Uttarakhand Gramin Bank Personal Loan Key Features
| Eligibility Criteria | Details |
| Age | 21-58 yrs (at loan Maturity) |
| CIBIL | 750 and above |
| Uttarakhand Gramin Bank Personal Loan Interest Rate | 9.99% per annum |
| Lowest EMI per lakh | NIL |
| Tenure | 12 to 60 months |
| Uttarakhand Gramin Personal Loan Bank Processing Fee | 1% to 2% |
| Prepayment Charges | NIL |
| Part Payment Charges | NIl |
| Minimum Loan Amount | Rs. 50,000 |
| Maximum Loan Amount | Rs. 40 lakh |
Uttarakhand Gramin Bank Personal Loan Eligibility Criteria
Personal Loan Eligibility Criteria:
| CIBIL score | 750 and above |
| Age | 21 – 58 yrs |
| Min Income | Rs. 18,000 |
| Occupation | Salaried/Self-Employed |
Uttarakhand Gramin Bank Interest Rate and Charges
| Uttarakhand Gramin Bank Personal Loan Interest Rate | 9.99% per annum |
| Uttarakhand Gramin Bank Personal Loan Processing Charges | 1% to 2% |
| Prepayment Charges | 36 months: 2% of loan principal outstanding”}”>NIL |
| Stamp Duty | NIL |
| Cheque Bounce Charges | NIL |
| Penal Interest | NIL |
| Floating Rate of Interest | NIL |
Uttarakhand Gramin Bank Personal Loan Documents Required
| Form | Duly filled application form |
| Proof of Identity | Passport\n> Driving License\n> Aadhar Card\n> Voter ID Card”}”>Copy of: > Passport > Driving License > Aadhaar 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 | ITRs : Last two Assessment years\n> Salary Slip: Last 6 months\n> Bank Statement: Last 3 months”}”>> ITR: Last two Assessment years > Salary Slip: Last 6 months > Bank Statement: Last 3 months |
Uttarakhand Gramin Bank EMI Calculator Personal Loan
Uttarakhand Gramin Bank Personal Loan Compared to Other Banks
| Particulars | Uttarakhand Gramin Bank | HDFC Bank | Bajaj Finserv | Axis Bank | Citibank | Uttrakhand Gramin 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. 40 lakh | 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 | Up to 1.80% of the loan amount | 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 Uttarakhand Gramin Bank
| Gold Loan | Car Loan | Home Loan | Business Loan |
| TWL | LAP | Credit Card | Education Loan |
Why should you apply for Uttarakhand Gramin Bank Personal Loan with Dialabank?
Dialabank has one of the prime and trustworthy operators. You will get the best and the best services. Our operators will guide you in the processing of the personal loan.
How to Calculate EMIs for Uttarakhand Gramin Bank Personal Loan
The required information for the calculation of Uttarakhand Gramin Bank Personal Loan EMI:
- Loan tenure
- Interest Rate
- Loan Amount
Uttarakhand Gramin Bank Loan Processing Time
Processing time refers to the time taken for the application process for the loan approval. This bank will process your loan application in 2 days.
Uttarakhand Gramin Bank Personal Loan Pre-closure charges
Pre-closure is a process in which you have paid the loan amount in advance which is beneficial for you. It will lower your interest rate.
Uttarakhand 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 way repay the got out absolutely at whatever point the condition is ideal. From this time forward, it is possibly the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.
Apply for an overdraft office as a Uttarakhand Gramin Bank for an unexpected new turn of events. The versatile improvement office has all the gigantic features of a slight overdraft credit.
Pre Calculated EMI for Personal Loan
| Loan Amount | EMI |
| Rs. 15 lakh | NIL |
| Rs. 35 lakh | NIL |
Different Personal Loan offers by Uttarakhand Gramin Bank
Uttarakhand Gramin Bank Home Loan
- Uttarakhand Gramin Bank presents a home loan for you.
- You can avail of home loans for construction and renovation.
Uttarakhand Gramin Bank Personal Loan for Govt Employees
- This bank proffers loans to Govt. employees.
- The loan amount is decided according to your company’s reputation.
Uttarakhand Gramin Bank Education Loan
- Presents education loan for studies in India and Abroad.
- For studies in India, the loan amount is Rs. 10 lac.
- For studies Abroad, the loan amount is Rs. 20 lac.
Uttarakhand Gramin Bank Personal Loan for Car
- Proffers car loans.
- Loan for new and the used car.
