Personal Loan Sawantwadi

Major Personal Loan Providers in Sawantwadi

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 Sawantwadi Features

Do you need funds for your personal use? But don’t know how to arrange the funds? Don’t worry! In this case, going for a personal loan can always be a better option. A personal loan is funds provided by banks to all the customers at affordable interest rates.

Almost all central banks provide personal loans to all customers at cost-effective interest rates. To get Personal Loan, the applicant must have a more robust and dependable source of income and a reasonably good credit history profile.

With the proper documentation process, your loan can get approved within 48 hours. Also, there are no end-use restrictions on the use of loan amount; applicants can use the amount in whatever way they want.

To apply for a personal loan, Sawantwadi click on Personal Loan

Personal Loan Sawantwadi 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 Sawantwadi

Salaried Customers:

1. Identity proof (Aadhar card/driving license)
2. Statements for the salary of the past three months.
3. Bank statements for the last 6 months
4. PAN
5. Proof for Residence (Own/Rent/Company provided)
6. Passport-size photograph – 2

*NOTE: If one lives in rented apartments, a rent agreement needs to be attached.

Self-Employed Customers:

7. All financial statements are required (Balance Sheet, P&L Statement as well as ITR files)
8. PAN Card
9. Aadhar
10. Residence Proof
11. Passport-sized photographs- 2

Eligibility Criteria for Personal Loan Sawantwadi

Click here to know more about personal loan eligibility

Salaried Applicants

1. The base age of the candidate ought not to be under 21 years or over 60 years.
2. The candidate must have a working understanding of, in any event, three years. The compensation ought to have been moved in their records, as it were.
3. The applicant should have an excellent credit history.
4. The job location of the applicant should be mentioned.
5. The borrower must have a minimum income of at least INR 25,000 p.m.

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

Self-Employed Applicants

1. The age of an independent person applying should be at least 25 years.
2. The applicant applying for a personal loan should have been filing ITR for the past three years. If the applicant is a businessman, the business must have been running well for the last 3 years.
3. The applicant’s credit score should be good, and there must not be any debt or any dues pending.
4. The yearly income of the applicant should be no less than Rs 2.5 lakh.
5. The entire document verification process for the personal loan approval requires the applicants to submit their financial statements and bank statements for the past three months.

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

Why Apply for Personal Loan Sawantwadi?

1. There is no hard and fast rule for the requirement of depositing any mortgage or collateral as a security to the bank.
2. A personal loan is a kind of multidimensional loan so that it can be used for any issue.
3. The amount of personal loans is entirely based on the repayment capacity of the applicant.
4. A Personal Loan does not require any nominee or guarantor.

How to apply for Personal Loan Sawantwadi?

1. Visit this website: dialabank.com.
2. \hen, go to the loan section and go to the personal loan link. It will direct you to the detailed information of the personal loan where you can pick your city. For more information and free guidance, please call 9878981166.

Processing Fee/Prepayment Charges on Personal Loan Sawantwadi

All Banks and NBFCs cost a certain fee to process a Personal Loan application. This cost varies between 1.5% to 2.5% of the sanctioned loan amount.

If you wish to close your loan before the decided loan tenure, all lending institutions will be charging you a penalty as a prepayment fee. Usually, you will not be allowed to close your loan before a period of 12 months. Post that, the charges differ based on the number of years the loan has been completed. This charge varies from 4% of the remaining loan amount in the second year to 2% in the fourth year of the loan.

To know about the interest rate, click on the personal loan interest rate

Personal Loan Sawantwadi EMI Calculator

Equated Monthly Installments or EMI implies a monthly fixed rate that you need to pay to the bank as monthly repayment for the loan amount secured. According to your profile, the rate of interest on your loan is set. The EMI calculator for a personal loan depends upon the Rate the bank charges you, the loan amount you have to take, and the period you accept the loan.

CIBIL Score required for Personal Loan Sawantwadi

All the lending institutions have their criteria for a minimal CIBIL score needed to process a Personal Loan application in Sawantwadi. Mostly, the institutions require a minimum score of at least 750 to process an application further.

No institution only looks at the overall score. They also look at an elaborated view of the previous loans. The details include the type of loans and the amount of money that was borrowed. If there exists any delay in the payments of the earlier loans, it may hinder the approval of the present loan.

Personal Loan Sawantwadi Agents

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

Dialabank assists you to look for the best option of Banks and NBFCs by giving you access to an in-detail market comparative analysis of various banks to help you pick the right one. Visit our website www.dialabank.com and fill out a simple form with the details of personal and employment data. Our customer relationship managers will be in touch with you shortly.

Personal Loan Sawantwadi Contact Number

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

Pre Calculated EMI Table for Personal Loan Sawantwadi

Click here for a 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 Sawantwadi

Sawantwadi is a taluka in the Sindhudurg district in the Indian state of Maharashtra. The taluka headquarters is Sawantwadi which has a municipal council, which is a local civic body. Sawantwadi was formerly the capital of the Kingdom of Sawantwadi, ruled by the Sawant Bhonsle royal clan of the Marathas.

FAQs About Personal Loan Sawantwadi

✅ Who can apply for a Personal Loan in Sawantwadi?

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 Sawantwadi.

✅ What is the tenure of a Personal Loan in Sawantwadi?

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 term of the loan.

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

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

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. The processing fee varies for each lending institution and is generally between 1% and 2.5% of the loan amount.

Pre-closure Charges: If you want to close a running loan before its decided 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 directions. The pre-closure costs vary depending on how many years has your loan been completed before you decide to pre-close it.

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

Personal Loan, being an unsecured loan, one of the most significant decision criteria for getting your 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 leave or delay any of your loan EMI payments or any credit card payments, as that will decrease your CIBIL score. Most of the Personal Loan rejections occur because of a low CIBIL Score.

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