Baroda Gujarat Gramin Bank Personal Loan Key Features newNov 21 2024
| Eligibility Criteria | Details |
| Age | 21-58 years |
| CIBIL Score | 750 and above |
| Baroda Gujarat Gramin Bank Personal Loan Interest Rate | 9.99% per annum |
| Lowest EMI per lakh | – |
| Tenure | 12-60 months |
| Baroda Gujarat Gramin Bank Personal Loan Processing Fee | 1% to 2% |
| Prepayment Charges | depends on the bank and the amount borrowed |
| Part Payment Charges | – |
| Minimum Loan Amount | 1 lakh |
| Maximum Loan Amount | 40 lakhs |
Baroda Gujarat Gramin Bank Personal Loan Eligibility Criteria
Personal Loan Eligibility Criteria
| CIBIL score | 750 and above |
| Age | 21-60 years |
| Min Income | 25,000/- |
| Occupation | salaried/self-employed |
Baroda Gujarat Gramin Personal Loan Interest Rate and Charges
| Baroda Gujarat Gramin Bank Personal Loan Interest Rate | 9.99% per annum |
| Baroda Gujarat Gramin Bank Personal Loan Processing Charges | 1% to 2% |
| Prepayment Charges | Depends on the bank |
| Stamp Duty | NIL |
| Cheque Bounce Charges | NIL |
| Penal Interest | NIL |
| Floating Rate of Interest | NIL |
Baroda Gujarat Gramin Personal Loan Documents Required
Personal Loan Documents Required
| Form | Duly filled application form |
| Proof of Identity | Voter Id card, Aadhar card, driving license, and NREGA card |
| Proof of Address | Rental agreement (with a minimum of 1 year of stay), utility bills, and passport (to show your permanent residence address) and ration card. |
| Proof of Income | Income tax return for the last 2 assessment years, salary slips for the past 6 months, and bank statement for the last 3 months. |
Baroda Gujarat Gramin Bank Personal Loan EMI Calculator
Online Personal Loan EMI Calculator
Baroda Gujarat Gramin Bank Personal Loan Compared to Other Banks
| Particulars | Baroda Gujarat Gramin 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 | 12to 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 | Depends on the bank’s decision | 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 Baroda Gujarat Gramin Bank
- Housing loan
- Vehicle loan
- Agricultural loan
- Educational loan
- Business loan
- Personal loan
- Financial Inclusion loan
Why should you apply for Baroda Gujarat Gramin Bank Personal Loan with Dialabank?
Dialabank helps you in choosing the best option of banks by giving to you the up to date market contrast of several banks so that you can make the right decision. At Dialabank we have guided thousands of applicants towards taking the loan that they want without any trouble or hassle and look forward to continuing this. Apply today to get special deals and discounts on Baroda Gujarat Gramin Bank personal loans.
You can contact us on 9878981166 to get a Baroda Gujarat Gramin Bank personal loan.
How to Calculate EMIs for Baroda Gujarat Gramin Bank Personal Loan
These are the information that would be required to calculate your Baroda Gujarat Gramin Personal loan EMI: the amount borrowed as a loan, the rate of interest, and the loan period.
Add these values in the calculator below and find the amount that you would have to pay as interest monthly.
Baroda Gujarat Gramin Bank Personal Loan Processing Time
Processing time would tell you how long it would take to process an application under normal situations. It usually starts on 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.
Baroda Gujarat Gramin Bank Personal Loan Preclosure charges
Depends entirely upon the bank.
Baroda Gujarat 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 Baroda Gujarat Gramin Bank solitary an unanticipated new turn of events. The flexible improvement office has all the enormous features of a slight overdraft credit.
Pre Calculated EMI for Personal Loan
Different Personal Loan offers by Baroda Gujarat Bank
Baroda Gujarat Gramin Personal Loan Balance Transfer
A personal loan balance transfer is when the borrower transfers the remaining outstanding principal of the personal loan from one lending organization to another to get more benefits such as a lower and collective interest rate on the outstanding loans.
Baroda Gujarat Gramin 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 loan is taken, is eligible for a top-up loan.
