Telangana Grameena Bank Personal Loan

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Rates as low as 10.50%*
Loans Up to 30 Lacs
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About Telangana Grameena Bank Personal Loan

Telangana Grameena Bank Personal Loan

Telangana Grameena Bank is in Hyderabad. The bank offers many different financial services including a personal loan to its customers. The Telangana Grameena Bank Personal Loan is one of the most widely taken loaning schemes by the locals. You can use Telangana Grameena Bank personal loan amount for your personal use. Bank will never ask you the reason for choosing this personal loan.

How Telangana Grameena Bank Personal Loan work?

  1. You can avail for the loan via the online application.
  2. The bank gets your loan request and evaluates it.
  3. At this stage bank also checks your credit score along with your income eligibility.
  4. Once you meet the entire criteria bank will approve your loan request.
  5. Now you need to submit your documents.
  6. After the documentation process is done bank come up with the loan amount and the interest rate.
  7. You take the loan amount from the bank, and the disbursal of the loan takes place.

Features of Telangana Grameena Bank Personal Loan

  1. This loaning scheme comes with a low-interest rate. Which is quite a rare thing when you are not providing any collateral.
  2. The documentation process of this loaning scheme is fast and hassle-free.
  3. Your loan application may get approval within 30 minutes if your application meets all the criteria.
  4. Personal loan requires no collateral.
  5. The loan amount depends on the borrower’s submitted documents and his/her income eligibility.
  6. When we are talking about critical points, we should highlight the fact that the tenure period of your loan ranges from 1 year to 5 years.
  7. The name suggests this loaning scheme is of personal use.
  8. The bank does not ask the borrower to provide a reason for taking a loan.
  9. You can spend the loan amount in whatever way you want.
  10. You can also use it for paying your medical bills, funding your foreign trip Etc.
  11. Both employee and self-employed individuals can avail the benefits of this loan.
  12. The rate of the interest rate of personal loaning scheme of Telangana Grameena Bank depends on the borrower. If someone is taking a considerable amount of loan and right banking history bank is more than happy to provide a low-interest rate.
  13. The minimum rate of interest that you can expect on this loan is 10.70% annually.

Telangana Grameena Bank Personal Loan Eligibility

For the salaried applicant:

  1. To avail personal loan the required age of salaried applicant should be 25 – 65 Years.
  2. Also, as a salaried applicant needs to have a one year of experience.
  3. In addition to this, the applicant has to be working with the current employer for about six months at least.
  4. Similarly, the salary of an application needs to come to a bank account.
  5. The minimum salary requirement to avail personal loan is 18,000 Rs this could also change depending on the area where the applicant is living.
  6. Most importantly, the CIBIL of salaried applicant needs to be above 750 to avail this loan.

For the self-employed applicant:

  1. Firstly, the age of the applicant needs to be in between 21 years to 71 years.
  2. Furthermore, a business must be up and running for at least three years.
  3. Also, the annual turnover of your business needs to be above 30 Lacs.
  4. Similarly to the salaried applicant, the self-employed borrower must have an account in a bank.

Required documents for Telangana Grameena Bank Personal Loan

  1. As a borrower, you need to submit an identity proof here are the documents which you can use as an identity proof Aadhaar Card / PAN Card/ Voter ID Card/ Passport/ Driving License.
  2. Furthermore, you need to provide a residential proof. You can show any of the given documents as living proof Aadhaar Card / PAN Card/ Voter ID Card/ Passport/ Driving License/Ration Card/Utility bills of last three months on the name of applicant/ Rent Agreement.
  3. For a salaried applicant, a bank requires six months of banks statement along with six months of salary receipt.
  4. On the other hand for self-employed applicant bank ask for past 1-year ITR documents and audited financial papers of the business.

How to avail Telangana Grameena Bank Personal Loan?

  1. You need to go to our website dialabank.com
  2. You need to fill your necessary details along with your phone number on the given form.
  3. It is crucial that you provide your correct contact information.
  4. Now once you have filled the form all your work is done now all you need to do is sit back and relax.
  5. One of our relationship managers will call you within 30 minutes and provide you the best of offers and deals for your loan.
  6. You don’t worry about paying us we provide our services at zero cost.

