Personal Loan Chittaranjan

Why apply for Personal Loan in Chittaranjan?

One might ask why would someone apply for personal loans in Chittaranjan? Due to the fact that a personal loan is a multipurpose loan and can help you with all the personal financial requirements. Moreover, the borrower is not required to keep the asset as security so people can feel with keeping their assets with themselves. Not only the asset but neither a guarantor is required to have a personal loan. All amount of personal loans will be allocated on the basis of the income of the person and his repayment capabilities. In addition, it will help you increase your credit score.

For more information and free guidance, you may call on 9878981166

 Eligibility Criteria for Personal Loan Chittaranjan

If a person fulfils the Eligibility criteria for personal loan, then he can get the amount efficiently.

Eligibility for Loans depends upon several factors such as your credit score, monthly income, and several other ongoing EMIs and other such financial data.

There are two categories of applicants:

1. Salaried
2. Self-employed

There are totally different criteria mentioned below for both type of applicants.

For more information and free guidance, you may call on 9878981166

 You can calculate your EMI here: Personal Loan EMI Calculator

Salaried Applicant:-

1. The minimum required age of an applicant should be 21 years and the maximum can go up to 60 years of age.
2. An applicant from the metropolitan cities should have a minimum income of ₹ 18,000 and for the non-metropolitan city, the minimum salary should be ₹ 12,000.
3. The applicant must have three years of work experience, and the salary should be received in their account only.
4. An applicant applying for the Personal Loan must be having a good credit history to be eligible.
5. An applicant has to submit his bank statement for the last three months and salary slip of the last 6 months.

Click here to know more about- Salaried Applicant

  Self-employed Applicant:-

1. The age of the applicant should be at least 25 years of age.
2. The applicant applying for a Personal Loan should be filing ITR for the past three years at least.
3. The credit score of the applicant must be good.
4. The minimum amount earned by the applicant should be ₹ 2.5 lakhs per year at least.
5. If the applicant is a businessman then his business should be running for at least for the last three years.
6. The whole documentation process is straightforward; the applicant has to submit his financials and his bank statement of the previous three months.

Click here to know more – Self-employed Applicant

Documents for Personal Loan Chittaranjan

1. Identity proof: One should have the following documents(Passport/Id card/voter card/driving license/Aadhar Card) any one of them will work.
2. Residence proof: The documents needed as proof of residence are:  (Passport/Id card/Voter card/Driving license/Ration Card/Aadhar Card).  If the applicant is living in a rented apartment, then he has to submit, electricity bill in his name and the address of the owner and his rental agreement.
3. Under KYC formality: The applicant has to provide his PAN card as it is important to know the customer.
4. Salaried applicant: The applicant has to submit his bank statements for the last six months and the salary slip of the previous three months.
5. Self-employed: The person applying for a personal loan should file ITR for the last three years, and the business should be registered.
6. Coloured photograph: applicant must provide at least two passport-sized photographs.

 Interest Rates on Personal Loan Chittaranjan

There are many factors when looked into the interest rates, especially in personal loans where the factors are many and a lot of things are to be considered before quoting the interest rate. The interest rates in personal loan depend upon the company’s profile and salary of a person. Although, the interest rate of personal loans starts from 10.75% per year.

More About: Interest Rates on Personal Loan

Tenure of Personal Loan Chittaranjan

The tenure of the personal loan can vary from either 1 year to 5 years.

For more information and free guidance, you may call on 9878981166

How to apply for Personal Loan Chittaranjan?

1. Visit Dialabank.
2. Go to the loan section and click on the personal loan link.
3. The applicant will be directed to all details of the personal Loan where they can choose their preferred city.
4. For more information and free guidance, you may call on 9878981166.

About Chittaranjan

Chittaranjan is a census town in Salanpur CD Block in Asansol Sadar subdivision of Paschim Bardhaman district in the state of West Bengal, India. It was featured in BBC’s ‘The Great Indian Railway Journey’. It is popularly known for Chittaranjan Locomotive Works. From the serene sunsets near the Ajay river to the religious and popular tourist destination of Shiv Mandir, the place has lot to offer. Moreover, a perfect evening in a pollution-free environment is unreal for the people coming from metropolitan cities. Chittaranjan is a place one should visit to feel the calmness of West Bengal.

Personal Loan Interest Rates: Updated 2021