Types of Loan by Baroda Gujarat Gramin Bank
Home Renovation Loan
Baroda Gujarat Gramin Bank offers home update credit for people wishing to have their homes overhauled. This individual credit will back the fundamental fixes or award the borrower to purchase new home fittings, machines, and furniture. Some goliath features of the Baroda Gujarat Gramin Bank Home Renovation Loan are:
- The financing cost of Baroda Gujarat Gramin Bank Home Improvement Loan begins at as low as 11.25%.
- Individuals will be in peril for a progress level of Rs. 20 Lakhh to have their home changed.
- The credit of Baroda Gujarat Gramin Bank’s home mimics needs zero documentation, getting the whole ground time period liberated from trouble.
- When in doubt, the improvement entire is credited to the record within 72 hours before the bank favours the comfort.
Holiday Loan
The Baroda Gujarat Gramin Bank’s Holiday Loan will assist you with a minor issue while engineering your fantasy move away. The crucial features of the Baroda Gujarat Holiday Loan are This individual Baroda Gujarat Gramin advance will keep up a degree of excursion related costs, including booking travel tickets, standing working environments, guided visits, etc
- Financing costs for occasion drives start at 11.25 percent p.a.
- Without a ton of stretch looked after position, you can do a degree of up to Rs 20 Lakh.
- The shrewd and away from of your move away is ensured by made an insignificant work.
- Invigorated development chart and regulating that is speedily credited to your record.
Fresher Funding
This alternative of Baroda Gujarat Gramin credit is proposed to help freshers, for instance, continuing with graduated class, for example looking for their first work. Coming up next are some reasonable highlights of Baroda Gujarat Gramin Fresher Funding’s credit:
- Credit level of up to Rs 1.5 lakh
- Contenders must, at any rate, be 21 years old.
- The development of interest for Fresher Funding depends upon the up-and-comer’s profile, the money related record/score, age of the contender, and region.
NRI Personal Loan
For NRIs, Baroda Gujarat Gramin outfits a person with movement, understanding the necessities and dreams of NRIs. The essential progression picked one should be an Indian occupant, and the co-contender NRI must be a near family member. The Individual Loan for NRIs contains the going with highlights.
- Individual NRI advances of up to Rs. 10 lakh with versatile end-use pushes are surrendered by Baroda Gujarat Gramin Bank.
- 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 Baroda Gujarat Gramin Bank Personal Loan?
To get a personal loan is very easy; all you have to do is:
- Visit our website- Dialabank
- Fill in the application form
- You will be contacted by us
- Our experts will assist you throughout the entire process and fill you in with the details of the loan.
Personal Loan Verification Process
The following are the means followed for check measure:
- At the point when you complete the application technique with Dialabank, your application for a Personal Loan is besides continued by the Bank.
- As the bank insists on your application structure, they give you a certification call.
- Starting at now when the be careful with a telephonic discussion is done, the bank plans a get for report accommodation.
- Exactly when all the imperative records are related the further check happens.
- Starting at now as the resulting check passes the bank demands the last credit whole, advance cost, and the residency for the alluded to add up to.
- The bank inconspicuously keeps it together for the client’s interest, and once the client admits the advancement total is immediately managed.
Baroda Gujarat Gramin Bank Personal Loan Status
You can check the status of your Baroda Gujarat Gramin Bank personal loan by the following methods:
- You could 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 track the status of your loan.
- Search for ‘personal loan status’ on google, click on the first link which will direct you to the loan status tracker webpage of Baroda Gujarat Gramin Bank, and fill in the needed information to check the status of your loan.
How to Login into the Baroda Gujarat Gramin Bank Portal
- You can check the official website of Baroda Gujarat Gramin Bank.
- 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.
Baroda Gujarat Gramin Bank Personal Loan Restructuring (COVID-19)
While there was cross-country lockdown, absurdly influenced a couple of borrowers by morals of the COVID-19 pandemic, and a multi-month repudiating on various term drives was conferred to control its impact on a particular degree. Baroda Gujarat Gramin Bank verbalized the RBI-guided one-time advantage by the individual credit growth of Baroda Gujarat Gramin Bank after the half-year boycott had wrapped up. This instrument is expected to offer help to those borrowers who, considering the pushing cash related troubles of the pandemic, are not yet set up to start reimbursement of their standard EMI.
