Best Banks for Personal Loan in Bikaner
1% - 2.5% of the Loan Amt
Personal Loan in Bikaner Features
|
Personal Loan Details
|
|
| Interest Rate |
10.75% to 24% p.a.
|
| Processing Fees | 0.5-2.5% |
| Loan Tenure |
1 year to 5 years
|
| Pre-closure Charges | 2% - 5% |
| Guarantor Requirement |
No guarantor required
|
Are you running short out of cash? Do not worry Personal Loan is available for you. This loan is unsecured in nature with minimal documentation and less paperwork. This loan will get approved in 48 hours after the verification process.
Personal Loan Bikaner is a less secured loan that provides financial aid to the customers at affordable personal loan interest rates. To avail Personal Loan, an individual needs to have a good source of income and has a good credit history.
Moreover, there is no end-use restriction on the utilization of the personal loan amount. You can use this loan amount anywhere you wish to do.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan in Bikaner Interest Rates- Jan 20 2025
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 Bikaner Fees & Charges – Jan 20 2025
| 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
PERSONAL LOAN
Interest Rate 9.99%
Documents Required for Personal Loan in Bikaner
List of Documents Required for Salaried Applicants
Salaried individuals must submit the following documents in addition to a completed personal loan application form:
| Photo Identity Proof (Any one) | Passport PAN Card Voter’s ID Aadhar Card Driving License |
| Address Proof (Any one) |
Passport
Utility Bill (telephone, electricity, water, gas) – less than 2 months old Aadhaar Card Driving License Ration Card |
| Income Proof |
Salary slips (Last 3 months)
Bank statements for the last 3 to 6 months (showing salary credit) |
| Tax Paid (Any one |
IT returns (for 2 years)
Form 16 |
| Residence Ownership Proof (Any one) |
Property documents
Maintenance bill Electricity bill |
| Proof of Job Continuity (Any one) |
Current employment certificate
Current job appointment letter (if more than 2 years have been spent in the same organisation) Experience certificate (previous employer’s relieving or appointment letter along with job certificate) |
| Proof of Investment (if any) |
Fixed assets, fixed deposit, shares, etc.
|
| Existing Loans (if any) |
Payment Track Record & Sanction letter
|
| Photograph |
One coloured passport size photograph
|
List of Documents Required for Self-employed Applicants
Self-employed personal loan applicants must submit the following documents in addition to a fully completed loan application form:
| Photo Identity Proof (Any one) | Passport PAN Card Voter’s ID Aadhaar Card Driving License |
| Address Proof (Any one) |
Passport
Aadhaar Card Driving License Utility Bill (telephone, water, electricity, gas) – less than 2 months old Ration Card |
| Proof of Residence Ownership (Any one) |
Property documents
Maintenance bill Electricity bill |
| Proof of Office Address and Ownership (Any one) |
Maintenance bill
Property documents Electricity bill |
| Proof of Business Existence (Any one) |
Copy of GST registration
Company registration license Shop establishment proof |
| Income Proof |
Last 2 years Income tax returns of the applicant along with computation of income duly attested by a Chartered Accountant
Audited balance sheet and Profit & Loss accounts, including tax audit report, if applicable |
| Bank statement |
Savings/current account bank statement/ bank passbook for the past one year
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| Proof of Investment (in case any) |
Investments such as fixed deposit, fixed assets, shares, etc.
|
| Existing Loans (in case any) |
Payment Track Record and sanction letter
|
| Professional Degree Certificate |
In case of professionals
|
| Photograph |
One coloured passport size photograph
|
List of Documents Required for NRI Applicants
When applying for a personal loan, NRI candidates are typically required to submit the following documents:
| Identity Proof | Copy of the passport Copy of the visa |
| Employment Proof | Letter of Appointment Job contract Labour/ Identity card (if applicable) Official email ID or the HR’s email ID |
| Income Proof | Last 6 months’ bank statements Last 6 months’ salary slips or salary certificate |
| Photograph | Passport size photographs |
List of Documents Required for Pensioners
When applying for a personal loan, a pensioner must submit the following documents:
| Identity/Age Proof (Any one) |
Ration card
Passport PAN card Aadhar card Voter ID card Driving licence Birth certificate School leaving certificate |
| Address Proof (Any one) | Passport Aadhaar card Utility bills Ration card Driving licence |
| Income Proof (Any one) |
Last 6 months’ bank statements/salary slips
Bank passbook Form 16 Copy of pension payment order Income tax returns |
| Photographs |
Passport size photographs
|
Know More About: Personal Loan Eligibility Criteria
Personal Loan in Bikaner Eligibility Criteria
The personal loan eligibility criteria for both Salaried and Self-Employed for availing a personal loan in Bikaner are different:
| Particulars | Salaried | Self-Employed |
| Age | 21 - 60 years | 21 - 65 years |
| Minimum Income | Rs.15,000* | Rs.5 Lakh p.a. |
| Co-applicant | Not mandatory | Not mandatory |
| Loan Tenure | 12 – 60 months | 12 – 60 months |
| Maximum Loan Amount | Rs.40 Lakh | Rs.40 Lakh |
| Employment Type | Employees of private limited companies and public sector undertakings |
Self-employed individuals
|
| Employment/Business Continuity | At least 2 years; minimum 1 year with current employer |
4 years Post Qualification experience for Doctors/ Chartered Accountants.
