Gramin Vikas Bank Personal Loan Key Features – Nov 21 2024
| Eligibility Criteria | Details |
| Age | 21-58 years |
| CIBIL Score | 750 and above |
| Bangiya Gramin Vikas Bank Personal Loan Interest Rate | 9.99% per annum |
| Lowest EMI per lakh | NIL |
| Tenure | 12-60 months |
| Bangiya Gramin Vikas Bank Personal Loan Processing Fee | 1%-2% |
| Prepayment Charges | nil |
| Part Payment Charges | nil |
| Minimum Loan Amount | 1 lakh |
| Maximum Loan Amount | 50 lakhs |
Bangiya Gramin Vikas Bank Personal Loan Eligibility Criteria
Eligibility criteria for a personal loan:
| CIBIL score Criteria | 750 and above |
| Age Criteria | 21-58 years |
| Min Income Criteria | 25,000/- |
| Occupation Criteria | salaried/self-employed |
Bangiya Gramin Vikas Bank Personal Loan Documents Required
Personal Loan Documents Required
| Form | Duly filled application form |
| Proof of Identity | Passport copy, driving license, Aadhar Card, and Voter ID card |
| Proof of Address | Rental agreement (minimum 1 year of stay), utility bills, passport ( to show permanent resident address), and ration card |
| Proof of Income | Income tax return of the last two assessment years, salary slip of the last 6 months, and the bank statement for the last 3 months |
Bangiya Gramin Vikas Bank Personal Loan EMI Calculator
Personal Loan Eligibility Calculator
Bangiya Gramin Vikas Bank Personal Loan Compared to Other Banks
| Particulars | Bangiya Gramin Vikas Bank | HDFC Bank | Bajaj Finserv | Axis Bank | Citibank | Private 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.50 lakhs | Up to Rs. 40 lakh | Up to Rs. 25 lakh | Rs. 50,000 to Rs. 15 lakh | Up to Rs. 30 lakh | Upto Rs. 20 lakh |
| Processing Fee | 1%-2% | 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 Bangiya Gramin Vikas Bank
- Housing loan
- Vehicle loan
- Loan against property
Why should you apply for Bangiya Gramin Vikas Bank Personal Loan with Dialabank?
Dialabank helps you in choosing the best of the banks by giving you the up to date market contrast of several banks so that you can make the right decision. At Dialabank we have already guided thousands of borrowers to take the loan that they want without any hassle and look forward to continuing to doing so. Apply today to get special details and discounts on Bangiya Gramin Vikas Bank personal loans.
You can call us on 9878981166 to get a Bangiya Gramin Vikas Bank personal loan.
How to Calculate EMIs for Bangiya Gramin Vikas Bank Personal Loan
These are the information that will be required to calculate your Bangiya Gramin Vikas Bank Personal loan EMI: the amount of the loan, the rate of interest, and the loan tenure.
Enter these values in the calculator below to find your monthly EMIs.
Bangiya Gramin Vikas Bank Personal Loan Processing Time
Processing time would usually tell you how long it would take to process an application under standardized situations. It usually begins on the day we receive the application from the bank and finishes when we make the choice regarding what loan we want and the amount to get credited.
Bangiya Gramin Vikas Bank Personal Loan Preclosure Charges
Depends on the bank’s decision, which changes from time to time.
Pre Calculated EMI for Personal Loan
Different Offers For Bangiya Gramin Vikas Bank Personal Loans
Bangiya Gramin Vikas Bank Home Loan
Bangiya Gramin Vikas Bank offers personal loans for a home:
- Your minimum age should be 21 yrs
- and Maximum Age should be 60 yrs
- Regular Income applicants are a must for this loan
- Earn more than the required monthly income
Bangiya Gramin Vikas Bank Personal Loan for Government Employees
Bangiya Gramin Vikas Bank offers personal loans to all the Govt. employees. The loan amount depends on the Company in which you are working.
Bangiya Gramin Vikas Bank Education Loan
- For studying in India Bangiya Gramin Vikas Bank provide Rs. 10 lakh
- For studying Abroad Bangiya Gramin Vikas Bank provide Rs. 20 Lakh
Bangiya Gramin Vikas Bank Personal Loan for Pensioners
- Processing charge can be asked from the bank by contacting their customer care
- Very Affordable Interest Rate
Bangiya Gramin Vikas Bank Personal Loan Balance Transfer
A personal loan balance transfer is a process in which the borrower transfers the outstanding principal of the personal loan from one lender to another in order to gain from better terms such as a lower and collective interest rate on the outstanding loans.
Bangiya Gramin Vikas 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.
