Assam Gramin Vikash Bank Personal Loan Key Features Nov 14 2024
| Eligibility Criteria | Details |
| Age | 21 – 60 Years |
| CIBIL score | 600 or above |
| Assam Gramin Vikash Bank Personal Loan Interest Rate | 9.99% per annum |
| Lowest EMI per lakh | Rs. 2214 |
| Tenure | 12 to 60 months |
| Assam Gramin Vikash Bank Personal Loan Processing Fee | 1% to 2% |
| Prepayment Charges | NIL |
| Part Payment Charges | NIL |
| Minimum Loan Amount | Rs. 50,000 |
| Maximum Loan Amount | Rs. 5 Lakhs |
Assam Gramin Vikash Bank Personal Loan Eligibility Criteria
Personal Loan Eligibility criteria are as follows:
| CIBIL score | 600 or above |
| Age | 21 to 60 years |
| Min Income | Rs. 20,000 |
| Occupation | Salaried/Self-Employed |
Assam Gramin Vikash Bank Personal Loan Fees and Other Charges
| Assam Gramin Vikash Bank Personal Loan Interest Rate | 9.99% per annum |
| Assam Gramin Vikash Bank Personal Loan Processing Charges | 1% to 2 % |
| Prepayment Charges | NIL |
| Stamp Duty | As per state law |
| Cheque Bounce Charges | Rs. 100 |
| Penal Interest | As per bank terms |
| Floating Rate of Interest | Not Applicable |
Assam Gramin Vikash Bank Personal Loan Documents Required
| Form | Duly filled application form |
| Proof of Identity | Copy of: > Passport > Driving License > Aadhar 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 | > ITR: Last two Assessment years > Salary Slip: Last 6 months > Bank Statement: Last 3 months |
Assam Gramin Vikash Bank Personal Loan EMI Calculator
Assam Gramin Vikash Bank Personal Loan Compared to Other Banks
| Bank | Interest Rate | Tenure | Loan Amount & Proc Fee |
| Assam Gramin Vikash | 9.99% | 12 to 60 months | Up to Rs. 5 lakh / Up to 0.50% of the loan amount |
| 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 |
| Private 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 Assam Gramin Vikash Bank
| Gold Loan | Car Loan | Home Loan | Business Loan |
| TWL | LAP | Credit Card | Education Loan |
Why should you apply for Assam Gramin Vikash Bank Personal Loan with Dialabank?
Dialabank compares offers from different banks across the country to help you choose the best offer. All you need to do is visit our website and fill a form, and we assist you with all your needs.
How to Calculate EMIs for Assam Gramin Vikash Bank Personal Loan
You can calculate your EMIs using the below-given calculator:
Assam Gramin Vikash Bank Personal Loan Processing Time
The General waiting time for your personal loan application to process is at least a week. For the borrowers, who have an account with the bank, disbursal time is only about 48 hours.
Assam Gramin Vikash Bank Personal Loan Preclosure Charges
Assam Gramin Vikash Bank allows you to close your personal loan without any additional charges. You only need to pay the outstanding principal amount of your loan.
Assam Gramin Vikash 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 manner reimburse the got out totally at whatever point the condition is ideal. From this time forward, it is conceivably the most favoured credit choices that benefitted to meet changing individual supporting necessities unbounded.
Apply for an overdraft office as an Assam Gramin Vikash Bank Personal Loan. The adaptable improvement office has all the huge highlights of a weak overdraft credit.
Pre Calculated EMI for Personal Loan
Types of Assam Gramin Vikash Bank Personal Loan
Assam Gramin Vikash Bank Marriage Loan
Weddings are happy occasions and are very important in India, but they prove to be very costly and can cause financial problems. You can apply for a personal loan and do away with all the worries related to money.
Assam Gramin Vikash Bank Personal Loan for Government Employees
Central and state government employees get extra benefits and discounts for a personal loan. Assam Gramin Vikash Bank offers specially tailored loans to help you meet your needs.
Assam Gramin Vikash Bank Doctor Loan
If you are a doctor and have been practising for more than 4 years, you can find personal loan offers that are customized as per your personal and professional needs.
Assam Gramin Vikash Bank Personal Loan for Pensioners
Retired administration workers who withdraw their pension from the bank account of Assam Gramin Vikash Bank can receive a personal loan to satisfy their post-retirement costs.
Assam Gramin Vikash Bank Personal Loan Balance Transfer
You can transfer your heavy EMI personal loan from your existing lender to a new one under the personal loan balance transfer scheme of Assam Gramin Vikash Bank.
Assam Gramin Vikash Bank Personal Loan Top Up
Need more money on your personal loan? You can apply for a personal loan top-up and get extra funds to meet your needs.
