Personal Loan Lakhimpur

Major Personal Loan Providers in Lakhimpur

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	0.5% - 2% 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 Lakhimpur Features

You’re burning cash? You don’t need to concern. Personal Loan is very much accessible for you. Was not only loan unmonitored in nature, with the fewer documents needed and therefore less paperwork. It may take up to 48 hours for this loan to get authorized following the authentication system.

Personal Loan Lakhimpur is a loan that brings state aid to consumers at competitive and cost-effective borrowing costs. In order to get a Personal Loan, the banks are required to have a clear and stable amount of livelihood and also good credit records.

Furthermore, there is no such end-use constraint on the usage of the business loan amount. This loan sum can be used in any form you need.

In order to apply for a personal loan, Lakhimpur click on Personal Loan

Personal Loan Lakhimpur Interest Rates

Bank	Processing Fee	Prepayment Charges
HDFC Bank Personal Loan	0.25% to 1.50%	2%, Nil foreclosure charges after 3 months
Axis Bank Personal Loan	0.50% to 1.50%	Nil
Private Bank Personal Loan	0.25% to 1.50%	2%, Nil foreclosure charges after 9 months
SBI Personal Loan	500/- to 0.50%	Nil
Kotak Personal Loan	1% to 2%	2.25% of fore closure amount if closed 1 month ahead of the tenure.
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

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

Documents for Personal Loan Lakhimpur

Salaried Customers:

1.  ID proof (Aadhar card/driving license)
2. Two Passport-size photograph
3. Slips for salary for the past three months
4. Statement of Bank for the last 6 months
5. PAN Card
6. Proof of Residence (Own/Rent/Company provided)

*NOTE: In case of rented apartments, rent agreement is needed to be attached.

Self-Employed Customers:

1. All financial statements are needed (Balance Sheet, P&L Statement as well as ITR files)
2. PAN Card
3. Proof of residence
4. Two passport-sized photographs
5. Aadhar

Eligibility Criteria for Personal Loan Lakhimpur

Click here to know more about personal loan eligibility

Salaried Applicants

1. The minimum age of the applicant should not be less than 21 years or more than 60 years.
2. The borrower must have a minimum income of INR 25,000 p.m.
3. The applicant must have work experience of at least three years. The salary should have been transferred in their accounts only.
4. The applicant should have an excellent credit history.
5. The location of the applicant’s job should be stated.

Click here to know more about a personal loan for- Salaried Applicant

Self-Employed Applicants

1. The yearly income of the applicant should be a minimum of Rs 2.5 lakh.
2. The age of an independent person should be at least 25 years.
3. The applicant applying for the personal loan should have been filing ITR for the past three years.
4. If the applicant is a businessman, then the business is required to be efficiently running for the last 3 years.
5. The credit score of the applicant should be good and there must not be any debt or dues pending.
6. The whole document verification process of the personal loan requires the applicants to submit his financial and his bank statement of the previous three months.

Click here to know more about the personal loan for– Self-employed Applicant

Why Apply for Personal Loan Lakhimpur?

1. There is no requirement of depositing any mortgage or collateral as a security to the bank.
2. A Personal Loan does not need any nominee or guarantor.
3. A personal loan is a multidimensional loan, thus it can be put to use for all the issues related to money.
4. The amount of personal loans is solely based on the repayment capacity of the individual.

How to apply for Personal Loan Lakhimpur?

1. Visit this website: www.dialabank.com.
2. Then, navigate to the loan section and go to the personal loan link.
3. You will be directed to the detailed information of the personal loan where you can pick your city.
4. For further information and free guidance, feel free to call on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Lakhimpur

For the collection of a Personal mortgage loan, both banks and NBFCs charge a certain amount. This fee is 1% of the amount of the loan permitted.

Both mortgage companies can owe you a charge as a billing fee if you plan to foreclose your loan prior to the established loan tenure. For the most part, you are not authorized to close your loan for 12 months. After that, the payments vary based on how many years the loan has concluded. This aims to determine from 4% of the balance of the loan left in the 2nd year to 2% in the 4th year of the borrower.

