About Personal Loan Vrindavan
A personal loan is a fixed amount of money that is taken by people from the banks who need money. The purpose of taking a loan might be any medical emergency, education loan for their children, a family function, or any other personal need. Personal Loan includes only your basic information and quick disbursal is available within 1-2 days.
Well, now you do not have to worry about it because we at Dialabank can help you out. This type of loan is not only of an unsecured nature with very fewer documents needed with even lesser paperwork and also now you don’t need to borrow money from relatives, friends, or family, or to show that you are lacking funds when you can get approved loan in 48 hours with the following process of verifications.
Dialabank offers Personal Loans offer fast processing of your loan. Personal Loans can be used for plenty of purposes!
Personal Loans are sanctioned by various banks across the country and are available at reasonable interest rates.
Who can apply for Personal Loan Vrindavan?
A person who is an employee of any company or organization and a person, who is self-employed, can apply for a personal loan depending on various factors. We will find out below more about this under the eligibility criteria.
Eligibility Criteria for Personal Loan Vrindavan
For Salaried Applicants eligibility criteria:
1. Age: The applicant’s age must be 21 years or above.
2. Salary: The salary of the person living in metropolitan cities must be 18,000 or above and for people living in other urban towns or cities must be 15,000 or above.
3. Amount of loan: The amount that is sanctioned to an applicant depends on his net salary.
4. CIBIL Score: While giving credit to a customer, his CIBIL Score is kept at priority.
5. Location: Another important factor while considering eligibility criteria is the applicant’s location. The candidate will get a loan from the banks located near his current location only.
6. Company’s Profile: Company’s profile in which the customer is working also plays a vital role.
For Self-Employed Applicants:
1. Type of Company: Whether the company is on proprietorship based or owned by two or more than two people.
2. Company’s Profit: This includes the turn-over of the company.
3. Age of Company: In this, we check the lifespan of the company, which tells us about the origination of the company (how old the company is).
4. Finances: Company’s financials are considered at priority.
5. CIBIL Score: The history of the person’s bank profile is tracked with the help of CIBIL Score, so this is very important.
Rate of Interest on Personal Loan Vrindavan
The rate of interest depends on the person’s profile and also where he works. In the case of a self-employed person, his company’s lifespan is considered. ROI (Rate of Interest) varies from bank to bank.
Whenever there is a change in the Rate of Interest, then it is modified by every bank in the country. ROI may change at an interval of time but has no such significant changes.
Documents Required for Self-Employed Applicants:
1. All financials are considered
2. PAN Card
3. Adhar Card
4. Residence Proof
5. Two passports sized photographs
Documents Required for Salaried Applicants:
1. Last three months salary slips
2. Previous six months bank statements
3. PAN Card
4. Adhar Card
5. Residence Proof (Owned/Rented/Company’s Apartment)
6. Two passports sized photographs
*NOTE: In case of rented apartments, rent agreement is to be attached.
Why Personal Loan Vrindavan?
There are several reasons listed below that will help you clear your mind while going for an option of Personal Loan:
1. Within 24 hours disbursal happens in Personal Loan Vrindavan
2. There is no need for a guaranteer unlike other loan schemes
3. Hassle-free simple application steps are involved in Personal Loan Vrindavan
4. Only the applicant’s necessary personal documents are required
5. No need to give papers of any asset in Personal Loan Vrindavan
EMI on Personal Loan Vrindavan
It is the monthly amount that the customer has to pay after the disbursal of the loan. Now you can calculate your monthly EMI based on your loan amount and your net salary.
Know more about EMI Calculator
Processing Fee for Personal Loan Vrindavan
There is always some loan processing fee that every bank charges at the time of sanctioning of the loan. The amount varies from bank to bank. The minimum amount of processing fee is @ 1% that some banks offer to its customers.
*NOTE: The amount of loan is decided on the person’s net salary (for salaried applicants) and the turn-over of the company (in case of self-employed applicants)
How to apply for Personal Loan Vrindavan?
- Visit this website: www.dialabank.com.
- When, 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.
PERSONAL LOAN
Interest Rate 9.99%
Processing Fee / Prepayment Charges on Personal Loan Vrindavan
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 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 personal loan interest rate
Personal Loan Vrindavan EMI Calculator
Equated Monthly Installments or EMI implies a monthly fixed rate that you are needed to pay to the bank as monthly repayment for the loan amount which is secured. According to your profile, the rate of interest on your loan is set. The EMI on your loan is calculated depending upon the Rate the bank charges you with and the loan amount you have to take and the period for which you take the loan.
CIBIL Score required for Personal Loan Vrindavan
All the lending institutions have their criteria for a minimal CIBIL score that is needed to process a Personal Loan application in Vrindavan. Mostly, the institutions need a minimum score of at least 750 to further process an application.
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 previous loans, it may hinder the approval of the present loan.
PERSONAL LOAN
Interest Rate 9.99%
Personal Loan Vrindavan Agents
Dialabank is one of the leading agents for availing Personal Loan in Vrindavan. 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 Vrindavan Contact Number
Call 9878981166 and get timely assistance and approval for a Personal Loan in Vrindavan.
Pre Calculated EMI Table for Personal Loan Vrindavan
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 |
About Vrindavan
Vrindavan is a holy town in Uttar Pradesh, northern India. The Hindu deity Krishna is said to have spent his childhood here. It’s home to temples, many dedicated to Krishna and his lover, the deity Radha. At Banke Bihari Temple, the curtain in front of Krishna’s statue is opened and closed every few minutes. At Radha Raman Temple, a gold plate beside Krishna signifies Radha. Prem Mandir is a huge white marble temple.
FAQs About Personal Loan Vrindavan
✅Who can apply for a Personal Loan in Vrindavan?
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 Vrindavan.
✅What is the tenure of Personal Loan in Vrindavan?
Most of the Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. There are some Banks which 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 installments within the agreed tenure of the loan.
✅Are there any other charges involved in Personal Loan Vrindavan?
Yes, there are 2 types of charges that one needs to pay to avail a personal loan in Vrindavan:
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 amount of processing fee varies for each lending institution and is normally 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 charges. The pre-closure charges vary depending on how many years has your loan completed before you decide to pre-close it.
✅Can my application for Personal Loan Vrindavan 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 result in decreasing your CIBIL score. Most of the Personal Loan rejections occur because of a low CIBIL Score.
Personal Loan Interest Rates: Updated 2020
| 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
Other Personal Loan Cities in Uttar Pradesh
| Personal Loan Amethi | Personal Loan Aonla |
| Personal Loan Asafpur | Personal Loan Auraiya |
| Personal Loan Azamgarh | Personal Loan Babina |
| Personal Loan Babuganj | Personal Loan Baghpat |
