Personal Loan Cooch Behar

Best Banks for Personal Loan in Cooch Behar

Feature	HDFC Bank	Private Bank	Bajaj Finance
Interest Rate	10.75% - 17%	11.25% - 18.5%	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 in Cooch Behar Features

Personal loans are there to provide you with financial support in uncertain or need-based times. This personal loan is unsecured and not demands any security or collateral for loan approval.

Normally, Banks provide personal loans to those individuals who are eligible and have sound creditworthiness. The personal loan amount can be used without any restriction, money or funds provided to your bank account you spend anywhere you want.

Personal Loan in Cooch Behar Interest Rates and Charges

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 in Cooch Behar Documents Required

Salaried Customers:

1. Identity proof (Aadhar card/driving license)
2. Salary slips of last three months
3. Bank statements for the last 6 months
4. PAN Card
5. Residence Proof (Owned/Rented/Company provided)
6. Passport-sized photographs – 2

*NOTE: In the case of rented apartments, a rent agreement needs to be attached.

Self-Employed Customers:

1. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
2. PAN Card
3. Aadhar Card
4. Residence Proof
5. Two passport-sized photographs

Personal Loan Cooch Behar Eligibility Criteria

The Personal Loan Eligibility criteria for both Salaried and Self-Employed persons are different:

Salaried Applicants

1. The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
2. The applicants must have work experience of nearly three years. And the salary or pay should be received in their respective accounts only.
3. The applicants must have the best credit history for loan approval.
4. The job location of the applicant should be mentioned.
5.  A borrower should have a minimum income of INR 25,000 per month

Click here to know more about- Personal Loan Salaried Applicant

Self-Employed Applicants

1. The minimum age requirement for an independent person should be 25 years.
2. The applicants applying for the personal loan Cooch Beharshould filed ITR for the last three years.
3. If the applicants or individuals are businessmen, they should run for at least three or more years.
4. The individual applicants’ credit score should be good even there should not be any debt or dues outstanding left.
5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
6. The whole documentation process of the personal loan Cooch Behar is the applicants have to submit their financial and bank statements of the previous three months.

Click here to know more –Personal loan Self-employed Applicant

Why Apply for Personal Loan Cooch Behar?

1. There is no need to provide any mortgage and collateral security to the bank.
2. A personal loan is a multi-purpose offer loan. It can be used for all the problems related to financial needs.
3. The amount of personal loan Cooch Behar depends upon the repayment of individual income and individual capacity.
4. A Personal Loan does not require any guarantor or nominee for personal loan Cooch Behar approval.

How to apply for Personal Loan Cooch Behar?

1. Visit www.dialabank.com.
2. Go to the loan section and go on the personal loan link.
3. The applicant will be directed and presented to all personal loan details to choose their preferred city.
4. For more information and free guidance, you can call us on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Cooch Behar

Every Bank and NBFC charges a nominal fee for processing your Personal Loan Cooch Behar application. These charges are 1% of the sanctioned loan amount.

If you wish to foreclose your personal loan before the agreed loan tenure, every lending financial institution charges you a penal prepayment fee. In most cases, you cannot close your loan before a year or 12 months. Post that, the nominal charges vary depending on how many years the personal loan has been done. 

Personal Loan Cooch Behar EMI Calculator

Equated Monthly Installments, also known as EMI, are the monthly fixed or rigid charges you pay to the bank as monthly repayment for the loan amount borrowed on a personal loan, Cooch Behar.  Based on your profile, the interest rate on your personal loan Cooch Behar is determined. Your EMI has calculated the basis of the Interest Rate the bank charges you on a personal loan, the amount of loan you have to take, and the period you enjoy the loan. The Personal Loan EMI Calculator is as follows:

CIBIL Score required for Personal Loan Cooch Behar

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Cooch Behar. Most institutions require a minimum score of 750 to process your loan application to approve the personal loan, Cooch Behar.

The institutions don’t just look at the overall score and the detailed behaviour on the previous loans. This includes details on the type of loan taken and the amount borrowed from any financial institution. Any delayed payments for previous loans can act as an obstacle or barrier to your availing of a fresh loan.

Personal Loan in Cooch Behar Agent and Contact Number

Dialabank is the leading agent for availing of Personal Loan Cooch Behar. You can apply online simply at Dialabank or make a call at 9878981166

Dialabank helps you find the best option for Banks and NBFCs by providing a detailed market comparison of different personal loan banks to make the right choice about a personal loan Cooch Behar. Visit our website Dialabank and fill a simple form and submit it with your personal and employment details. Our customer relationship managers will soon get in touch with you for further steps.

Call 9878981166 and get instant help and approval for Personal Loan Cooch Behar.

Pre Calculated EMI Table for Personal Loan Cooch Behar

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 Cooch Behar

Cooch Behar or Koch Bihar is a city and a municipality in the Indian state of West Bengal state. It is the headquarters of the Cooch Behar district. It is in the foothills of the Eastern Himalayas at 26°22′N 89°29′E. Cooch Behar is the only and only planned city in the North Bengal region with remnants of royal heritage.

FAQs 

✅ Who can apply for a Personal Loan in Cooch Behar?

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 Cooch Behar.

✅ What is the tenure of a Personal Loan in Cooch Behar?

Most banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. Some Banks 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.

✅ Can my application for Personal Loan Cooch Behar get reject due to my CIBIL score?

Since a Personal Loan is an unsecured loan, one of the most important 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 skip any of your loan EMI payments or any credit card payments, as that will decrease your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.

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