Saptagiri Grameena Bank Personal Loan Key Features – Apr 28 2024
| Eligibility Criteria | Details |
| Age | 21-70(at loan maturity) |
| CIBIL Score | 750 |
| Saptagiri Grameena Bank Personal Loan Interest Rate | 9.99% p.a. |
| Lowest EMI per lakh | NIL |
| Tenure | 06 to 72 months |
| Saptagiri Grameena Bank Personal Loan Processing Fee | 1%-2% |
| Prepayment Charges | NIL |
| Part Payment Charges | NIL |
| Minimum Loan Amount | Rs. 50,000 |
| Maximum Loan Amount | Rs. 7,50,000 |
Saptagiri Grameena Bank Personal Loan Eligibility Criteria
Personal Loan Eligibility criteria are as follows:
| CIBIL score criteria | 750 and above |
| Age criteria | 21-70 yrs (at loan maturity) |
| Min Income criteria | Rs. 18,000 per month |
| Occupation criteria | Salaried/Self-Employed |
Saptagiri Grameena Bank Personal Loan Interest Rate and Charges
| Saptagiri Grameena Bank Personal Loan Interest Rate | 9.99% p.a. |
| Saptagiri Grameena Bank Personal Loan Processing Charges | 1%-2% |
| Prepayment Charges | NIL |
| Stamp Duty | NIL |
| Cheque Bounce Charges | NIL |
| Penal Interest | NIL |
| Floating Rate of Interest | NIL |
Saptagiri Grameena Bank Personal Loan Documents Required
| Form | Duly filled application form |
| Proof of Identity | Copy of: > Passport > Driving License > Aadhar Card > Voter ID Card |
| Proof of Address | Rent Agreement (Min. 1 year of stay) Utility Bills Passport (Proof of permanent residence) Ration card |
| Proof of Income | > ITR: Last two Assessment years > Salary Slip: Last 6 months > Bank Statement: Last 3 months |
Saptagiri Grameena Bank Personal Loan EMI Calculator
Saptagiri Grameena Bank Personal Loan Compared to Other Banks
| Particulars | Saptagiri Grameena Bank | HDFC Bank | Bajaj Finserv | Axis Bank | Citibank | Saptagiri Grameena Bank 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 | 6 to 72 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. 7,50,000 | Up to Rs. 40 lakh | Up to Rs. 25 lakh | Rs. 50,000 to Rs. 15 lakh | Up to Rs. 30 lakh | Upto Rs. 20 lakh |
| Processing Fee | 1%-2% | 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 Saptagiri Grameena Bank
Why should you apply for Saptagiri Grameena Bank Personal Loan with Dialabank?
Dialabank has the most trusted agents who will tell you the entire procedure for a personal loan in a detailed manner. Dialabank is India’s first financial helpline. It provides fast with the best services to their customers.
How to Calculate EMIs for Saptagiri Grameena Bank Personal Loan
The information is required to calculate Saptagiri Grameena Bank Personal Loan is the following:
- Amount of the Loan
- Interest Rate
- Tenure
Saptagiri Grameena Bank Personal Loan Processing Time
Processing time is the time taken by the bank for the approval of your personal loan application. The processing time for a personal loan is 2 days.
Saptagiri Grameena Bank Personal Loan Preclosure Charges
Preclosure means that you paid your loan amount before the time. It will help you in getting the rate interest lower.
Pre Calculated EMI for Personal Loan
|
Rate |
5 Yrs |
4 Yrs |
3 Yrs |
|
9.99% |
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 |
Different Offers For Saptagiri Grameena Bank Personal Loan
Saptagiri Grameena Bank Home Loan
- This bank provides the home loan to the Indian or a fully documented NRI.
- An applicant should have a minimum age of 18 years.
- An applicant should have a maximum age of 70 years.
- An applicant should have a salary more than the required income.
Saptagiri Grameena Bank Personal Loan for Government Employees
- This bank proffers a personal loan to Govt. employees.
- The amount of loan depends on your company’s reputation.
Saptagiri Grameena Bank Car Loan
- This bank offers a car loan.
- The loan amount offers up to 80-100% on a new car.
- Flexible loan tenure from 12 to 72 months.
Saptagiri Grameena Bank Personal Loan for education
- This bank offers a personal loan for education.
- Up to Rs. 10 lakh: For studies in India
- Up to Rs. 20 lakh: For studies Abroad.
Saptagiri Grameena Bank Personal Loan Balance Transfer
A balance transfer is the sending of your loan amount from one lending station to another. It helps to lower the interest rate.
Saptagiri Grameena Bank Personal Loan Top Up
A top-up loan is a supplementary amount that is financing by a company into your existing loan amount.
