Rajasthan Marudhara Gramin Bank Personal Loan Key Features Apr 26 2024
| Eligibility Criteria | Details |
| Age | 21-58 years |
| CIBIL | 750 and above |
| Rajasthan Marudhara Gramin Bank Personal Loan Interest Rate | 9.99% per annum |
| Lowest EMI per lakh | Rs. 926.35 |
| Tenure | 12 to 60 months |
| Rajasthan Marudhara Gramin Bank Personal Loan Processing Fee | 1% to 2% |
| Prepayment Charges | nil |
| Part Payment Charges | nil |
| Minimum Loan Amount | Rs. 50,000/- |
| Maximum Loan Amount | Rs. 25 lakhs |
Rajasthan Marudhara Gramin Bank Personal Loan Eligibility Criteria
Eligibility criteria for a personal loan:
| CIBIL score | 750 and above |
| Age | 21-58 years |
| Min Income | Rs. 25,000/- |
| Occupation | salaried/self-employed |
Rajasthan Marudhara Gramin Bank Personal Loan Documents Required
Documents required to Get Personal Loan
| Form | Duly filled application form |
| Proof of Identity | Passport copy, driving license, Aadhar Card, and voter ID card |
| Proof of Address | Rental agreement (of minimum 1 year of stay), utility bills, passport (to show permanent residence address), and ration card |
| Proof of Income | Income tax return with the last two assessment years, a salary slip of the last 6 months, and the bank statement of the last 3 months |
Rajasthan Marudhara Gramin Bank Personal Loan EMI Calculator
Rajasthan Marudhara Gramin Bank Personal Loan Compared to Other Banks
| Particulars | Rajasthan Marudhara Gramin bank | HDFC Bank | Bajaj Finserv | Axis Bank | Citibank | Private Bank |
| Interest Rate | 9.99% | 11.25% to 21.50% | Starting from 12.99% | 15.75% to 24% | Starting from 10.99% | 11.50% to 19.25% |
| Tenure | 12 to 60 months | 12 to 60 months | 12 to 60 months | 12 to 60 months | 12 to 60 months | 12 to 60 months |
| Loan amount | Up to Rs. 25 lakhs | Up to Rs. 40 lakh | Up to Rs. 25 lakh | Rs. 50,000 to Rs. 15 lakh | Up to Rs. 30 lakh | Up to Rs. 20 lakh |
| Processing Fee | Depends on the bank’s decision from time to time | Up to 2.50% of the loan amount | Up to 3.99% of the loan amount | Up to 2% of the loan amount | Up to 3% of the loan amount | Up to 2.25% of the loan amount |
Other Loan Products from Rajasthan Marudhara Gramin Bank
- Kisan Credit card
- ATL under KCC
- Kisan Samridhi Yojana
- Vehicle loan for farmers
- KCC with Dairy development scheme
- Mortgage loan (against immovable property)
Why should you apply for Rajasthan Marudhara Gramin Bank Personal Loan with Dialabank?
Dialabank helps you in selecting the best option of banks by offering you the updated market contrast of other banks so that you can make the right choice. At Dialabank we have already guided thousands of borrowers to take the loan that they want without any hassle and look forward to continuing to doing so.
Apply today to get special deals and discounts on Rajasthan Marudhara Gramin Bank personal loans.
You can contact us on 9878981166 to get a Rajasthan Marudhara Gramin Bank personal loan.
How to Calculate EMIs for Rajasthan Marudhara Gramin Bank Personal Loan
These are the information that will be needed to calculate your Rajasthan Marudhara Gramin Bank Personal loan EMI: the amount of the loan borrowed, the rate of interest, and the time period of the loan.
Put these values in the calculator below and find your monthly EMIs
Personal Loan EMI Calculator online
Rajasthan Marudhara Gramin Bank Personal Loan Processing Time
Processing time would tell you how long it would take to process an application under normal situations. It usually starts on the day we receive the application from the bank and ends when we make the decision regarding what loan we want and the amount to get credited.
Rajasthan Marudhara Gramin Bank Personal Loan Preclosure charges
The charges on the pre-closure of the personal loan depend on the decision taken by the bank from time to time.