Assam Gramin Vikash Bank Personal Loan Status
To check the status of your Assam Gramin Vikash Bank personal loan, you will need to visit the bank branch in person.
Types of Assam Gramin Vikash Bank Personal Loan
Home renovation loan
Assam Gramin Vikash Bank provides individuals who plan to renovate their homes with a home improvement loan. This personal loan can fund critical repairs or allow the borrower to purchase new furniture, fixtures, and furniture for the house. Four of the Assam Gramin Vikash Bank Home Renovation Loan’s major features are:
- The Home Renovation Loan of Assam Gramin Vikash Bank’s interest rate starts at as low as 11.25%.
- Individuals will be liable to renew their homes with a loan of up to Rs. 20 Lakh.
- Assam Gramin Vikash Bank’s home improvement loan needs minimum paperwork to free up the whole credit process.
- Usually, within 72 hours after the bank accepts the applications, the loan balance will be credited to the account.
Holiday loan
The holiday loan from Assam Gramin Vikash Bank will help you budget for your dream vacation with limited difficulties. Several holiday-related expenses will be funded by this personal loan from Assam Gramin Vikash Bank, including the booking of flight fares, hotel accommodation, guided tours, etc. The Assam Gramin Vikash Bank Holiday Loan’s key features are:
- Interest rates on holiday loans starting at 11.25 percent p.a.
- You should use up to Rs 20 Lakh easily so that a financial crunch would not spoil your perfect vacation
- Simplified and limited paperwork means fast and easy funding for your holiday.
- Quick processing of the loan directly credited to your account and disbursement
Fresher funding
Most unsecured personal loans are meant for individuals with a daily income, while the Fresher Funding of Assam Gramin Vikash Bank is distinct. The loan option provided by Assam Gramin Vikash Bank is intended to help refreshers, i.e. recent graduates searching for their first job. Few of Assam Gramin Vikash Bank Fresher Personal Loan Funding’s main features are as follows:
- Up to Rs 1.5 lakh loan
- A candidate must be 21 years of age or older.
- The personal loan interest rate for Fresher Funding depends on the applicant’s profile, credit history/score, applicant’s age, and place.
NRI Personal Loan
Knowing the wishes and desires of NRIs, Assam Gramin Vikash Bank provides NRIs directly with a personal loan. An Indian resident must be the main loan borrower, and a close relative must be the NRI co-applicant. The Personal Loan includes the following features for NRIs:
- Assam Gramin Vikash Bank offers NRIs with adjustable end-use personal loans of up to Rs. 10 lakh.
- NRI Personal Loan interest rates launch at 15.49 percent p.a.
- Up to 36 months is the term of the loan.
How to Apply for Assam Gramin Vikash Bank Personal Loan?
- Visit Dialabank
- You can also visit Assam Gramin Vikash Bank Personal Loan directly on Dialabank.
- Check whether you have documents, you are eligible or there are any requirements.
- Fill in a simple online form for our research.
- We will connect with you after form submission.
- This way, you can get your loan approved in no time.
- Also, you can call on 9878981166 to know more.
The personal loan verification process
Following the online submission of your loan application to Dialabank, the following are the principal stages of the personal loan authentication process.
Stage 1. Dialabank will forward to your chosen lender your loan application, and you will usually get a call from the representative of the lender within 48 hours.
Stage 2. The possible lender can arrange for your KYC documents, salaries, etc. to be collected or provide an opportunity to upload them online. To confirm your submission, these documents will be used.
Stage 3. You will get another call to confirm the loan bid and seek your permission for disbursement if the lender’s verification has been fulfilled and your loan has been approved.
Stage 4. The loan is normally disbursed within 48 hours of the loan’s acceptance and adequate verification.
Note: The timeframe for verification/disbursement of personal loans, as stated above, can vary based on the internal criteria of the lender, as well as other parameters.
Check your Assam Gramin Vikash Bank Personal Loan Application Status
The process for checking your application’s status requires the following steps:
- Visit the official website of Assam Gramin Vikash Bank, click on ‘Products’, and select ‘Personal Loans.’
- Click ‘More and choose’ Review Loan Application Status.’ on the next tab that opens below.
- Firstly, by submitting details such as your contact number, date of birth, and either entering the OTP you get on your mobile number or using your application number, you can check your application status.
How to login into the Assam Gramin Vikash Bank Portal
- Visit the Official Website of Assam Gramin Vikash Bank.
- In the upper right corner of the screen, press the ‘Login’ button.
- Using your user ID and password or your registered cell phone number to log in.
How to Check Your Loan Statement
By taking the following steps, customers can download the bank’s loan statement:
- Visit the official website of the bank.
- Tap ‘Get in touch’ and click ‘Requests for help’ from the drop-down column.
