Best Banks for Personal Loan in Khambhalia
1% - 2.5% of the Loan Amt
Personal Loan in Khambhalia Features
Have you ever searched for your life? Did your soul reply to you, but you are still ignoring it because that purpose needs funding? Dialabank is there to help you out, and we suggest you take a Personal Loan which will give your life a little pinch of a miracle.
Personal Loan in Khambhalia Interest Rates and Charges
- The starting 10.75% rate of interest is granted on Personal Loan Mehsana.
- The interest rates on these loans can be changed based on the loan amounts, the time period, and the applicant’s profile.
- The fee for processing is between 0.2% to 2.00% of the loan amount.
- The rate of interest can be changed with the help of the followings
- A Good Cibil score should be to the applicant to get aLow Rate of interest.
- Nature of Employment – If the applicant is an employee of a reputed company or the government, he can get lower rates for these loans.
Get low-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
Personal Loan in Khambhalia Documents Required
Personal Loan Documents Required
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
*NOTE: In the case of rented apartments, a rent agreement needs to be attached.
Self-Employed Customers:
- All financials are required (Balance Sheet, P&L Statement as well as ITR files)
- PAN Card
- Aadhar Card
- Residence Proof
- Two passport-sized photographs
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Khambhalia Eligibility Criteria
The Personal Loan Eligibility Criteria for both Salaried and Self-Employed are different:
Salaried Applicants
- The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
- The applicants must have work experience of three years. And the salary should be received in their accounts only.
- The applicants must have an excellent credit history.
- The job location of the applicant should be mentioned.
- A borrower should have a minimum income of INR 25,000 per month
Click here to know more about- Salaried Applicant
Self-Employed Applicants
- The minimum age requirement for an independent person should be 25 years.
- The applicants applying for the personal loan should file ITR for the last three years.
- If the applicants are the businessman, then the business should be running from the past three years.
- The credit score of the individual applicants should be good .there should not be any debt or dues left.
- The annual income of the applicants should be a minimum of Rs 2.5 lakh.
- The whole documentation process of the personal loan is the applicants have to submit his financial and his bank statement of the previous three months.
Click here to know more – Self-employed Applicant
Why Apply for Personal Loan Khambhalia?
- There is no need to deposit any mortgage and collateral security to the bank.
- A personal loan is a multi-purpose offer loan. It can be used for all the problems related to finance.
- The amount of a personal loan depends upon the repayment of individual income and capacity.
- An Apply Personal Loan does not require any guarantor or nominee.
How to apply for Personal Loan Khambhalia?
- Visit dialabank.
- Go to the loan section and click on the personal loan link.
- The applicant will be directed to all personal loan details where they can choose their preferred city.
- For more information and free guidance, you may call on 9878981166.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fee / Prepayment Charges on Personal Loan Khambhalia
Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges are 1% of the sanctioned loan amount.
If you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. Post that, the charges vary depending on how many years the loan has been done.
Personal Loan Khambhalia EMI Calculator
Equated Monthly Installments, also known as EMI, are the monthly fixed charges you pay to the bank as monthly repayment for the loan amount borrowed. Based on your profile, the interest rate on your loan is determined. Your EMI is calculated basis the Interest Rate the bank charges you, the amount of loan you have to take, and the period you enjoy the loan.
EMI Calculator for Personal Loan
CIBIL Score required for Personal Loan Khambhalia
Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Khambhalia. However, most institutions require a minimum score of 750 to process your loan application.
The institutions look at the overall score and the detailed behaviour on the previous loans taken. This includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your availing of a fresh loan.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Khambhalia Agents
Dialabank is the leading agent for availing Personal Loan in Khambhalia. You can apply online at dialabank or give a call at 9878981166
Personal Loan Khambhalia Contact Number
For instant help and approval for a Personal Loan in Khambhalia, Call 9878981166.
Pre Calculated EMI Table for Personal Loan Khambhalia
About Khambhalia
Khambhalia is located in the Indian state of Gujarat. It is located in DEVbhoomi Dwaraka District.
FAQs
✅ Who can apply for a Personal Loan in Khambhalia?
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 Khambhalia.
✅ What is the tenure of a Personal Loan in Khambhalia?
Most banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. Some Banks 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 Khambhalia?
Yes, there are 2 types of charges that one needs to pay to avail of a personal loan in Khambhalia:
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 processing fee varies for each lending institution and is normally 1% of the loan amount.
Pre-closure Charges: Whenever you want to close a running loan before its agreed 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 Khambhalia get rejected due to my CIBIL score?
Since a Personal Loan is an unsecured loan, one of the most important 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 skip any of your loan EMI payments or any credit card payments, as that will decrease your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.
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