Personal Loan Digboi

Major Personal Loan Providers in Digboi

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 Digboi Features

Instant finances are difficult to get but with Dialabank you get the simple and easy Personal loans that help you meet your financial demands.

Personal Loan Digboi helps you get answers to all your finance related queries and helps you processing of the application.

Individual loans are approved within 48 hours of registration followed by amount approval endorsed by the applicant.

To avail of a Personal Loan, the applicant should possess the will to repay the amount in a stipulated period.

In addition to which the personal loans have no usage restrictions. The customers are free to invest the money as per their will.

To apply for a personal loan, Digboi click on Personal Loan

Personal Loan Digboi 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

Important Documents required for Personal Loan Digboi:

Salaried Customers:

1. Identity proof can be either an Aadhar card or driving license
2. Statements for the salary of the past three months of the applicant.
3. Bank statements for the last 6 months need to be attached
4. PAN card of the applicant is obligatory
5. Proof of address (Own/Rent/Company provided) can be any of these
6. Passport-size photograph – 2 are mandatory for the candidate

*NOTE: If one lives in rented apartments, rent agreement needs to be attached along with the mentioned documents.

Self-Employed Customers:

1. All financial statements are mandatory (Balance Sheet, P&L Statement as well as ITR files)
2. PAN Card of the borrower is a must
3. Aadhar card is used as identity proof
4. Residence Proof of the applicant is necessary
5. Passport-sized photographs- 2 is mandatory

Eligibility Criteria for Personal Loan Digboi

Click here to know more about personal loan eligibility

Salaried Applicants

1. The candidate should belong to an age group of at least 21 years and a maximum of 60 years.
2. The candidate must have employment experience of over 3 years and the compensation needs to have been moved in their records as it were.
3. The applicant should possess considerable credit history.
4. The job location of the applicant should be mentioned in the documents.
5. The borrower must not earn any less than of at least INR 25,000 p.m.

Click here to know more about a personal loan for- Salaried Applicant

Self-Employed Applicants

1. The candidate should belong to an age group of minimum of 25 years.
2. Submission of ITR files for the past three years. In case the applicant is a businessman, then the business is required to be good in operation from the last 3 years.
3. The credit score of the applicant should be clear and pending dues are mandatory.
4. The annual income of the applicant should not be any less than Rs 2.5 lakh.
5. The entire document verification process for the personal loan approval requires the applicants to submit their financial statements and their bank statement for the past three months of the firm.

Click here to know more about the personal loan for– Self-employed Applicant

Why Apply for Personal Loan Digboi?

1. There is no strict rule for the need of depositing any mortgage or collateral in the form of bank security.
2. A personal loan is a kind of flexible 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 potential of the applicant.
4. Personal Loans do not require any nominee or guarantor for bank security.

How to apply for Personal Loan Digboi?

1. Visit this website: www.dialabank.com.
2. Then, go to the loan section and go to the personal loan link. The link will direct you to the detailed information of a personal loan where you can pick your city. For more information and free guidance, please call 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Digboi

A Certain processing fee is charged by all banks and financial institutions for processing Personal Loan. The fee 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.

Generally, the applicant is not allowed to put a closure to the credit before the end of the year. Hereafter, the charges vary dependent on the number of years the advance has finished.

This charge varies 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 Digboi EMI Calculator

Equated Monthly Installments or EMI refers to a month to month fixed rate that you are expected to pay to the bank as a month to month repayment for the advance sum which is made sure about.

As it is apparent from your profile, the pace of enthusiasm on your credit is set. The EMI on your credit is determined relying on the Rate bank accuses you off and the advance sum you need to take and the period for which you take the advance.

CIBIL Score required for Personal Loan Digboi

All the lending institutions have pre-decided criteria for the CIBIL score that is needed to process a Personal Loan Digboi. Mostly, the institutions need a minimum score of at least 750 to further process an application.

Generally, financial institutions do not look into credit. They likewise take a gander at an explained perspective on the past credits. The subtleties incorporate the kind of advances and the measure of cash that was acquired. On the off chance that there exists any postponement in the installments of the past advances, it might thwart the endorsement of the current credit.

Personal Loan Digboi Agents

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

As soon as you make the phone call our team of assistance gets in touch with you instantly. 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 Dialabank and fill out a simple form with the details of personal and employment data.

Personal Loan Digboi Contact Number

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

Pre Calculated EMI Table for Personal Loan Digboi

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 Digboi

Digboi is a town in the Tinsukia district of Assam. Digboi is famous as the oil city of Assam. This town boasts of the first oil well in Asia. The first oil discovery at Digboi happened during the early 18th century. The world’s oldest operating oil refinery is also located at Digboi. The first refinery was operational here in 1901.

For visitors traveling by air, the nearest airport at Dibrugarh is 65 km away. The nearest railhead at Tinsukia is 34 km from the town.

FAQs About Personal Loan Digboi

Who can apply for a Personal Loan Digboi?

The Individual’s facing an urgent need for cash and has a regular source of income (from employment or business) can apply for a Personal Loan Digboi.

What is the tenure of Personal Loan in Digboi?

Most of the Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. However, there are few Banks in which the maximum period to 7 Years also. The tenure is not changeable one has to abide by the repayment tenure.

Are there any other charges involved in Personal Loan Digboi?

Yes, there are 2 kinds of charges that one needs to pay to avail a personal loan Digboi:

Processing Fee: Wherever you apply for the loan every financial institution charges a reasonable fee for the services they provide and help during loan processing. 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 from bank to bank.

Can my application for Personal Loan Digboi get rejected due to my CIBIL score?

Personal Loan, being an unsecured loan, the CIBIL Score is a significant criterion for loan approval. Having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan in the future.

The individual should not 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.