- On the next page that opens, pick ‘Personal Loan Related’ under the ‘Loans’ menu.
- Next, press the ‘Loan Account Statement Order’ button.
- To make use of the bank’s loan statement, log in using your user ID and password or using your registered cell phone number and OTP.
Assam Gramin Vikash Bank Personal Loan Restructuring (COVID-19)
Many borrowers have been adversely affected by the national lockout due to the COVID-19 pandemic, and a six-month moratorium on various term loans has been declared to some degree to minimize its impact. Assam Gramin Vikash Bank announced an RBI-mandated one-time gain from the Assam Gramin Vikash Bank loan restructuring after the six-month moratorium was terminated. This mechanism aims at providing continued relief to borrowers who are still unable to repay their daily EMI due to the ongoing financial distress of the pandemic.
To minimize the monthly EMI payments, the loan settlement scheme implemented by Assam Gramin Vikash Bank provides for an extended moratorium of up to 2 years or an extension of the current period of maturity. It is necessary to bear in mind, of course, that the restructuring of the loan by Bajaj Finance employees would result in additional interest rates exceeding those applicable to the initial loan. Using this relief method only as a last resort is also necessary so that the unpaid loan does not end up defaulting.
Assam Gramin Vikash Bank Customer Care
Customers can approach Assam Gramin Vikash Bank’s Customer Support via any of the following means:
By phone: You can call Assam Gramin Vikash Bank on 9957183637 (toll-free)
Callback order: You can also make a return call by accessing the bank’s website.
Online Chatbot: You can even have an apple Chatbot online to answer your questions.
Visit Branch: To obtain your requests, visit the nearest Assam Gramin Vikash Bank branch.
Benefits of Applying for Personal Loan on Dialabank
On the Dialabank website, there are many drawbacks to applying for a personal loan. Below, some of these are given:
- 24 x 7 Accessibility: You can reach the Dialabank website anywhere, wherever and even apply at any time for a personal loan from the comfort of your home or office.
- Multiple lenders on a single platform: Dialabank helps you to view personal loan offers on a single platform from multiple prospective lenders, avoiding the need to visit multiple bank websites or branches.
- Know EMI instantly: On the DialaBank website, use the personal loan EMI calculator, and you can check the EMIs that you are going to pay for on a personal loan right before applying for one. It can allow you to borrow the amount you need, which you will repay easily and have a stable payment schedule.
- Free of charge: Also, when applying for a personal loan on Dialabank, you are not required to incur any fees.
Important Aspects
Below are some important items you need to note when applying to Assam Gramin Vikash Bank for a personal loan:
- It is still a smart thing to review your credit report before applying for a personal loan. A decent credit score increases the chances of accepting the loan and will make it possible for you to use a personal loan in more desirable conditions.
- It is advisable to compare the expense of a personal loan (interest rates and all associated fees) issued by various lenders on Dialabank before finalizing a particular lender.
- As per your wishes and ability to repay, borrow. Avoid borrowing only because you have the right to borrow a bigger amount. It will just add to the interest rate and will have no long-term advantages.
- Avoid applying for individual loans concurrently with many lenders. It reveals that you are credit-hungry and therefore increases the amount of demanding credit report requests that can negatively impact your credit score.
FAQs About Assam Gramin Vikash Bank Personal Loan
✅ How to apply for Assam Gramin Vikash Bank Personal Loan?
You can apply for a personal loan with Assam Gramin Vikash Bank by visiting the nearby branch of Assam Gramin Vikash Bank or by a simple form submission with Dialabank. With Dialabank, you get the satisfaction to apply from anywhere and get quick online approval.
✅ What is the Interest Rate for Assam Gramin Vikash Bank Personal Loan?
The interest rate of Assam Gramin Vikash Bank starts at 9.99% per annum for their personal loan products.
✅ What is the minimum age for getting a Personal Loan from Assam Gramin Vikash Bank?
Your minimum age must be 21 years to apply for a personal loan with Assam Gramin Vikash Bank.
✅ What is the maximum age for getting a Personal Loan from Assam Gramin Vikash Bank?
The maximum age for getting a personal loan from Assam Gramin Vikash Bank is 60 years.
✅ What relaxation scheme and moratorium Assam Gramin Vikas Bank provides about Personal Loan due to COVID 19?
A 6 months moratorium is provided by Assam Gramin Vikas Bank.
✅ What is the minimum loan amount for Assam Gramin Vikash Bank Personal Loan?
You can avail of a minimum loan amount from Assam Gramin Vikash Bank Personal Loan is Rs. 50,000.
✅ What is the maximum loan amount for Assam Gramin Vikash Bank Personal Loan?
Assam Gramin Vikash Bank proffers you to take a maximum loan amount of Rs. 5 lakhs under the personal loan scheme.
