Major Personal Loan Providers in Anandpur Sahib
Feature | HDFC Bank | Private Bank | Bajaj Finance |
Interest Rate | 10.75% - 17% | 11.25% - 18.5% | 0.12 |
Min Loan Amt | Metro : 75000 & Non Metro: 50000 | 50000 | 100000 |
Max Loan Amt | 50 Lacs | 50 Lacs | 1 Cr |
Loan Tenure | 1 - 5 Years | 1 - 5 Years | 1 - 5 Years |
Processing Fee | 0.25% - 2% of the Loan Amt | 1% - 2.5% of the Loan Amt |
0.5% - 2% of the Loan Amt
|
Preclosure Charges | 2%, Nil foreclosure charges after 12 months | 2%, Nil foreclosure charges after 24 months | Nil |
Overdraft Facility | No | No | Yes |
Personal Loan Anandpur Sahib Features
A personal loan is definitely not a bad choice if you are wondering how to pay your overdue!
Personal Loan Anandpur Sahib – is a sum of funds that are given by the banks and the NBFCs with easy to pay EMIs and a low rate of interest, helping you to solve any financial crunches you are facing.
A personal loan is an unsecured loan that is given to anyone who is salaried or is self-employed and is with minimal documentation and paperwork. With the proper paperwork and verification processes, you can get a loan approval within 48 hours.
Personal Loan Anandpur Sahib provides financial guidance to all customers at affordable rates. To get a Personal Loan, the applicant is required to have a comparatively stronger and firm source of income and also a fairly good credit history profile.
A personal loan has no end-use restrictions. Meaning you can use the loan the way you like. For example, paying bills, funding a vacation, a wedding, etc.
In order to apply for a personal loan, Rajasthan click on Personal Loan
Personal Loan Anandpur Sahib Interest Rates
Bank | Processing Fee |
Prepayment Charges
|
HDFC Bank Personal Loan | 0.25% to 1.50% |
2%, Nil foreclosure charges after 3 months
|
Axis Bank Personal Loan | 0.50% to 1.50% | Nil |
Private Bank Personal Loan | 0.25% to 1.50% |
2%, Nil foreclosure charges after 9 months
|
SBI Personal Loan | 500/- to 0.50% | Nil |
Kotak Personal Loan | 1% to 2% |
2.25% of fore closure amount if closed 1 month ahead of the tenure.
|
IIFL Personal Loan | Nil | Nil |
Muthoot Personal Loan | Nil | Nil |
Manappauram Personal Loan | Nil | Nil |
PNB Personal Loan | 0.70% to 1% | Nil |
Canara Bank Personal Loan | 0.01 | Nil |
Andhra Bank Personal Loan | Nil | Nil |
To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates
Documents for Personal Loan Anandpur Sahib
Salaried Customers:
- Identity proof (Aadhar card/driving license)
- Statements for the salary of the past three months.
- Bank statements for the last 6 months
- PAN
- Proof for Residence (Own/Rent/Company provided)
- Passport-size photograph – 2
*NOTE: If one lives in rented apartments, rent agreement needs to be attached.
Self-Employed Customers:
- All financial statements are required (Balance Sheet, P&L Statement as well as ITR files)
- PAN Card
- Aadhar
- Residence Proof
- Passport-sized photographs- 2
PERSONAL LOAN
Interest Rate 9.99%
Eligibility Criteria for Personal Loan Anandpur Sahib
Click here to know more about personal loan eligibility
Salaried Applicants
- The base age of the candidate ought not to be under 21 years or over 60 years.
- The candidate must have a working understanding of in any event three years. The compensation ought to have been moved in their records as it were.
- The applicant should have an outstanding credit history.
- The job location of the applicant should be mentioned.
- The borrower must have a minimum income of at least INR 25,000 p.m.
Click here to know more about a personal loan for- Salaried Applicant
Self-Employed Applicants
- The age of an independent person applying should be at least 25 years.
- The applicant applying for a personal loan should have been filing ITR for the past three years. In case the applicant is a businessman, then the business is required to be running well from the last 3 years.
- The credit score of the applicant should be good and there must not be any debt or any dues pending.
- The yearly income of the applicant should be no less than Rs 2.5 lakh.
- The entire document verification process for personal loan approval requires the applicants to submit their financial statements and their bank statement for the past three months.
