Personal Loan Krishnagiri

Best Banks for Personal Loan in Krishnagiri

Personal Loan in Krishnagiri Features

A personal loan can be used for plenty of purposes when you require money. The purpose of a loan can be anything from festivals, marriages, education, vacation, house renovation. You need a personal loan, Dialabank is here to help you with simplified processes. We offer you the chance to enjoy a genuinely digital journey of availing of loans for your personal needs at attractive/ lowest interest rates, a faster process, and with several advantages.

A personal loan is a loan that can fulfil the unique need for money in people’s lives. The personal loan can meet almost all of the individual needs, except for the needs of business and commercials. The banks and NBFCs offer these loans based on income and the securities provided to the banks.

Personal Loan in Krishnagiri Interest Rates and Charges

To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates

Personal Loan Krishnagiri Documents Required

Salaried Customers:

1. Address proof: Ration card/ Tel, Electricity Bill/Adhaar card/PAN card Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate./ or the rental agreement
2. Two coloured passport size photos:(Applicants should not wear any glasses)
3. Under KYC formality: every applicant has to submit his pan card, which is an essential document.
4. Income proof: Salary slip of last six months for an employed applicant
5. ID proof: Passport Copy/ Voters ID card/ Driving License/Adhaar card/PAN card.

*NOTE: In the case of rented apartments, a rent agreement needs to be attached.

Self-Employed Customers:

1. Address proof: Ration card/ Tel, Electricity Bill/Adhaar card/PAN card Rental bill/ Passport copy/Trade license /Shop & Est. License/Sales Tax certificate./ or the rental agreement
2. Two coloured passport size photos:(Applicants should not wear any glasses)
3. Under KYC formality: every applicant has to submit his pan card, which is an essential document.
4. Income proof: ITR of Last three years for self-employed
5. ID proof: Passport Copy/ Voters ID card/ Driving License/Adhaar card/PAN card.

Personal Loan in Krishnagiri Eligibility Criteria

The personal loan eligibility criteria for both Salaried and Self-Employed vary in the following ways:

Salaried Applicants

1. The age of borrower must lie between 21years and 60 years of age
2. The applicants must have three years’ work experience, and the salary should be received in their accounts only.
3. The applicants must have a decent credit history.
4. The job location of the applicant should be mentioned.
5. A good CIBIL Score and credit history is a must for approval of the personal loan.

Self-Employed Applicants

1. The minimum age should be 25 years.
2. The credit score of the individual applicants should be good. There should not be any debt or dues left.
3. Applicant’s business should be running for the past three years with continuous profit.
4. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
5. The applicants applying for the personal loan should file ITR for the last three years.
6. All the bank and financial statements of the previous three months to be submitted

Click here to know more about eligibility: Personal Loan Eligibility.

Why Apply for Personal Loan Krishnagiri?

1. The collaterals are not required for the grant of these loans.
2. A personal loan is a multi-purpose offer loan and can be utilised as per individuals requirements.
3. The amount of these loans is dependent on the applicant’s profile, his ability to repay.
4. A Personal Loan does not require any guarantor or nominee.

How to apply for Personal Loan Krishnagiri?

1. Visit www.dialabank.com.
2. On the main page, go to personal loan under the loan section.
3. The applicant will be directed to all personal loan details where they can fill in all the necessary information.
4. Our relationship managers will then revert to you for checking the eligibility and provide you with the relevant offers.
5. For more information, call us on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Krishnagiri

Processing of personal loan applications requires an amount known as processing fees that the bank charges to the applicant. These charges are 1% of the total sanctioned loan amount.

If you wish to foreclose your loan before the agreed loan tenure, every bank offering personal loan charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months.

Personal Loan Krishnagiri EMI Calculator

Equated Monthly Installments, also know as EMI, are easy instalments which the borrower needs to pay every month as a mode of repayment of the loan. Based on your profile, the rate of interest 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.

Get to know more about EMI Calculator: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Krishnagiri

CIBIL score is an important criterion for loan approval. Different lending institutions have different CIBIL Score requirements. Most lending establishments require a minimum score of 750 to approve your loan application.

The banks don’t just gander at the overall score but also the detailed behaviour on the loan history, including details on the type of loan taken and the amount borrowed. You need to repay all your loans on time to improve your credit score.

Personal Loan Krishnagiri Agent and Contact Number

Dialabank is the leading agent for availing Personal Loan in Krishnagiri. You can apply online at Dialabank or give a call at 9878981166

Call 9878981166 and get Instant Personal Loan in Krishnagiri.

Pre Calculated EMI Table for Personal Loan Krishnagiri

About Krishnagiri

Situated in Tamil Nadu, Krishnagiri is also known as the ‘Mango Capital of India’, as it is one of the largest producers of mangoes in India. Along with mangoes, numerous granite industries and quarries are also set up all across the city. A well-known hill temple can also be seen in the Krishnagiri district.

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