Personal Loan Mirzapur

Best Banks for Personal Loan in Mirzapur

Personal Loan in Mirzapur Features

A personal loan is a loan that can be used in multiple ways that can be utilized for fulfilling many purposes. These purposes could be debt repayment, taxes, paying medical bills, and more. Personal finance is instant finance, which a person can avail of within 2-3 working days with minimal documentation required.

Personal Loan in Mirzapur Interest Rates and Charges

10.75% is the minimum rate of interest. Personal Loan interest rates may vary from person to person as it depends upon the salary and CIBIL score of the applicant.

Get low-interest rates

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

Personal Loan in Mirzapur Documents Required

Salaried Customers:

1. Identity proof (Aadhar card/driving license)
2. Salary slips of last three months
3. Bank statements for the last six months
4. PAN Card
5. Residence Proof (Owned/Rented/Company provided)
6. Passport-sized photographs – 2

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

Self-Employed Customers:

1. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
2. PAN Card or Aadhar or Residence proof.
3. Two passport-sized photographs

Personal Loan in Mirzapur Eligibility Criteria

The eligibility criteria for personal loans for both Salaried and Self-Employed are different:

Salaried Applicants

1. The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
2. The applicants must have work experience of three years. And the salary should be received in their accounts only.
3. The applicants must have an excellent credit history.
4. The job location of the applicant should be mentioned.
5.  A borrower should have a minimum income of INR 25,000 per month.

Click here to know more about- Salaried Applicant.

Self-Employed Applicants

1. The minimum age requirement for an independent person should be 25 years.
2. The applicants applying for the personal loan should file ITR for the last three years.
3. If the applicants are the businessman, then the business should be running from the past three years.
4. The credit score of the individual applicants should be good .there should not be any debt or dues left.
5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
6. 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 Mirzapur?

1. There is no need to deposit any mortgage and collateral security to the bank.
2. A personal loan is a multi-purpose offer loan. It can be used for all the problems related to finance.
3. The amount of personal loans depends upon the repayment of individual income and capacity.
4. A Personal Loan does not require any guarantor or nominee.

How to apply for Personal Loan Mirzapur?

1. Visit Dialabank
2. Go to the loan section and click on the personal loan link.
3. The applicant will be directed to all details of the personal loan where they can choose their preferred city.
4. For more information and free guidance, you may call on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Mirzapur

Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges vary between 1.5% to 2.5% of the sanctioned loan amount.

In case 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.

Personal Loan Mirzapur EMI Calculator

Equated Monthly Installments also know as EMI are the monthly fixed charges that 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 you are charged by the bank and the amount of loan you have to take and the period for which you enjoy the loan.

Online Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Mirzapur

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Mirzapur. Most institutions require a minimum score of 750 to process your loan application.

The institutions don’t just look at the overall score but also 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 Mirzapur Agent and Contact Number

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

Dialabank helps you to find the best option for Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice. Visit our website and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.

Get instant help and approval for a Personal Loan in Mirzapur Call 9878981166

Pre Calculated EMI Table for Personal Loan Mirzapur

About Mirzapur

Mirzapur is a city in Uttar Pradesh, India. It is known for its carpets and brassware industries. The Banks and NBFCs are also willing to process personal loans in Mirzapur as more as possible. Visit our website or call 9878981166 and get assistance as soon as possible.

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