Home Renovation Loan
Bangiya Gramin Vikas Bank offers home update credit for individuals wishing to have their homes redesigned. This individual credit will back the imperative fixes or license the borrower to buy new home fittings, machines, and furniture. Some huge highlights of the Bangiya Gramin Vikas Bank Home Renovation Loan are:
- The financing cost of the Bangiya Gramin Vikas Bank Home Improvement Loan starts at as low as 11.25%.
- People will be in danger for an advancement measure of Rs. 20 Lakhh to have their home modified.
- The credit of Bangiya Gramin Vikas Bank’s home reconstructs needs zero documentation, making the entire advancement time span freed from inconvenience.
- All around, the improvement whole is credited to the record inside 72 hours before the bank favours the convenience.
Holiday Loan
The Bangiya Gramin Vikas Bank’s Holiday Loan will help you with a minor issue while organizing your dream move away. The imperative highlights of the Bangiya Gramin Vikas Holiday Loan are This individual Bangiya Gramin Vikas advance will support an extent of excursion related costs, including booking travel tickets, dwelling workplaces, guided visits, and so forth
- Financing costs for event propels start at 11.25 percent p.a.
- Without a lot of stretch preferred position, you can do an extent of up to Rs 20 Lakh.
- The direct and clear financing of your move away is guaranteed by composed and insignificant work area work.
- Vivacious headway course of action and apportioning that is direct credited to your record.
Fresher Funding
Notwithstanding, Bangiya Gramin Vikas Bank’s Fresher Funding is remarkable for an overarching bit of shaky individual credits subject to individuals with a standard compensation. This alternative as opposed to Bangiya Gramin Vikas credit is proposed to help freshers, for instance, continuing with graduated class, for example looking for their first work. Coming up next are some appropriate highlights of Bangiya Gramin Vikas Fresher Funding’s individual credit:
- Credit measure of up to Rs 1.5 lakh
- Candidates must, at any rate, be 21 years old.
- The development of interest for Fresher Funding depends upon the candidate’s profile, the financial record/score, age of the contender, and region.
NRI Personal Loan
Expressly for NRIs, Bangiya Gramin Vikas outfits a person with movement, understanding the necessities and dreams of NRIs. The main advancement picked one should be an Indian occupant, and the co-contender NRI must be near to a relative. The Individual Loan for NRIs contains the going with highlights.
- Individual NRI advances of up to Rs. 10 lakh with flexible end-use pushes are given by Bangiya Gramin Vikas.
- The cost of NRI Personal Loan financing starts at 15.49 percent p.a.
- The credit requires a residency of as long as three years.
How to Apply Online for Bangiya Gramin Vikas Bank Personal Loan?
Apply for Bangiya Gramin Vikas Bank Personal Loan online by visiting the Bangiya Gramin Vikas Bank’s online portal. Just fill the form for the Bangiya Gramin Vikas Bank Personal Loan application:
- Visit Dialabank.
- fill in the application form
- After which you would get a call from us
- Our experts will then guide you throughout the process and tell you about the loan.
The Personal Loan Verification Process
The accompanying advances are an unquestionable requirement after you apply for a Personal Loan in Bangiya Gramin Vikas Bank which is as referenced beneath:
- When you complete the application strategy with Dialabank, your application for a Personal Loan is additionally continued by the Bank.
- As the bank checks your application structure, they give you a confirmation call.
- Presently when the check on a telephonic discussion is done, the bank plans a get for archive accommodation.
- When all the necessary archives are joined the further check happens.
- Presently as the subsequent check passes the bank affirms the last credit sum, loan cost, and the residency for the referenced sum.
- The bank quietly sits tight for the client’s assertion, and once the client affirms the advance sum is in a flash dispensed.
Bangiya Gramin Vikas Bank Personal Loan Status
You can check the status of your Bangiya Gramin Vikas Bank Personal Loan by the following methods –
- You can monitor the status of your Bangiya Gramin Vikas 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 Bangiya Gramin Vikas Bank and fill in the required information to monitor the status of your loan.
How to login to The Bangiya Gramin Vikas Portal
- Check the official website of Bangiya Gramin Vikas.
- Click on ‘Login’ in the upper right corner of the screen.
- Using your User ID and Password or reported mobile number to log in
How to Check Your Loan Statement
Clients can download the bank’s very own credit proclamation by following the means given below:
- Visit the official site of the bank.
- Select ‘Connect’ and from the drop-down list, choose ‘Administration Requests’.
- On the following page that opens, under the ‘Advances’ menu, click ‘Individual Loan Related.’
- Tap on ‘Request for Loan Account Statement’ first.
- Log in using your User ID and the secret word or using your enlisted versatile number and OTP to benefit from the bank’s very own credit clarification.