5 years Post Qualification experience for Company Secretary / Architect. |
| CIBIL Score | 750 and above | 750 and above |
| Residential Status |
Resident Indian staying in own house or a rented house
|
|
*In cities such as Kochi, Kolkata, Ahmedabad, Pune, Hyderabad, Mumbai, Chennai, Bengaluru, and Delhi the net monthly income required is Rs.20,000
Click here to know more about - Salaried Applicant
Click here to know more about - Self-employed Applicant
*Note: The eligibility criteria vary from lender to lender.
Check Personal Loan Eligibility with Top Lenders in 2021
| Bank | Age Limit | Minimum Work Experience |
Minimum Income (Per Month)
|
| SBI | Up to 76 years | NA** | Rs.15,000 |
| HDFC | 21 to 60 years | 2 years | Rs. 20,000 |
| Private | 23 to 58 years | 2 to 5 years | Rs.17,500 |
| Axis | 21 to 60 years | NA** | Rs.15,000 |
| Kotak Mahindra | 22 to 55 years | 1 year | Rs.25,000 |
| Tata Capital | 21 to 58 years | 1 year | Rs.15,000 |
| IndusInd | 21 to 60 years | 2 to 5 years | Rs.25,000 |
| Ujjivan Small Finance | 22 to 58 years | NA** |
Above the minimum wage limit
|
| India Infoline Finance Limited | 25 to 60 years | 6 months to 2 years | Rs.35,000 |
| HDBFS | 21 to 65 years | 1 year to 3 years |
Rs.15,000 for salaried
Rs.1 lakh p.a. for self-employed |
| Indian Overseas Bank | Up to 58 years | NA* | Rs.5,000 |
| IDFC First Bank | 23 to 68 years | 3 years | NA* |
| Federal Bank | 21 - 55 Years | 3 years | Rs.25,000 |
| Punjab National Bank | 21 – 58 years | 2 years for doctors | Rs.15,000 |
| Andhra Bank | 21 - 55 years | NA** | NA* |
| Canara Bank | NA** | NA** |
Salaried: Rs.6,000 & above
Self-employed - Rs. 1.5 lakh |
| IDBI Bank | Up to 75 years for Pensioners | NA** | Rs.1.5 lakh p.a. |
| Fullerton India | 21 to 55 years | 1 to 2 years | Rs.15,000 |
| RBL Bank | 25 to 60 years | 1 to 3 years | Rs.25,000 |
| Bank of Baroda | 21 to 60 years | 1 year to 2 years |
60% of gross monthly income
|
| Deutsche Bank | 25 to 60 years | NA** | Rs.25,000 |
| Karnataka Bank | NA** | 3 years | NA* |
| United Bank of India | up to 75 Years | 2 years | NA* |
| UCO Bank | 21 to 65 years | 1 year to 5 years | Rs.20,000 |
*Personal loan disbursal is solely at the bank’s discretion and as per the bank’s terms and conditions
Learn More about Personal Loan: Click Here
PERSONAL LOAN
Interest Rate 9.99%
Salaried Applicants
- 21 years is the minimum age required for getting a personal loan.
- 60 years is the maximum age for getting a personal loan.
- The applicants must have the work experience of the three years. The salary should come to their bank accounts only.
- The applicants should have a good credit history.
- The job location of the applicant should be introduced.
- An individual should have a minimum income of INR 25,000 per month.
Click here to know more about- Salaried Applicant
Self-Employed Applicants
- The minimum age requirement for an applier should be 25 years.
- The applicants applying for the personal loan must have the ITR files for the last three years.
- If the candidates are the businessman, then the business must be running from the past three years.
- The credit score of the applicants should be good. There must not be any debt left.
