Vidharbha Konkan Gramin Bank Personal Loan Key Features Apr 26 2024
| Eligibility Criteria | Details |
| Age | 21-64 years |
| CIBIL score | 750 or above |
| Vidharbha Konkan Gramin Bank Personal Loan Interest Rate | 9.99% per annum |
| Lowest EMI per lakh | 3500/- |
| Tenure | 84 months |
| Vidharbha Konkan Gramin Bank Personal Loan Processing Fee | 1% to 2% |
| Prepayment Charges | no prepayment charges |
| Part Payment Charges | no part payment charges |
| Minimum Loan Amount | 1,50,000 |
| Maximum Loan Amount | 20,00,000 |
Vidharbha Konkan Gramin Bank Personal Loan Eligibility Criteria
Personal Loan Eligibility Criteria:
| CIBIL score | 750 and above |
| Age | 21-60 years |
| Min Income | Rs. 25,000/- per month |
| Occupation | salaried/self-employed |
Vidharbha Konkan Gramin Bank Personal Loan Interest Rate, Fees & Other Charges
| Category | Details |
| Vidharbha Konkan Gramin Bank Personal Loan Interest Rate | 9.99% per annum |
|
Vidharbha Konkan Gramin Bank Personal Loan Processing Charges |
1%-2% |
|
Prepayment Charges |
Bank Decision |
| Stamp Duty |
As per state laws |
|
Cheque Bounce Chgs |
N/A |
|
Floating Rate of Interest |
Not Applicable |
|
Overdue EMI Interest |
Bank Decision |
Vidharbha Konkan Gramin Bank Personal Loan Documents Required
| Form | Duly filled application form |
| Proof of Identity | Passport, driving license, Aadhar card, Voter ID card, PAN card, Government department ID card |
| Proof of Address | Bank account statement, the latest electricity bill, the latest mobile/telephone bill, the latest credit card statement, and the existing house lease agreement |
| Proof of Income | Latest salary slip showing all the transactions, form no.16 along with the recent salary certificate/document ( for people taking monthly salaries) |
Vidharbha Konkan Gramin Bank Personal Loan EMI Calculator
Vidharbha Konkan Gramin Bank Personal Loan Compared to Other Banks
| Bank | Interest Rate | Tenure | Loan Amount & Proc Fee |
| Vidharbha Konkan Gramin Bank | 9.99% | 12 to 60 months | Up to Rs. 20 lakh / – |
| HDFC Bank | 11.25% to 21.50% | 12 to 60 months | Up to Rs. 40 lakh / Up to 2.50% of the 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 | 15.75% to 24% | 12 to 60 months | Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount |
| Citibank | Starting from 10.99% | 12 to 60 months | Up to Rs. 30 lakh / Up to 3% of the loan amount |
| Vidharbha Konkan Gramin Bank | 11.50% to 19.25% | 12 to 60 months | Up to Rs. 20 lakh / Up to 2.25% of the loan amount |
Other Loan Products from Vidharbha Konkan Gramin Bank
- Mudra loan
- Home loan
- Vehicle loan
- Education loan
- VKGB Krishi Vahan Yojna
- VKGB Doctor plus
- Loan against property
- Gold loan
Why should you apply for Vidharbha Konkan Gramin Bank Personal Loan with Dialabank?
Dialabank assists you in choosing the best option of banks by giving you the up to date market comparison of various other banks so that you can make the right decision. At Dialabank we have already guided thousands of applicants to take the loan that they need without any hassle and look forward to doing so. Apply today to get the special deals and discounts on Vidharbha Konkan Gramin bank personal loan.
You can contact us on 9878981166 to get a Vidharbha Konkan Gramin Bank personal loan.
How to Calculate EMIs for Vidharbha Konkan Gramin Bank Personal Loan
These are the information that will be looked into to calculate your Vidharbha Konkan Gramin Bank personal loan EMI. Such as the amount borrowed as on, the interest that has to be paid, and the period of the loan.
Add these values in the calculator given below to find your equated monthly instalments.
Vidharbha Konkan Gramin Bank Personal Loan Processing Time
Processing time would tell you exactly how long it would take to process an application under standard situations. It usually starts the day we receive the application from the bank and ends when we make the decision regarding what loan we want and the amount to get credited.
Vidharbha Konkan Gramin Bank Personal Loan Preclosure Charges
One can pay the Vidharbha Konkan Gramin Bank Personal loan earlier itself without any pre-closure charges as it allows prepayment at nil charges in the case of floating rate personal loans. If the borrower makes a payment earlier, the outstanding balance of the principal amount of his loan decreases.
Pre Calculated EMI for Personal Loan
Types of Vidharbha Konkan Gramin Bank Personal Loan
Vidharbha Konkan Gramin Bank Personal Loan Balance Transfer
A personal loan balance transfer is a procedure in which the borrower transfers the outstanding principal of the personal loan from one lending institution to another to benefit from better terms such as a lower and collective interest rate on the outstanding loans.
Vidharbha Konkan Gramin Bank Personal Loan Top Up
The top-up loan is only given to customers who already have an existing relationship/account with the bank, the eligibility criteria are quite basic for the top-up plan. A customer who has taken a loan from the bank, irrespective of the type of the loan is taken, is eligible for a top-up loan.
Vidharbha Konkan Gramin Bank Personal Loan Overdraft Scheme
Vidharbha Konkan 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 Vidharbha Konkan Personal Loan Overdraft facility, the bank charges interest only on the amount you withdraw/utilize.
Vidharbha Konkan Gramin Bank Personal Loan Status
You can monitor the status of your Vidharbha Konkan Gramin Bank personal loan by the following measures:
- You could also visit the nearest loan branch and ask the bankers also for the same.
