Uttar Bihar Gramin Bank Personal Loan

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About Uttar Bihar Gramin Bank Personal Loan

Uttar Bihar Gramin Bank Personal Loan

Uttar Bihar Gramin is a rural bank in Bihar. The bank was founded in 1976. Furthermore, it provides a personal loan to customers to fulfill their financial needs. Personal Loan comes in the category of unsecured loans, and it helps the customers during the financial crisis. Everyone with a good source of income and CIBIL Score is eligible. Uttar Bihar Gramin provides a personal loan to the customers to fulfill their financial needs. Everyone with a good source of income and CIBIL Score is eligible to apply for a personal loan.

Uttar Bihar Gramin Bank Personal Loan Eligibility

There are some Eligibility Criteria regulated by Banks to provide a loan. You will have to qualify the eligibility criteria if you want finance to meet your requirement. Check your Eligibility in 1 minute. Apply Online and get Personal Loan. There are two categories of the applicants.
  1. Salaried
  2. Self-employed
There are different criteria for both categories. Let us see both of them one by one.

Salaried Applicant

  1. First of all the age of the applicant should be more than 21 years.
  2. After that he/she should be earning Rs. 18000 per month at least.
  3. After that, the applicant should have the work experience of 3 years at least.
  4. After that he/she should be getting the salary in his/her bank account.
  5. The credit history of the applicant should be good (more than 720).

Self-employed Applicant

  1. If the applicant is self-employed than his/her age should be 25 years at least.
  2. He/she should be filing ITR for last three years at least.
  3. His/her CIBIL score should be good (more than 720).
  4. Uttar Bihar Gramin Personal Loan Interest Rates
  5. Rates vary between 16 % – 22 % per annum, depending on the customer profile.

Uttar Bihar Gramin Bank Personal Loan Documentations

  • One Identity proof is required. (Passport/Id card/voter card/driving license) It can be any one of them. Everyone easily has these documents, so there is no problem with the submission.
  • 2 passport size colored photos. (Applicant should not be wearing glasses)
  • A passport can also be considered as your identity proof because a passport has a name, age, address and photograph of the customer. If you have a passport, then there is no need to bring your address proof separately. But the passport should not be expired.
  • Bank statement of last 6 months and salary slip of previous three months needed.
  • Residence proof can be the Aadhar card, voter card, and passport (Passport/Id card/voter card/driving license). Electricity and water bill for the last three months because these are the proofs that you are residing in that particular place.
  • Driving license is also regarded as a proof of identity and residence proof because it contains the name, date of birth and a photograph of the customer. But the condition is that it should not be expired.
  • Aadhar card provided by UIDAI that contains biometric details of the customers like age, date of birth and photograph of the individual. It can be considered as the proof of your date of birth.
  • PAN card is the permanent account number that is provided to the customers, and it prevents from the financial frauds. So it is also considered as an identity/residence proof. Pan card is essential document under KYC (know your customer) formality.
  • Ration card is also considered as a residence proof because it provides enough information about the applicant.

Uttar Bihar Gramin Bank Personal Loan Interest Rate

Uttar Bihar Gramin Bank Personal Loan Starts at 10.75% per year.However, it can vary from person to person. It depends on salary and CIBIL Score of the applicant. Category of the company also matters.

Uttar Bihar Gramin Bank Personal Loan Benefits

  1. There are many advantages to taking a personal loan from them, such as:
  2. They provide personal loans at interest rates varying from 15.50% to 22%.
  3. A person can avail the loan amount ranging from Rs. 50,000 to Rs. 5 lakhs.
  4. Loan EMIs can be paid for up to 60 months.
  5. Special loan offers for pensioners.

How to Apply for Uttar Bihar Gramin Bank Personal Loan?

  1. First of all visit www.dialabank.com .
  2. After that, fill the online application form.
  3. Enter your contact number.

Why choose Dialabank for Uttar Bihar Gramin Bank Personal Loan?

  1. It is very easy to avail loan from every bank online.
  2. But Dialabank is only one place with different banks in hand.
  3. It is a financial platform where you can check and compare different loan rates across different banks.
  4. Even you can solve all of your queries on the phone by dialing toll-free number 60011600. You will get personalized service on the phone from our trained relationship manager.

FAQs About Uttar Bihar Gramin Bank Personal Loan

Q. What is Uttar Bihar Gramin Bank Personal Loan?

Have an expense that you need to cover or need some financial assistance then the Personal Loan from Uttar Bihar Gramin Bank is just what you need. You can avail Personal Loans with minimal documentation and at competitive rates to meet your money needs.

Q. What is Personal Loan rate of interest in Uttar Bihar Gramin Bank?

Uttar Bihar Gramin 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 Uttar Bihar Gramin Bank Personal Loan?

You can get a Personal Loan from Uttar Bihar Gramin 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 Uttar Bihar Gramin Bank?

You can apply for a Personal Loan with Uttar Bihar Gramin 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 Uttar Bihar Gramin 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 Uttar Bihar Gramin Bank Personal Loan for all your personal financial needs without having to submit any security.

Q. How much EMI on Uttar Bihar Gramin 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 Uttar Bihar Gramin Bank Personal Loan EMIs.

Q. How much CIBIL score required for Uttar Bihar Gramin Bank Personal Loan?

You will need a CIBIL score above 700 for your Personal Loan with Uttar Bihar Gramin 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 Uttar Bihar Gramin Bank Personal Loan?

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

Q. How to calculate Uttar Bihar Gramin Bank Personal Loan EMI?

You can calculate your Uttar Bihar Gramin 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 Uttar Bihar Gramin Bank Personal Loan for?

Your Uttar Bihar Gramin 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 Uttar Bihar Gramin Bank Personal Loan?

Yes, you can prepay your Uttar Bihar Gramin 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 Uttar Bihar Gramin Bank Personal Loan?

Visit your Uttar Bihar Gramin 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 Uttar Bihar Gramin Bank Personal Loan?

You can repay your Uttar Bihar Gramin 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 Uttar Bihar Gramin Bank Personal Loan?

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

Q. How to check Uttar Bihar Gramin Bank Personal Loan status?

You can check your Personal Loan status by contacting your Uttar Bihar Gramin Bank branch in person or through customer care number.

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