Employed are different:

Salaried Applicants

  1. An individual must be over 21 years and below 60 years of age
  2. The borrower should have the work experience of the three years in the current job
  3. The applicants should not have any dues left and should have a good CIBIL score
  4. The job location of the borrower should be mentioned.

Self-Employed Applicants

  1. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
  2. The applicants applying for the personal loan should file ITR for the previous three years.
  3. The business should be running from the past three years in case the applicant is a businessman
  4. The credit score of the individual applicants should be good .there should not be any debt or dues left.
  5. The minimum age requirement for a self-employed borrower is 25 years.
  6. Financial and his bank statement of the previous three months should be provided by the borrower

Click here to know more about eligibility: Personal Loan Eligibility

Why Apply for Personal Loan Surendranagar?

  1. No need to deposit any mortgage or collateral security
  2. Does not require any guarantor or nominee for loan approval
  3. The loan amount can be utilized as per the wise of the borrower
  4. The amount of personal loan depends upon the repayment of individual income and capacity.

How to apply for Personal Loan Surendranagar?

  1. Visit dialabank and get the best deals on a personal loan
  2. First, click on personal loan under the loan section
  3. The applicant must provide the personal and income details
  4. Our relationship managers will contact on the provided contact number for further process
  5. For more information and free guidance, you may call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Surendranagar

For processing the personal loan application form, a processing fee is charged by the banks which varies from bank to bank.

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. Depending on how many years the loan has done the charges differ. These charges vary from 1% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.

Personal loan 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

 

Personal Loan Surendranagar EMI Calculator

Equated Monthly Installments also know as EMI are devised so that the repayment of the loan amount borrowed is easier for the applicant. EMI has to be paid on a monthly basis and is a fixed amount which is calculated on the basis of interest rate, loan tenure and amount of loan sanctioned by the bank.

Get to know more about EMI Calculator: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Surendranagar

Different banks have their own criteria for the minimum CIBIL score required for processing a Personal Loan application in Surendranagar. Most institutions require a minimum score of 750 for further processing of your loan application.

Good credit history is a must to avoid any inconvenience in availing fresh loans in the future as the banks analyze the CIBIL score as well as the detailed behaviour of previous loans.

personal loan at 10.75%*

Personal Loan Surendranagar Agents

Dialabank is the leading agent for availing Personal Loan in Surendranagar. You can apply online at dialabank or give a call at 9878981166

Personal Loan Surendranagar Contact Number

Call 9878981166 and get Instant Personal Loan in Surendranagar.

Pre Calculated EMI Table for Personal Loan Surendranagar

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 Surendranagar

Surendranagar is a city, also known as the gateway to Saurashtra and as Zalawad. The major agricultural product of this city is cotton. Surendranagar District is one of the highest quality producers of cotton in the world.

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