Personal Loan Wada

⋆ Interest Rate 9.99% ⋆

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      Rates as low as 9.99%*
      Loans Up to 30 Lacs
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      Table of Contents

      Personal Loan Wada

      Best Banks for Personal Loan in Wada

      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 Wada Features

      Facing a financial crunch or want to plan a vacation abroad or even want to systematically pool all of your debts into one?

      A Personal Loan can cover every bit of your problems and can help you achieve your future dreams. Personal loan Wada

      If we talk about a Personal Loan Wada – It is a sum of funds which is offered by the banks and the NBFCs with a very affordable EMIs and low rate of interest, helping you to resolve any financial crunch you are facing. This loan type is unsecured and is with minimal documentation and paperwork. With the proper paperwork and verification process, you can get a loan approval within 48 hours.

      While all other loans are specific, like a car loan for a car and a home loan for any property, a personal loan has no end-use restrictions. Meaning you can use the loan the way you like. For example, paying bills, funding a vacation, a wedding, etc.

      A full detailed eligibility and documentation criteria are listed below that you have to follow for a personal loan.

      Personal Loan Wada 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 Wada

      Salaried Customers: (i.e. if the applicant has a fixed salary as a source of income)

      1. Identity proof (Aadhar card/driving license)
      2. Salary slips of the last three months.
      3. Bank statements for the last 6 months.
      4. PAN Card.
      5. Residence Proof (Owned/Rented apartment (rent agreement needs to be attached)/Company provided)
      6. Two Passport-sized photographs.

      Self-Employed Customers: (i.e. if the applicant is a sole proprietor)

      1. All financials books are required (Balance Sheet, P&L Statement as well as ITR files)
      2. Residence Proof (and rental agreement, if required)
      3. Two passport-sized photographs
      4. PAN Card
      5. Aadhar Card

      personal loan at 10.75%*

      Personal Loan Wada Eligibility Criteria

      Salaried Applicants (i.e. if the applicant has a fixed salary as a source of income)

      1. The applicant should be between the age group of  (minimum) 21 to 60 (maximum).
      2. The applicants must have the work experience of the three years and the salary should be a direct deposit 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

      Self-Employed Applicants (i.e. if the applicant is a sole proprietor)

      1. The applicant should be between the age group of  (minimum) 25 to 60 (maximum).
      2. The applicant should file ITR for the last three years.
      3. If the applicant is a businessman, then the business should be up and running from the past three years.
      4. The applicants must have an excellent credit history*.
      5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
      6. The applicants must submit financial and bank statements for the previous three months.

      *Please Note: A good CIBIL score is a must before applying for a loan. It is basically a foundation for your loan, for this reason, every lending institution has its own guided criteria for the minimum required CIBIL score for processing a Loan application in Wada. Generally, most of the institutions require a minimum CIBIL score of 750 to process your loan application without any failure.

      It is not just your CIBIL score, many institutions also look at the detailed behavior on the previous loans taken by you, including details on the type of loan and the loan amount, payment schedules and if all deadlines are met while repayment. Making sure your CIBIL score is good before applying for a loan is a good practice.

      Click here to know more about personal loan eligibility

      Personal Loan Wada Agent and Contact Number

      One of the leading and most trusted Personal Loan Wada agent is Dialabank. You can apply online at Dialabank or give a call at +919878981166

      Dialabank works as a bridge to find the best option between several Banks and NBFCs by providing you with a detailed and structured market comparison of different banks. This eliminates the unnecessary worries about the complex information and process you have to go through. So, you can make the right choice. Visit our website Dialabank to fill a simple form for more details and our customer relationship managers will soon get in touch with you.

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