Rajasthan Marudhara Gramin Bank personal loan Overdraft Facility
An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can in like manner reimburse the got out totally at whatever point the condition is ideal. From this time forward, it is conceivably the most favoured credit choices that benefitted to meet changing individual supporting necessities unbounded.
Apply for an overdraft office as a Rajasthan Marudhara Gramin Bank for an unforeseen new development. The adaptable improvement office has all the gigantic highlights of a slight overdraft credit.
Pre Calculated EMI for Personal Loan
Different Personal Loan offers by Rajasthan Marudhara Gramin Bank
Rajasthan Marudhara Gramin Bank Personal Loan Balance Transfer
A personal loan balance transfer is a process in which the applicant moves the outstanding principal of the personal loan from one lender to another to benefit from better terms such as a collective interest rate on the outstanding loans.
Rajasthan Marudhara Gramin Bank Personal Loan Top Up
The top-up loan is only given to customers who already have an existing relationship/account with the bank, the eligibility criteria are quite basic for the top-up plan. A customer who has taken a loan from the bank, irrespective of the type of loan is taken, is eligible for a top-up loan.
Types of Rajasthan Marudhara Gramin Bank Personal Loan
Home renovation loan
Rajasthan Marudhara Gramin Bank provides individuals who plan to renovate their homes with a home improvement loan. This personal loan can fund critical repairs or allow the borrower to purchase new furniture, fixtures, and furniture for the house. Four of the Rajasthan Marudhara Gramin Bank Home Renovation Loan’s major features are:
- The Home Renovation Loan of Rajasthan Marudhara Gramin Bank’s interest rate starts at as low as 11.25%.
- Individuals will be liable to renew their homes with a loan of up to Rs. 20 Lakh.
- Rajasthan Marudhara Gramin Bank’s home improvement loan needs minimum paperwork to free up the whole credit process.
- Usually, within 72 hours after the bank accepts the applications, the loan balance will be credited to the account.
Holiday loan
The holiday loan from Rajasthan Marudhara Gramin Bank will help you budget for your dream vacation with limited difficulties. Several holiday-related expenses will be funded by this personal loan from Rajasthan Marudhara Gramin Bank, including the booking of flight fares, hotel accommodation, guided tours, etc. The Rajasthan Marudhara Gramin Bank Holiday Loan’s key features are:
- Interest rates on holiday loans starting at 11.25 percent p.a.
- You should use up to Rs 20 Lakh easily so that a financial crunch would not spoil your perfect vacation
- Simplified and limited paperwork means fast and easy funding for your holiday.
- Quick processing of the loan directly credited to your account and disbursement
Fresher funding
Most unsecured personal loans are meant for individuals with a daily income, while the Fresher Funding of Rajasthan Marudhara Gramin Bank is distinct. The loan option provided by Rajasthan Marudhara Gramin Bank is intended to help refreshers, i.e. recent graduates searching for their first job.
Few of Rajasthan Marudhara Gramin Bank Fresher Personal Loan Funding’s main features are as follows:
- Up to Rs 1.5 lakh loan
- A candidate must be 21 years of age or older.
- The interest rate for Fresher Funding depends on the applicant’s profile, credit history/score, applicant’s age, and place.
NRI Personal Loan
Knowing the wishes and desires of NRIs, Rajasthan Marudhara Gramin Bank provides NRIs directly with a personal loan. An Indian resident must be the main loan borrower, and a close relative must be the NRI co-applicant. The Personal Loan includes the following features for NRIs:
- Rajasthan Marudhara Gramin Bank offers NRIs with adjustable end-use personal loans of up to Rs. 10 lakh.
- NRI Personal Loan interest rates launch at 15.49 percent p.a.
- Up to 36 months is the term of the loan.
Rajasthan Marudhara Gramin Bank Personal Loan Status
You can monitor the status of your Rajasthan Marudhara Bank personal loan by the following measures:
- You could also visit the nearest loan branch and ask the bankers also for the same.
- Log In to the bank’s net banking portal, click on the loans from the top icon and click on enquire to check the status of your personal loan.
- Search for ‘personal loan status’ on google, click on the first link which will direct you to the loan status tracker webpage of Rajasthan Marudhara Bank, and fill in the required information to monitor the status of your loan.
How to Apply for Rajasthan Marudhara Gramin Bank Personal Loan?
The process to apply for a personal loan is very easy; all you would have to do is :
- Visit our website and fill in the application form.
