United Bank of India Personal Loan

⋆ Interest Rate 9.99% ⋆

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      Why us?

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

      United Bank of India Personal Loan

      United Bank of India Personal Loan Key Features Jan 2021

      Eligibility Criteria Details
      Age Criteria 21 – 60 (at loan maturity)
      CIBIL Score Minimum 750 or above
      United Bank of India Personal Loan Interest Rate 8.95% p.a.
      Lowest EMI per lakh Rs 1606*
      Tenure 12 to 84 months

      United Bank of India Personal Loan Processing Fee

      1% of the loan amount
      Prepayment Charges NIL
      Minimum Loan Amount Rs. 50000
      Maximum Loan Amount Rs 20 lakh

       

      Each Feature Explained in Detail Below

      Benefits of United Bank of India Personal Loan

      1. Attractive Interest Rates: United Bank of India’s personal loan offers you attractive interest rates. The interest rates are 8.95%.
      2. No need for any collateral:  There is no requirement of any collateral for making your loan processing simpler
      3. Individual Documents: You have to show the documents for this type of loan, so ensure that you present original and veritable documents.
      4. Easy Application Process: The filing procedure is easy, and you just need basic KYC Documents along with your Income proof and 2 Passport size photographs.

      United Bank of India Personal Loan Eligibility Criteria

      The eligibility criteria for a personal loan are as follows:

      CIBIL score Criteria 700 and Above
      Age Criteria 25-60 years
      Min Income Criteria Rs 10,000/month
      Occupation Criteria Salaried/Self-employed/pensioner

       

      United Bank of India Personal Loan Interest Rate, Fees & Other Charges

      Loan principal @ interest

      Tenure

      1 year 2 years 3 years 4 years 5 years
      1 lakh @ 12% Rs. 8,884 Rs. 4,707 Rs. 3,321 Rs. 2,633 Rs. 2,224
      3 lakh @ 12.5% Rs. 26,724 Rs. 14,192 Rs. 10,036 Rs. 7,973 Rs. 6,749
      6 lakh @ 12.75% Rs. 53,520 Rs. 28,454 Rs. 20,144 Rs. 16,022 Rs. 13,575
      9 lakh @ 13% Rs. 80,385 Rs. 42,787 Rs. 30,324 Rs. 24,144 Rs. 20,477

      United Bank of India Personal Loan Documents Required

      Documents Required for Salaried Applicants:

      • Last three months salary slips
      • Six months old bank statements are considered
      • PAN Card is a must
      • Aadhaar Card is required as an identity proof
      • Residence Proof (Owned/Rented/Company provided)
      • Two passport-sized photographs

      *NOTE: In the case of rented apartments, the rent agreement is to be attached.

      Documents Required for Self-Employed Applicants:

      • All financials are considered (company documents as well as ITR files)
      • PAN Card
      • Aadhaar Card
      • Residence Proof
      • Two passport-sized photographs

      Personal Loan EMI Calculator for United Bank of India

      Personal Loan EMI for different loan amounts and tenures@9.99% interest rate

      Loan Amount (Rs.) 2 Years 3 Years 5 Years
      1 Lakh ₹ 4,801 ₹ 3,417 ₹ 2,326
      3 Lakh ₹ 14,402 ₹ 10,252 ₹ 6,979
      5 Lakh ₹ 24,004 ₹ 17,086 ₹ 11,632
      10 Lakh ₹ 48,008 ₹ 34,173 ₹ 23,263

      EMI Calculator

      United Bank of India Personal Loan Comparison with Other Banks

      Bank Interest Rate Tenure Loan Amount & Proc Fee
      United Bank of India 8.95% 12 to 36 months Up to Rs. 20 lakh / 1% to 2% of Loan Amount
      Bajaj Finserv Starting from 12.99% 12 to 60 months Up to Rs. 25 lakh / Up to 3.99% of the loan amount
      Axis Bank 7.35% to 24% 12 to 60 months Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount
      Citibank Starting from 10.50% 12 to 60 months Up to Rs. 30 lakh / Up to 3% of the loan amount
      ICICI Bank 10.50% to 19.25% 12 to 60 months Up to Rs. 20 lakh / Up to 2.25% of the loan amount

      How to apply for the United Bank of India Personal Loan?

