Personal Loan Udhampur

A Complete Guide for Personal Loan Udhampur

Bajaj Finance
Interest Rate
10.75% - 17%
11.25% - 18.5%
Min Loan Amt
Metro : 75000 & Non Metro: 50000
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
Overdraft Facility

Personal Loan Udhampur

Personal Loan Udhampur

Citizens are opting for credit solutions in terms of loans and other financial products to resolve financial problems and meet personal requirements. A personal loan is one of those financial products which has come to rescue an adult.

Personal Loan Udhampur is an unsecured loan that provides customers with financial aid at affordable interest rates. The borrower wants a stable and reliable source of income to secure a Personal Loan and requires a strong financial background.

Additionally, there is no end-use restriction on the usage of the personal loan amount. You will use this sum of loan anywhere you want to.

A Dialabank Personal Loan lets you fulfill your diverse financial needs; you can take advantage of loans up to Rs 20 lakh and satisfy the specific need that you rise at any point in your life. The method of rapid clearance ensures you have an awareness of investing quickly.

Furthermore, with our instant online Personal Loan facilities, you will get the funds within 3 seconds. You can quickly secure a personal loan at an interest rate of 10.75 percent to 32 percent in Udhampur, although that depends on several variables.

Features of Personal Loan Udhampur 

Personal loans Udhampur has an immediate clearance mechanism with loans being approved as early as within 24-48 hours of submission of the loan application.

    1. No end-use limitation: – The first and most significant advantage of personal loans is that it may be used for whatever reason, unlike a home loan. No limitations are placed on the end-use of personal loans. You have some urgent financing requirements; personal loans may be one of the fastest ways to get cash.
    2. Fast disbursement: – You will get a personal loan in 72 hours if you follow the qualifying conditions and you have a decent credit score. Some of the banks have the facility for current customers to accept personal loans online.
    3. Flexibility in choosing tenure: – Loan tenure is up to 7 years so you have the flexibility to choose a tenure that suits you best. A longer period means lower EMI and vice versa. Then, after measuring the EMI, you should determine which tenure you should consider. To measure the EMI using our EMI Converter.
    4. Set interest rate:-Personal loan is typically accessible at a fixed interest rate. Therefore the annual payments equated would stay unchanged for the entire term of the loan. So you don’t need to worry about the changes in interest rates.
    5. Tax benefit: – If you use the personal loan for construction, renovating the house, or make down payment for the home, you will use the tax deduction of up to Rs 2 lakh for the interesting portion of a financial year under Section 24B. But note, you’ll have to have adequate paperwork to show that the money was just used for that reason.

Personal Loan Udhampur Interest Rates

Personal Loan Interest Rate

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%
ICICI Bank Personal Loan
0.25% to 1.50%
2%, Nil foreclosure charges after 9 months
SBI Personal Loan
500/- to 0.50%
Kotak Personal Loan
1% to 2%
2.25% of fore closure amount if closed 1 month ahead of the tenure.
IIFL Personal Loan
Muthoot Personal Loan
Manappauram Personal Loan
PNB Personal Loan
0.70% to 1%
Canara Bank Personal Loan
Andhra Bank Personal Loan

To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates

Documents Required for Personal Loan Udhampur

Salaried Customers:

  1. Identity proof such as Aadhar card/driving license.
  2. last three-month salary slips.
  3. Bank statements for the last 6 months.
  4. PAN Card.
  5. Residence Proof (Owned/Rented/Company provided), and rental agreement in case of rented apartments.
  6. 2 Passport-sized photographs of the applicant.

Self-Employed Customers:

  1. All financials are required (ITR documents with Balance Sheet and P&L Statement).
  2. PAN Card.
  3. Aadhar Card as identity proof.
  4. Residence Proof or rental agreement in case of a rented apartment.
  5. Two passport-sized photographs of the applicant.

personal loan at 10.75%*

Personal Loan Udhampur Eligibility Criteria

The eligibility criteria are specific for both salaried and self-employed workers.

