Personal Loan Vaishali

Major Personal Loan Providers in Vaishali

Feature	HDFC Bank	Private Bank	Bajaj Finance
Interest Rate	10.75% - 17%	11.25% - 18.5%	0.12
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 Vaishali Features

Are you in need of cash? Well, you do not have to worry. A personal loan is a type of loan that is convenient for you. This kind of loan is not only of an unsecured nature with very several documents needed with even lesser paperwork. This type of loan may be allowed in up to 48 hours to get approved following the process of confirmation.

Personal Loan Vaishali provides commercial aid assistance to all customers at an affordable as well as cost-effective interest charges. To get a Personal Loan, the candidate is required to have a similarly stronger and dependable source of income and also a justly good credit history profile.

Also, there exists no pronounced end-use restriction on the use of the personal loan amount. This loan sum can be used in whatever way needed.

In order to ask for a personal loan, Vaishali click on Personal Loan

Personal Loan Vaishali 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
Private 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	0.01	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 Vaishali

Salaried Customers:

1. Identity data(Aadhar card/driving license)
2. Statements for the wages of the past three months.
3. Bank comments for the last 6 months
4. PAN
5. Proof for House (Own/Rent/Company provided)
6. Passport-size photo- 2

*NOTE: If one lives in leased apartments, rent agreement needs to be attached.

Self-Employed Customers:

1. All financial statements are needed(Balance Sheet, P&L Statement as well as ITR files)
2. PAN Card
3. Aadhar
4. Residence Test
5. Passport-sized photos- 2

Eligibility Criteria for Personal Loan Vaishali

Click here to comprehend more about personal loan eligibility

Salaried Applicants

1. The base age of the applicant ought not to be under 21 years or over 60 years.
2. The candidate must have a working understanding of in any event three years. The installment ought to have been left in their records as it were.
3. The applicant should have an outstanding credit history.
4. The job location of the applicant should be mentioned.
5. The borrower must have the least income of at least INR 25,000 p.m.

Click here to know more further about a personal loan for- Salaried Applicant

Self-Employed Applicants

1. The age of an autonomous person applying should be at least 25 years.
2. The applicant petitioning for a personal loan should have been filing ITR for the past three years. In case the applicant is a businessman, then the business is required to be working well from the last 3 years.
3. The credit score of the candidate should be good and there must not be any money or any dues pending.
4. The yearly income of the candidate should be no less than Rs 2.5 lakh.
5. The entire document confirmation process for personal loan support requires the applicants to present their financial statements and their bank statement for the past three months.

Click hither to know more about the personal loan for– Self-employed Applicant

Why Apply for Personal Loan Vaishali?

1. There is no hard and fast rule for the requirement of depositing any contract or collateral as a security to the bank.
2. A personal loan is a kind of multidimensional investment, so it can be put to use for any kind of problem.
3. The amount of personal loans is only based on the repayment ability of the applicant.
4. A Personal Loan does not require any candidate or guarantor.

How to apply for Personal Loan Vaishali?

1. Visit this website: Dialabank.
2. Then, go to the loan region and go to the personal loan link. It will lead you to the detailed information of the personal loan where you can pick your center. For more messages and free administration, please call 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Vaishali

All Banks and NBFCs cost a certain fee to process a Personal Loan form. This payment varies between 1.5% to 2.5% of the approved loan amount.

If you wish to close your loan before the selected loan tenure, all lending companies will be encumbering you a penalty as a prepayment fee. Normally, you will not be obliged to close your loan before a duration of 12 months. Post that, the prices differ based on the number of years the loan has completed. This charge ranges from 4% of the remaining loan amount in the next year to 2% in the fourth year of the loan.

To understand the interest rate click on personal loan interest rate

Personal Loan Vaishali EMI Calculator

Equated Monthly Installments or EMI means a monthly fixed rate that you are needed to pay to the bank as regular repayment for the loan sum which is secured. According to your form, the rate of interest on your loan is fixed. The EMI on your loan is determined depending upon the Rate the bank charges you with and the loan sum you have to take and the period for which you take the loan.

CIBIL Score required for Personal Loan Vaishali

All the lending institutions have their own rules for a minimal CIBIL score that is needed to prepare a Personal Loan application in Vaishali. Mostly, the institutions need a minimum number of at least 750 to further process employment.

No institution only looks at the overall number. They also see an elaborated view of the previous loans. The details add the type of loans and the amount of money that was obtained. If there is any delay in the payments of the previous loans, it may prevent the approval of the present loan.

Personal Loan Vaishali Agents

Dialabank is one of the best means of availing Personal Loans in Vaishali. You can simply apply online at Dialabank or give a call at 9878981166

Dialabank assists you to look for the best option of Banks and NBFCs by giving you a way to an in-detail market-related analysis of various banks to help you pick the right one. Visit our website Dialabank and fill out a simple form with the items of personal and employment data. Our customer contact managers will be in touch with you shortly.

Personal Loan Vaishali Contact Number

Call 9878981166 and get timely support and support for Personal Loan in Vaishali.

Pre Calculated EMI Table for Personal Loan Vaishali

Bang here for a personal loan EMI calculator

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

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About Vaishali

Vaishali district is a district in Bihar, India. It is a part of the Tirhut division.

FAQs About Personal Loan Vaishali

Who can apply for a Personal Loan in Vaishali?

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

 What is the tenure of a Personal Loan in Vaishali?

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 that 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 Vaishali?

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

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 amount of processing fee varies for each lending institution and is normally between 1% and 2.5% of the loan amount.

Pre-closure Charges: If you want to close a running loan before its decided 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 been completed before you decide to pre-close it.

 Can my application for Personal Loan Vaishali get rejected due to my CIBIL score?

Personal Loan, being an unsecured loan, one of the most significant 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 don’t leave or delay any of your loan EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections occur because of a low CIBIL Score.