      Apply Online

      • Visit United Bank of India Bank Personal Loan.
      • Fill the application form.
      • You have to fill in your general information.
      • Once you apply, the bank will contact you for the formalities.

      Apply Offline

      • You can apply offline; just ask google personal loan banks near me.
      • Just simply visit a nearby branch of personal loans.

      Why should you apply for the United Bank of India Personal Loan with Dialabank?

      Dialabank will help you choose the right option, which is the best for you by comparison to different banks. Dialabank helped thousands of people for getting a personal loan without any issue. Apply with Dialabank today and get special deals on the United Bank of India Personal Loan.

      Contact us at 9878981166 to avail United Bank Personal Loan.

      How to Calculate EMIs for United Bank of India Personal Loan

      Calculate the EMIs on your personal loan, just requirement of the basic information regarding the loan –

      1. Amount of the Loan

      2. Rate of Interest

      3. Tenure

      Just put these values in the calculator below to find the exact amount payable each month.

      Calculate EMI calculator.

      United Bank of India Personal Loan Processing Time

      United Bank of India takes 15 days for the Processing of Personal Loan Applications.

      United Bank of India approves the loan in just a few hours to a maximum of 1 to 3days.

      United Bank of India Personal Loan Preclosure Charges

      NIL.

      Pre Calculated EMI for United Bank of India Personal Loan

      Loan Amount 1 Year Loan 3 Year Loan 5 Year Loan
      ₹ 1 Lakh ₹ 8,978 ₹ 3,417 ₹ 2,326
      ₹ 5 Lakh ₹ 44,891 ₹ 17,086 ₹ 11,632
      ₹ 10 Lakh ₹ 89,782 ₹ 34,173 ₹ 23,263

      Different Offers for United Bank of India Personal Loan

      • United Bank of India has a wide variety of Personal Loans.
      • United Bank of India provides Education, Medical, Home Furnishing, Marriage, and Holiday loans.
      • The above loans are for salaried and self-employed individuals.

      United Bank of India Personal Loan for Salaried Employees 

      • United Bank of India offers attractive interest rates.
      • You can get a loan amount depends on the Company that you are working in.
      • You can get a loan according to your salary and the residence.
      • United Bank of India offers a tenure of 12 to 84 months that is 1 year to 7 years.

      United Bank of India Personal Loan for Self Employed Individuals

      • United Bank of India Personal Loan also offers to the self -employed individuals who need funds.
      • United Bank of India provides an attractive rate of interest.
      • Provides a tenure of 12-84 months.
      • You have to show more documents than Salaried Employees.
      • Get a maximum loan amount of Rs. 10 lakh.

      United Bank of India Education Loan

      • United Bank of India provides a loan amount of Rs. 50,000 up to Rs. 10 Lakhs for studies in India.
      • United Bank of India provides loan amounts up to Rs. 20 lakhs for studies abroad.
      •  Lowest Interest Rates for top ranking institutions.
      • Minimum Net Income: Rs. 1 lakh per annum.
      • Complete application with signature.

      United Bank of India Marriage Loan

      United Bank of India Marriage Loan has the eligibility criteria as the following:

      • PAN Card is mandatory.
      • Salary Credit Bank Statements for the last 6 months.
      • Anyone ID Proof: Driving License, Passport, Voter ID.
      • Anyone Residence Proof: Bank Statement, Electricity Bill, Driving License, Passport, Voter ID.
      • The requirement of Income Documents of Salaried Spouse.

      United Bank of India Personal Loan for Government Employees

      • Personal Loans for Government Employees offered at low-interest rates.
      • There is a special offer of choosing the tenure for the loan.
      • No processing fee.
      • Apply by visiting the nearby RBL Bank Loan Branch.
      • Also, call 9878981166.

