Best Banks for Personal Loan in Gaya
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 in Gaya Features
The urgency of money can come across to any person. It could be an emergency like requiring pending medical bills, car repair, or much more. At this crucial stage, Personal loans will assist you in getting out of this crucial situation.
This loan is unsecured in nature and requires minimal documentation for approval. It can get approved within 48 hours once the verification process is complete. To get a Personal Loan in Gaya, the applicant must have a rigid and good source of income and a good credit history.
There is no end-use restriction on using the personal loan amount, so you can use this loan amount anywhere you want to do.
Personal Loan in Gaya Interest Rates
To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates
Bank
Processing Fee
HDFC Bank Personal Loan
0.25% to 1.50%
Axis Bank Personal Loan
0.50% to 1.50%
Nil
Private Bank Personal Loan
0.25% to 1.50%
SBI Personal Loan
500/- to 0.50%
Nil
Kotak Personal Loan
1% to 2%
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
Documents required for Personal Loan in Gaya
Salaried Customers:
- Identity proof (Aadhar card/driving license)
- Salary slips of last three months
- Bank statements for the last 6 months
- PAN Card
- Residence Proof (Owned/Rented/Company provided)
- Passport-sized photographs – 2
Self-Employed Customers:
- Financial statements in the form of P&L sheets, balance sheets, etc.
- PAN Card
- Aadhar Card
- Residence Proof
- Two passport-sized photographs
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan in Gaya Eligibility Criteria
The Personal Loan eligibility criteria are as follows:
Salaried Applicants
- The age of applicants should be between 21 and 60 years.
- A minimum of 3 years of experience.
- The applicants must have an excellent credit history.
- The job location of the applicant should be mentioned.
- A borrower should have a regular salary.
Self-Employed Applicants
- 2.5 lakh income to a minimum.
- No less than 25 years of age.
- ITR filing has been essential for the last three years.
- If the applicants are businessmen, then the business should be functioning and running for the past three years.
- The credit score of the individual applicants should be good, mostly preferred being 750+.
Why Apply for Personal Loan Gaya?
- No Securities: Bank won’t ask you to deposit any security.
- Interest Rates: low rate of interest on personal loans
- Tenure: can be extended as per requirements
- Quick Processing: The loans are processed in a matter of a few hours.
- Minimum Documentation: Basic documents to be deposited.
How to apply for a Personal Loan in Gaya?
Applying for an Instant Personal loan in Gaya in a hassle-free manner is easy through the online process.
- Visit Dialabank.
- Choose the personal loan option from the loans available.
- Fill in all the details of the personal loan and your valid contact number.
- You may also call on 9878981166 for any help.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fee / Prepayment Charges on Personal Loan in Gaya
Every Bank and NBFC charges a mandatory fixed processing fee and a fore-closure fee that is applicable only for some specific situation.
- For processing your Personal Loan application in Gaya, charges vary between 1% of the sanctioned loan amount.
- If you wish to foreclose your loan application in Gaya before the agreed loan tenure, every lending institution charges you a penal prepayment fee. The charges vary between 4-2% according to the tenure left of the mentioned loan.
Personal Loan EMI Calculator Gaya
Equated Monthly Installments, also known as EMI, is an applicant’s amount to pay every month. The interest rate on your loan is decided based on your income. Your EMI has calculated the basis of the Interest Rate the bank or NBFC charges you, the total amount of loan you have to take, and the period you enjoy the loan. Use the Personal loan EMI Calculator available on our website for calculating it yourself.
CIBIL Score required for Personal Loan Gaya
According to their specifications, every lending institution and bank has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Gaya. However, a CIBIL of 750 and above is always preferred to approve the loan amount.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Gaya Agents
Dialabank is undoubtedly the leading agent for availing Personal Loan in Gaya as:
- We are India’s first-ever financial helpline.
- We save you a lot of time.
- We provide you quick loan.
- We help you choose the best institution from all the options available in the market.
Personal Loan Gaya Contact Number
Call 9878981166 and get fast help and approval for a Personal Loan in Gaya from DialaBank.
Pre Calculated EMI Table for Personal Loan Gaya
About Gaya
Gaya is a city situated on the banks of the Phalgu river in the state of Bihar in India. It is the second-largest city of the state and is bounded by small rocky hills on three sides and the river flowing on the fourth side of the city. The name of the city comes from the ancient mythological demon Gayasur.
FAQs About Personal Loan Gaya
✅ Who can apply for a Personal Loan in Gaya?
Anyone who has an urgent need for cash and has a regular source of income (from employment or business) can apply for a Personal Loan in Gaya.
✅ What is the tenure of a Personal Loan in Gaya?
Most banks and NBFCs provide a Personal Loan in Gaya for a min period of 1 Yr and a Max period of 5 Years. However, the tenure may sometimes be extended up to 7 years.
✅ Are there any other charges involved in Personal Loan Gaya?
Yes, there are 2 types of main charges incurred that one needs to pay to avail a personal loan in Gaya:
Processing Fee: A small fee of 1% for the processing of loan applications and
Pre-closure Charges: a penalty imposed for closing down the loan before the tenure usually ranges 2-4%.
✅ Can my application for Personal Loan Gaya get rejected due to my CIBIL score?
Yes, the application may be rejected due to a low CIBIL score as CIBIL is the primary requirement to be fulfilled to get a loan in Gaya.
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