- You will be contacted by us.
- Our experts will then guide you through the entire procedure and tell you about the details of the loan.
The Personal Loan Verification Process
Following the online submission of your loan application to Dialabank, the following are the principal stages of the personal loan authentication process.
Stage 1. Dialabank will forward to your chosen lender your loan application, and you will usually get a call from the representative of the lender within 48 hours.
Stage 2. The possible lender can arrange for your KYC documents, salaries, etc. to be collected or provide an opportunity to upload them online. To confirm your submission, these documents will be used.
Stage 3. You will get another call to confirm the loan bid and seek your permission for disbursement if the lender’s verification has been fulfilled and your loan has been approved.
Stage 4. The loan is normally disbursed within 48 hours of the loan’s acceptance and adequate verification.
Note: The timeframe for verification/disbursement of personal loans, as stated above, can vary based on the internal criteria of the lender, as well as other parameters.
Check your Rajasthan Marudhara Gramin Bank Personal Loan Application Status
The process for checking your application’s status requires the following steps:
- Visit the official website of Rajasthan Marudhara Gramin Bank, click on ‘Products’, and select ‘Personal Loans.’
- Click ‘More and choose’ Review Loan Application Status.’ on the next tab that opens below.
- Firstly, by submitting details such as your contact number, date of birth, and either entering the OTP you get on your mobile number or using your application number, you can check your application status.
How to login to the Rajasthan Marudhara Gramin Bank portal
- Visit the Official Website of Rajasthan Marudhara Gramin Bank.
- In the upper right corner of the screen, press the ‘Login’ button.
- Using your user ID and password or your registered cell phone number to log in.
How to Check Your Loan Statement
By taking the following steps, customers can download the bank’s loan statement:
- Visit the official website of the bank.
- Tap ‘Get in touch’ and click ‘Requests for help’ from the drop-down column.
- On the next page that opens, pick ‘Personal Loan Related’ under the ‘Loans’ menu.
- Next, press the ‘Loan Account Statement Order’ button.
- To make use of the bank’s loan statement, log in using your user ID and password or using your registered cell phone number and OTP.
Rajasthan Marudhara Gramin Bank Personal Loan Restructuring (COVID-19)
Many borrowers have been adversely affected by the national lockout due to the COVID-19 pandemic, and a six-month moratorium on various term loans has been declared to some degree to minimize its impact. Rajasthan Marudhara Gramin Bank announced an RBI-mandated one-time gain from the Rajasthan Marudhara Gramin Bank loan restructuring after the six-month moratorium was terminated.
This mechanism aims at providing continued relief to borrowers who are still unable to repay their daily EMI due to the ongoing financial distress of the pandemic.
To minimize the monthly EMI payments, the loan settlement scheme implemented by Rajasthan Marudhara Gramin Bank provides for an extended moratorium of up to 2 years or an extension of the current period of maturity.
It is necessary to bear in mind, of course, that the restructuring of the loan by Bajaj Finance employees would result in additional interest rates exceeding those applicable to the initial loan. Using this relief method only as a last resort is also necessary so that the unpaid loan does not end up defaulting.
Rajasthan Marudhara Gramin Bank Customer Care
Customers can approach Rajasthan Marudhara Gramin Bank’s Customer Support via any of the following means:
By phone: You can call Rajasthan Marudhara Gramin Bank on 291 259 3100 (toll-free).
Callback order: You can also make a return call by accessing the bank’s website.
Online Chatbot: You can even have an apple Chatbot online to answer your questions.
Visit Branch: To obtain your requests, visit the nearest Rajasthan Marudhara Gramin Bank branch.
Benefits of Applying for Personal Loan on Dialabank
On the Dialabank website, there are many drawbacks to applying for a personal loan. Below, some of these are given:
- 24 x 7 Accessibility: You can reach the Dialabank website anywhere, wherever and even apply at any time for a personal loan from the comfort of your home or office.
- Multiple lenders on a single platform: Dialabank helps you to view personal loan offers on a single platform from multiple prospective lenders, avoiding the need to visit multiple bank websites or branches.
- Know EMI instantly: On the Dialabank website, use the personal loan EMI calculator, and you can check the EMIs that you are going to pay for on a personal loan right before applying for one. It can allow you to borrow the amount you need, which you will repay easily and have a stable payment schedule.