Uttarakhand Gramin Bank Personal Loan Balance Transfer
A balance transfer is the loan amount transferring from one institute to another.
Uttarakhand Gramin Bank Personal Loan Top Up
A top-up loan is a secondary amount by a finance company added to the current loan amount.
Uttarakhand Gramin Bank Personal Loan Status
You can visit the personal loan branch of Uttarakhand Gramin Bank and contact the loan officer.
Types of Uttarakhand Gramin Bank Personal Loan
Home Renovation Loan
Uttarakhand Gramin Bank offers home redesign credit for people who wish to get their homes 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 Uttarakhand Gramin Bank Home Renovation Loan are:
- The financing cost for Uttarakhand Gramin 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 Uttrakhand Gramin 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
Uttarakhand Gramin Bank’s Holiday Loan can assist you in organizing your fantasy get-away with a minor issue. This individual advance from Uttarakhand Gramin Bank can subsidize a scope of excursion related costs, including flight ticket booking, lodging facilities, guided visits, and so forth Key highlights of Uttrakhand Gramin 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 Uttarakhand Gramin Bank’s Fresher Funding is extraordinary. This credit alternative from Uttarakhand Gramin Bank is intended to help freshers, for example, ongoing alumni looking for their first work. Some vital highlights of Uttarakhand Gramin 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 of 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, Uttarakhand Gramin 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.
- Uttarakhand Gramin 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 Online for Uttarakhand Gramin Bank Personal Loan?
To apply for a Uttarakhand Gramin Bank Personal Loan online, you can visit its online portal or download its mobile app. To apply through Dialabank:
- Visit our Dialabank.
- Click on the personal loan option on the menu.
- Fill up the form with your details.
- We will shortlist offers for you and mail them to you.
- We will then call you and assist you further.
- Thus, you can avail yourself of the best personal loan offer in record time.
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 Uttarakhand Gramin Bank Personal Loan Application Status
To check the status of your Uttarakhand Gramin 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 Uttarakhand Gramin 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 in Uttarakhand Gramin Bank portal
- Visit the official website of Uttarakhand Gramin 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.
Uttarakhand Gramin BankPersonal 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, Uttarakhand Gramin Bank had reported the RBI-commanded one-time advantage of Uttrakhand Gramin Bank’s 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 Uttarakhand Gramin 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 Uttarakhand Gramin 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.
Uttarakhand Gramin Bank Customer Care
Customers can contact the Uttarakhand Gramin Bank customer care via any of the following means:
- By Phone: You can call Uttrakhand Gramin Bank on 0135-2669883 (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 Uttarakhand Gramin 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 Uttarakhand Gramin 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 Uttarakhand Gramin Bank Personal Loan
✅ How to apply for Uttarakhand Gramin Bank Personal Loan?
There are two ways to apply for a personal loan from Uttarakhand Gramin Bank. The first is to visit the nearest Uttrakhand Gramin Bank branch. The second way is to submit a simple form online with Dialabank.
✅ What is the Interest Rate for Uttarakhand Gramin Bank Personal Loan?
Uttarakhand Gramin Bank charges the interest rate for a personal loan starts from 9.99% per annum.
✅ What is the minimum age for getting a Personal Loan from Uttarakhand Gramin Bank?
You must be 21 years to apply for a personal loan with Uttrakhand Gramin Bank.
✅ What is the maximum age for getting a Personal Loan from Uttarakhand Gramin Bank?
The maximum age for getting a personal loan from Uttarakhand Gramin Bank is 58 years.
✅ What is the minimum loan amount for Uttarakhand Gramin Bank Personal Loan?
The minimum loan amount that you can avail of from Uttarakhand Gramin Bank is Rs. 50,000 for a personal loan.
✅ What is the maximum loan amount for Uttarakhand Gramin Bank Personal Loan?
You can avail of the maximum loan amount from Uttarakhand Gramin Bank is up to Rs. 40 lakh for a personal loan.
✅ What are the documents required for Uttarakhand Gramin Bank Personal Loan?
Aadhaar card, driving license, voter ID, salary certificate, and form number 16, ITR of the last 2 financial years are the documents required to apply for a personal loan from Uttrakhand Gramin Bank.
✅ What is the Processing Fee for Uttarakhand Gramin Bank Personal Loan?
The processing fee charged by Uttarakhand Gramin Bank is up to 1% to 2% of the loan amount.
✅ How to get Uttarakhand Gramin Bank Personal Loan for Self Employed?
