Uttrakhand Gramin Bank Personal Loan

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Why us?

Rates as low as 10.50%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

About Uttrakhand Gramin Bank Personal Loan

Uttarakhand Gramin Bank stands in the second of the position of being the largest bank of Uttrakhand in comparison to the branch network. Fifty percent of the capital is owned by the government of India and the remaining 35 percent, and 15 percent are owned by State bank of India and government of Uttrakhand respectively.
With more than 200 branches established in the rural parts of the state, the bank is providing financial products to the rural population of Uttrakhand. In addition to this, the bank was formed in the late of 2012 by the sponsorship of state bank if India.
With the collaboration of two banks namely Uttaranchal Gramin Bank and Nainital Almora Kshetriya Gramin Bank the Uttrakhand Gramin Bank came into existence. One of the frequently availed banking product that the bank provides is a personal loan.

The process of Uttrakhand Gramin Bank Personal Loan

  1. Firstly, you need to apply for a personal loan. Which you can do via internet portals such as Paisso and DialaBank.
  2. After that, the bank gets your loan request, and one of the bank employees will cross-check whether the information is correct or not.
  3. Also, at this stage bank evaluates your income eligibility and your credit score or CIBIL score.
  4. Once your application passes all the test bank decides the loan amount and the rate of interest.
  5. If you accept the offered interest rate and loan amount the disbursal of the loan takes place.

Uttrakhand Gramin Bank Personal Loan Eligibility

For the salaried applicant:
  1. Firstly, the age of the applicant has to be above 21 years. On the other hand, maximum age to avail this loan is 61.
  2. Likewise, you need to have an account in a bank along with this, and your salary needs to come to that bank account.
  3. Last but not least for availing personal loan from Uttrakhand Gramin bank a salaried applicant’s CIBIL needs to be at least 750.
  4. Also, 18,000 Rs is the minimum monthly salary that bank requires in case of a salaried applicant.
For self-employed borrower:
  1. Firstly, as an independent applicant, your business should be in service for about three years at least.
  2. Furthermore, the applicant’s business must yield a minimum annual turnover of 30Lacs.
  3. Likewise, the required age for the self-employed applicant is 25 years to 65 years for taking this loan
  4. Lastly, CIBIL or the credit score of the borrower needs to be above 750.

Uttrakhand Gramin Bank Personal Loan Documents

  1. Firstly, a residential Proof document such as Aadhar card, PAN card, Ration card, voter ID card, driving license, or passport. If you are paying rent, you can provide the papers of your rental agreement or water/electricity bills for the past three months.
  2. Secondly, any one of the identity Proof like an Aadhar card, PAN card, Driving license, voter ID card or your passport.
  3. For the salaried applicant, the bank requires the latest six months of bank statement and six months of salary receipt.
  4. Now in case of independent applicant bank require last years ITR papers along with audited financial papers of the past year.

Uttrakhand Gramin Bank Personal Loan Interest Rate

Uttrakhand Gramin Bank Personal Loan

10.70% is the annual rate of interest you can get while availing for a personal loan. Also, one more thing to keep in mind is that personal loan comes with foreclosure ability.
It means you can close the loan before time and save some money. You only need to pay the loan amount along with the foreclosure penalty which ranges from 0-3% of the total amount.
Once you repay these two amounts, you don’t need to pay the remaining EMI’s and their respective rate of interest.

Uttrakhand Gramin Bank Personal Loan Benefits

  1. Firstly, you get the funding at a low-interest rate which you can quickly repay during the tenure period.
  2. Also, the documentation process is fast and consumes less time.
  3. If your application full-fill all the criteria that bank requires you can expect your loan request to get approval within 30 minutes.
  4. In addition to this, for taking this loan at such an affordable interest rate, you don’t have to provide any collateral to the bank.
  5. As a result, the loan amount entirely depends on the documents that the applicant has given to the bank.
  6. Are you thinking about taking a break from work to spend some time with your family? You can make a personal loan.
  7. The bank never asks you mention the reason for taking a personal loan. Therefore, you can do whatever you want to do with its principal amount.
  8. Lastly,  both salaried and self-employed are eligible to take this loan required they meet banks standards.

How to avail Uttarakhand Gramin Bank Personal Loan?

See first of all you need to go DialaBank.com.

