Personal Loan Ulhasnagar

⋆ 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 Ulhasnagar

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 Ulhasnagar Features  personal loan ulhasnagar

Are you running short out of cash? Do not worry. Personal Loan is available for you. This loan is unsecured in nature with minimal documentation and less paperwork. This loan will get approved within 48 hours after the verification process.

Personal Loan Ulhasnagar is an unsecured loan that offers financial assistance to the customers at affordable interest rates. For getting a Personal Loan, the applicant requires to have a rigid and good source of income and has a good credit history.

Furthermore, there is no end-use restriction on the utilization of the personal loan amount. You can use this loan amount anywhere you need to do.

Personal Loan in Ulhasnagar 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 in Ulhasnagar

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

*NOTE: If you live in 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 Ulhasnagar Eligibility Criteria

The eligibility criteria for both Salaried and Self-Employed for a personal loan in Ulhasnagar are different:

Salaried Applicants

  1. The minimum age requirements of the individual 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 an excellent credit history.
  4. The job location of the applicant should be mentioned.
  5.  A borrower should have a minimum income of INR 25,000 per month

Click here to know more about- Salaried Applicant

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. If the applicants are the businessman, then the business should be running from the past three years.
  4. The credit score of the individual applicants should be good .there should not be any debt or dues left.
  5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
  6. The whole documentation process of the personal loan is the applicants have to submit his financial and his bank statement of the previous three months.

Click here to know more – Self-employed Applicant

Why Apply for Personal Loan in Ulhasnagar?

  1. There is no need to deposit any mortgage to the bank.
  2. A personal loan is a multi-purpose offer loan. It can be used for all the problems related to money.
  3. The amount of personal loan is dependent on the repayment of individual income and capacity.
  4. A Personal Loan does not require any guarantor or nominee.

How to apply for Personal Loan in Ulhasnagar?

  1. Visit Dialabank
  2. Visit the loan section and click on the personal loan link.
  3. The applicant will be directed to all details of the personal loan where they can pick their preferred city.
  4. For more information and guidance without any charge, you may call on 9878981166.

personal loan at 10.75%*

Processing Fees/Prepayment Charges on Personal Loan in Ulhasnagar

Every Bank and NBFC charges a processing fee for your Personal Loan application. The Personal Loan Ulhasnagar processing fee 1% of the sanctioned loan amount.

If you wish to foreclose your loan before the agreed loan tenure, then every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. After that, the charges are dependent on how many years the loan has done. These charges vary from 4% in the 2nd year to 2% in the 4th year of the outstanding loan amount.

Personal Loan EMI Calculator Ulhasnagar

Equated Monthly Installments also called EMI, is the monthly fixed charges that you have to pay to the bank as repayment for the loan amount borrowed. Based on your depiction, the interest rate on your loan is decided. Your EMI is calculated basis the Interest Rate that charged by the bank and the amount of loan you have to take and the period for which you enjoy the loan.

CIBIL Score required for Personal Loan Ulhasnagar

Every lending institution has its own standard for the minimum CIBIL score required for processing a Personal Loan application in Ulhasnagar. Most institutions need a minimum score of 750 to process your loan application.

The institutions also look for the detailed behaviour on the previous loans taken. This includes details on the type of loan taken and the amount borrowed. Any late payments for previous loans can act as a barrier to your availing a fresh loan.

personal loan at 10.75%*

Personal Loan Ulhasnagar Agents/Broker

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

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 form with your personal and employment details. Our relationship managers will call you.

Personal Loan Ulhasnagar Contact Number

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

Pre Calculated EMI Table for Personal Loan Ulhasnagar

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 Ulhasnagar

Ulhasnagar is a city situated in Thane District. It is taken into consideration the part of the Mumbai Metropolitan Region. It is located about 55 km from Chhatrapati Shivaji Maharaj Terminus railway station.

FAQs About Personal Loan Ulhasnagar

Who can apply for a Personal Loan in Ulhasnagar?

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

What is the tenure of Personal Loan in Ulhasnagar?

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 Ulhasnagar?

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

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 in Ulhasnagar processing fee is 1% of the 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 Ulhasnagar 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 pay your loan EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan refusals happen due to a low CIBIL Score.

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