Best Banks for Personal Loan For Arunachal Pradesh Government Employees
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
Preclosure Charges
2%, Nil foreclosure charges after 12 months
2%, Nil foreclosure charges after 24 months
Nil
Overdraft Facility
No
No
Yes
Personal Loan For Arunachal Pradesh Government Employees Features
Government Employees can avail of a Personal Loan. Many banks and NBFCs provide personal loans instantly for the Arunachal Pradesh govt. Employees. If you want to get a low-interest rate for a Personal Loan, then apply with Dialabank.
- Loan disbursed quickly
- The variation in loan tenure from 12 to 60 months
- You can get the maximum loan amount is up to Rs. 20 lakh.
- Government Employee can get Personal Loan with Rs, 15,000 Minimum Monthly Salary.
- Arunachal Government Employees who work in Central & State Government, PSUs, Railways, and Defense can avail of the personal loans at a reasonable interest rate.
- The CIBIL score required for Personal Loan For Arunachal Pradesh Government Employees is above 750.
Benefits of Personal Loan for Arunachal Pradesh Government Employees
- Quick Loan Approval: You can avail of the loan approval faster cause you are a government employee. If your eligibility resembles the lender, then your personal loan application will be welcomed quickly.
- Fastest Disbursal: If your loan gets approved in a short duration, then the loan amount will be disbursed quickly in your bank account.
- Easy Repayments: Easy repayments or refunds with flexible loan tenure possibilities for applying for the personal loan for Arunachal Pradesh government employees. Just refund the amount with the lowest EMIs.
- Minimal Documents: There are minimum documents required for a personal loan. A consumer needs to present a few documents.
- Maximum Loan Amount: The maximum loan amount that you can take is up to Rs.20 lakh, which means all your financial requirements can easily be fulfilled without any trouble.
- Online Process: Talking about an online procedure, it is a hassle-free process, wherein just a few steps an individual can apply and get the loan amount. The procedure is easy and convenient.
Purposes of Personal Loan Government Employees
- To meet expenditures for a Wedding or any other function.
- To finance the education expenditures of self or family.
- For the reconstruction or refurbishing of your house.
- For utilization in Emergencies & medical expenditures.
- Personal Loan finances can be utilized to go on a family vacation.
Types of Government Employees Personal Loan in Arunachal Pradesh
Public sector Undertakings (PSUs) or CPSEs
Employees are offered high loan amounts with the prime in class personal loan interest rate. In addition, the Department of Public Enterprises issues guidelines for a recommendation in category I & II based on their financial performance, net worth, revenue & profit as MAHARATNA /NAVRATNA/MINI RATNA.
Public Sector Banks
The government of India holds on to the utmost posts in the Public Sector Banks, (i.e. more than 50%). Hence these encompass the Government category for sourcing of Personal Loans.
Personal Loan for Army and Defence Personnel
The Defence forces of the country encompass the Indian Armed Forces, which are the military forces of the country.
Prominent Banks offers special rates & discounts on processing fees to the Defence & Army Personnel. Also, there is flexibility in the tenure that differs from 12 months to 60 months.
Indian Railways
In the special government category, the Gazetted Staff of the Indian Railway is included for Personal Loans.
Personal Loan for Pensioners
Pensioners can avail of a personal loan which is retired employees of the Central government, State government & Defence services. Thus, after performing duties in the government services for an entire lifetime, Employees are guaranteed a secure & sheltered livelihood on retirement.
The pension must get in their regular stipend banks to pensioners to meet their financial requirements for medical expenditures, a child’s wedding, or other personal use. The loan tenure for pensioners is up to 5 years after the retirement date. Thus, the maximum age for getting a personal loan of the pensioners is 76 years.
Eligibility Criteria for Army/Defence Personnel
| Job Experience | 1-year minimum |
| Occupation | Personnel of paramilitary forces like BSF, ITBP, CRPF, Coastal Guards, CISF, Assam/J&k Rifles |
| Security | Charge over benefits acquired out of the loan |
Personal Loan For Arunachal Pradesh Government Employees Eligibility Criteria
- Profession: For government employees, the process is simple and smooth. Employees working in any public sector unit (PSU), central and state government departments, and government schools and colleges can avail a personal loan.
- Age Criteria: The least age of the government employee must be at least 21 years, and the maximum age is 60 years at loan maturity.
- Loan Tenure: There is flexibility in the repayment or refund of the loan amount. The alterations in the loan tenure go from 12 months to 60 months.
- Processing Fees: The processing fees charged for a personal loan for Arunachal Pradesh government employees is 1% of the loan amount.
- CIBIL score requirement: There is a requirement of the CIBIL score for a personal loan that must be 750 and above.
- Job Tenure: The job tenure of the individual is considered by banks before offering a personal loan to government employees in Arunachal Pradesh. For government employees working for at least one year, there will not be any trouble in getting a loan. However, the individual who has just joined the government service may have to check out with the bank.
Documents Required for Personal Loan For Arunachal Pradesh Government Employees
For Salaried Class Individuals
- Anyone Photo Identification Proof: Passport, Voter’s ID, PAN Card, Driving License, or Aadhar Card
- Anyone Residence Proof: Passport, Aadhar Card, Utility Bill, Ration Card, or Driving License
- Residence Ownership Proof(Anyone): Electricity Bill, Property Documents, or Mainatainence Bill
- Income Proof: Salary Slips of last three months with Form 16 and the bank statements for the previous 6 months
- At least one Proof of Job Continuity: Employment certificate of current employer, Experience Certificate, or Employment letter from the current employer
- Investment Proof(if any): Fixed assets, fixed deposits, shares, etc.
