Ellaquai Dehati Bank Personal Loan Key Features
| Eligibility Criteria | Details |
| Age |
For salaried – 21 to 58
For self-employed – 21 to 65 |
| CIBIL Score |
Minimum 750 or above
|
| Ellaquai Dehati Bank Personal Loan Interest Rate |
9.99% per annum
|
| Additional Interest on Late Repayment | 24% p.a. |
| Tenure |
12 to 60 months
|
| Ellaquai Dehati Bank Personal Loan Processing Fee | 1% of the Loan Amount |
| Prepayment Charges |
5% of the loan amount
|
| Part Payment Charges |
Allowed after 12 Months (2 – 4 %)
|
| Minimum Loan Amount | Rs. 50,000 |
| Maximum Loan Amount | Rs. 20 Lakh |
Ellaquai Dehati Bank Personal Loan Eligibility Criteria
The personal loan eligibility criteria are as follows:
| CIBIL score Criteria |
Excellent score, i.e. 750+
|
| Age Criteria |
For salaried – 21 to 58
For self-employed – 21 to 65 |
|
Income Criteria
|
For salaried – Rs. 30000 per month
For self-employed – Rs. 15 lakhs per year |
|
Number of years in job/ business
|
Salaried – 2 years
Self-employed – 5 years |
Ellaquai Dehati Bank Personal Loan Interest Rate, Fees & Other Charges
| Category | Details |
| Ellaquai Dehati Bank Personal Loan Interest Rate |
9.99% Per Annum
|
|
Ellaquai Dehati Bank Personal Loan Processing Charges
|
1% of Loan Amount |
|
Prepayment Charges
|
5% + GST |
| Stamp Duty |
As per state laws
|
|
Cheque Bounce Chgs
|
Rs. 400/cheque+ GST
|
|
Floating Rate of Interest
|
Not Applicable |
|
Overdue EMI Interest
|
2% p.m.(on overdue amount)
|
Ellaquai Dehati Bank Personal Loan Documents Required
| Particular | Document |
| 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
|
> ITRs: Last two Assessment years
> Salary Slip: Last 6 months > Bank Statement: Last 3 months |
Personal Loan EMI Calculator for Ellaquai Dehati Bank
Ellaquai Dehati Bank Personal Loan Comparison with Other Banks
| Bank | Interest Rate | Tenure | Loan Amount & Proc Fee |
| Ellaquai Dehati Bank | 9.99% | 12 to 60 months | Up to Rs. 20 lakh / 1% to 2% of 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 |
Other Loan Products from Ellaquai Dehati Bank
Why should you apply for Ellaquai Dehati Bank Personal Loan with Dialabank?
- Our motto here at Dialabank is ‘make things simple’. Therefore, we help bring every information related to Ellaquai Dehati Bank Personal loans detailed and easy to understand.
- We don’t charge you for our services.
- We help you avail of the best features available.
- We help you apply for an Ellaquai Dehati Bank Personal loan without any hassle through our website.
- We offer a document pick up facility from your doorsteps.
- We offer a personalized service. Therefore, you can call us in case of any queries.
Call us at 9878981166 to avail of Ellaquai Dehati Bank Personal Loan.
How to Calculate EMIs for Ellaquai Dehati Bank Personal Loan
To calculate your EMIs for the Ellaquai Dehati Bank Personal Loan, enter all the values such as the principal loan amount, tenure in months, and interest rate. Enter any extra charges such as prepayment charges and processing fees. The calculator will give you the exact monthly payable amount. This will help you plan your repayment.
Ellaquai Dehati Bank Personal Loan Processing Time
Your Ellaquai Dehati Bank Personal Loan takes about half a month to process and disburse. However, if you are already a customer and your personal loan is preapproved or applied online, your loan can be processed in seconds. The bank charges a processing fee of just 2.25% of the loan amount + GST.
Ellaquai Dehati Bank Personal Loan Preclosure charges
Prepayment means repaying a part of your loan before the tenure ends, while foreclosure means repaying your entire loan amount lump sum before the term ends. Ellaquai Dehati Bank allows you to prepay or foreclose your personal loan after payment of 6 EMIs with a foreclosure charge of 5% of the outstanding loan amount.
