Personal Loan Talwandi Bhai

Best Banks for Personal Loan in Talwandi Bhai

Personal Loan in Talwandi Bhai Features

Transform your dreams of a big wedding, world tour, buying your dream car, and much more into reality by availing Personal Loan through DialaBank.

These are a type of unsecured loan which do not need any of the applicant’s asset to be deposited as collateral security or mortgage. Most of the major banks offer personal loan considering the borrower has a stable source of income and good credit history.

Apply for a personal loan at affordable rates and less documentation.

Personal Loan in Talwandi Bhai Interest Rates and Charges 

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

Personal Loan in Talwandi Bhai Documents Required 

Salaried Customers:

1. Salary slips of last three months of the borrower
2. 2 recent passport size photographs (coloured)
3. Bank statements for the last 6 months of the applicant
4. PAN Card
5. ID Proof (Aadhar card/driving license)
6. Address Proof such as Water Bill/ Electricity Bill/ Passport copy, etc

*NOTE: In case of rented apartments, 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. Two passport-sized photographs
4. The government authorized ID Proof
5. Address Proof such as Water Bill/ Electricity Bill/ Passport copy, etc

Personal Loan in Talwandi Bhai Eligibility Criteria 

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

Salaried Applicants

1. Applicant’s age should be between 21 to 60 years of age
2. The applicants must have the work experience of the three years. And their salary should be received in their personal accounts only.
3. The applicants must have an excellent credit history.
4. The job location of the applicant should be mentioned.

Self-Employed Applicants

1. 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.
2. The minimum age requirement is 25 years.
3. The applicants applying for the personal loan should file ITR for the last three years.
4. The business should be running from the past three years in case the applicant is a businessman
5. The credit score of the individual applicants should be good without a bad history
6. The annual income of the applicants should be a minimum of Rs 2.5 lakh.

To know more about eligibility: Personal Loan Eligibility

Why Apply for Personal Loan Talwandi Bhai?

1. Mortgage and collateral security to the bank deposition not needed
2. A personal loan is a multi-purpose offer loan. It can be used as per requirement
3. The amount of personal loan depends upon the repayment of individual income and capacity.

How to apply for Personal Loan Talwandi Bhai?

1. Visit dialabank.
2. Select personal loan in the loan section and fill in the necessary details
3. Our executives will then assist you in further process
4. For more information and free guidance, you may call on 9878981166.

Processing Fee / Prepayment Charges on Personal Loan Talwandi Bhai

Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges are 1% of the sanctioned loan amount.

Every lending institution charges you a penal prepayment fee if you wish to close your loan before the agreed tenure but in most cases, you cannot close your loan before 12 months. After that, the amount varies depending on how many years the loan has done.

Personal Loan Talwandi Bhai 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 and consequently the EMI rate varies.

Get to know more about EMI Calculator: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Talwandi Bhai

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

The lending institutions not only 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 a fresh loan.

Personal Loan Talwandi Bhai Agents

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

Personal Loan Talwandi Bhai Contact Number

Call 9878981166 and get Instant Personal Loan in Talwandi Bhai.

Pre Calculated EMI Table for Personal Loan Talwandi Bhai

About Talwandi Bhai

Talwandi Bhai is a small town in Firozpur district, Punjab. It is famous for producing agricultural tools and is significant in the grain market.