Saptagiri Grameena Bank Personal Loan Status
Visit our bank’s website and check the loan status.
Types of Saptagiri Grameena Bank Personal Loan
Home renovation loan
Saptagiri Grameena Bank Bank offers home redesign credit for people who wish to get their home revamped. This individual credit can support necessary fixes or help the candidate get new fittings, installations and furniture for their home. Some vital highlights of Saptagiri Grameena Bank Home Renovation Loan are:
- The financing cost for Saptagiri Grameena Bank’s Home Renovation Loan begins at as low as 11.25%.
- People might be qualified for an advance sum up to Rs. 20 Lakh to get their home remodelled
- Home remodel credit from Saptagiri Grameena Bank requires negligible documentation, making the whole advance cycle bother free.
- The advance sum ordinarily gets credited into the record within 72 hours once the bank favours your application.
Holiday Loan
Saptagiri Grameena Bank’s Holiday Loan can assist you in organizing your fantasy get-away with a minor issue. This individual advance from Saptagiri Grameena Bank can subsidize a scope of excursion related costs, including flight ticket booking, lodging facilities, guided visits, and so forth Key highlights of Saptagiri Grameena Bank’s Holiday Loan are:
- Financing costs for Holiday Loans start at 11.25% p.a.
- You can do without much of a stretch profit a measure of up to Rs 20 Lakh, so your fantasy excursion won’t be spoilt because of a monetary crunch.
- Streamlined and Minimal documentation guarantees that financing your get-away is basic and straightforward.
- Brisk preparing and disbursal of advance which is attributed straightforwardly to your record
Fresher Funding
A dominant part of unstable individual credits is focused on people with customary pay anyway Saptagiri Grameena Bank’s Fresher Funding is extraordinary. This credit alternative from Saptagiri Grameena Bank is intended to help freshers, for example, ongoing alumni looking for their first work. Some vital highlights of Saptagiri Grameena Bank Fresher Funding individual credit are as per the following:
- Credit sum up to Rs 1.5 lakh
- The candidate must be at any rate 21 years of age.
- The pace of interest for Fresher Funding relies upon the profile of the advanced candidate, the financial record/score, age and area of the candidate.
NRI Personal Loan
Understanding the necessities and dreams of NRIs, Saptagiri Grameena Bank offers an individual advance explicitly for NRIs. The essential advanced candidate should be an Indian inhabitant, and the co-candidate NRI must be a nearby family member. Individual Loan for NRIs incorporates the accompanying highlights.
- Saptagiri Grameena Bank offers NRIs individual advances up to Rs. 10 lakh with adaptable end-use
- The financing costs for NRI Personal Loan start at 15.49% p.a.
- The credit includes a residency of as long as three years.
How to Apply for Saptagiri Grameena Bank Personal Loan?
For availing of a personal loan, you have to follow the given steps:
- Visit Dialabank and fill the application form.
- Our representative will call you.
- Our representative will guide you about the procedure of a personal loan.
The Personal Loan Verification Process
Coming up next are essential strides of the individual credit check measure after online accommodation of your advance application on Dialabank.
Step1. Dialabank will advance your advance application to your picked bank and generally within 48 hours, and you will get a call from the moneylender’s agent.
Step2. The imminent loan specialist will plan a pickup of your KYC, pay, and so forth reports or give a choice to transfer them on the web. These reports will be utilized to confirm your application.
Step3. When the moneylender’s check is finished, and your advance is endorsed, you will get another call to confirm the credit offer and request your permission for disbursal.
Step4. After credit endorsement and fruitful check, the advance is generally dispensed within 48 hours.
Note: The above-mentioned turnaround time for personal loan verification/disbursal may vary based on the lender’s internal demands as well as other criteria.
Check Your bank Saptagiri Grameena Bank Personal Loan Application Status
To check the status of your Saptagiri Grameena Bank Personal Loan, you can:
- Visit the bank branch personally where you had applied for the loan and give the loan officer your loan application details
- Visit the website of Saptagiri Grameena Bank and fill in your loan details.
- Send your loan details to the bank via email.
- Through the I-mobile app of the bank
- These methods enable you to track your loan status easily.
How to login to The Saptagiri Grameena Bank Portal
- Visit the official website of Saptagiri Grameena Bank.
- On the top right corner of the page click on ‘Login’.
- Log in using your User ID and Password or your recorded mobile number
How to Check Your Loan Statement
Clients can download the bank’s very own credit proclamation by following the means given beneath:
- Visit the official site of the bank.
- Click on ‘Connect’ and select ‘Administration Requests’ starting from the drop list.