Personal Loan Lakhimpur EMI Calculator

Equated Payment Installments or EMI is a fixed subscription fee that you are expected to pay to the institution for the loan sum lent as a current salary. The rate of inflation on your loan is based largely on your rating. The EMI on your loan is selected using personal loan EMI calculator on the basis of the bank fees you incur for the interest rate and the duration of the loan you have to give and the time over which you take the loan.

CIBIL Score required for Personal Loan Lakhimpur

For a basic CIBIL score that is impossible to transmit a Personal Loan application in Lakhimpur, all commercial banks have their own specifications. Often, in order to further approve a demand, entities require at least a score of at least 750.

No leader generally looks at the total performance. They also look into such a detailed view of past loans. The data include the form of loans and the amount of revenue that was collected. If there occurs a delay in the transactions of the previous loans, it can delay the certification of the present debt.

Personal Loan Lakhimpur Agents

Dialabank is one of the leading agents for availing Personal Loan in Lakhimpur. You can easily apply online at www.dialabank.com or give a call at 9878981166

Dialabank lets you choose the best choice for banks and NBFCs by enabling you with access to an extensive industry competitive study of various banks to assist you in finding the proper one. Contact our www.dialabank.com platform to fill out a quick form with job-specific relevant data. Our customer relationships representatives will be in contact with you subsequently.

Personal Loan Lakhimpur Contact Number

Call 9878981166 and get timely assistance and approval for a Personal Loan in Lakhimpur.

Pre Calculated EMI Table for Personal Loan Lakhimpur

Click here for personal loan EMI calculator

Rate	5 Yrs	4 Yrs	3 Yrs
10.50%	2149	2560	3250
11.00%	2174	2584	3273
11.50%	2199	2608	3297
12.00%	2224	2633	3321
12.50%	2249	2658	3345
13.00%	2275	2682	3369
13.50%	2300	2707	3393
14.00%	2326	2732	3417
14.50%	2352	2757	3442
15.00%	2378	2783	3466

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About Lakhimpur

Lakhimpur is a city and a municipal board in Lakhimpur Kheri district in the Indian state of Uttar Pradesh.In 2006 the Ministry of Panchayati Raj named Lakhimpur Kheri one of the country’s 250 most backward districts (out of a total of 640).It is one of the 34 districts in Uttar Pradesh currently receiving funds from the Backward Regions Grant Fund Programme (BRGF).

FAQs About Personal Loan Lakhimpur

✅ Who can apply for a Personal Loan in Lakhimpur?

A Personal Loan may be submitted for in Lakhimpur by people who may have an immediate need for income and have a daily stream of revenue (from jobs or business).

✅ What is the tenure of Personal Loan in Lakhimpur?

The commercial banks and NBFCs offer customized loans for a minimum of 1 year and a maximum of five years. There are some Bankers that increase the maximum duration to 7 Years too. The tenure is set and can not be prolonged. Under the decided tenure of the loan, the servicing needs to be considered in equivalent regular payments.

✅ Are there any other charges involved in Personal Loan Lakhimpur?

Yes, there are 2 types of charges that one needs to pay in order to avail a personal loan in Lakhimpur:

Processing fee: There is a fixed amount paid by the client on any bank or loan entity you borrow from. This is also the paid version. For each funding entity, the size of the service charge varies and is 1% of the loan amount.

Pre-closure Costs: If you try to close a working loan until its decided tenure term, the Banks and NBFCs charge an annual payment called pre-closure costs on the lent loan amount. Commercial countries have varying charges for or before-closure. The pre-closure costs vary greatly on how many periods has the loan finished before you plan to or before-close it.

✅ Can my application for Personal Loan Lakhimpur get rejected due to my CIBIL score?

As a line of credit is an investment property, the CIBIL Score was among the most complex decision factors for getting the personal loan proposal accepted. Having a better CIBIL score remains highly necessary if you plan to approve of a Personal Loan in the near. Help ensure you should not postpone any of your EMI loan payments or credit card transactions, as your Savings account would decrease. Many denials of personal loans arise caused by poor CIBIL rating.

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