      United Bank of India Personal Loan for Pensioners

      United Bank of India offers special plans for Pensioners looking out for Personal loans. They provide good funding at attractive rates of interest to pensioners.

      • The minimum Pension Amount will be Rs. 10,000+.
      • Maximum age – 65 years (at loan maturity).
      • 50% of extra income can be counted as Actual Income.
      • Interest Rate – 13.05%
      • Tenure of a minimum of 12 months

      United Bank of India Personal Loan Balance Transfer

      Personal Loan Balance Transfer means shifting your personal loan from one lending foundation to another. It will be beneficial to pay the foreclosure charges connected with that loan. Few benefits are the following:

      1.  The Interest Rate is low.
      2. Extended Tenure for the Repayment
      3.  Get additional features associated with your Loan, i.e., no processing fee, etc., based on the CIBIL score.

      United Bank of India Personal Loan Top Up

      Top up facility on your loan is the secondary amount that you have borrowed from the bank. You can avail of this facility if and only if you have paid 9 successive EMIs without any hindrances in the payment.

      United Bank of India Personal Loan Overdraft Scheme

      United Bank of India Personal Loan Offers an Overdraft Scheme. With this, you are provided with a loan amount as an overdraft facility. It works like a Credit Card, where you can spend your Personal Loan Amount as you want anytime, anywhere. The overall loan amount will have a Credit/Loan Limit. In the United Bank of India, Personal Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.

      How to Apply Online for United Bank of India Personal Loan?

      Apply for United Bank of India Personal Loan online by visiting the United Bank of India online portal. Just fill the form for the United Bank of India Personal Loan application:

      United Bank of India Personal Loan

      • Visit DialaBank
      • Just fill the Application form and submit it.
      • Our relationship managers will call you.

      United Bank of India Personal Loan Status

      You can check the status of your United Bank of India Personal Loan by the following methods – 

      •  Visit your loan branch and ask the banker for the same.
      • Log In to the United Bank of India Netbanking Portal.
      • Press on loans from the top ribbon and click on Enquire to check the status of your loan.
      • Type ‘personal loan status’ on Google, open the first link that will take you to the Loan Status Tracker webpage of RBL Bank, and fill in the required information to check your loan status.

      FAQs About United Bank of India Personal Loan

      ✅ How to apply for the United Bank of India Personal Loan?

      There are two ways to apply for a personal loan from the United Bank of India. You can apply for a personal loan with the United Bank of India by visiting the nearest United Bank of India branch or submitting a simple form with Dialabank. With Dialabank, you get the satisfaction to apply from anywhere and get your personal loan approval faster.

      ✅ What is the Interest Rate for the United Bank of India Personal Loan?

      United Bank of India charges an interest rate on a personal loan is 8.95%.

      ✅ What is the minimum age for getting a Personal Loan from the United Bank of India?

      You must be at least 25 years old to apply for a personal loan with the United Bank of India.

      ✅ What is the maximum age for getting a Personal Loan from the United Bank of India?

      The maximum age for availing of a personal loan from the United Bank of India is 60 years.

      ✅ What is the minimum loan amount for the United Bank of India Personal Loan?

      The minimum loan amount from the United Bank of India is Rs 50000 for a personal loan.

      ✅ What is the maximum loan amount for the United Bank of India Personal Loan?

      United Bank of India allows you to avail of a maximum loan amount of Rs. 20 lakhs under the personal loan scheme.

      ✅ What are the documents required for the United Bank of India Personal Loan?

      The documents required for a personal loan from the United Bank of India are Aadhaar card/Voter ID, PAN card, salary slips/ITR, and two recently clicked photographs.

      ✅ What is the Processing Fee for the United Bank of India Personal Loan?

      United Bank of India charges a processing fee of 1% of the loan amount.

      ✅ How to get the United Bank of India Personal Loan for Self Employed?

      United Bank of India has special offers for self-employed borrowers to help them economically. However, you must provide the ITR files of the last two years as your income proof.