- On the following page that opens, under the ‘Advances’ menu, select ‘Individual Loan Related’.
- Next, click on ‘Solicitation for Statement of Loan Account’.
- Login utilizing your User ID and the secret word or utilizing your enlisted versatile number and OTP to benefit the bank’s very own credit explanation.
Saptagiri Grameena Bank Personal Loan Restructuring (COVID-19)
The cross country lockdown because of the COVID-19 pandemic has affected numerous borrowers antagonistically and to moderate its effect to a specific degree, a multi-month ban on different term advances was declared. After the fruition of the half-year ban, Saptagiri Grameena Bank had reported the RBI-commanded one-time advantage of Saptagiri Grameena Bank individual credit rebuilding. This instrument is intended to give proceeded with alleviation to those borrowers who are as yet unfit to begin reimbursement of their normal EMI due to ongoing money related difficulty coming about because of the pandemic.
The credit goal system presented by Saptagiri Grameena Bank offers an extra ban of as long as two years or an augmentation on the current reimbursement time frame to diminish the month to month EMI instalments. It is imperative to shoulder as a main priority that rebuilding your Saptagiri Grameena Bank individual credit will bring about extra premium charges well beyond those of the first advance. Consequently, this alleviation instrument should just be utilized if all else fails with the goal that you don’t wind up defaulting on your great credit.
Saptagiri Grameena Bank Customer Care
Customers can contact the Saptagiri Grameena Bank customer care via any of the following means:
- By Phone: You can call Saptagiri Grameena Bank Bank on 08572-233598 (toll-free)
- Callback Request: You can also request a call back by visiting the bank’s website
- Online Chatbot: You can also get your queries answered by the iPal chatbot online
- Branch Visit: You can visit the nearby Saptagiri Grameena Bank branch to get your queries.
Benefits of Applying for Personal Loan on Dialabank
There are different points of interest in applying for a personal advance on the Dialabank site. Some of them are given beneath:
- 24 x 7 Accessibility: You can get to the Dialabank site whenever and anyplace and in this manner, apply for an individual advance whenever from the solace of your home or office.
- Different moneylenders on a solitary stage: Dialabank empowers you to get to individual credit offers from various planned loan specialists on a solitary stage and accordingly kills the need to visit numerous bank sites or branches.
- Know EMI in a split second: With the individual advance EMI calculator, you can check the EMIs you would be paying on an individual credit even before you apply for one. It will assist you with acquiring the suitable sum that you can without much of a stretch reimburse and have a helpful reimbursement plan.
- Liberated from cost: Additionally, you are not needed to pay any charges when you apply for an individual advance on Dialabank.
Important Aspects
Given underneath are some significant angles that you should consider while applying for an individual credit with Saptagiri Grameena Bank:
- While applying for a personal advance, it is in every case great to check your financial assessment. A decent credit assessment builds the odds of endorsement of your credit and can empower you to benefit an individual advance on more great terms.
- Before settling upon a specific bank, it is prudent to think about the expense of an individual credit (premium expense and all the reasonable expenses and charges) offered by different moneylenders on Dialabank.
- Acquire as per your need and reimbursement capacity. Try not to acquire just because you are qualified to get a higher sum. It will just add to your advantage cost and not have many advantages over the long haul.
- Try not to apply for individual advances with various moneylenders simultaneously. It shows you to be eager for credit and expands the number of challenging requests for your credit report, which may antagonistically influence your Credit rating.
FAQs About Saptagiri Grameena Bank Personal Loan
✅ How to apply for Saptagiri Grameena Bank Personal Loan?
You can apply for a personal loan with Saptagiri Grameena Bank either by examining the nearest branch of Saptagiri Grameena Bank or by submitting a simple form with Dialabank. With Dialabank, you get the satisfaction to apply from anywhere and get quick online approval.
✅ What is the Interest Rate for Saptagiri Grameena Bank Personal Loan?
The interest rate for a personal loan from Saptagiri Grameena Bank is 9.99% p.a. This rate of interest varies with time.
✅ What is the minimum age for getting a Personal Loan from Saptagiri Grameena Bank?
The minimum age for getting a personal loan from Saptagiri Grameena is 21 years.
✅ What is the maximum age for getting a Personal Loan from Saptagiri Grameena Bank?
The maximum age for getting a persona loan from Saptagiri Grameena Bank is 70 years.
✅ What is the minimum loan amount for Saptagiri Grameena Bank Personal Loan?
The minimum loan amount for availing a personal loan from Saptagiri Grameena Bank is Rs. 50,000.
✅ What is the maximum loan amount for Saptagiri Grameena Bank Personal Loan?
The maximum loan amount for getting a personal loan from Saptagiri Grameena Bank is Rs. 7,50,000.
