Personal Loan Vidisha

Major Personal Loan Providers in Vidisha

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 Vidisha Features

personal loan vidisha

Want money for personal reasons? Here is a personal loan available for you. A personal loan available in Vidisha at affordable interest rates. The documentation process is very simple. Also, the personal loan doesn’t take too much time to get approved, with proper paperwork the loan can get approved within 48 hours.

Visit Dialabank website, to get best loan options.

Personal Loan Vidisha 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

Personal Loan Vidisha Documents Required

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 (Balance Sheet, P&L Statement as well as ITR files)
  2. PAN Card
  3. Aadhar Card as identity proof
  4. Residence Proof and rental agreement in case of a rented apartment
  5. Two passport-sized photographs of the applicant

Personal Loan Vidisha Eligibility Criteria

Click here to know more about personal loan eligibility.

Salaried Applicants

  1. The minimum age requirements of the applicant should be 21 years and a maximum of 60 years.
  2. The applicants must have the work experience of the three years. The salary should be shown in their accounts.
  3. The applicants must a credit history suitable for a personal loan
  4. The job location of the applicant
  5.  minimum income should be INR 25,000 per month

Self-Employed Applicants

  1. The minimum age of the applicant should be 25 years.
  2. The ITR file for the last three years will be required.
  3. The business of the applicant should be running from the past three years.
  4. The CIBIL score should be up to the mark
  5. The annual income of the applicant should be at least 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.

Why Apply for Personal Loan Vidisha?

  • Personal Loan Vidisha is a multipurpose loan that can be used for any purpose according to the requirement.
  • There is no need to provide a cosigner to avail this loan.
  • The Loan is solely based upon the candidate’s income and repayment capability.
  • It requires minimal documentation as compared to the other loans offered in the market.

How to apply for Personal Loan Vidisha?

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 details. These details will be used by our team to shortlist loan offers suitable for you.
  • After you click on ‘Apply now’, we will mail you the list of offers we have selected. Then, we will call you to help you compare all of them.
  • Thus, the loan availing process is extremely easy and hassle-free with Dialabank.
  • If you have any queries, visit the nearest Dialabank branch or call us at 9878981166. Remember, we provide you with the most trustworthy service!

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Vidisha

These are two extra charges which banks might charge you on your loan.

A processing fee is a minimal charge taken by the banks and NBFCs to process your loan. The Personal Loan Vidisha processing fee is 1% of your outstanding loan amount.

A prepayment fee is charged by the banks if you want to prepay your loan i.e. pay it before the tenure ends. For this, banks charge a minimal fee which ranges from 2% to 4% of your outstanding loan amount.

When comparing loan offers, make sure you include both of these charges in your calculation to accurately know which offer you should go for.

To know about the interest rate click on personal loan interest rate

Personal Loan Vidisha EMI Calculator

A personal loan EMI calculator helps you calculate your monthly instalments for a loan beforehand so that you can plan your repayment accordingly. All ou have to do is enter your principal amount, interest rate, and your loan tenure in months.

CIBIL Score required for Personal Loan Vidisha

A CIBIL score refers to your repayment history and shows the banks whether you are a trustworthy borrower or not. The score measure goes as follows:

Below 550 – poor

550 to 700 – fair

700 to 750 – good

above 750 – excellent

While CIBIL score requirements might vary from bank to bank, most lenders would require you to have a score of 750 and above to lend you a personal loan.

In case you haven’t availed of a loan before, it does not mean your CIBIL score is 0. In this case, you can show the papers of any rented property under your name such as an apartment to show that you are regular in your payments.

personal loan at 10.75%*

Personal Loan Vidisha Contact Number

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

Pre Calculated EMI Table for Personal Loan Vidisha

Click here for 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

About Vidisha

Vidisha is a city in Madhya Pradesh state in India. It serves as the administrative headquarters of Vidisha District. It was previously known as Bhilsa during the medieval period.