Uttarakhand Gramin Bank provides a special offer for self-employed to help them financially. You must have the ITR files for the last two years.
✅What is the Maximum Loan Tenure for Uttarakhand Gramin Bank Personal Loan?
The maximum loan tenure period for a personal loan from Uttarakhand Gramin Bank is 60 months or 5 years.
✅ What should be the CIBIL Score for Uttarakhand Gramin Bank Personal Loan?
The CIBIL score for getting a personal loan from Uttarakhand Gramin Bank should be 750 and above.
✅ Do I have a preapproved offer for Uttarakhand Gramin Bank Personal Loan?
You can check out your preapproved personal loan offers from Uttarakhand Gramin Bank through Dialabank. You can check out the offers for you at Dialabank.
✅ How to calculate EMI for Uttrakhand Gramin Bank Personal Loan?
You can calculate your personal loan EMI for Uttarakhand Gramin Bank through the EMI calculator convenient at Dialabank’s website.
✅ How to pay Uttarakhand Gramin Bank Personal Loan EMI?
Your personal loan EMIs subtracts automatically from your bank account. You can also use the net-banking service of Uttarakhand Gramin Bank for your personal loan payments.
✅ How to close Uttarakhand Gramin Bank Personal Loan?
You can close your personal loan by paying all the outstanding personal loan amounts and receive the no dues certificate from the Uttarakhand Gramin Bank branch.
✅ How to check Uttrakhand Gramin Bank Personal Loan Status?
You can check your personal loan status by a visit to the Uttarakhand Gramin Bank branch. On the other hand, you can visit Dialabank and fill a simple form and let us allow you to do work for you.
✅ How to close Uttrakhand Gramin Bank Personal Loan Online?
For closing your personal loan online from Uttarakhand Gramin Bank, you have to follow the instructions given below:
- Visit the net-banking page of Uttarakhand Gramin Bank.
- Log in by filling in the details.
- Pay your personal loan.
- Save the transaction receipt.
✅ How to pay Uttarakhand Gramin Bank Personal Loan EMI Online?
You can pay your personal loan EMIs online through the net banking facility of Uttarakhand Gramin Bank. For getting a low-EMI personal loan, Dialabank can provide the best service.
✅ How to check Personal Loan Balance in Uttarakhand Gramin Bank?
For checking your personal loan balance in Uttarakhand Gramin Bank, you will contact the customer care number of Uttrakhand Gramin Bank. If you are searching for low-interest personal loans, you can visit Dialabank and fill a simple form for Personal Loan Balance Transfer and the rest will do by the bank.
✅ How to download Uttarakhand Gramin Bank Personal Loan Statement?
The personal loan statement of Uttarakhand Gramin Bank can be downloaded using Uttarakhand Gramin Bank’s mobile banking app. You can visit Dialabank and know about the offers for you.
✅ How to Top Up Personal Loan in Uttarakhand Gramin Bank?
If you want a top-up on your personal loan from Uttarakhand Gramin Bank, you will contact the loan officer. You will also apply for a Personal Loan Top Up through Dialabank.
✅ What happens if I don’t pay my Uttarakhand Gramin Bank Personal Loan EMIs?
If you don’t pay your personal loan EMIs, then Uttarakhand Gramin bank will charge a penal interest. You can apply for a balance transfer using Dialabank to get low-interest personal loans.
✅ What relaxation scheme and moratorium Uttarakhand Gramin Bank provides about Personal Loan due to Covid 19?
The credit goal system presented by Uttarakhand Gramin 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.
✅ How to find Uttarakhand Gramin Bank’s personal Loan account number?
You will require to contact your Uttarakhand Gramin bank loan branch to know your personal loan account number. You just fill a form by a visit to Dialabank
✅ What is the Uttarakhand Gramin Bank personal loan customer care number?
Contact 9878981166 for any queries.
✅ What are the Uttarakhand Gramin Bank Personal Loan pre-closure charges?
Preclosure is a process in which you have paid the loan amount in advance which is beneficial for you. It will lower your interest rate.
✅ What is the Uttarakhand 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 Uttarakhand 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 way repay the got out absolutely at whatever point the condition is ideal. From this time forward, it is possibly the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.
Other Banks For Personal Loan
| Baroda UP Gramin Bank Personal Loan | |
| Baroda Gujarat Gramin Bank Personal Loan | |
| Bangiya Gramin Vikas Bank Personal Loan | |
| Assam Gramin Vikash Bank Personal Loan |