Bangiya Gramin Vikas Bank Personal Loan Restructuring (COVID-19)
All through nation lockdown antagonistically affected a couple of borrowers on account of the COVID-19 pandemic, and a multi-month denial on different term drives was articulated to guide its effect on a specific degree. Bangiya Gramin Vikas Bank articulated the RBI-guided one-time benefit by the individual credit multiplication of Bangiya Gramin Vikas Bank after the half-year blacklist had ended. This instrument is wanted to offer assistance to those borrowers who, in light of the advancing money related difficulties of the pandemic, are not yet prepared to begin repayment of their customary EMI.
The credit target plan of Bangiya Gramin Vikas Bank recommends an additional blacklist of as long as two years or development of the current reimbursement term to reduce EMI divides from month to month. As a fundamental concern, it is essential that the recuperation of your individual development from Bangiya Gramin Vikas Bank will achieve additional excellent charges far past those of the principal improvement. As a result, if whatever else misfires with the desire for not ending up defaulting on your exceptional credit, you can simply use this assistance instrument.
Bangiya Gramin Vikas Bank Customer Care
Customers can contact Bangiya Gramin Vikas Bank customer care via any of the following means:
- By Phone: You can call Bangiya Gramin Vikas on 9878981166 (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 Bangiya Gramin Vikas branch to get your queries.
Benefits of Applying for Personal Loan on Dialabank
There are several points of concern when applying for a personal advance on the Dialabank website. Underneath some of them are provided:
- 24 x 7 Availability: At whatever point and anyplace you can get to the site of Dialabank, and thusly, when your home or office is agreeable, apply for individual development.
- Numerous moneylenders: com engages you to get singular credit offers from different planned advance experts on a single stage and along these lines wipes out the need to visit distinctive bank locales or branches.
- Know EMI: On the EMI calculator, you can check the EMIs you would be paying on an individual credit even before you apply for one. It will help you with getting the reasonable total that you can without a very remarkable stretch repay and have a supportive repayment plan.
- Liberated from cost: Additionally, you are not supposed to pay any charges when you apply for an individual advance on Dialabank.
Important Aspects
Below are some critical points you ought to consider while applying for an individual Bangiya Gramin Vikas Bank credit:
- It is ideal to check your money related assessment in any situation while applying for an individual turn of events. The chances of your credit uphold are worked by a strong credit examination and can allow you to benefit by an individual advancement on better balance.
- Before picking a specific bank, it is wise to think about the cost of an individual credit (premium expense and each and every sensible expense and charge) offered by different moneylenders on Dialabank.com.
- Secure as demonstrated by the need and reimbursement limit. Take the necessary steps not to win since you’re set up to get a higher whole. It just adds to the expense of your preferred position and has a moderately couple of focal points over the long haul.
- Take the necessary steps not to apply at the same time with various moneylenders for solitary advances. This shows that you are prepared for credit and extends the amount of complex credit report guidelines, which can unfairly influence your FICO score.
FAQs About Bangiya Gramin Vikas Bank Personal Loan
✅ How to apply for Bangiya Gramin Vikas Bank Personal Loan?
You can apply for a personal loan with Bangiya Gramin Vikas Bank by visiting the nearest branch of Bangiya Gramin Vikas Bank or by submitting a simple form with Dialabank. With Dialabank, you will get the benefit to apply from anywhere for a personal loan and get online approval faster.
✅ What is the Interest Rate for Bangiya Gramin Vikas Bank Personal Loan?
The interest rate charged by Bangiya Gramin Vikas Bank is 9.99% p.a. for their personal loan products.
✅ What is the minimum age for getting a Personal Loan from Bangiya Gramin Vikas Bank?
Your minimum age must be 21 to apply for a personal loan with Bangiya Gramin Vikas Bank.
✅ What is the maximum age for getting a Personal Loan from Bangiya Gramin Vikas Bank?
The maximum age for availing of a personal loan from Bangiya Gramin Vikas Bank is 58 years.
✅ What is the minimum loan amount for Bangiya Gramin Vikas Bank Personal Loan?
The minimum loan amount for a personal loan from Bangiya Gramin Vikas Bank is Rs 1 lakh.
✅ What is the maximum loan amount for Bangiya Gramin Vikas Bank Personal Loan?
The maximum loan amount for a personal loan from Bangiya Gramin Vikas Bank is up to Rs. 50 lakhs.
✅ What are the documents required for Bangiya Gramin Vikas Bank Personal Loan?
Aadhaar card, Voter ID, PAN card, salary slips of the last 6 months, the ITR files of the previous two years, and two recently clicked photographs are the required documents for a personal loan from Bangiya Gramin Vikas Bank.
✅ What is the Processing Fee for Bangiya Gramin Vikas Bank Personal Loan?
The processing fee is 1%-2% by the Bangiya Gramin Vikas Bank for the personal loan. The processing fee depends on the loan amount and the type of loan.
✅ How to get Bangiya Gramin Vikas Bank Personal Loan for Self Employed?