Click here to know more about the personal loan for– Self-employed Applicant
Why Apply for Personal Loan Anandpur Sahib?
- There is no requirement of depositing any mortgage as a security to the bank.
- A personal loan is a multidimensional loan, so it can be put to use for any kind of issue or problem.
- The amount of personal loans is based on the repayment capacity of the applicant.
- A Personal Loan does not require any nominee.
How to apply for Personal Loan Anandpur Sahib?
- Visit our website: www.dialabank.com.
- Then, go to the loan section and click on the personal loan link. It will guide you to the detailed information of the personal loan where you can pick your city. For more information and free guidance, please call 9878981166.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fee / Prepayment Charges on Personal Loan Anandpur Sahib
All Banks and NBFCs demand a certain fee to process a Personal Loan application. This cost varies from 1.5% to 2.5% of the sanctioned loan amount.
If you wish to close your loan before the decided loan tenure, all lending institutions will ask you to pay a penalty as a prepayment fee. Usually, you will not be allowed to close your loan before the period of 12 months. After this, the charges differ based on the number of years the loan has completed. This charge varies from 4% of the remaining loan amount in the second year to 2% in the fourth year of the loan.
To know about the interest rate click on personal loan interest rate
Personal Loan Anandpur Sahib EMI Calculator
Equated Monthly Installments or EMI is a fixed rate that you are needed to pay to the bank as monthly repayment for the loan amount which is secured. According to your profile, the rate of interest on your loan is set. The EMI on your loan is calculated depending upon the Rate the bank charges you with and the loan amount you have to take and the period for which you take the loan.
CIBIL Score required for Personal Loan Anandpur Sahib
All the lending institutions have their own criteria for a minimal CIBIL score that is needed to process a Personal Loan application in Anandpur Sahib. Mostly, the institutions need a minimum score of at least 750 to further process an application.
No institution only looks at the overall score. They also look at an elaborated view of the previous loans. The details include the type of loans and the amount of money that was borrowed. If there exists any delay in the payments of the previous loans, it may hinder the approval of the present loan.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Anandpur Sahib Agents
Dialabank is one of the leading agents for availing Personal Loan in Anandpur Sahib.
You can apply online at Dialabank.
Dialabank is the bridge to choose the better option between several Banks and NBFCs by providing you with a structured market comparison of different banks. This eliminates the unnecessary worries about the complex information and procedures you have to go through. So, you can make the right choices. Visit our website Dialabank to fill a simple form for more details and our customer relationship managers will soon get in touch with you.
Personal Loan Anandpur Sahib Contact Number
Call 9878981166 and get timely assistance and approval for a Personal Loan in Anandpur Sahib.
Pre Calculated EMI Table for Personal Loan Anandpur Sahib
Click here for a 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 |
About Anandpur Sahib
Anandpur Sahib, also called as Anandpur, is a city in Rupnagar district, on the edge of Shivalik Hills, in Punjab.
FAQs About Personal Loan Anandpur Sahib
✅Who can apply for a Personal Loan in Anandpur Sahib?
People who have an immediate need for cash and have a regular source of income (from employment or business) can apply for a Personal Loan in Anandpur Sahib.
✅What is the tenure of Personal Loan in Anandpur Sahib?
Most of the Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. There are some Banks which extend the maximum period to 7 Years also. The tenure is fixed and cannot be extended. The repayment has to be done in equal monthly installments within the agreed tenure of the loan.
✅Are there any other charges involved in Personal Loan Anandpur Sahib?
Yes, there are 2 types of charges that one needs to pay in order to avail a personal loan in Anandpur Sahib:
Processing Fee: For every bank or lending institution that you borrow from, there is a small fee that they charge from the customer. This is known as Processing Fee. The amount of processing fee varies for each lending institution and is normally between 1% and 2.5% of the loan amount.
Pre-closure Charges: If you want to close a running loan before its decided tenure period, the Banks and NBFCs charge an extra amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges vary depending on how many years has your loan completed before you decide to pre-close it.
✅Can my application for Personal Loan Anandpur Sahib get rejected due to my CIBIL score?
Personal Loan, being an unsecured loan, one of the most significant decision criteria for getting your Personal Loan application approved is your CIBIL Score. Having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan in the future. Make sure you don’t leave or delay any of your loan EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections occur because of a low CIBIL Score.
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