- Free of charge: Besides, when applying for a personal loan on Dialabank, you are not required to incur any fees.
Important Aspects
Below are some important items you need to note when applying to Rajasthan Marudhara Gramin Bank for a personal loan:
- It is still a smart thing to review your credit report before applying for a personal loan. A decent credit score increases the chances of accepting the loan and will make it possible for you to use a personal loan in more desirable conditions.
- It is advisable to compare the expense of a personal loan (interest rates and all associated charges) issued by various lenders on DialaBank.com before finalizing on a particular lender.
- As per your wishes and ability to repay, borrow. Avoid borrowing only because you have the right to borrow a bigger amount. It will just add to the interest rate and will have no long-term advantages.
- Avoid applying for individual loans concurrently with many lenders. It reveals that you are credit-hungry and therefore increases the amount of demanding credit report requests that can negatively impact your credit score.
FAQs About Rajasthan Marudhara Gramin Bank Personal Loan
✅ How to apply for Rajasthan Marudhara Gramin Bank Personal Loan?
There are two ways to apply for a personal loan from Rajasthan Marudhara Gramin Bank. First, apply for a personal loan with Rajasthan Marudhara Gramin Bank by visiting the nearest branch of Rajasthan Marudhara Gramin Bank.
The second is to submit a simple form with Dialabank. With Dialabank, you will get the benefit to apply from anywhere and get quick online approval.
✅ What is the Interest Rate for Rajasthan Marudhara Gramin Bank Personal Loan?
The interest rate starts at 9.99% for the personal loan from Rajasthan Marudhara Gramin Bank.
✅ What is the minimum age for getting a Personal Loan from Rajasthan Marudhara Gramin Bank?
The minimum age requirement for availing of a personal loan from Rajasthan Marudhara Gramin Bank is 21 years.
✅ What is the maximum age for getting a Personal Loan from Rajasthan Marudhara Gramin Bank?
The maximum age for availing of a personal loan from Rajasthan Marudhara Gramin Bank is 58 years.
✅ What is the minimum loan amount for Rajasthan Marudhara Gramin Bank Personal Loan?
You can avail of a minimum loan amount of Rs. 50,000 for a personal loan from Rajasthan Marudhara Gramin Bank.
✅ What is the maximum loan amount for Rajasthan Marudhara Gramin Bank Personal Loan?
You can take a maximum loan amount of Rs. 25 lakhs from Rajasthan Marudhara Gramin Bank under the personal loan scheme.
✅ What are the documents required for Rajasthan Marudhara Gramin Bank Personal Loan?
Aadhaar card, Voter ID, PAN card, salary slips of the last six months, the ITR of the last two financial years, and two recently clicked photographs are the documents required for a personal loan from Rajasthan Marudhara Gramin Bank.
✅ What is the Processing Fee for Rajasthan Marudhara Gramin Bank Personal Loan?
The processing fee is 1% to 2% for a personal loan from Rajasthan Marudhara Gramin Bank.
✅ How to get Rajasthan Marudhara Gramin Bank Personal Loan for Self Employed?
Rajasthan Marudhara Gramin Bank provides special offers for self-employed borrowers for assisting them monetarily. You will have to show the ITR files of the last two years as your income proof.
✅ What is the Maximum Loan Tenure for Rajasthan Marudhara Gramin Bank Personal Loan?
The maximum loan tenure period for a personal loan from Rajasthan Marudhara Gramin Bank is 60 months.
✅ What should be the CIBIL Score for Rajasthan Marudhara Gramin Bank Personal Loan?
The minimum CIBIL score for getting a personal loan from Rajasthan Marudhara Gramin Bank must be 750 or above.
✅ Do I have a preapproved offer for Rajasthan Marudhara Gramin Bank Personal Loan?
You can check out your preapproved personal loan offers from Rajasthan Marudhara Gramin Bank with Dialabank. Just fill the form, and we will check out all the offers for you and get back to you to opt for the best one.
✅ How to calculate EMI for Rajasthan Marudhara Gramin Bank Personal Loan?
You can use the EMI calculator accessible at Dialabank’s website to calculate your personal loan EMIs from Rajasthan Marudhara Gramin Bank.
