Major Personal Loan Providers in Lalganj
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 Lalganj Features
Are you running short on cash? Do not worry. A Personal Loan is available for you. This loan is unsecured in nature with minimal documentation and less paperwork. This loan can get approved within 48 hours after the verification process.
Personal Loan Lalganj is an unsecured loan that provides financial aid to customers at affordable interest rates. To get a Personal Loan, the applicant needs to have a rigid and good income source and a good credit history.
Furthermore, there is no end-use restriction on the use of the personal loan amount. Therefore, you can use this loan amount anywhere you want to do.
Personal Loan Lalganj Interest Rates
To apply for a personal loan, Lalganj click on Personal Loan
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 Lalganj
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%
Eligibility Criteria for Personal Loan Lalganj
You can check your personal loan eligibility by clicking on the link.
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
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.
Why Apply for Personal Loan Lalganj?
- 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.
- A Personal Loan does not require any guarantor or nominee.
How to apply for Personal Loan Lalganj?
- 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 Lalganj
Every Bank and NBFC charges a fee for processing your Personal Loan application. The Personal Loan Lalganj processing fee is 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. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.
To know about the interest rate, click on the personal loan interest rate
Personal Loan Lalganj 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.
CIBIL Score required for Personal Loan Lalganj
Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Lalganj. 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 Lalganj Agents
Dialabank is the leading agent for availing Personal Loan in Lalganj. You can apply online at Dialabank or give a call at 9878981166
Dialabank helps you find the best option for Banks and NBFCs by providing you with a detailed market comparison of different banks to make the right choice. Visit our website Dialabank and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.
Personal Loan Lalganj Contact Number
Call 9878981166 and get instant help and approval for a Personal Loan in Lalganj.
Pre Calculated EMI Table for Personal Loan Lalganj
Click here for a personal loan EMI calculator.
About Lalganj
Lalganj is a town with Nagar panchayat in the Indian state of Uttar Pradesh. It is developing rapidly due to the Rail Coach Factory. Lalganj has the largest railway station in the Raebareli district. It is located on the way from Kanpur to Raebareli/Allahabad and Lucknow to Fatehpur. Lalganj is located between Unnao and Raebareli, and hence it’s also called Baiswara Lalganj.
As of the 2011 Indian census, Lalganj had a population of 23,124.
FAQs About Personal Loan Lalganj
Who can apply for a Personal Loan in Lalganj?
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 Lalganj.
What is the tenure of a Personal Loan in Lalganj?
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 Lalganj?
Yes, there are 2 types of charges that one needs to pay to avail a personal loan in Lalganj:
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. For example, the Personal Loan Lalganj processing fee is 1% of the sanctioned 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 Lalganj 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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