Personal Loan Sriganganagar

Major Personal Loan Providers in Sriganganagar

Personal Loan Sriganganagar Features

Are you looking for external financial help to meet your personal requirements? If yes, then you can avail a personal loan. It is a loan that can be used for different purposes like paying debts, going for a holiday, paying tuition fees and many more. Personal Loan provides a solution to all problems of financial needs and cash urgently.

This loan is unsecured in nature with minimal documentation and less paperwork. Loan can gets approved within 48 hours post the verification process. A personal loan will help you to overcome your financial crisis.

As the name suggests, a Personal Loan may be opted by an individual due to an urgent requirement of cash, for example, any medical issue, education purpose, or wedding or to fulfill any of your other personal needs. This is a life-saver option.

To get a Personal Loan, the applicant needs to have a rigid and good source of income and a good credit history. Furthermore, there is no end-use restriction on the use of the personal loan amount.

Personal Loan Sriganganagar Interest Rates

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

More About: Interest Rates on Personal Loan

Documents for Personal Loan Sriganganagar

The documents required for a personal loan varies from a salaried customer to a self-employed customer in the following manner:

Salaried Customers:

1. Identity proof (Aadhar card/driving license)
2. PAN Card
3. Residence Proof (Owned/Rented/Company provided)
4. Salary slips of last three months
5. Bank statements for the last 6 months
6. Passport-sized photographs – 2
7. 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
3. Aadhar Card
4. Residence Proof
5. Two passport-sized photographs

Eligibility Criteria for Personal Loan Sriganganagar

The eligibility criteria may vary between Salaried and Self-Employed. It is based on the bank which has to approve the request of the applicant regarding the credit. There are two categories of applicants:

1. Salaried
2. Self-employed

There are various eligibility criteria for both applicants:

Salaried Applicants

1. The minimum age requirements of individuals should be 21 years and a maximum of up to 60 years.
2. The applicants must have work experience of three years. The account should be a salary account.
3. The applicants must have an excellent credit history.
4. The job location of the applicant should be mentioned.

Self-Employed Applicants

1. The minimum age requirement for an independent person should be 25 years.
2. ITR for the last three years.
3. The whole documentation regarding the financial and bank statement of the previous three months.
4. If businessman, then the business should be running for the past three years.
5. The credit score of the individual applicants should be good .there should not be any debt or dues left.
6. The annual income of the applicants should be a minimum of Rs 2.5 lakh.

Why Apply for Personal Loan Sriganganagar?

1. No Securities: The securities for these loans are not required. These loans are based on the monthly or annual income of the applicants.
2. Interest Rates: These loans have a very competitive rate of interest. Some of the banks offer the cheapest of loans in this category.
3. Tenure: The time period of these loans can be extended to 5 years. There are some exceptions too.
4. Quick Processing: The loans are processed in no time after the verification of the documents.
5. Easy Installments: The number and amount of the instalments can be chosen by the applicant for this loan according to his affordability.
6. Minimum Documentation: The documents needed by the banks to avail of these loans are basic documents.
7. Credit Score: Some of the applicants apply for these loans just to improve their credit scores.

How to apply for Personal Loan Sriganganagar?

Applying for a personal loan is easy with DialaBank. Get instant personal loan on applying online with DialaBank. Just follow the steps below to enjoy a hassle-free experience:

1. Visit our website www.dialabank.com.
2. Go to the loan section and click on the personal loan link.
3. The applicant will be required to fill in all the details of themselves.
4. Click on Request a quote and our relationship manager will soon get in touch with you.
5. For more information and free guidance, you may call on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Sriganganagar

Every Bank and NBFC charges two kinds of fees for on Personal Loan application.

1. The processing fee charges are mandatory for every ban/NBFC. These charges vary between 1% to 2.5% of the sanctioned loan amount.
2. The other is pre-closure charges which are applicable in case you wish to foreclose your loan before the agreed loan tenure. In most cases, you cannot close your loan before 12 months. Post that the charges vary depending on how many years the loan has 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 Sriganganagar EMI Calculator

Equated Monthly Installments (EMI) is the monthly fixed amount that the customer or applicant has to pay to the bank as the loan amount. The applicant is the borrower in such cases and the bank is the lender. EMI varies according to your loan amount and tenure. You can find the Personal loan EMI calculator on DialaBank’s website.

Click here to know more about- EMI Calculator

CIBIL Score required for Personal Loan Sriganganagar

CIBIL Score is the history of your payments that you have done in the past. The CIR is the history of your credit score which checks your account’s history for different loans that you have taken (if any) and the credit card history (if you have).

1. Mostly a CIBIL score of 750 and above is considered good while applying for personal loan.
2. The better the CIBIL score the easier it becomes to avail the loan.

Personal Loan Sriganganagar Agents

Dialabank is associated with various banks and NBFCs in Sriganganagar that provide personal loans at low-interest rates. Thus, DialaBank is the leading agent for availing Personal Loan in Sriganganagar. Apply online at Dialabank or give a call at 9878981166.

1. We do not charge any extra fees from our customers.
2. We are always ready to help our applicants and are available 24/7.
3. The Loan gets disbursed within 24 hours.
4. Our experts will assist you, and our relationship managers will provide guidance.

Personal Loan Sriganganagar Contact Number

Call 9878981166 and get instant help and approval for Personal Loan in Sriganganagar.

Pre Calculated EMI Table for Personal Loan Sriganganagar

About Sriganganagar

Sri Ganganagar is a planned city and the northern-most city of the Indian state of Rajasthan, near the borders of Haryana and Punjab states and the international border of India and Pakistan. It is the administrative headquarters of Sri Ganganagar district.

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