✅ How to pay Rajasthan Marudhara Gramin Bank Personal Loan EMI?
Your personal loan EMIs from Rajasthan Marudhara Gramin Bank automatically deducts them from your bank account. Also, use the net-banking facility of Rajasthan Marudhara Gramin Bank to pay for your personal loan EMIs.
✅ How to close Rajasthan Marudhara Gramin Bank Personal Loan?
You must pay all the outstanding personal loan amount and then contact the branch Rajasthan Marudhara Gramin Bank to collect your no dues certificate.
✅ How to check Rajasthan Marudhara Gramin Bank Personal Loan Status?
You must visit the Rajasthan Marudhara Gramin Bank branch to check your personal loan status. On the other hand, you can visit Dialabank and fill a simple form to let us do the hard work for you.
✅ How to close Rajasthan Marudhara Gramin Bank Personal Loan Online?
For a closing personal loan from Rajasthan Marudhara Gramin Bank, follow the given steps:
- Visit the Rajasthan Marudhara Gramin Bank net-banking page.
- Login with your details.
- Pay your personal loan amount.
- Save the transaction receipt.
✅ How to pay Rajasthan Marudhara Gramin Bank Personal Loan EMI Online?
Your personal loan EMI can be paid through the net-banking facility provided by Rajasthan Marudhara Gramin Bank. Dialabank will help you to compare offers and deals from different banks to choose the best, to get a low-EMI personal loan. All you have to do is fill a simple form, and we will do the rest for you.
✅ How to check Personal Loan Balance in Rajasthan Marudhara Gramin Bank?
To check the personal loan balance in Rajasthan Marudhara Gramin Bank, you will contact the Rajasthan Marudhara Gramin Bank customer care number. If you are in search of low-interest personal loans, you should visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the work for you.
✅ How to download Rajasthan Marudhara Gramin Bank Personal Loan Statement?
The personal loan statement of Rajasthan Marudhara Gramin Bank can be downloaded using the mobile banking app of Rajasthan Marudhara Gramin Bank. You can also visit Dilabank’s online platform and fill a simple form to compare and know about all the offers that we have for you.
✅ How to Top Up Personal Loan in Rajasthan Marudhara Gramin Bank?
If you want a top-up on your personal loan from Rajasthan Marudhara Gramin Bank, you will have to visit the bank branch and contact the loan officer. You can also fill a simple form with Dialabank at Personal Loan Top Up and leave the rest to us.
✅ What happens if I don’t pay my Rajasthan Marudhara Gramin Bank Personal Loan EMIs?
Rajasthan Marudhara Gramin Bank will charge a penal interest if you don’t pay your personal loan EMIs. You can apply for a balance transfer through Dialabank to avail of low-interest personal loans that will not put a hole in your pocket.
✅ What relaxation scheme and moratorium Rajasthan Marudhara Gramin Bank provides about Personal Loan due to Covid 19?
To minimize the monthly EMI payments, the loan settlement scheme implemented by Rajasthan Marudhara Gramin Bank provides for an extended moratorium of up to 2 years or an extension of the current period of maturity.
✅ How to find the Rajasthan Marudhara Gramin Bank Personal Loan account number?
You will require to contact your Rajasthan Marudhara Gramin Bank loan branch to know your personal loan account number. You can also fill the form accessible at Dialabank and allow us to do all the work for you.
✅ What is the Rajasthan Marudhara Gramin Bank personal loan customer care number?
Contact 9878981166 for any queries.
✅ What are the Rajasthan Marudhara Gramin Bank Personal Loan pre-closure charges?
The charges on the pre-closure of the personal loan depend on the decision taken by the bank from time to time.
✅ What is the Rajasthan Marudhara Gramin Bank personal loan closure procedure?
- Visit the bank with the complete set of documents (as mentioned above).
- You may be required to fill a form or write a letter requesting pre-closure of the Personal Loan account.
- Pay the pre-closure amount.
- Sign the required documents, if any.
- Take acknowledgement of the balance amount you have paid.
✅ What is the Rajasthan Marudhara Gramin Bank Personal Loan Overdraft Facility?
An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can in like manner reimburse the got out totally at whatever point the condition is ideal. From this time forward, it is conceivably the most favoured credit choices that benefitted to meet changing individual supporting necessities unbounded.
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