Jharkhand Gramin Bank Personal Loan

Jharkhand Gramin Bank Personal Loan Key Features

Eligibility Criteria	Details
Age	21-54 (at loan maturity)
CIBIL Score	Minimum 7500 or above
Jharkhand Gramin Bank Personal Loan Interest Rate	9.99% per annum
Lowest EMI per lakh	Rs 2363
Tenure	12 to 60 months
Jharkhand Gramin Bank Personal Loan Processing Fee	1%-2%
Prepayment Charges	Decided by Bank
Minimum Loan Amount	No Limit
Maximum Loan Amount	₹2 Lakh

 

Jharkhand Gramin Bank Personal Loan Eligibility Criteria

The personal loan eligibility criteria for Personal Loan is as follows:

CIBIL score Criteria	750 and Above
Age Criteria	21-54 years
Min Income Criteria	Rs 20000/month
Occupation Criteria	Salaried/Doctors/Businessmen

Jharkhand Gramin Bank Personal Loan Interest Rate and Charges

The interest rate, fees, and other charges for Personal Loan are:

Jharkhand Gramin Bank Personal Loan Interest Rate	9.99% per annum
Jharkhand Gramin Bank Personal Loan Processing Charge	1%-2%
Prepayment Charges	Bank Decision
Stamp Duty	As per state laws

Jharkhand Gramin Bank Personal Loan Documents Required

Documents Required for Personal Loan are:

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.

Jharkhand Gramin Bank Personal Loan EMI Calculator

Rate	5 Yrs	4 Yrs	3 Yrs
10.50%	2149	2560	3250
11.00%	2174	2584	3273
11.50%	2199	2608	3297
12.00%	2224	2633	3321
12.50%	2249	2658	3345
13.00%	2275	2682	3369
13.50%	2300	2707	3393
14.00%	2326	2732	3417
14.50%	2352	2757	3442
15.00%	2378	2783	3466

---

Jharkhand Gramin Bank Personal Loan Comparison with Other Banks

Bank	Interest Rate	Tenure	Loan Amount & Proc Fee
Jharkhand Gramin 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 Jharkhand Gramin Bank

How to Calculate EMIs for Jharkhand Gramin Bank Personal Loan

To calculate your EMIs for the Jharkhand Gramin Bank Personal Loan, just enter all the values such as the principal loan amount, tenure in months, and the rate of interest. 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.

EMI Calculator

Jharkhand Gramin Bank Personal Loan Processing Time

Your Jharkhand Gramin Bank Personal Loan takes about half a month to be processed and disbursed. 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.

Jharkhand Gramin 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 tenure ends. Jharkhand Gramin 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

Rate	5 Yrs	4 Yrs	3 Yrs
10.50%	2149	2560	3250
11.00%	2174	2584	3273
11.50%	2199	2608	3297
12.00%	2224	2633	3321
12.50%	2249	2658	3345
13.00%	2275	2682	3369
13.50%	2300	2707	3393
14.00%	2326	2732	3417
14.50%	2352	2757	3442
15.00%	2378	2783	3466

---

Jharkhand Gramin Bank Personal Loan for Salaried Employees

Jharkhand Gramin Bank offers personal loans for Salaried employees at attractive interest rates. The employees need to have a minimum net income of Rs. 30000 per month and should be employed for at least 2 years in total and for 1 year in the existing job. The personal loan offers easy repayment options, thus enabling the salaried employees to fulfill any of their personal requirements without them becoming a burden on their finance.

Jharkhand Gramin Bank Personal Loan for Self Employed Individuals

Jharkhand Gramin 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 should 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 very useful for them.

Different Personal Loan offers by Jharkhand Gramin Bank

Jharkhand Gramin Bank Doctor Loan

Jharkhand Gramin Bank offers special personal loans to doctors. Doctors can avail of a personal loan from the age of 25 years as opposed to 28 years for other self-employed professionals, and the business stability for doctors should be only for 3 years as opposed to 5 years for others. Doctors can avail of this loan as a solution for any of their financial problems and emergencies.

Jharkhand Gramin Bank Marriage Loan

Jharkhand Gramin Bank offers Personal Loan for Marriage to people who need to pay for any wedding-related expenses or any wedding functions. This personal loan for marriage can be used for anything and helps you fund a wedding without it being a burden on your financial condition. The loan, if preapproved, can be disbursed on the same day. You can apply for it online.