- Passport size colour photograph: 1
For Pensioners
- Identity/Age Proof (Anyone): Ration Card, PAN Card, Voter ID Card, Passport, Driving License, School Leaving Certificate, or Birth Certificate
- Address Proof (Anyone): Aadhar Card, Passport, Ration Card, Utility Bills, or Driving License
- Income Proof (Anyone): Bank passbook, bank statements of the last 6 months, Form 16, Income Tax Returns, or Copy of Pension Payment order
- Recent passport-sized photographs
Personal Loan for Arunachal Pradesh Government Employees EMI, Interest Rate, and Total Repayment Amount
| Interest Rate | 9.99% |
| Processing fees | 1% of the loan amount |
| Prepayment charges |
4% of the loan amount in 2nd yr; 2% of the loan amount in the 4th year |
| Repayment options | Up to 5 years |
| Maximum loan amount | Rs.20 Lakh |
| Loan approval time | 10 Minutes |
How to Apply for Personal Loan For Arunachal Pradesh Government Employees
To apply for a Personal Loan instantly, Applicants do not need to visit the bank’s branch as applicants can apply for it online at DialaBank.com within minutes.
- Visit the website Dialabank.
- Go to the loan section and press the personal loan link.
- The applicant will fill in all details like name, location, etc., to pick their favourable location.
- For more information and free guidance regarding a personal loan for government employees, you may call 9878981166.
Processing Fees / Prepayment Charges for Personal Loan for Arunachal Pradesh Government Employees
Most of the foundations and banks charge two types of payments from their consumers. First, every Bank and NBFC charges a fee for processing your Personal Loan application For Arunachal Pradesh Government Employees. The processing fee for getting a personal loan for government employees in Arunachal Pradesh is 1% of the loan amount.
Every lending organisation charges you a penal prepayment fee if you wish to shut your loan before the fixed loan tenure. In most cases, you may not be able to close your loan before 12 months. After that, the charges will decide on how many years the loan has been done. Prepayment charges differ from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.
Personal Loan For Arunachal Pradesh Government Employees EMI Calculator
Equated Monthly Installments, also called EMI, are the monthly fixed payments that you have to pay to the bank as a monthly refund for the loan amount you have borrowed. Based on your profile, the rate of interest on your personal loan is decided. Therefore, your EMI can be calculated based on the Interest Rate charged by the bank and the loan amount you have to take, and the duration for which you enjoy the loan.
For the calculation of your EMI: Personal Loan EMI Calculator
CIBIL Score Required for Personal Loan For Arunachal Pradesh Government Employees
Every lending institution has its own norms for the minimum CIBIL score required for processing a Personal Loan For Arunachal Pradesh Government Employees application. However, most organizations require a minimum score of 750 to process your Personal loan for the Arunachal Pradesh Government Employees application.
Apart from the CIBIL score, the institutions check the overall score and the detailed behaviour on the recent loans you have taken. This comprises details on the loan type that you have taken and the loan amount borrowed. Any late payments for previous loans can act as an obstacle to getting a new loan.
Personal Loan For Arunachal Pradesh Government Employees Pre-Calculated EMI Table
Personal Loan For Government Employees Agent in Arunachal Pradesh
Dialabank is the leading and most trustworthy agent for getting the Personal Loan For Government Employees Arunachal Pradesh. It helps in offering you the best offers as per your preference.
You can apply online at www.dialabank.com or may contact me at 9878981166.
Personal Loan For Arunachal Pradesh Government Employees Contact Number
Call 9878981166 and get instant help and approval for a Personal Loan for Government Employees in Arunachal Pradesh.
FAQs for Personal Loan For Arunachal Pradesh Government Employees
✅ Who can apply for a personal loan for an Arunachal Pradesh government employee?
Employees working in any public sector unit (PSU), central and state government departments, and government schools and colleges can get a personal loan for Arunachal Pradesh government employees.
✅ What is the interest rate for a personal loan for Arunachal Pradesh government employees?
The interest rate for getting a personal loan for Arunachal Pradesh government employees is 9.99% per annum.
✅ What is the loan tenure for getting a personal loan for Arunachal Pradesh government employees?
The loan tenure ranges from 12 months to 60 months for getting a personal loan for Arunachal Pradesh government employees.
✅ What is the age requirement for the availing of a personal loan for Arunachal Pradesh government employees?
The minimum age required is 21 years, and the maximum age is 60 years to avail a personal loan for Arunachal Pradesh government employees.
✅ What is the maximum age limit for pensioners applying for a personal loan for Arunachal Pradesh government employees?
The maximum age limit for pensioners is 76 years who want to apply for a personal loan for Arunachal Pradesh government employees.
✅ What is the processing fee charged for a personal loan for Arunachal Pradesh government employees?
The processing fee for a personal loan for Arunachal Pradesh government employees is 1% of the loan amount.
✅ What will be the loan tenure available for a personal loan for Arunachal Pradesh government employees?
The loan tenure available for a personal loan for Arunachal Pardesh government employees will vary from 12 months to 60 months.
✅ What is the minimum income requirement for Arunachal Pradesh government employees for the availing of a personal loan?
Arunachal Pradesh government employees must have a minimum income of Rs. 15,000 per month for availing of a personal loan.
✅ For what purpose of being an Arunachal Pradesh government employee I can get a personal loan?
You can get a personal loan in Arunachal Pradesh to pay for the education expenses of self or family, for use in Emergencies & medical expenses, to renovate or refurbish your home, to meet expenditures for expenditures a Wedding or any other Family function.
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