✅ What are the documents required for Assam Gramin Vikash Bank Personal Loan?
You will require an Aadhaar card/Voter ID, PAN card, salary slips, the ITR files of the last two years, and two recently clicked photographs for a personal loan from Assam Gramin Vikash Bank.
✅ What is the Processing Fee for Assam Gramin Vikash Bank Personal Loan?
Assam Gramin Vikash Bank Personal Loan charges a processing fee of up to 1% to 2% of the loan amount plus GST.
✅ How to get Assam Gramin Vikash Bank Personal Loan for Self Employed?
Assam Gramin Vikash Bank provides offers for self-employed to meet their financial needs. You must have the ITR files of the last two years as income proof.
✅ What is the Maximum Loan Tenure for Assam Gramin Vikash Bank Personal Loan?
The maximum loan tenure period for a personal loan from Assam Gramin Vikash Bank is 60 months.
✅ What should be the CIBIL Score for Assam Gramin Vikash Bank Personal Loan?
You should have a CIBIL score of at least 600 or above for availing of a personal loan from Assam Gramin Vikash Bank.
✅ Do I have a preapproved offer for Assam Gramin Vikash Bank Personal Loan?
You can examine your preapproved personal loan offers from Assam Gramin Vikash Bank with Dialabank. Just fill a simple form, and we will look over the best offers for you and help you to choose the best.
✅ How to calculate EMI for Assam Gramin Vikash Bank?
Make use of the EMI Calculator available at Dialabank’s website to calculate EMIs from Assam Gramin Vikash Bank Personal Loan.
✅ How to pay Assam Gramin Vikash Bank Personal Loan EMI?
Your personal loan EMIs are automatically take off from your bank account every month from Assam Gramin Vikash Bank. You can also utilize the net-banking facility of Assam Gramin Vikash Bank to pay your personal loan EMIs.
✅ How to close Assam Gramin Vikash Bank Personal Loan?
You must have to pay the outstanding personal loan amount and then come in contact with Assam Gramin Vikash Bank to collect your no dues certificate.
✅ How to check Assam Gramin Vikash Bank Personal Loan Status?
You will require to visit the Assam Gramin Vikash Bank branch to check your personal loan status. 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 Assam Gramin Vikash Bank Personal Loan Online?
You need to follow the given steps for the closing of a personal loan from Assam Gramin Vikash Bank:
- Visit the net-banking page of Assam Gramin Vikash Bank.
- Login with your details.
- Pay for your personal loan and save the transaction receipt.
✅ How to pay Assam Gramin Vikash Bank Personal Loan EMI Online?
Your personal loan EMI can be paid through the net banking services of Assam Gramin Vikash Bank. Dialabank lets you compare offers and deals from various banks to choose the best, for a low-EMI personal loan. All you have to do is fill a simple form, and the bank will do best for you.
✅ How to check Personal Loan Balance in Assam Gramin Vikash Bank?
To check the personal loan balance in Assam Gramin Vikash Bank, you will contact the customer care number of Assam Gramin Vikash Bank. If you are searching for low-interest personal loans, you must visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the best for you.
✅ How to download Assam Gramin Vikash Bank Personal Loan Statement?
The personal loan statement of Assam Gramin Vikash Bank can be downloaded through the Assam Gramin Vikash Bank mobile banking app. You can visit the online platform of Dialabank and fill a simple form to compare and check out all the offers for you.
✅ How to Top Up Personal Loan in Assam Gramin Vikash Bank?
If you want a top-up on your personal loan from Assam Gramin Vikash Bank, you have to visit the bank branch and contact the loan officer. Also, you can 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 Assam Gramin Vikash Bank Personal Loan EMIs?
Assam Gramin Vikash Bank charges a penal interest if you are not able to pay your personal loan EMIs. You must apply for a balance transfer using Dialabank to get low-interest personal loans.
✅ How to find the Assam Gramin Vikash Bank Personal Loan account number?
You will contact your Assam Gramin Vikash Bank loan branch to know your personal loan account number. Also, fill out the form available at Dialabank and our bank will do all the work for you.
✅ What is the Assam Gramin Vikash Bank personal loan customer care number?
Contact 9878981166 for any queries.
✅ What are the Assam Gramin Vikash Bank Personal Loan pre-closure charges?
Assam Gramin Vikash Bank allows you to close your personal loan without any additional charges. You only need to pay the outstanding principal amount of your loan.
✅ What is the Assam Gramin Vikash 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 Assam Gramin Vikash 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 manner reimburse the got out totally at whatever point the condition is ideal. From this time forward, it is conceivably the most favoured credit choices that benefitted to meet changing individual supporting necessities unbounded.
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