Major Personal Loan Providers in Kharagpur
1% - 2.5% of the Loan Amt
Personal Loan Kharagpur Features
Are you looking for external financial help to meet your personal requirements? If yes, then you can avail of a personal loan. It is a loan that can be used for different purposes like paying debts, going for a holiday, paying tuition fees and many more. Personal Loan provides a solution to all problems of financial needs and cash urgently.
This loan is unsecured in nature with minimal documentation and less paperwork. You can get your personal loan approved within 48 hours after the verification process is over. A personal loan will help you to overcome your financial crisis.
A Personal Loan can also be opted for by an individual due to an emergency cash requirement, such as any medical issue, education purpose, wedding, or to fulfil any of your other personal needs. This is a life-saver option.
To get a Personal Loan, the applicant needs to have a rigid and good source of income and a good credit history. Moreover, there is no end-use restriction on the personal loan amount utility. Therefore, one can use this amount wherever they want to.
Personal Loan Kharagpur 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 for Personal Loan Kharagpur
The documents required for a personal loan varies from a salaried purchaser to a self-hired patron in the following manner:
Salaried customers:
Salaried Customers:
- Identification proof (Aadhar card/Driving license)
- PAN Card
- Residence proof (Owned/Rented/enterprise furnished)
- Earnings slips of last three months
- Financial institution statements for the last 6 months
- Passport-sized pictures – 2
- In the case of rented apartments, the hire agreement needs to be connected.
Self-Employed Customers:
- All financials are required (stability Sheet, P&L declaration as well as ITR documents)
- PAN Card
- Aadhar Card
- Residence proof
- Two passport-sized snapshots
PERSONAL LOAN
Interest Rate 9.99%
Eligibility Criteria for Personal Loan Kharagpur
The personal loan eligibility for each Salaried and Self-employed are distinct. It is based at the bank, which has to approve the request of the applicant concerning the credit. There are categories of applicants:
- Salaried
- Self-employed
There are numerous eligibility criteria for both applicants:
Salaried Applicants
- Minimal age necessities of individuals should be 21 years and most up to 60 years.
- The applicants have to have the paintings enjoy for 3 years. Therefore, it needs to be an earnings account.
- The candidates must have a superb credit record.
- The activity location of the applicant should be cited.
Self-Employed Applicants
- The minimum age requirement for an unbiased individual should be 25 years.
- The applicants have to document ITR for the closing 3 years.
- The whole documentation manner of the personal loan is that the candidates have to publish his economic and bank announcement of the previous three months.
- If the applicants are the businessman, then the enterprise must be strolling from the beyond three years.
- The credit rating of the man or woman applicants should be accurate .there ought to not be any debt or dues left.
- The yearly earnings of the applicants must be at the very least Rs 2.5 lakh.
Why Apply for Personal Loan Kharagpur?
- No Securities: The securities for these loans aren’t required. Those loans are based totally on the month-to-month or annual profits of the candidates.
- Costs: those loans have a totally aggressive rate of interest. Some of the banks provide the most inexpensive of loans in this category.
- Tenure: The time period of those loans can be prolonged to five years. There are several exceptions too.
- Short Processing: The loans are processed in no time after the verification of the files.
- EasyInstallments: The range and quantity of the instalments may be chosen by using the applicant for this loan according to his affordability.
- Minimal Documentation: The documents wished with the aid of the banks to avail of these loans are primary documents.
- Credit rating: a number of the applicants apply for these loans to improve their credit scores.
How to apply for Personal Loan Kharagpur?
Applying for a personal loan is easy with DialaBank. Get an instant personal loan by applying online with DialaBank. Just follow the steps below to enjoy a hassle-free experience:
- Visit our website Dialabank
- Go to the loan section and click on the personal loan link.
- The applicant will be required to fill in all the details of themselves.
- Click on Request a quote, and our relationship manager will soon get in touch with you.
- For more information and free guidance, you may call on 9878981166.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fee / Prepayment Charges on Personal Loan Kharagpur
Every bank and NBFC prices types of rate for on private mortgage utility.
- The processing charge charges are obligatory for each ban/NBFC. The Personal Loan Kharagpur processing fee is 1% of the sanctioned mortgage quantity.
- The alternative is pre-closure charges that are relevant if you desire to foreclose your mortgage before the agreed loan tenure. In most cases, you can not be near your loan before one year. Publish that the fees range depending on how many years the mortgage has been executed. These costs range from 4% of the excellent loan amount in the 2nd year to two% inside the 4th year of the loan.
Personal Loan Kharagpur EMI Calculator
Equated Monthly Installments, also know as EMI, is the monthly fixed amount that the customer or applicant has to pay to the bank as the loan amount. The applicant is the borrower in such cases, and the bank is the lender. EMI varies according to your loan amount and tenure. You can find the Personal loan EMI calculator on DialaBank’s website.
CIBIL Score required for Personal Loan Kharagpur
CIBIL Score is the history of the payments that you have made in the past. The CIR (Credit Information Report) is the history of your credit score, which checks your account’s history for different loans that you have taken (if any) and the credit card history (if you have).
- Mostly a CIBIL score of 750 and above is considered good while applying for a personal loan.
- The better the CIBIL score, the easier it becomes to avail of the loan.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Kharagpur Agents
Dialabank is associated with various banks and NBFCs in Kharagpur that provide personal loans at low interest rates. Thus, DialaBank is the leading agent for availing Personal Loan in Kharagpur. Do visit us and apply online at Dialabank or give a call at 9878981166.
- We do not charge any extra fees from our customers.
- We are always ready to help our applicants and are available 24/7.
- The approval process is time-saving if you apply through DialaBank.
- The Loan gets disbursed within 24 hours.
- Our experts will assist you, and our relationship managers will provide guidance.
Personal Loan Kharagpur Contact Number
Reach us at 9878981166 and get instant help and approval for a Personal Loan in Kharagpur.
Pre Calculated EMI Table for Personal Loan Kharagpur
About Kharagpur
Kharagpur, the industrial city in the Paschim Medinipur district of West Bengal, India, houses the famous Indian Institute of Technology (IIT). This was the first of its kind institute and was founded in May 1950. Kharagpur is also the headquarters of the Kharagpur subdivision. The city is one of the most populated, cosmopolitan and multicultural cities of the district. It has the third-longest railway station in the world and the longest in India. Kharagpur railway station is one of the largest railway workshops in India.
Other Cities For Personal Loan
| Personal Loan Suri | Personal Loan Purulia |
| Personal Loan Sainthia | Personal Loan Pandua |
| Personal Loan Raniganj | Personal Loan Nadia |
| Personal Loan Ranaghat | Personal Loan Midnapore |
FAQs About Personal Loan Kharagpur
✅ Who can apply for a personal loan from Kharagpur?
People in urgent need of cash and have a regular source of income (from business or employment) can apply for a Personal Loan in Kharagpur.
✅ Can my application for a personal loan 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 with your CIBIL Score, having a High CIBIL score becomes very 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 may result in decreasing your CIBIL score. The majority of the Personal Loan rejections happen due to a low CIBIL Score.
✅ What is the tenure of a personal loan?
Most banks and NBFCs provide a Personal Loan for a minimum period of 1 Yr and a maximum period of 5 Years. Some Banks extend the maximum period to 7 Years also. The tenure is fixed and cannot be extended. The repayment needs to be done in equal monthly instalments within the agreed loan tenure.