Pre Calculated EMI for Personal Loan
Ellaquai Dehati Bank Personal Loan for Salaried Employees
Ellaquai Dehati Bank offers personal loans for Salaried employees at attractive interest rates. The employees need to have a minimum net income of Rs. Thirty thousand per month and should be employed for at least 2 years and 1 year in the current job. The personal loan offers easy repayment options, thus enabling the salaried employees to fulfil their requirements without burdening their finances.
Ellaquai Dehati Bank Personal Loan for Self Employed Individuals
Ellaquai Dehati Bank Personal Loan for Self Employed is a loan product to self-employed professionals for a tenure of 1 year to 5 years. The applicants should be aged between 21 to 65 years and have a minimum annual turnover of Rs. 15 lakhs. Self-employed professionals also have to submit more documents than Salaried employees, but they can avail of a loan amount up to Rs. 20 lakhs. Thus, a personal loan is beneficial for them.
Different Personal Loan offers by Ellaquai Dehati Bank
Ellaquai Dehati Bank Doctor Loan
Ellaquai Dehati Bank offers particular personal loans to doctors. Doctors can avail of a personal loan from 25 years instead of 28 years for other self-employed professionals. The business stability for doctors should be only for 3 years instead of 5 years for others. Doctors can avail of this loan to solve their financial problems and emergencies.
Ellaquai Dehati Bank Marriage Loan
Ellaquai Dehati Bank offers a Personal Loan for Marriage to people who need to pay for wedding-related expenses or wedding functions. This personal loan for marriage can be used for anything and helps you fund a wedding without burdening your financial condition. The loan, if preapproved, can be disbursed on the same day. You can apply for it online.
Ellaquai Dehati Bank Personal Loan for Government Employees
Ellaquai Dehati Bank Personal Loan for Government Employees is beneficial for people working in government agencies and are offered at low-interest rates, starting at just 9.99% per annum. These loans can be available with other special offers and a quick disbursal. The bank does not charge any processing fee if the Defence Personnel avails of a loan. This loan can be applied for online through Dialabank or in person by visiting the nearest bank branch.
Ellaquai Dehati Bank Personal Loan for Pensioners
The Ellaquai Dehati Bank, Personal Loan for Pensioners, can be availed of by retired Central Government, State Government, and Defence Forces employees. The bank offers many attractive features when it comes to Personal Loan for Pensioners such as:
- Minimum Pension Amount – 25000
- 50% of extra income (FD interest rental income, etc.) can be counted as Actual Income
- Low-interest rates
- Tenure starting from 12 months
Ellaquai Dehati Bank Personal Loan Balance Transfer
Personal Loan Balance Transfer refers to a process where you shift your entire outstanding personal loan amount from one lending institution to another. You can avail of this option if the repayment in the current personal loan terms is becoming a burden for you and some other lender is charging you lower interest rates and offering additional features. To transfer your loan balance, you will just have to pay the foreclosure fee to the existing lender (only on fixed interest rates) as well as the processing fee to the new lender.
The process of balance transfer with Ellaquai Dehati Bank is straightforward.
Ellaquai Dehati Bank Personal Loan Top Up
You can avail of the personal loan top up facility from Ellaquai Dehati Bank to borrow an additional loan amount after the tenure ends. The top-up facility can easily be applied for if you were regular in your EMI Payment. Ellaquai Dehati Bank Personal Loan top-up can be availed with quick disbursal and no collateral requirement for a maximum amount equal to the original loan amount.
Types of Ellaquai Dehati Bank Personal Loan
Home renovation loan
Ellaquai Dehati 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 Ellaquai Dehati Bank Home Renovation Loan are:
- The financing cost for Ellaquai Dehati 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 Ellaquai Dehati 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
Ellaquai Dehati Bank’s Holiday Loan can assist you in organizing your fantasy get-away with a minor issue. This individual advance from Ellaquai Dehati Bank can subsidize a scope of excursion related costs, including flight ticket booking, lodging facilities, guided visits, and so forth. Key highlights of Ellaquai Dehati Bank’s Holiday Loan are:
- Financing costs for Holiday Loans start at 11.25% p.a.