  1. Once you reach there to fill your contact details along with your necessary information.
  2. It is required that you fill your contact which is working and you take it with you.
  3. Now your work is done to sit back and relax our RM will soon be in touch with you.
  4. Our RM will guide you through the best loaning deals and offers which you can get on your loan.
  5. We make sure you get the high loan to value ratio.
  6. With Dialabank you will surely be getting the lowest rate interest rate.

FAQs About Uttarakhand Gramin Bank Personal Loan

Q. What is Uttrakhand Gramin Bank Personal Loan?

When you are in urgent need of financial help you can apply for a Personal Loan from Uttrakhand Gramin Bank. A Personal Loan can be availed without the need for submitting a security and loan amount can be used for any personal need.

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

Personal Loan rate of interest in Uttrakhand Gramin Bank starts at 10.75% per annum. You can visit Dialabank’s online portal to compare the rates of different banks and finance companies across India.

Q. How can I get Uttrakhand Gramin Bank Personal Loan?

To get a Personal Loan you will have to visit the nearest branch with basic KYC documents, PAN card, and income proofs(salary slips, bank statement). You can also contact Dialabank to avail of the best financial advice and get the personally curated deals and offers for all your financial needs.

Q. How to apply for Personal Loan in Uttrakhand Gramin Bank?

Apply for a Personal Loan by walking into the nearest Uttrakhand Gramin Bank branch with all the requisite documents. You can also apply online with Dialabank and avail personalized assistance for all your financial needs.

Q. Why apply for Uttrakhand Gramin Bank Personal Loan?

Uttrakhand Gramin Bank Personal Loans can be used for any personal financial needs. Be it a wedding, travel, bills, repair and renovation of home, and etc. You do not have to provide any collateral security in exchange for your loan and the repayment can be done in monthly installments, EMIs.

Q. How much EMI on Uttrakhand Gramin Bank Personal Loan?

Calculate your Uttrakhand Gramin Bank Personal Loan EMI using your loan tenure, loan amount, and rate of interest on Dialabank’s EMI calculator and apply for all your loan needs with us.

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

A CIBIL score above 700 is preferred by Uttrakhand Gramin Bank to disburse a Personal Loan. Being an unsecured loan your CIBIL score plays a big role in determining your loan eligibility as it calculates the risk of default for your lender.

Q. Minimum credit score needed for Uttrakhand Gramin Bank Personal Loan?

The credit score is a measurement and estimate of your creditworthiness. Uttrakhand Gramin Bank requires you to have a credit score of at least 700 to consider your loan application for approval.

Q. How to calculate Uttrakhand Gramin Bank Personal Loan EMI?

Use your loan amount, loan tenure, and rate of interest to calculate your Personal Loan EMI using the EMI calculator available on Dialabank’s website.

Q. What can I use Uttrakhand Gramin Bank Personal Loan for?

You can use your Uttrakhand Gramin Bank Personal Loan for a number of financial needs such as funding your marriage or that of a relative, pay all your big and small bills, renovate or repair your home, and etc.

Q. Can I prepay Uttrakhand Gramin Bank Personal Loan?

If you have the required funds you can pre-close your loan by visiting the branch of Uttrakhand Gramin Bank from where your loan was approved and asking your banker about the prepayment facilities.

Q. How to prepay Uttrakhand Gramin Bank Personal Loan?

When you have the required money and feel the need to close your loan at once, just visit the nearest Uttrakhand Gramin Bank branch with your loan documents and apply for a foreclosure. You may be asked to pay a small foreclosure fee in addition to your outstanding loan amount.

Q. How to repay Uttrakhand Gramin Bank Personal Loan?

Repay your Personal Loan in easy burden-free EMIs that are automatically deducted from your bank account each month. Your Uttarakhand Gramin Bank Personal Loan can be repaid through post-dated cheques too.

Q. What documents are needed for Uttrakhand Gramin Bank Personal Loan?

Aadhar Card/Voter ID, PAN Card, Salary Slips, Bank Statement, and ITR File are the documents that are required to avail a Personal Loan from Uttarakhand Gramin Bank.

Q. How to check Uttrakhand Gramin Bank Personal Loan status?

Visit your loan branch or contact the customer care number of Uttrakhand Gramin Bank to know the status of your loan application and stay updated.

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