Personal Loan Araria

Major Personal Loan Providers in Araria

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 Araria Features

Personal Loans offer quick processing and can be used for plenty of purposes. When you are planning a vacation, renovating your home or arranging a dream wedding, a personal loan can be considered. Get a Personal Loan with minimal documentation and speedy approval with DialaBank. So, make your dreams come true with quick approval on Personal Loans!

Personal Loan provides monetary assistance at a moderate and just rate. The applicant is expected to have a reliable earning capacity and genuine credit profile.

To apply for a personal loan in Araria click on Personal Loan

Personal Loan Araria 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 Araria

Salaried Customers:

1. Identity proof (Aadhar card/ Driving license)
2. Statement of the salary of the past 3 months.
3. Bank statements of the past 6 months
4. PAN Card
5. Proof for Residence (Own/Rented/Company provided)
6. 2 Passport-size photographs

Self-Employed Customers:

1. All financial statements (Balance Sheet, P&L Statement and ITR files)
2. PAN Card
3. Residence Verification Proof
4. Aadhar Card
5. Passport-sized photographs- 2

Eligibility Criteria for Personal Loan Araria

Click personal loan eligibility

Salaried Applicants

1. The base age of the candidate ought not to be under 21 years or over 60 years.
2. The candidate must have work knowledge of three years. Compensation to be moved in their records.
3. The applicant should have a good credit history.
4. The job location of the applicant should be notified.
5. The borrower must have a minimum monthly income of INR 25,000

Click here to know more about a personal loan for- Salaried Applicant

Self-Employed Applicants

1. The age of the person applying should be at least 25 years.
2. The applicant should have been registering ITR for the past three years. A businessman is required to run the business from the last 3 years.
3. The credit score should be good and there must not be any debt pending.
4. The annual income of the applicant should be at least Rs 2.5 lakh.
5. The whole documentation process needs the claimants to submit their financial statement and bank statement of the past 3 months.

Click here for eligibility of– Self-employed Applicant

Why Apply for Personal Loan Araria?

1. There is no restriction for the terms of depositing any mortgage as a pledge to the bank.
2. A personal loan is a kind of multidimensional loan, which can be put to use for any subject.
3. The amount of personal loans is solely based on the repayment capacity of the candidate.
4. A Personal Loan does not need any nominee or guarantor.

How to apply for Personal Loan Araria?

1. Visit this website: www.dialabank.com.
2. Afterwards, go to the loan section and go to the personal loan link. It will lead you to the complete information of the personal loan where you can choose your city. For more information, call 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Araria

All Banks and NBFCs require a certain fee to process a Personal Loan request. This charge ranges between 1.5% to 2.5% of the approved loan amount.

If you want to shut your credit before the decided credit period, all loaning corporations will impose you a fine as a prepayment charge. You won’t be allowed to terminate your credit before the cycle. Post that, the charges vary reliant on the number of years the loan has terminated. This charge changes from 4% of the balance in the next year to 2% in the fourth year of the loan.

To know the interest rate click on personal loan interest rate

Personal Loan Araria EMI Calculator

Equated Monthly Installments or EMI signifies a cyclic set rate that you need to return to the bank as monthly compensation for the loan amount which is obtained. According to your profile, the rate of interest on your loan is fixed. The EMI on your loan is determined depending upon the Rate bank charges you with and the loan amount you have to take and the duration for which you take the credit.

CIBIL Score required for Personal Loan Araria

All the lending companies have their own criteria for a least CIBIL score that is necessitated to prepare a Personal Loan application in Ramgarh. Commonly, the organisations demand a least score 750 to process an application form.

No organisation simply views at the overall record; they also study at a refined composition of the preceding loans. The specifications involve the sort of loans and the amount of wealth that was procured. If there is any delay in the returns of the prior loans, it may terminate the approval of the present loan.

Personal Loan Araria Agents

Dialabank is one of the top lending agencies for Personal Loan in Araria. You can readily apply online at www.dialabank.com or call at 9878981166

Dialabank aids you to pursue the best alternative of Banks and NBFCs by delivering you a way to an inside-detail market comparative study of several banks to serve you choose the accurate one. Visit our website www.dialabank.com to fill an uncomplicated form with the details of individual and job/business data. Our client association handlers will be in touch with you soon.

Personal Loan Araria Contact Number

Call 9878981166 and get appropriate support and approval for Personal Loan in Araria.

Pre Calculated EMI Table for Personal Loan Araria

Click here for 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

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About Araria

Araria is a municipality that is the headquarters of Araria district in the state of Bihar, India.

FAQs About Personal Loan Araria

Who can apply for a Personal Loan in Araria?

People who have an urgent need for cash and have a regular source of income (from employment or business) can apply for a Personal Loan in Araria.

What is the tenure of Personal Loan in Araria?

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 instalments within the agreed tenure of the loan.

Are there any other charges involved in Personal Loan Araria?

Yes, there are 2 types of charges that one needs to pay in order to avail a personal loan in Araria:

• 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 Araria 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.

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