✅ What are the documents required for Saptagiri Grameena Bank Personal Loan?
Documents required for Saptagiri Grameena Bank are Aadhaar card, driving license, voter ID, salary certificate, form number 16, and ITR of last 2 years for a personal loan.
✅ What is the Processing Fee for Saptagiri Grameena Bank Personal Loan?
The processing fee charged by the Saptagiri Grameena Bank for a personal loan is 1%-2%.
✅ How to get Saptagiri Grameena Bank Personal Loan for Self Employed?
Saptagiri Grameena Bank has special offers for self-employed borrowers to aid them financially. You will have to present the ITR files of the last two years as your income proof.
✅ What is the Maximum Loan Tenure for Saptagiri Grameena Bank Personal Loan?
The maximum loan tenure period for a personal loan from Saptagiri Grameena Bank is 72 months.
✅ What should be the CIBIL Score for Saptagiri Grameena Bank Personal Loan?
The CIBIL score required for availing a personal loan from Saptagiri Grameena Bank should be 750 and above.
✅ Do I have a preapproved offer for Saptagiri Grameena Bank Personal Loan?
You can examine for your preapproved personal loan offers from Saptagiri Grameena Bank with Dialabank. All you have to do is fill the form, and we will check out all the offers for you and get back to you to help you choose the best one.
✅ How to calculate EMI for Saptagiri Grameena Bank Personal Loan?
You can use the EMI calculator accessible at Dialabank’s website to calculate your personal loan EMIs from Saptagiri Grameena Bank.
✅ How to pay Saptagiri Grameena Bank Personal Loan EMI?
Your personal loan EMIs from Saptagiri Grameena Bank automatically takes from your bank account on a monthly basis. You can also use the net-banking service of Saptagiri Grameena Bank to pay for your personal loan.
✅ How to close Saptagiri Grameena Bank Personal Loan?
You will have to pay all the outstanding personal loan amount and then contact the Saptagiri Grameena Bank branch to collect your no dues certificate.
✅ How to check Saptagiri Grameena Bank Personal Loan Status?
You will need the visit the Saptagiri Grameena Bank branch to check the status of your personal loan. 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 Saptagiri Grameena Bank Personal Loan Online?
For closing the personal loan from Saptagiri Grameena Bank involves the following steps:
- Visit the net-banking page of Saptagiri Grameena Bank.
- Login with your details.
- Pay for your personal loan.
- Save the transaction receipt.
✅ How to pay Saptagiri Grameena Bank Personal Loan EMI Online?
Your personal loan EMI can be paid through the net-banking services of Saptagiri Grameena Bank. Dialabank lets you 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 Saptagiri Grameena Bank?
To check the personal loan balance in Saptagiri Grameena Bank, you will require to contact the customer care number of Saptagiri Grameena Bank. If you are looking for low-interest personal loans, you can visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the hard work for you.
✅ How to download Saptagiri Grameena Bank Personal Loan Statement?
The personal loan statement of Saptagiri Grameena Bank can be downloaded using the Saptagiri Grameena Bank mobile banking app. You can visit the online platform of Dialabank 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 Saptagiri Grameena Bank?
If you want a top-up on your personal loan from Saptagiri Grameena Bank, you will have to call on 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 Saptagiri Grameena Bank Personal Loan EMIs?
Saptagiri Grameena Bank may charge you with a penal interest if you don’t pay your personal loan EMIs. For getting low-interest personal loans, you can apply for a balance transfer using Dialabank.
✅ How to find the Saptagiri Grameena Bank Personal Loan account number?
You will require to contact your Saptagiri Grameena Bank loan branch to find your personal loan account number. You may also fill out the form available at Dialabank and let us do all the work for you.
✅ What is the Saptagiri Grameena 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 acknowledgment of the balance amount you have paid.
✅ What is Saptagiri Grameena Bank personal loan maximum tenure?
The maximum tenure of the Saptagiri Grameena Bank personal loan is 60 months.
✅ What is Saptagiri Grameena Bank personal loan minimum tenure?
The minimum tenure of the Saptagiri Grameena Bank personal loan is 12 months.
✅ What is the Saptagiri Grameena Bank personal loan customer care number?
The customer care number of Saptagiri Grameena Bank personal loan is 9878981166.
✅ What are the Saptagiri Grameena Bank Personal Loan pre-closure charges?
Saptagiri Grameena Bank gives you the option of pre-closing your loan after a period of a minimum of 12 months of taking the loan and paying 12 successful EMIs on your mortgage. However, Saptagiri Grameena Bank charges a Prepayment or Pre-closure charge. Refer to the table mentioned above.
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