Personal Loan Thiruvottiyur

⋆ 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 Thiruvottiyur

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 Thiruvottiyur Features

personal Loan Thiruvottiyur

Personal Loan Thiruvottiyur may be a loaning facility given by banks and NBFCs to their customer during which the applicant gets the desired principal amount from the bank without pledging anything against the loan amount. As a result, it’s said to be an unsecured way of taking a loan amount from the bank.

After you don’t provide anything for the collateral, the primary thing that bank checks within the application are that the CIBIL of the applicant. If your CIBIL or credit score is below the minimum criteria that the bank has set you’re not eligible to require this loan irrespective of what.

Now you would possibly be thinking, is it possible for a loaning facility to supply funds for the acquisition of a replacement machine? Because the name suggests, the loan is introduced by banks to help an individual so that they can provide funding to their dreams without facing any financial roadblocks. Additionally, to the present, it’s one in every of the fastest and also the most availed loaning schemes of all time as its readily available and has lower interest rates.

To get a personal loan, the applicant must have a rigid and good source of income and a decent credit history. Furthermore, there’s no end-use restriction on the utilization of personal loan amount. You’ll be able to use this loan amount anywhere you would like to try and do.

Personal Loan in Thiruvottiyur 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 Thiruvottiyur Documents Required

The documents required for a Personal Loan Thiruvottiyur varies from a salaried customer to a self-employed customer within the following manner:

Salaried Customers:

  1. Identity proof (Aadhar card/driving license)
  2. PAN Card
  3. Residence Proof (Owned/Rented/Company provided)
  4. Salary slips of last three months
  5. Bank statements for the last six months
  6. Passport-sized photographs – 2
  7. In the 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)
  2. PAN Card
  3. Aadhar Card
  4. Residence Proof
  5. Two passport-sized photographs

personal loan at 10.75%*

Personal Loan in Thiruvottiyur Eligibility Criteria

The personal loan eligibility criteria for both Salaried and Self-Employed are different. It’s supported the bank which has got to approve the request of the applicant regarding the credit. There are two categories of applicants:

  1. Salaried
  2. Self-employed

There are various eligibility criteria for both applicants:

Salaried Applicants

  1. Minimum age requirements of individuals should be 21 years and maximum up to 60 years.
  2. The applicants must have the work experience of the three years. And the salary should be received in their accounts only.
  3. The applicants must have a superb credit history.
  4. The job location of the applicant should be mentioned.

Self-Employed Applicants

  1. The minimum age requirement for an independent person should be 25 years.
  2. The applicants applying for the personal loan should file ITR for the last three years.
  3. The whole documentation process of the loan is that the applicants must submit his financial and his financial statement of the previous three months.
  4. If the applicants are the businessman, then the business should be running from the past three years.
  5. The credit score of the individual applicants should be good .there should not be any debt or dues left.
  6. The annual income of the applicants should be a minimum of Rs 2.5 lakh.

Why Apply for Personal Loan Thiruvottiyur?

  1. No Securities: The securities for these loans don’t seem to be required. The Personal Loan Thiruvottiyur is supported by the monthly or annual income of the applicants.
  2. Interest Rates: These loans have a competitive rate of interest. Some banks offer 7.35% interest rates on loans during this category.
  3. Tenure: The period of those loans will be extended to five years. There are a number of the exceptions too.
  4. Quick Processing: The loans are processed in no time after the verification of the documents.
  5. EasyInstallments: the applicant will choose the amount and amount of the instalments for this loan per his affordability.
  6. Minimum Documentation: The documents needed by the banks to avail of those loans are necessary documents.
  7. Credit Score: a number of the applicants apply for these loans to enhance their credit score.

How to apply for Personal Loan Thiruvottiyur?

Applying for a Personal Loan Thiruvottiyur is simple with DialaBank. Get an instant personal loan on applying online with DialaBank. Just follow the steps below to enjoy a hassle-free experience:

  1. Visit our website Dialabank
  2. Go to the loan section and click on on the personal loan link.
  3. The applicant is going to be required to fill all told the small print of themselves.
  4. Click for the asking a quote, and our relationship manager will soon get in-tuned with you.
  5. For more information and free guidance, you’ll invoke 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Thiruvottiyur

Every Bank and NBFC charges two forms of fee for on loan application.

  1. The processing fee charges are mandatory for each ban/NBFC. The Personal Loan Thiruvottiyur processing fee 1% of the sanctioned loan amount.
  2. The other is pre-closure charges which are applicable just in case you would like to foreclose your loan before the agreed loan tenure. In most cases, you can’t close your loan before 12 months. Post that the fees vary looking at what percentage years the loan has done. These charges vary from 4% of the outstanding loan amount within the 2nd year to twenty-eight within the 4th year of the loan.

Personal Loan Thiruvottiyur EMI Calculator

Equated Monthly Installments also know as EMI is the monthly fixed amount that the customer or applicant has to pay to the bank as the loan amount. The applicant is the borrower in such cases, and the bank is the lender. EMI varies according to your loan amount and tenure. You can find the Personal loan EMI calculator on DialaBank’s website.

CIBIL Score required for Personal Loan Thiruvottiyur

CIBIL Score is that the history of your payments that you just have wiped out the past. The CIR (Credit Information Report) is that the history of your credit score which checks your account’s history for various loans that you just have taken (if any) and therefore the MasterCard history (if you have).

  1. Mostly a CIBIL score of 750 and above is taken into account good while applying for a loan.
  2. The better the CIBIL score, the better it becomes to avail the loan.

personal loan at 10.75%*

Personal Loan in Thiruvottiyur Agent and Contact Number

Dialabank is related to various banks and NBFCs in Thiruvottiyur that provide personal loans at low-interest rates. Thus, DialaBank is the leading agent for availing Personal Loan Thiruvottiyur. You’ll also apply online at Dialabank or give a call at 9878981166.

  1. We do not charge any extra fees from our customers.
  2. We are always ready to help our applicants and are available 24/7.
  3. The approval process is time-saving if you apply through DialaBank.
  4. The Loan gets disbursed within 24 hours.
  5. Our experts will assist you, and our relationship managers will provide guidance.

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

Pre Calculated EMI Table for Personal Loan Thiruvottiyur

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 Thiruvottiyur

Thiruvottiyur is the city located in the north Chennai administrated by the Greater Chennai Corporation. It is one of the oldest habitations of the sea, holds a diverse culture and residential population as a result of its large number of industrial units.

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