Click here to know more about personal loan eligibility

Eligibility Criteria for Personal Loan Udhampur:

Salaried Applicants

  1. Minimum required age of applicant: 21 years.
    Applicant ‘s maximum age when the loan matures: 60 years.
  2. Average jobs: Average 1 year of work and a 1-month pay allowance in the existing organization.
  3. The applicants must a credit history suitable for a personal loan.
  4. The job location of the applicant.
  5. Gross Monthly Income Required: ₹20,000 for Metro Locations (Ahmedabad, Bangalore, Chennai, Delhi, Hyderabad, Kolkata, Mumbai & Pune) & ₹15,000 for All Other Locations.

Click here to know more about- Salaried Applicant

Self-employed Applicants

  1. Eligibility Age Criteria:
    Required Minimum age of Applicant: 22 years.
    The average age of Candidate at loan maturity: 65 years.
  2. Years of business: Minimum 4 years.
  3. The ITR file for the last three years will be required.
  4. The business of the applicant should be running from the past three years.
  5. The CIBIL score should be up to the mark
  6. The annual income of the applicant should be at least Rs 2.5 lakh.
  7. The whole personal loan reporting phase is where the borrowers have to apply their accounting records and their bank accounts from the past three months.

Click here to know more – Self-employed Applicant

Why Apply for Personal Loan Udhampur?

  • Loan balance due in the same annual installments over a period negotiated.
  • Based on the form of a loan, interest may be flat or that.
  • Provide set terms that specify the number, processing costs, interest, tenure, and EMI in advance.
  • Personal Loan Udhampur is a multi-purpose offer that can be used for almost all financial problems of life, including debt consolidation.
  • The Loan amount depends upon the income and repayment capability of the applicant.

How to apply for Personal Loan Udhampur?

To apply for the best personal loan deals:

  • Visit Dialabank and click on the personal loan option on the menu of the homepage.
  • You will be directed to a page wherein you will have to fill in all your personal as well as professional details, along with your phone number.
  • After you click on ‘Apply now’, wait for a while. In a short period, you will receive mail threads from various banks and NBFCs willing to lend ou a personal loan
  • Our experts will give you a call and assist you in choosing the best deal for you.
  • In case of any queries, call us at 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Udhampur

The interest rates in Personal Loan depend on the profile and salary of an individual in the business.

The base rate starts at 9.99 percent. The extra costs refer to whatever conditions are relevant. Interest rate according to the level of credit. The following factors can affect the interest rates and the bank charges:

  1. Credit / CIBIL Ranking: A strong ranking of CIBIL may be an advantage for reducing interest rates and other costs.
  2. Average Loan Score: 640-700.
  3. Company Profile: The well-reputed firms and staff of government agencies will profit from the variance of many of the charges.
  4. Bank Consumer Relationships: Being a client before the partnership with the banks will be an advantage to reduce the costs and charges.
To know about the interest rate click on personal loan interest rate

Personal Loan Udhampur EMI Calculator

CIBIL Score required for Personal Loan Udhampur

Every lending institution has its criteria for the minimum CIBIL score required for processing a Personal Loan application in Udhampur. Most institutions need a minimum score of 700 to process your application for a loan.

The institutions are not only looking at the overall score but also the detailed behavior of previous loans. It provides information about the form of loan obtained and the amount lent. Any outstanding payments for prior loans will serve as a deterrent to making a fresh loan open to you.

personal loan at 10.75%*

Personal Loan Udhampur Contact Number

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

Pre Calculated EMI Table for Personal Loan Udhampur

Click here for personal loan EMI calculator

5 Yrs
4 Yrs
3 Yrs

About Udhampur

The second-largest city inside the state of Jammu and Kashmir province. Udhampur is a rich green region filled with trees of eucalyptus. This city is the district capital of the Udhampur district and is a strategically significant city for India because it sits next to the frontier with Pakistan and therefore the headquarters of the Northern Command for the Indian Army is located from there.

The Forward Base Support Unit, an arm of the Indian Air Force, is also based here that works from the Udhampur Air Force Station to assist the troops.

But Udhampur still has plenty of places to discover in and around the area. The Kiramchi temples on the Udhampur-Jammu highway, along with other temples in the area such as the Chountra Devi, Babore Temples, Pingla Devi, and heritage sites such as Ramnagar Fort, Sheesh Mahal, and many others, are a special attraction in Udhampur.

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