FAQs About Telangana Grameena Bank Personal Loan

Q. What is Telangana Grameena Bank Personal Loan?

If you find yourself in need of urgent funds for your personal expenses like wedding, travel, payment of bills, and etc. You can apply for a Personal Loan from Telangana Grameena Bank and fulfill all your needs. Personal Loans come with long tenures for easy repayment with attractive interest rates.

Q. What is Personal Loan rate of interest in Telangana Grameena Bank?

Telangana Grameena Bank Personal Loan rates start from 10.75% per annum. The rate of interest depends on the borrower’s profile. If you have a good CIBIL Score you can expect a lower rate of interest.

Q. How can I get Telangana Grameena Bank Personal Loan?

You can get a Personal Loan from Telangana Grameena Bank by visiting the nearest branch with your documents and duly signed application form. You can also visit Dialabank’s digital platform to compare offers of different banks and financial companies.

Q. How to apply for Personal Loan in Telangana Grameena Bank?

You can apply for a Personal Loan with Telangana Grameena Bank by contacting your nearest branch in person or through Dialabank’s online portal for better convenience and to get the best deals and offers.

Q. Why apply for Telangana Grameena Bank Personal Loan?

Personal Loans can be used to finance all your small and big expenses. The long tenures and attractive interest rates make it easy to repay the loan in burden-free EMIs. You can use your Telangana Grameena Bank Personal Loan for all your personal financial needs without having to submit any security.

Q. How much EMI on Telangana Grameena Bank Personal Loan?

Your Personal Loan EMI depends on your loan amount, loan tenure, and rate of interest. You can visit Dialabank and use our EMI Calculator to calculate your Telangana Grameena Bank Personal Loan EMIs.

Q. How much CIBIL score required for Telangana Grameena Bank Personal Loan?

You will need a CIBIL score above 700 for your Personal Loan with Telangana Grameena Bank. Banks require a high CIBIL score for unsecured Personal Loans because it helps calculate the risk of default.

Q. Minimum credit score needed for Telangana Grameena Bank Personal Loan?

A minimum credit score of 700 is needed for Telangana Grameena Bank Personal Loans. A healthy credit score is a necessity to avail unsecured loans.

Q. How to calculate Telangana Grameena Bank Personal Loan EMI?

You can calculate your Telangana Grameena Bank Personal Loan EMI using the formula, E = P x R x [((1+R)^N)/((1+R)^N)-1]. Here, P is your principal loan amount, R is your rate of interest, and N is the loan tenure. You can also use Dialabank’s EMI calculator.

Q. What can I use Telangana Grameena Bank Personal Loan for?

Your Telangana Grameena Bank Personal Loan can be used to fulfill all your financial needs and meet all your personal expenses. A wedding, an event, travel and vacation, buying of consumer goods, payment of bills, and etc.

Q. Can I prepay Telangana Grameena Bank Personal Loan?

Yes, you can prepay your Telangana Grameena Bank Personal Loan by contacting your loan branch in person. In some cases, you may be required to pay a small foreclosure charge.

Q. How to prepay Telangana Grameena Bank Personal Loan?

Visit your Telangana Grameena Bank loan branch and apply for a foreclosure on your Personal Loan account. You will need to pay all the pending amount and upon verification of your payments, your loan will be closed.

Q. How to repay Telangana Grameena Bank Personal Loan?

You can repay your Telangana Grameena Bank Personal Loan in easy monthly EMIs that consist of both your principal amount and interest. You can either give a standing instruction or an ECS on your bank account for monthly deduction of EMIs.

Q. What documents are needed for Telangana Grameena Bank Personal Loan?

You will need your basic KYC documents along with proof of your income to apply for a Personal Loan from Telangana Grameena Bank. These documents are to be submitted along with a duly signed application form with the bank.

Q. How to check Telangana Grameena Bank Personal Loan status?

You can check your Personal Loan status by contacting your Telangana Grameena Bank branch in person or through customer care number.

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