      ✅ What is the Maximum Loan Tenure for the United Bank of India Personal Loan?

      The maximum tenure duration for a personal loan from the United Bank of India is 48 months for salaried borrowers and 84 months for pensioners.

      ✅ What should be the CIBIL Score for the United Bank of India Personal Loan?

      You must have a CIBIL score of at least 750 or above for getting a personal loan from the United Bank of India.

      ✅ Do I have a preapproved offer for the United Bank of India Personal Loan?

      You can check for your preapproved personal loan offers from the United Bank of India through Dialabank. All you have to do is fill the form, and we will check all the offers for you and get back to you to help you choose the best one.

      ✅ How to calculate EMI for the United Bank of India Personal Loan?

      You can use the EMI calculator accessible at Dialabank’s website to calculate your personal loan EMIs from India’s United Bank.

      ✅ How to pay United Bank of India Personal Loan EMI?

      Your personal loan EMIs from the United Bank of India are automatically take off from your bank account every month. You can also use the net-banking services of the United Bank of India to pay for your personal loan.

      ✅ How to close the United Bank of India Personal Loan?

      You will have to pay all the outstanding personal loan amount first and then contact the United Bank of India branch to get your no dues certificate.

      ✅ How to check the United Bank of India Personal Loan Status?

      You will have to visit the United Bank of India branch to check your personal loan status. But, 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 the United Bank of India Personal Loan Online?

      The closing of a personal loan from the United Bank of India involves the following steps:

      • First, visit the United Bank of India’s net-banking page.
      • Login using your details.
      • Pay for your personal loan and save the transaction receipt.

      ✅ How to pay United Bank of India Personal Loan EMI Online?

      Your personal loan EMI can be paid through the net-banking facility of the United Bank of India. Dialabank lets you compare offers and deals from different banks to choose the best, low-EMI personal loan. All you have to do is fill a simple form, and we will do our best for you.

      ✅ How to check Personal Loan Balance in the United Bank of India?

      To check the personal loan balance in India’s United Bank, you will contact the United Bank of India customer care number. On the other hand, if you want low-interest personal loans, you must visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the hard work for you.

      ✅ How to download the United Bank of India Personal Loan Statement?

      The United Bank of India’s personal loan statement can be downloaded using the mobile banking app of the United Bank of India. In addition, 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 the United Bank of India?

      If you require a top-up on your personal loan from the United Bank of India, 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 United Bank of India Personal Loan EMIs?

      United Bank of India will charge a penal interest if you don’t pay your personal loan EMIs. If you want to get low-interest personal loans, you must apply for a balance transfer with Dialabank.

      ✅ How to find the United Bank of India Personal Loan account number?

      You must contact your United Bank of India loan branch to know your personal loan account number. You may also fill out the form convenient at Dialabank and let us do all the work for you.

      ✅ What is the United  Bank of India Personal Loan closure procedure?

      • Just go to the bank with the documents.
      • Write a letter for pre-closure of the United Bank of India  Personal loan account.
      • Pay the pre-closure charges as per the United Bank of India Personal Loan.

      ✅ What is the United Bank of India Bank Personal Loan preclosure charges?

      United Bank of India Personal Loan preclosure charges are Nil.

      ✅ What is the United Bank of India Personal Loan overdraft scheme?

      For simplifying the process and providing you with a hassle-free service while processing an overdraft scheme at United Bank of India Personal Loan is provided; it gives you an online way to get your own overdraft, also known as Smartdraft – Overdraft Against Salary. You do not need to visit bank branches and go through a boring process. Just log in to the United Bank of India online banking portal, and from there, you can fill out a simple form and get an overdraft under your name.

      ✅ What is United Bank of India Bank Personal Loan maximum tenure?

      United Bank of India Personal loan maximum tenure is 84 months.

      ✅ What is United Bank of India Personal Loan minimum tenure?

      United Bank of India Personal Loan minimum tenure is 12 months.

      ✅ What is the United Bank of India Personal Loan customer care number?

      The customers get in touch with the bank via call on 9878981166.

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