- Log In to the bank’s net banking portal, click on the loans from the top icon and click on enquire to check the status of your personal loan.
- Search for ‘personal loan status’ on google, click on the first link which will direct you to the loan status tracker webpage of Vidharbha Konkan Gramin Bank and fill in the required information to monitor the status of your loan.
Types of Vidharbha Konkan Gramin Bank Personal Loan
Home renovation loan
Vidharbha Konkan 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 Vidharbha Konkan Gramin Bank Home Renovation Loan are:
- The financing cost for Vidharbha Konkan 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 Vidharbha Konkan 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
Vidharbha Konkan Gramin Bank’s Holiday Loan can assist you in organizing your fantasy get-away with a minor issue. This individual advance from Vidharbha Konkan Gramin Bank can subsidize a scope of excursion related costs, including flight ticket booking, lodging facilities, guided visits, and so forth Key highlights of Vidharbha Konkan 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 Vidharbha Konkan Gramin Bank’s Fresher Funding is extraordinary. This credit alternative from Vidharbha Konkan Gramin Bank is intended to help freshers, for example, ongoing alumni looking for their first work. Some vital highlights of Vidharbha Konkan 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 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, Vidharbha Konkan 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.
- Vidharbha Konkan 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 for Vidharbha Konkan Gramin Bank Personal Loan?
To get a personal loan is quite easy; you just have to: Visit Dialabank to fill the application form. After this, you will get a call from our representatives. Our experts will then assist you through the complete procedure and inform you about the details of the loan. Given below are the steps you can follow for your reference.
- Visit Dialabank.
- You can also go directly to Vidharbha Konkan Gramin Bank personal loan on 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 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 Vidharbha Konkan Gramin Bank Personal Loan Application Status
To check the status of your Vidharbha Konkan 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 Vidharbha Konkan 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 to the Vidharbha Konkan Gramin Bank Portal
- Visit the official website of Vidharbha Konkan 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.
Vidharbha Konkan 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, Vidharbha Konkan Gramin Bank had reported the RBI-commanded one-time advantage of Vidharbha Konkan Gramin Bank 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 Vidharbha Konkan 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 Vidharbha Konkan 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.
Vidharbha Konkan Gramin Bank Customer Care
Customers can contact the Vidharbha Konkan Gramin Bank customer care via any of the following means:
- By Phone: You can call Vidharbha Konkan Gramin Bank on 07122224319 (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 Vidharbha Konkan 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 Vidharbha Konkan 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 Vidharbha Konkan Gramin Bank Personal Loan
✅ What is Vidharbha Konkan Gramin Bank personal loan?
A personal loan is a division loan that gives funds that the applicants can use for multiple purposes, unlike an auto loan or a mortgage, which is reserved only for the purchase of a certain property that is later used as a security for the loan.
✅ How does Vidharbha Konkan Gramin Bank personal loan work?
Since this is an unsecured loan you wouldn’t have to submit any prime security with the bank, all you need are the basic documents to show your income proof and for KYC. You would just have to visit the branch with the application form along with the documents and after the approval, the loan money will be credited into your bank account.
You can now use this money to provide for all your needs and repay it in easy monthly instalments.
✅ What is the personal loan rate of interest in Vidharbha Konkan Gramin Bank?
The personal loan rate of interest is 9.99% per annum in Vidharbha Konkan Gramin Bank.
✅ How much EMI on Vidharbha Konkan Gramin Bank Personal Loan?
EMI or equated monthly instalment, is one part of the equally divided monthly outgoes to clear off an outstanding loan within a stipulated time period. The amount that you pay depends on multiple factors such as the principal amount borrowed and the rate of interest.
✅ How much CIBIL score is required for a personal loan from Vidharbha Konkan Gramin Bank?
You need to have a credit score of 700 and above.
✅ What can I use Vidharbha Konkan Gramin Bank Personal Loan for?
You can use the personal loan from Vidharbha Konkan Gramin bank for a variety of financial needs such as the funding needed for your marriage or that of a relative, pay your bills, pay for any personal expenses, repair and refurbish your home, etc.
The opportunities are limitless and Vidharbha Konkan Gramin Bank can guide you by proving financial support through it all.
✅ What is the Vidharbha Konkan Gramin Bank Personal Loan closure procedure?
- Just go to the bank with the documents.
- Write a letter for pre-closure of the Vidharbha Konkan Gramin Bank Personal loan account.
- Pay the pre-closure charges as per Vidharbha Konkan Gramin Bank Personal Loan.
✅ What are Vidharbha Konkan Gramin Bank Personal Loan preclosure charges?
Vidharbha Konkan Gramin Bank Personal Loan preclosure charges are Nil.
✅ What is the Vidharbha Konkan Gramin Bank Personal Loan overdraft scheme?
For simplifying the process and providing you with a hassle-free service while processing an overdraft scheme at Vidharbha Konkan Gramin Bank 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 Vidharbha Konkan Gramin Bank online banking portal and from there you can fill out a simple form and get an overdraft under your name.
✅ What is the Vidharbha Konkan Gramin Bank Personal Loan maximum tenure?
The Vidharbha Konkan Gramin Bank Personal loan maximum tenure is up to 84 months.
✅ What is the Vidharbha Konkan Gramin Bank Personal Loan minimum tenure?
The Vidharbha Konkan Gramin Bank Personal Loan minimum tenure is 12 months.
✅ What is the Vidharbha Konkan Gramin Bank Personal Loan customer care number?
The customers get in touch with the bank via call on 9878981166.
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