Bangiya Gramin Vikas Bank provides special offers for self-employed borrowers for helping them economically. You will show the ITR files of the last two years as your income proof.
✅ What is the Maximum Loan Tenure for Bangiya Gramin Vikas Bank Personal Loan?
The maximum loan tenure duration for a personal loan from Bangiya Gramin Vikas Bank is 60 months.
✅ What should be the CIBIL Score for Bangiya Gramin Vikas Bank Personal Loan?
The requirement of a minimum CIBIL score of 750 or above for getting a personal loan from Bangiya Gramin Vikas Bank.
✅ Do I have a preapproved offer for Bangiya Gramin Vikas Bank Personal Loan?
You can examine your preapproved personal loan offers from Bangiya Gramin Vikas Bank with Dialabank. Also, fill the form, and we will check all the offers for you and get back to you to help you choose the best one.
✅ How to calculate EMI for Bangiya Gramin Vikas Bank Personal Loan?
You can use the EMI calculator available at Dialabank’s website to calculate your EMIs of personal loans from Bangiya Gramin Vikas Bank.
✅ How to pay Bangiya Gramin Vikas Bank Personal Loan EMI?
Your personal loan EMIs from Bangiya Gramin Vikas Bank are automatically taken from your bank account. You can also use the net-banking facility provided by Bangiya Gramin Vikas Bank to pay for your personal loan EMIs.
✅ How to close Bangiya Gramin Vikas Bank Personal Loan?
You should pay all the outstanding personal loan amount and then contact the branch of Bangiya Gramin Vikas Bank to receive your no dues certificate.
✅ How to check Bangiya Gramin Vikas Bank Personal Loan Status?
You will need the visit the Bangiya Gramin Vikas Bank branch to check the status of your personal loan. Also, you can visit Dialabank and fill a simple form to let us do the hard work for you.
✅ How to close Bangiya Gramin Vikas Bank Personal Loan Online?
Closing of a personal loan from Bangiya Gramin Vikas Bank includes the following steps:
- Visit the Bangiya Gramin Vikas Bank net-banking page.
- Login with your details.
- Pay your personal loan amount.
- Save the transaction receipt.
✅ How to pay Bangiya Gramin Vikas Bank Personal Loan EMI Online?
Your personal loan EMI can be paid using the net banking services of Bangiya Gramin Vikas Bank. Dialabank helps you to compare offers and deals from different banks to choose the best, for a low-EMI personal loan. All you have to do is fill a simple form, and we will do the rest for you.
✅ How to check Personal Loan Balance in Bangiya Gramin Vikas Bank?
To check the personal loan balance in Bangiya Gramin Vikas Bank, you will contact the customer care number of Bangiya Gramin Vikas 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 we will do the hard work for you.
✅ How to download Bangiya Gramin Vikas Bank Personal Loan Statement?
The personal loan statement of Bangiya Gramin Vikas Bank can be downloaded through the Bangiya Gramin Vikas Bank mobile banking app. You can visit the online platform of Dialabank and fill a simple form to compare and know about all the offers that we have for you.
✅ How to Top Up Personal Loan in Bangiya Gramin Vikas Bank?
If you require a top-up on your personal loan from Bangiya Gramin Vikas Bank, you will visit the bank branch and contact the loan officer. You can also 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 Bangiya Gramin Vikas Bank Personal Loan EMIs?
Bangiya Gramin Vikas Bank will charge a penal interest if you fail to pay your personal loan EMIs. You must apply for a balance transfer using Dialabank to avail of low-interest personal loans that will not put a hole in your pocket.
✅ How to find the Bangiya Gramin Vikas Bank Personal Loan account number?
You will require to contact your Bangiya Gramin Vikas Bank loan branch to know your personal loan account number. You may also fill out the form available at Dialabank and let us do all the work for you.
✅ What is the Bangiya Gramin Vikas 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 Bangiya Gramin Vikas Bank personal loan maximum tenure?
The maximum tenure of the Bangiya Gramin Vikas Bank personal loan is 60 months.
✅ What is Bangiya Gramin Vikas Bank personal loan minimum tenure?
The minimum tenure of the Bangiya Gramin Vikas Bank personal loan is 12 months.
✅ What is the Bangiya Gramin Vikas Bank personal loan customer care number?
The customer care number of Bangiya Gramin Vikas Bank personal loan is 9878981166.
✅ What are the Bangiya Gramin Vikas Bank Personal Loan pre-closure charges?
Bangiya Gramin Vikas Bank gives you the option of pre-closing your loan after a period of a minimum of 12 months of taking the loan and paying 12 successful EMIs on your mortgage. However, Bangiya Gramin Vikas Bank charges a Prepayment or Pre-closure charge. Refer to the table mentioned above.
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