Jharkhand Gramin Bank Personal Loan for Government Employees

Jharkhand Gramin BankPersonal Loan for Government Employees is very useful for people working in government agencies and are offered at low-interest rates, starting at just 9.99% per annum. These loans can be availed of with other special offers and a quick disbursal. The bank does not charge any processing fee in case a loan is availed of by the Defence Personnel. This loan can be applied for online through Dialabank or in person by visiting the nearest bank branch.

Jharkhand Gramin Bank Personal Loan for Pensioners

The Jharkhand Gramin BankPersonal Loan for Pensioners can be availed of by retired employees of the Central Government, State Government, and Defence Forces. 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

Jharkhand Gramin 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 some other features as well. 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 Jharkhand Gramin Bank is extremely easy.

Jharkhand Gramin Bank Personal Loan Top Up

You can avail of the personal loan top up facility from Jharkhand Gramin Bank if you want 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. Jharkhand Gramin Bank Personal Loan top-up can be availed of with quick disbursal and no collateral requirement for a maximum amount equal to the original loan amount.

Types of Jharkhand Gramin Bank Personal Loan

Home renovation loan

Jharkhand Gramin Bank offers home redesign credit for people who wish to get their home 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 Jharkhand Gramin Bank Home Renovation Loan are:

• The financing cost for Jharkhand 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 re-modelled
• Home remodel credit from Jharkhand Gramin Bank requires negligible documentation, making the whole advance cycle bother free.
• The advance sum ordinarily gets credited into the record inside 72 hours once the bank favors your application.

Holiday Loan

Jharkhand Gramin Bank’s Holiday Loan can assist you in organizing your fantasy get-away with a minor issue. This individual advance from Jharkhand Gramin Bank can subsidize a scope of excursion related costs, including flight ticket booking, lodging facilities, guided visits, and so forth Key highlights of Jharkhand 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 Jharkhand Gramin Bank’s Fresher Funding is extraordinary. This credit alternative from Jharkhand Gramin Bank is intended to help freshers, for example, ongoing alumni looking for their first work. Some vital highlights of Jharkhand 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 advance candidate, the financial record/score, age and area of the candidate.

NRI Personal Loan

Understanding the necessities and dreams of NRIs, Jharkhand Gramin Bank offers an individual advance explicitly for NRIs. The essential advance 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.

• Jharkhand 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 Personal Loan?          

Personal Loan can be availed in simple 3 easy steps:

• All you need to do is, visit the website of Dialabank.
• Fill the simple form online, after the form filling our representative will call you back.
• Share your documents and get fast approval.

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 inside 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 inside 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 Jharkhand Gramin Bank Personal Loan Application Status

To check the status of your Jharkhand 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 Jharkhand 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 Jharkhand Gramin Bank Portal

• Visit the official website of Jharkhand 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.

Jharkhand Gramin Bank Personal 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, Jharkhand Gramin Bank had reported the RBI-commanded one-time advantage of Jharkhand 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 Jharkhand 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 Jharkhand 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.

Jharkhand Gramin Bank Customer Care

Customers can contact the Jharkhand Gramin Bank customer care via any of the following means:

• By Phone: You can call Jharkhand Gramin Bank on 18001807777 (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 Jharkhand 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 Jharkhand 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.com
• 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 Jharkhand Gramin Bank Personal Loan

✅ How to apply for Jharkhand Gramin Bank Personal Loan?

Apply through the nearest branch of Jharkhand Gramin Bank or fill a form with Dialabank and get real quick approval of your loan.

✅ What is the Interest Rate for Jharkhand Gramin Bank Personal Loan?

Jharkhand Gramin Bank charges an interest rate is 9.99% per annum for their personal loan products.

✅ What is the minimum age for getting a Personal Loan from Jharkhand Gramin Bank?

You must be at least 21 years old to apply for a personal loan with Jharkhand Gramin Bank.

✅ What is the maximum age for getting a Personal Loan from Jharkhand Gramin Bank?

The maximum age for availing of a personal loan from Jharkhand Gramin Bank is 54 years.

✅ What is the minimum loan amount for Personal Loan in Jharkhand Gramin Bank?

The minimum loan amount for Jharkhand Gramin bank Personal Loan has no limit.

