Personal Loan Dhuri

Major Personal Loan Providers in Dhuri

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 Dhuri Features

Are running short of finances to fulfil your needs? Dialabank has the perfect solution for you.

• Keeping in note all your monetary requirements Dialabank provides you with an easy and accessible personal loan with easy repayment options. Individual loans are an unsecured loan that provides the applicant with the amount that they can acquire in 48 hours of proceeding.
• To avail of a Personal Loan, the candidate must possess a similarly be grounded and trustworthy wellspring of pay and furthermore a genuinely decent record as a consumer profile.
• Personal Loan Dhuri gives money related guide help to all clients at a moderate just as a financially savvy loan fee
• Also, there exists no stated end-use restriction on the use of the personal loan amount. This loan amount can be used in whatever way wanted.

In order to apply for a personal loan, Dhuri click on Personal Loan

Personal Loan Dhuri 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 Dhuri

Essential Documents required for availing Personal Loan in Dhuri:

Salaried Customers:

1. Identity proof can be (Aadhar card/driving license)
2. Statements for the salary of the past three months.
3. Bank statements for the last 6 months
4. PAN belonging to the applicant for verification
5. Proof for Residence (Own/Rent/Company provided) of the applicant
6. Passport-size photograph – 2 of the applicant

*NOTE: If one lives in rented apartments, a rent agreement is mandatory to be submitted.

Self-Employed Customers:

1. All financial statements are required (Balance Sheet, P&L Statement as well as ITR files)
2. PAN Card belonging to the loan candidate
3. Aadhar card of the applicant
4. Residence Proof
5. Passport-sized photographs- 2 of the applicant

Eligibility Criteria for Personal Loan Dhuri

Click here to know more about personal loan eligibility

Salaried Applicants:

1. The base age of the candidate should not be less than 21 years or over 60 years.
2. The candidate must have occupational experience, in any event, three years along with documented proof. The compensation ought to have been moved in their records as it were.
3. The applicant should have a good credit history.
4. The job location of the applicant should be present in the documents.
5. The borrower must have a minimum earning of at least INR 25,000 p.m.

Self-Employed Applicants:

1. The candidate applying for a personal loan should be at least 25 years.
2. The candidate must file the ITR of the firm. In case the applicant is a businessman, then the business is required to be running well for the last 3 years.
3. The applicant should not earn any less than Rs 2.5 lakh.
4. The credit score of the applicant should be good and there must not be any debt or any dues pending.
5. The entire document verification process for personal loan approval requires the applicants to submit their financial statements and their bank statement for the past three months.

Why Apply for Personal Loan Dhuri?

1. There is no hard and fast rule for the requirement of depositing any mortgage or collateral as a security to the bank.
2. A personal loan is a kind of loan, so it can be put to use for any kind of issue.
3. The amount of personal loans is entirely based on the repayment capacity of the applicant.
4. A Personal Loan does not require any nominee or guarantor.

How to apply for a Personal Loan Dhuri?

Visit this website. It will direct you to the detailed information of the personal loan where you can pick your city. For more information and free guidance, please call 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Dhuri

All Banks and NBFCs cost a certain fee to process a Personal Loan application. This cost varies between 1.5% to 2.5% of the sanctioned loan amount.

On the off chance that you wish to close your credit before the chose advance residency, all loaning establishments will charge you a punishment as a prepayment expense. Typically, you won’t be permitted to close your credit before the time of a year. Post that, the charges vary dependent on the number of years the advance has finished. This charge changes from 4% of the rest of the advance sum in the second year to 2% in the fourth year of the credit.

To know about the interest rate click on personal loan interest rate

Personal Loan Dhuri EMI Calculator

Equated Monthly Installments or EMI implies a monthly fixed rate that you are needed to pay to the bank as monthly repayment for the loan amount which is secured. According to your profile, the rate of interest on your loan is set. The EMI on your loan is calculated depending upon the Rate the bank charges you with and the loan amount you have to take and the period for which you take the loan.

CIBIL Score required for Personal Loan Dhuri

All the lending institutions have their own criteria for a minimal CIBIL score that is needed to process a Personal Loan application in Dhuri. Mostly, the institutions need a minimum score of at least 750 to further process an application.

No institution only looks at the overall score. They also look at an elaborated view of the previous loans. The details include the type of loans and the amount of money that was borrowed. If there exists any delay in the payments of the previous loans, it may hinder the approval of the present loan.

Personal Loan Dhuri Agents

Dialabank is one of the leading agents for availing of a Personal Loan in Dhuri. You can easily apply online or give us a call at 9878981166

Dialabank assists you to look for the best option of Banks and NBFCs by giving you access to an in-detail market comparative analysis of various banks to help you pick the right one. Visit our website www.dialabank.com and fill out a simple form with the details of personal and employment data. Our customer relationship managers will be in touch with you shortly.

Personal Loan Dhuri Contact Number

Call 9878981166 and get timely assistance and approval for a Personal Loan in Dhuri.

Pre Calculated EMI Table for Personal Loan Dhuri

Click here for a 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 Dhuri

Dhuri is a city in the Sangrur District in the state of Punjab, India. The neighbouring towns of Dhuri are Sangrur, Malerkotla, Nabha, and Barnala.

FAQs About Personal Loan Dhuri

Who can apply for a Personal Loan in Dhuri?

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 Dhuri.

What is the tenure of a Personal Loan in Dhuri?

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 Dhuri?

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

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 been completed before you decide to pre-close it.

Can my application for Personal Loan Dhuri 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. Most of the Personal Loan rejections occur because of a low CIBIL Score.

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