Personal Loan Diphu

Major Personal Loan Providers in Diphu

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 Diphu Features

Do you know you can use a personal loan in partly paying big expenses for example a car or a bike etc.

If we talk about a Personal Loan Diphu – It is a sum of money which is offered by the banks and the NBFCs with very affordable EMIs and low rates of interest, helping you to solve any financial trouble you are facing.

A personal loan is an unsecured loan that is offered to anybody who is either salaried or is self-employed and is with less documentation and paperwork. With the proper paperwork and verification processes, you can get your loan approved within 48 hours.

Personal Loan Diphu provides financial assistance to all customers at cost-effective interest rates. To get a Personal Loan, the applicant is required to have a comparatively stronger and reliable source of income and also fairly good credit history.

A personal loan has no end-use restrictions. Meaning you can use the loan the way you like. For example, paying bills, funding a vacation, a wedding, etc.

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

Personal Loan Diphu 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 Diphu

Salaried Customers:

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

*NOTE: If one lives in rented apartments, rent agreement needs to be attached.

Self-Employed Customers:

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

Eligibility Criteria for Personal Loan Diphu

Click here to know more about personal loan eligibility

Salaried Applicants

1. The base age of the candidate ought not to be under 21 years or over 60 years.
2. The candidate must have a working understanding of in any event three years. The compensation ought to have been moved in their records as it were.
3. The applicant should have an outstanding credit history.
4. The job location of the applicant should be mentioned.
5. The borrower must have a minimum income 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 age of an independent person applying should be at least 25 years.
2. The applicant applying for a personal loan should have been filing ITR for the past three years. In case the applicant is a businessman, then the business is required to be running well from the last 3 years.
3. The credit score of the applicant should be good and there must not be any debt or any dues pending.
4. The yearly income of the applicant should be no less than Rs 2.5 lakh.
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.

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

Why Apply for Personal Loan Diphu?

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

How to apply for Personal Loan Diphu?

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

Processing Fee / Prepayment Charges on Personal Loan Nedumangad

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

If you wish to close your loan before the decided loan period, all lending and financial institutions will be charging you a penalty as a prepayment fee. Usually, you will not be allowed to close your loan before a period of 12 months. Post that, the charges differ based on the number of years the loan has completed. This charge varies from 4% of the remaining loan amount in the second year to 2% in the fourth year of the loan.

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

Personal Loan Diphu EMI Calculator

Equated Monthly Installments or EMI is a monthly fixed rate that you are required 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 Diphu

All the lending institutions have their own criteria for a minimal CIBIL score that is needed to process a Personal Loan application in Diphu. 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 enlarged view of the previous loans. The details include the type of loans and the amount of money that was borrowed. If thereid any delay in the payments of the previous loans, it may cause problems in the approval of the present loan.

Personal Loan Diphu Agents

Dialabank is one of the leading agents for availing Personal Loan in Diphu.

You can apply online at Dialabank.

Dialabank works as a bridge to find the best option between several Banks and NBFCs by providing you with a detailed and structured market comparison of different banks. This eliminates the unnecessary worries about the complex information and process you have to go through. So, you can make the right choice. Visit our website Dialabank to fill a simple form for more details and our customer relationship managers will soon get in touch with you.

Personal Loan Diphu Contact Number 

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

Pre Calculated EMI Table for Personal Loan Diphu

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 Diphu

Diphu is the headquarter of Karbi Anglong district in the state of Assam in India. This small town is a popular tourist hill station for people of nearby cities.

FAQs About Personal Loan Diphu

✅Who can apply for a Personal Loan in Diphu?

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 Diphu.

✅What is the tenure of Personal Loan in Diphu?

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 installments within the agreed tenure of the loan.

✅Are there any other charges involved in Personal Loan Diphu?

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

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 completed before you decide to pre-close it.

✅Can my application for Personal Loan Diphu 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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