Personal Loan Varanasi

⋆ Interest Rate 9.99% ⋆

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      Table of Contents

      Personal Loan Varanasi

      Best Banks for Personal Loan in Varanasi

      Feature HDFC Bank ICICI 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 in Varanasi Features

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

      Personal Loan Varanasi is an unsecured loan that provides financial aid to the customers at affordable interest rates. To get a Personal Loan, the applicant needs to have a rigid and good source of income and has a good credit history.there is no restriction on the use of the personal loan amount. You can utilize this loan amount anywhere you want to do.

      Personal Loan in Varanasi 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 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 Required for Personal Loan in Varanasi

      Salaried Customers:

      1. Identity proof (Aadhaar 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: 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)
      2. PAN Card
      3. Aadhaar Card
      4. Residence Proof
      5. Two passport-sized photographs

      personal loan at 10.75%*

      Personal Loan in Varanasi Eligibility Criteria

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

      Salaried Applicants

      1. The minimum age requirements of the individual should be 21 years and a maximum up to 60 years.
      2. The applicants must have the work experience of the three years. And the salary should be collected in their accounts only.
      3. The applicants should have a good 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 should have the ITR files for the last three years.
      3. If the applicants are the businessmen, then the business must be running from the past three years.
      4. The credit score of the applicants should be good. There should not be any debt or dues behind.
      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 Varanasi?

      1. There is no requirement of any mortgage and collateral security to the bank.
      2. A personal loan is a multi-purpose offer loan. It can be used for all the problems related to money matters.
      3. The amount of personal loans depends upon the applicant’s income and capacity.
      4. Personal Loan does not require any guarantor.

      How to apply for Personal Loan in Varanasi?

      1. Visit www.dialabank.com.
      2. Go to the loan section and go to the personal loan link.
      3. The applicant will be directed to your personal loan details where you can pick your preferred city.
      4. For more information and assistance without any cost, you may call on 9878981166.

      personal loan at 10.75%*

      Processing Fees / Prepayment Charges on Personal Loan in Varanasi

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

      In case you choose to foreclose your loan before the agreed loan tenure, every lending institution charges a penal prepayment fee. In most cases, you can’t close your loan before 12 months. After that, the charges alter how many years the loan has done. These charges alter from 4% in the 2nd year to 2% in the 4th year of the loan amount.

      Personal Loan EMI Calculator Varanasi

      Equated Monthly Installments is called EMI that is the monthly fixed charges that you pay to the bank for the loan amount borrowed.  Based on your profile, the interest rate on your loan is settled. Your EMI can be calculated using personal loan EMI calculator on the basis of the Interest Rate you are 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 Varanasi

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

      The institutions look after the CIBIL score and the detailed behavior on the previous loans taken as well. This includes details on the type of loan taken and the loan amount borrowed. Any delayed payments for previous loans can act as a hurdle to your availing a fresh loan.

      personal loan at 10.75%*

      Personal Loan Varanasi Agents/Broker

      Dialabank is the leading agent for availing Personal Loan in Varanasi. You must apply online at www.dialabank.com or call at 9878981166

      Dialabank assists you to find the best option of Banks and NBFCs by offering you with a detailed market comparison of different banks so that you can make the right choice. Visit our website www.dialabank.com and fill a simple form using your personal and employment details. Our customer relationship managers will soon get in touch with you.

      Personal Loan Varanasi Contact Number

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

      Pre Calculated EMI Table for Personal Loan Varanasi

      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 Varanasi

      Varanasi is located in the northern Indian state of Uttar Pradesh dating to the 11th century B.C. Regarded as the spiritual capital of India, the city draws out Hindu pilgrims who bathe in the Ganges River’s sacred waters and perform funeral rites. Alongside the city’s winding streets are some 2,000 temples, including Kashi Vishwanath, the “Golden Temple,” dedicated to the Hindu god Shiva.

      FAQs About Personal Loan Varanasi

      Who can apply for getting a Personal Loan in Varanasi?

      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 Varanasi.

      What is the tenure of Personal Loan in Varanasi?

      Most of the Banks and NBFCs offer a Personal Loan for a min duration of 1 Yr and a max duration of 5 Years. There are some Banks which enlarge the maximum duration to 7 Years also. The tenure is fixed and cannot be expanded. The repayment is done in equal monthly installments within the agreed tenure of the loan.

      Are there any other charges involved in Personal Loan Varanasi?

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

      Processing Fee: For every bank that you borrow from, there is a small fee that they charge from the consumer is known as Processing Fee. The loan amount of processing fee varies for each lending institution and from 1% and 2.5% of the loan amount.

      Pre-closure Charges: Whenever you wish to close a running loan before its agreed loan tenure period, the Banks and NBFCs charge an additional amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges vary on how many years has your loan completed before you decide to pre-close it.

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

      Since Personal Loan is a less secured loan, one of the most important criteria for availing a Personal Loan application approved is your CIBIL Score. Having a good CIBIL score becomes extremely important if you want to get a Personal Loan in the future. Make sure you don’t skip 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 happen due to a low CIBIL Score.

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