Major Personal Loan Providers in Bharuch
1% - 2.5% of the Loan Amt
Personal Loan Bharuch Features
Are you planning for a dream vacation? Desiring to gift someone an expensive gift or renovating your house? If you are looking to meet the expense for admission of your child or marriage, or it is a temporary cash crunch. Personal Loan is the answer to all your needs and desires.
A personal loan will help you in several ways. Some basic details of a personal loan are:
- The Loan amount depends upon the income capability of the person.
- It is a multi-purpose offer which means it can be used for various purposes.
- There is absolutely no need to put any property or asset as collateral to the lender.
- No cosigner is required.
With a personal loan, everything is possible. The loan is unsecured in nature and requires minimal documentation and less paperwork. This loan can get disbursed within 48 hours once the verification process is complete.
Personal Loan Bharuch Interest Rates
To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates
Bank
Processing Fee
HDFC Bank Personal Loan
0.25% to 1.50%
Axis Bank Personal Loan
0.50% to 1.50%
Nil
Private Bank Personal Loan
0.25% to 1.50%
SBI Personal Loan
500/- to 0.50%
Nil
Kotak Personal Loan
1% to 2%
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
Documents for Personal Loan Bharuch
Certain documents are required to avail a personal loan vary for salaried customers and self-employed ones. Following are the basic documents required for both kinds of customers:
Salaried Customers:
- PAN Card
- Residence Proof (Owned/Rented/Company provided)
- Passport-sized photographs – 2
- Identity proof (Aadhar card/driving license)
- Income proof in the form of Salary slips of last three months
- Bank statements for the last six months
Self-Employed Customers:
- Financial statements are to be submitted (Balance Sheet, P&L Statement as well as ITR files)
- PAN Card
- Aadhar Card
- Residence Proof
- Two passport-sized photographs
PERSONAL LOAN
Interest Rate 9.99%
Eligibility Criteria for Personal Loan Bharuch
The Personal loan eligibility criteria are also different for both Salaried and Self-Employed customers in the following manner:
Salaried Applicants:
- Minimum age: 21 years
- Maximum age: 60 years
- Minimum Experience: a half year in the present place of employment. On account of Super, A organization least involvement with the present place of employment required is three months.
- Net monthly income: Above Rs. 18,000
- Total experience required: 1 year.
- CIBIL score 750+ (preferably)
Self-Employed Applicants:
- Minimum age: 25 years.
- Maximum age: 65 years.
- Minimum annual turnover: Rs. 20 lakh
- Experience in current business: 3 years
- Total experience in business: 5 years
Why Apply for Personal Loan Bharuch?
- A Loan without any security: Banks don’t ask for any security or collateral. So, there is no need for depositing one.
- Simple Documentation: You can get the loan with minimum documentation within no time. Banks need documents like identity proof, income proof, etc.
- The amount can range from Rs. 50,000 to Rs. 20 lakh.
- Fast Loan Approval: It is easily sanctioned within 48-72 hours once the documents are approved. After the documents are verified, the loan will get disbursed within a few hours.
- Multipurpose: Personal loans can be used for numerous purposes like paying bills, planning holidays, weddings, buying new land, etc.
- No Third-party: It is a relationship between the borrower and the lender, which means there is no involvement of the third party.
How to apply for Personal Loan Bharuch?
- Visit Dialabank
- Fill in the required details like your name, income, location, etc.
- Choose a personal loan option from the box given below.
- Click on Request a quote.
- Relax as our relationship manager will soon get in touch with you.
- For any assistance, you may call on 9878981166.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fee / Prepayment Charges on Personal Loan Bharuch
Every Bank and NBFC charges a specific fee for processing your Personal Loan application known as a processing fee. The Personal Loan Bharuch processing fee is 1% of the total sanctioned loan amount.
In case you wish to foreclose your loan before the agreed loan tenure, the lending institution charges you a penal prepayment fee also called the Pre-closure charges. The tenure usually lasts 12 months. After that, the pre-closure charges vary depending on the tenure left. These charges vary anywhere from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan respectively.
Personal Loan interest rates
To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates
Bank
Processing Fee
HDFC Bank Personal Loan
0.25% to 1.50%
Axis Bank Personal Loan
0.50% to 1.50%
Nil
Private Bank Personal Loan
0.25% to 1.50%
SBI Personal Loan
500/- to 0.50%
Nil
Kotak Personal Loan
1% to 2%
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
Personal Loan Bharuch EMI Calculator
Equated Monthly Installments also know as EMI are referred to as the monthly fixed charges that you are required to pay to the bank as monthly repayment for the loan amount borrowed. Based on certain factors like your loan amount and tenure, the personal loan interest rate on your loan is calculated. Personal loan EMI Calculator. Your EMI is determined premise the Interest Rate you are charged by the bank which is required to be paid each month for the referenced residency.
CIBIL Score required for Personal Loan Bharuch
Every financial lending institution has its own criteria for the minimum CIBIL score requirement for processing a Personal Loan application in Bharuch. A CIBIL score of 750 and above is helpful to process your loan application easily. Sometimes banks might look into other factors like income and job stability to process the loan.
The institutions don’t just check the overall score but also the detailed behaviour on the previously held loans by the applicant. This includes minute details on the type of loan borrowed and the amount of loan borrowed. Any delayed payments for previous loans can act as a hindrance to your availing a new loan.
- A CIBIL score of 750 and above will ensure you hassle-free accessibility to loans.
- A CIBIL score of 700-750 might require the bank/NBFC to check on other various important factors.
- A zero or negative CIBIL score will require a bank/NBFC to check on your job’s stability, assets, house, the capability to repay, etc.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Bharuch Agents
Dialabank helps you in comparing offers from various banks and NBFCs so that you can avail of the best interest rates available according to your need and capability. DialaBank is your best operator accessible for individual credit in Bharuch. Our relationship supervisor will guarantee you get the most minimal conceivable financing cost on your own advance with problem-free documentation. The advantages of applying through DialaBank are:
- Most reduced loan costs
- Moment Approval in 2 hours
- Simple Documentation and adaptable credit residency
- Get a committed helpline for your credit enquiries.
Personal Loan Bharuch Contact Number
Call 9878981166 and get instant help and approval for Instant Personal Loan in Bharuch.
Pre Calculated EMI Table for Personal Loan Bharuch
About Bharuch
Bharuch is situated at a distance of 70 km from Vadodara in northern India. It is situated at a distance of 60 km from Surat to the South. It is situated near the banks of River Narmada. Various names have known Bharuch in the past. It was once known as Bharakuccha. Later, the city was termed Bhrigu Kaksha, Broach, and Bharuch.