- You can do profit a measure of up to Rs 20 Lakh without much of a stretch, 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 Ellaquai Dehati Bank’s Fresher Funding is extraordinary. This credit alternative from Ellaquai Dehati Bank is intended to help freshers, for example, ongoing alumni looking for their first work. Some vital highlights of Ellaquai Dehati 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, Ellaquai Dehati 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. Personal Loan for NRIs incorporates the accompanying highlights.
- Ellaquai Dehati 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 Online for Ellaquai Dehati Bank Personal Loan?
To apply for an Ellaquai Dehati Bank Personal Loan online, you can visit its online portal or download its mobile app. To apply through Dialabank:
- Visit our 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 after online accommodation of your advance application on Dialabank.
Step1. Dialabank will advance your application to your picked bank, and generally, within 48 hours, 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. The advance is generally dispensed after credit endorsement and fruitful check within 48 hours.
Note: The turnaround, as mentioned earlier, time for personal loan verification/disbursal may vary based on the lender’s internal demands and other criteria.
Check Your Bank Ellaquai Dehati Bank Personal Loan Application Status
To check the status of your Ellaquai Dehati 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 Ellaquai Dehati 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 Ellaquai Dehati Bank Portal
- Visit the official website of Ellaquai Dehati 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:
- First, visit the official site of the bank.
- Then, click on ‘Connect’ and select ‘Administration Requests’ starting from the drop list.
- On the following page that opens, select’ Individual Loan Related’ under the ‘Advances’ menu.
- 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.
Ellaquai Dehati Bank Personal Loan Restructuring (COVID-19)
The cross country lockdown because of the COVID-19 pandemic has antagonized numerous borrowers. A multi-month ban on different term advances was declared to moderate its effect to a specific degree. After the fruition of the half-year ban, Ellaquai Dehati Bank had reported the RBI-commanded one-time advantage of Ellaquai Dehati Bank individual credit rebuilding. This instrument is intended to alleviate those borrowers who are 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 Ellaquai Dehati 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. However, as the main priority, it is imperative that rebuilding your Ellaquai Dehati Bank individual credit will bring about extra premium charges beyond 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.
Ellaquai Dehati Bank Customer Care
Customers can contact the Ellaquai Dehati Bank customer care via any of the following means:
- By Phone: You can call Ellaquai Dehati Bank on 01942434282 (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 see the nearby Ellaquai Dehati Bank branch to get your questions.
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 pay on a personal credit even before applying 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 do not need to pay charges when applying 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 Ellaquai Dehati Bank:
- While applying for a personal advance, it is excellent to check your financial assessment in every case. A decent credit assessment builds the odds of your credit endorsement and can empower you to benefit an individual advance on more great terms.
- Before settling upon a specific bank, it is prudent to consider 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 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 Ellaquai Dehati Bank Personal Loan
✅ How to apply for Ellaquai Dehati Bank Personal Loan?
There are multiple ways to apply for Ellaquai Dehati Bank personal loan:
- First, visit the nearest Ellaquai Dehati Bank branch.
- Then, apply online on the Ellaquai Dehati Bank website.
- Finally, choose the most innovative way by using Dialabank.
Dialabank gives you the lowest rates and the best deals for your financial needs.
✅ What is the Interest Rate for Ellaquai Dehati Bank Personal Loan?
The interest rate in Ellaquai Dehati Bank for personal loans is 9.99% per annum.
✅ What is the minimum age for getting a Personal Loan from Ellaquai Dehati Bank?
The minimum age required for a personal loan from Ellaquai Dehati Bank is 21 years old.
✅ What is the maximum age for getting a Personal Loan from Ellaquai Dehati Bank?
The whole period allowed for Ellaquai Dehati Bank personal loan products is 65.
✅ What is the minimum loan amount for Ellaquai Dehati Bank Personal Loan?
The minimum loan amount for a personal loan from Ellaquai Dehati Bank is Rs 50,000.
✅ What is the maximum loan amount for Ellaquai Dehati Bank Personal Loan?
Ellaquai Dehati Bank lets you borrow a maximum loan amount of Rs. Twenty lakhs under the various personal loan schemes.
✅ What are the documents required for Ellaquai Dehati Bank Personal Loan?
You will need your Aadhaar card/Voter ID, PAN card, salary slips/ITRs as income proof, and two recent passport-sized photographs for a personal loan from Ellaquai Dehati Bank.