- The annual income of the candidates should be a minimum of Rs 2.5 lakh.
- For the whole documentation processing of the personal loan, the applicants have to submit his financial and his bank statement for the previous three months.
Click here to know more – Self-employed Applicant
Why Apply for Personal Loan in Bikaner?
- There is no need to deposit any collateral to the bank.
- A personal loan is a multi-purpose offer loan. It can be used for all the economical troubles.
- The amount of personal loan depends on individual income and capacity.
- A Personal Loan does not need any guarantor or nominee.
How to apply for Personal Loan in Bikaner?
- Visit Dialabank
- Visit the loan section and click on the personal loan link.
- An applier will be directed to all details of the personal loan where they can opt for their preferred city.
- For more information and guidance about a personal loan, you may call on 9878981166.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fees / Prepayment Charges on Personal Loan in Bikaner
Every Bank and NBFC charges a processing fee for your Personal Loan Bikaner application. The Personal Loan Bikaner Processing fees are 1% of the sanctioned loan amount.
In case you want to foreclose your loan before the agreed loan tenure, every lending foundation charges you a penal prepayment fee. In most cases, you cannot close your personal loan before 12 months. After 12 months, the charges vary depending on how many years the loan has done. These charges vary from 4% in the 2nd year to 2% in the 4th year of the loan amount.
Personal Loan EMI Calculator Bikaner
You can use personal loan EMI calculator to calculate EMIs. Equated Monthly Installments is the monthly fixed payments that you pay to the bank for the loan amount you have borrowed. Based on your profile, the interest rate on your loan is pre-determined. Your personal loan EMI is calculated on the basis of Interest Rate you are charged by the bank and the loan amount you have to take and the period for which you enjoy the loan.
CIBIL Score required for Personal Loan Bikaner
Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan Bikaner application. Most institutions need a minimum score of 750 to process your loan application.
Apart from the CIBIL score, every institution is noticed the detailed behaviour on the previous loans taken. This includes details on the type of loan taken and the amount borrowed. Any late payments for previous loans can act as a hurdle to your availing a fresh loan.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Bikaner Agents/Broker
Dialabank is the leading agent for availing Personal Loan Bikaner. You can apply on Dialabank or give a call at 9878981166
Dialabank helps you to check out the best option of Banks and NBFCs by providing you with a detailed market comparison of various banks so that you can make the right choice. Visit the website Dialabank and fill a simple form using your details. Our customer relationship managers will contact you soon.
Personal Loan Bikaner Contact Number
Call 9878981166 and get instant help and approval for Personal Loan Bikaner.
Pre Calculated EMI Table for Personal Loan Bikaner
About Bikaner
Bikaner is a city in the state of Rajasthan, India. It is situated 330 kilometres (205 mi) northwest of the state capital, Jaipur. Formerly the capital of the princely state of Bikaner, the city was established by Rao Bika in 1488 CE, and from its small origins, it has evolved into the fourth largest city in Rajasthan.
FAQs About Personal Loan Bikaner
✅ Who can apply for a Personal Loan in Bikaner?
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 Bikaner.
✅ What is the tenure of Personal Loan in Bikaner?
Most of the Banks and NBFCs provide a Personal Loan for a minimum period of 1 Yr and a maximum period of 5 Years. There are few Banks which extend the maximum duration up to 7 Years also. The tenure is rigid and cannot be extended. The repayment has to be done in equal monthly instalments in the agreed loan tenure duration.
✅ Are there any other charges involved in Personal Loan Bikaner?
Yes, the charges are of two types that one needs to pay in order to get a personal loan Bikaner:
Processing Fee: For every bank or lending foundation that you borrow from, there is a fee charged from the customer. This is called as Processing Fee. The personal loan Bikaner processing fee is 1% of the amount of loan.
Pre-closure Charges: If you want to close a running loan before its agreed tenure duration, the Banks and NBFCs charge an additional amount is the pre-closure charges on the loan amount. Different banks have different pre-closure charges. The pre-closure charges vary depending on how many years has your loan finished before you decide to pre-close it.
✅ Can my application for Personal Loan Bikaner get rejected due to the CIBIL score?
Since Personal Loan is not a much- secured loan, one of the most important criteria for availing your Personal Loan approval is the CIBIL Score. Having a High CIBIL score becomes important if you wish to get a Personal Loan in the future. Make sure you don’t skip any of your personal loan EMI payments that will result in decreasing your CIBIL score. Most of the Personal Loan rejects due to a low CIBIL Score.
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