The credit target plan of Baroda Gujarat Gramin Bank proposes an extra boycott of up to two years or a progression of the current repayment term to diminish EMI pulls out from month to month. As an immense concern, it is head that the recovery of your progression from Baroda Gujarat Gramin Bank will accomplish extra dazzling charges far past those of the standard improvement. As necessities are if whatever else fizzles with the craving for not winding up defaulting on your great credit, you can on an essential level utilize this help instrument.
Baroda Gujarat Gramin Bank Customer Care
Customers can contact Baroda Gujarat Gramin Bank customer care via any of the following means:
- By Phone: You can call Baroda Gujarat Gramin Bank 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 Baroda Gujarat Gramin Bank 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.
- Various moneylenders: Dialabank 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 Personal Loan EMI Calculator online, 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
- Free Help: 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 Baroda Gujarat Gramin Bank credit:
- It is ideal to check your Credit-related evaluation in any condition while applying for an individual new unforeseen new development. The odds of your credit keep up are worked by a solid credit evaluation and can permit you to profit by an individual headway on better concordance.
- Before picking a particular bank, it is clever to consider the expense of an individual credit (premium cost and every single reasonable cost and charge) offered by various moneylenders on Dialabank.
- Secure as appeared by the need and repayment limit. Make the essential advances not to win since you’re set up to get a higher aggregate. It just adds to the cost of your kept up position and has a reasonably couple of central splendid lights as time goes on.
- Make the focal advances not apply at the same time with different moneylenders for specific advances. This shows that you are ready for credit and expands the level of complex credit report rules, which can strangely affect your FICO score.
FAQs About Baroda Gujarat Gramin Bank Personal Loan
✅ How to apply for Baroda Gujarat Gramin Bank Personal Loan?
To apply for a Baroda Gujarat Gramin Bank personal loan you can just visit the website or visit the branch in person.
✅ What is the Interest Rate for Baroda Gujarat Gramin Bank Personal Loan?
The interest rate for Baroda Gujarat Gramin Bank personal loan ranges from 9.99% per annum.
✅ What is the minimum age for getting a Personal Loan from Baroda Gujarat Gramin Bank?
The minimum age for getting a personal loan from Baroda Gujarat Gramin Bank is 21 years.
✅ What is the maximum age for getting a Personal Loan from Baroda Gujarat Gramin Bank?
The maximum age for getting a personal loan from Baroda Gujarat Gramin Bank is 58 years.
✅ What is the minimum loan amount for Baroda Gujarat Gramin Bank Personal Loan?
The minimum loan amount for Baroda Gujarat Gramin Bank is 1 lakh.
✅ What is the maximum loan amount for Baroda Gujarat Gramin Bank Personal Loan?
The maximum loan amount for Baroda Gujarat Gramin Bank is 40 lakhs.
✅ What are the documents required for Baroda Gujarat Gramin Bank Personal Loan?
The documents required for Baroda Gujarat Gramin Bank personal loan is identity proof, address proof, and income proof documents along with 2 recent passport-sized photographs.
✅ What relaxation scheme and moratorium Baroda Gujarat Gramin Bank provides about Personal Loan due to Covid 19?
The credit target plan of Baroda Gujarat Gramin Bank proposes an extra boycott of up to two years or a progression of the current repayment term to diminish EMI pulls out from month to month. The moratorium for Baroda Gujarat Gramin Bank personal loan is of 6 months.
✅ What is the Processing Fee for Baroda Gujarat Gramin Bank Personal Loan?
The Processing Fee is 1% to 2%.
✅ What is the Baroda Gujarat Gramin Bank personal loan customer care number?
Contact 9878981166 for any queries.
✅ What are the Baroda Gujarat Gramin Bank Personal Loan pre-closure charges?
Depends entirely upon the bank.
✅ What is the Baroda Gujarat 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 Baroda Gujarat 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.
✅ What is the Maximum Loan Tenure for Baroda Gujarat Gramin Bank Personal Loan?
The maximum tenure duration for a personal loan from Baroda Gujarat Gramin Bank is 12-60 months.
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