✅ What is the Processing Fee for Ellaquai Dehati Bank Personal Loan?
Ellaquai Dehati Bank charges a processing fee of 1% of the Loan Amount for personal loans.
✅ How to get Ellaquai Dehati Bank Personal Loan for Self Employed?
Ellaquai Dehati Bank has special offers for self-employed individuals that may need money for their expenses. The tenure ranges from 12 to 60 months. In addition, Dialabank provides you with convenient loan options and acts as your friendly financial advisor.
✅ What is the Maximum Loan Tenure for Ellaquai Dehati Bank Personal Loan?
The maximum tenure period for Ellaquai Dehati Bank personal loan is 60 months.
✅ What should be the CIBIL Score for Ellaquai Dehati Bank Personal Loan?
You will need a minimum CIBIL score of 750 or above to avail of an Ellaquai Dehati Bank personal loan.
✅ Do I have a preapproved offer for Ellaquai Dehati Bank Personal Loan?
You can check for your preapproved personal loan offers from Ellaquai Dehati Bank through Dialabank. All you have to do is fill a form, and we will contact you with the best offers as per your needs.
✅ How to calculate EMI for Ellaquai Dehati Bank Personal Loan?
You can use Dialabanks EMI calculator to calculate your Ellaquai Dehati Bank personal loan EMIs.
✅ How to pay Ellaquai Dehati Bank Personal Loan EMI?
You can pay your Ellaquai Dehati Bank personal loan EMIs through several options:
- Direct deduction from your bank account through ECS.
- Net-banking and online payment services of Ellaquai Dehati Bank.
✅ How to close Ellaquai Dehati Bank Personal Loan?
To close a personal loan from Ellaquai Dehati Bank, you will have to pay all your outstanding loan amount and then collect the payment receipt and no dues certificate for future reference.
✅ How to check the Ellaquai Dehati Bank Personal Loan Status?
You can check your personal loan status by contacting the Ellaquai Dehati Bank on their customer care number or through the Ellaquai Dehati Bank website. You can also get Dialabank and let us handle all your financial worries.
✅ How to close Ellaquai Dehati Bank Personal Loan Online?
To close a personal loan from Ellaquai Dehati Bank online, follow these steps:
- First, visit the online payment page of the Ellaquai Dehati Bank website.
- Then, log in using your loan account credentials.
- Next, pay all the due amount for your personal loan and save the transaction receipt.
- Finally, visit the branch and take a no dues certificate using your payment receipt.
✅ How to pay Ellaquai Dehati Bank Personal Loan EMI Online?
Your personal loan EMIs can be paid using the different online and mobile banking services of Ellaquai Dehati Bank. Likewise, Dialabank helps you choose the best and the lowest EMI personal loan available. You just have to fill in a simple form, and we will do the rest for you.
✅ How to check Personal Loan Balance in Ellaquai Dehati Bank?
To check the personal loan balance in Ellaquai Dehati Bank, you will have to contact the bank’s customer care number or visit the nearest branch in person. You can also visit Dialabank to avail the lowest interest personal loans and fill a simple form for Personal Loan Balance Transfer to reduce your EMI burden.
✅ How to download Ellaquai Dehati Bank Personal Loan Statement?
To download the personal loan statement of Ellaquai Dehati Bank, you can use the Ellaquai Dehati Bank mobile banking app. You can also fill a form on Dialabank to compare all the personal loan offers for your needs.
✅ How to Top Up Personal Loan in Ellaquai Dehati Bank?
To get a top-up on your personal loan from Ellaquai Dehati Bank, you will have to visit the Ellaquai Dehati Bank branch in person. Alternatively, you can fill a simple form with Dialabank and get a Personal Loan Top Up.
✅ What happens if I don’t pay my Ellaquai Dehati Bank Personal Loan EMIs?
Ellaquai Dehati Bank charges a penal interest of 2% per month on your outstanding loan amount if you do not pay your personal loan EMIs.
✅ How to find the Ellaquai Dehati Bank Personal Loan account number?
You can find your Ellaquai Dehati Bank personal loan account number by contacting your loan branch. You can also fill a form on Dialabank and leave all the hard work to us.