✅ What is the maximum loan amount for Jharkhand Gramin Bank Personal Loan?

Jharkhand Gramin Bank lets you take a maximum loan amount of Rs. 2 lakhs under the personal loan scheme.

✅ What are the documents required for Jharkhand Gramin Bank Personal Loan?

You will require an Aadhaar card/Voter ID, PAN card, salary slips of the last 6 months, the ITR files of the last two years, and two recently clicked photographs are required for a personal loan from Jharkhand Gramin Bank.

✅ What is the Processing Fee for Jharkhand Gramin Bank Personal Loan?

Jharkhand Gramin Bank processing fee ranges from 1%-2% of the loan amount.

✅ How to get Jharkhand Gramin Bank Personal Loan for Self Employed?

Jharkhand Gramin Bank has special offers for self-employed borrowers to help them financially. You will have to present the ITR files of the last two years as your income proof.

✅ What is the Maximum Loan Tenure for Jharkhand Gramin Bank Personal Loan?

The maximum tenure duration for a personal loan from Jharkhand Gramin bank is 60 months.

✅ What should be the CIBIL Score for Jharkhand Gramin Bank Personal Loan?

You should have a CIBIL score of at least 750 or above for availing a personal loan from Jharkhand Gramin Bank.

✅ Do I have a preapproved offer for Jharkhand Gramin Bank Personal Loan?

You can examine for your preapproved personal loan offers from Jharkhand Gramin Bank through Dialabank. Just fill the form by visiting the online platform of Dialabank.

✅ How to calculate EMI for Jharkhand Gramin Bank Personal Loan?

You can calculate your personal loan EMIs by using the EMI calculator available at Dialabank’s website.

✅ How to pay Jharkhand Gramin Bank Personal Loan EMI?

Your personal loan EMIs from Jharkhand Gramin Bank are automatically subtracted from your bank account on a monthly basis. You can also use the net-banking service of Jharkhand Gramin Bank to pay for your personal loan.

✅ How to close Jharkhand Gramin Bank Personal Loan?

You will have to first pay all the outstanding personal loan amounts and then receive your no dues certificate through contact the Jharkhand Gramin Bank branch.

✅ How to check Jharkhand Gramin Bank Personal Loan Status?

You will need the visit the Jharkhand Gramin bank branch to know the status of your personal loan. 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 Jharkhand Gramin bank Personal Loan Online?

For closing your personal loan online, the steps are to be followed by you:

• Visit the net-banking page of Jharkhand Gramin bank
• Log in by filling in your details.
• Pay for your personal loan and save the transaction receipt.

✅ How to pay Jharkhand Gramin Bank Personal Loan EMI Online?

You can pay your personal loan EMI using the net-banking facility of Jharkhand Gramin Bank. Dialabank lets you compare offers and deals from different banks to choose the best for getting you a low-EMI personal loan.

✅ How to check Personal Loan Balance in Jharkhand Gramin Bank?

To check the personal loan balance in Jharkhand Gramin Bank, you will need to contact the customer care number. 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 hard work for you.

✅ How to download Jharkhand Gramin Bank Personal Loan Statement?

The personal loan statement of Jharkhand Gramin Bank can be downloaded using the Jharkhand Gramin Bank’s mobile banking app. You can visit the online at 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 Jharkhand Gramin Bank?

If you require a top-up on your personal loan from Jharkhand Gramin Bank, you will have to visit the bank branch and contact the loan officer. You can also fill a simple form with Dialabank at Personal Loan Top Up

✅ What happens if I don’t pay my Jharkhand Gramin Bank Personal Loan EMIs?

If you don’t pay your personal loan EMIs, Jharkhand Gramin Bank will charge penal interest. To get low-interest personal loans, you can apply for a balance transfer through Dialabank.

✅ How to find the Jharkhand Gramin Bank Personal Loan account number?

You will need to contact your Jharkhand Gramin 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.

Other Banks For Personal Loan

Meghalaya Rural Bank Personal Loan	Madhyanchal Gramin Bank Personal Loan
Manipur Rural Bank Personal Loan	Langpi Dehangi Rural Bank Personal Loan
Mizoram Rural Bank Personal Loan	Kaveri Grameena Bank Personal Loan
Maharashtra Gramin Bank Personal Loan	Kerala Gramin Bank Personal Loan