Pragathi Krishna Gramin Bank Personal Loan

Pragathi Krishna Gramin Bank Personal Loan Key Features

Eligibility Criteria	Details
Age	21 – 58 (at loan maturity)
CIBIL Score	Minimum 750 or above
Pragathi Krishna Gramin Bank Personal Loan Interest Rate	9.99% per annum
Tenure	1 to 7yrs
Pragathi Krishna Gramin Bank Personal Loan Processing Fee	1%-2%

Pragathi Krishna Gramin Bank Personal Loan Eligibility Criteria

The personal loan eligibility criteria for a personal loan are as follows:

CIBIL score Criteria	750 and Above
Age Criteria	21-58 years
Min Income Criteria	Rs 18000/month
Occupation Criteria	Salaried/Self-employed

Pragathi Krishna Gramin Bank Personal Loan Interest Rate, Fees & Other Charges

Pragathi Krishna Gramin Bank Personal Loan provides an interest rate is 9.99%.

Pragathi Krishna Gramin Bank Personal Loan Documents Required

Documents Required for Salaried Applicants:

• Last three months salary slips
• Six months of old bank statements are taken into consideration.
• Filled and signed a personal loan application form.
• As identity proof, anyone is required: Aadhaar Card, Driving Licence, Voter ID Card, ID Card of the Company
• Any Residence Proof: Bank Account Statement, Latest Electricity Bill, Latest mobile bill, Latest Credit Card Statement, Existing House Lease Agreement.
• Two passport-sized photographs
• Income Proof: Salary Certificate and Form No. 16.

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

Documents Required for Self-Employed Applicants:

Personal Loan EMI Calculator for Pragathi Krishna Gramin Bank

For the calculations of EMI, click on this link EMI Calculator.

Pragathi Krishna Gramin Bank Personal Loan Comparison with Other Banks

Bank	Interest Rate	Tenure	Loan Amount & Proc Fee
Pragati Krishna Gramin Bank	9.99%	12 to 84 months	Up to Rs. 10 lakh / –
HDFC Bank	11.25% to 21.50%	12 to 60 months	Up to Rs. 40 lakh / Up to 2.50% of the loan amount
Bajaj Finserv	Starting from 12.99%	12 to 60 months	Up to Rs. 25 lakh / Up to 3.99% of the loan amount
Axis Bank	15.75% to 24%	12 to 60 months	Rs. 50,000 to Rs. 15 lakh / Up to 2% of the loan amount
Citibank	Starting from 10.99%	12 to 60 months	Up to Rs. 30 lakh / Up to 3% of the loan amount
Private Bank	11.50% to 19.25%	12 to 60 months	Up to Rs. 20 lakh / Up to 2.25% of the loan amount

How to apply for Pragathi Krishna Gramin Bank Personal Loan?

Apply Online

• Visit our bank website.
• Fill in your general information.
• Go through the eligibility criteria before applying for the personal loan.

How to Calculate EMIs for Pragathi Krishna Gramin Bank Personal Loan

EMI calculation is easy and straight in just a few steps –

1. Loan amount
2. The interest rate of your loan
3. Loan tenure

Enter the value of the above-mentioned points in the calculator:

EMI calculator

Pragathi Krishna Gramin Bank Personal Loan Processing Time

Pragathi Krishna Gramin Bank usually takes 2 weeks or 15 days when it comes to the Processing of Personal Loan Applications. However, Pragathi Krishna Gramin Bank approves the loan in 1-2 days to its pre-approved already existing account holders.

Pragathi Krishna Gramin Bank Personal Loan Preclosure Charges

Pragathi Krishna Gramin Bank gives you the option of pre-closing your Personal Loan after a period of a minimum of 12 months of taking the loan and paying 12 successful EMIs on your Personal Loan. However, Pragathi Krishna Gramin Bank charges a Prepayment or Pre-closure charge, if you wish to do so we have listed the charges below:

Time	Pre-closure Charge
13 to 24 months	NIL
25 to 36 months	NIL
more than 36 months	NIL

Pre Calculated EMI for Pragathi Krishna Gramin Bank Personal Loan

Loan Amount @ Rate of Interest	Tenure Of Loan
	1 year	2 years	3 years	4 years	5 years
2.5 lakh @ 11.25%	NIL	NIL	NIL	NIL	NIL
5 lakh @ 12%	NIL	NIL	NIL	NIL	NIL
10 lakh @ 12.5%	NIL	NIL	NIL	NIL	NIL
15 lakh @ 13%	NIL	NIL	NIL	NIL	NIL

Different Offers for Pragathi Krishna Gramin Bank Personal Loan

Pragathi Krishna Gramin  Bank has a wide range of Personal Loan offers to start from Personal loans for Salaried Individuals and Personal loans to Self Employed Individuals ranging from Personal Loans for Doctors, Marriage Personal Loan, Personal Loan for Pensioners, etc. All of these are given below along with the details and features.

Pragathi Krishna Gramin Bank Personal Loan for Salaried Employees

• Rate of Interest: Attractive and competitive
• Loan tenure: 12 to 60 months.
• Loan Amount: Depends on the company that you are working with.

Pragathi Krishna Gramin Bank Personal Loan for Self Employed Individuals

• Pragathi Krishna Gramin Bank provides personal loans to self-employed applicants.
• More documents are needed as compared to the salaried applicants.
• This bank tries to fulfil your need by providing you with funds.

Pragathi Krishna Gramin Bank Education Loan

• Pragathi Krishna Gramin Bank provides Education loans who studies in India and Abroad.
• This bank provides loan amount for studies in India: Rs. 10 lac
• The loan amount for studies Abroad: Rs. 20 lac

Pragathi Krishna Gramin Bank Home Loan

• Pragathi Krishna Gramin Bank offers personal loans for making and repairing homes.
• The applicant can be an Indian or NRI.
• Earning more than the minimum required income.
• A salaried or self-employed with regular income is imperative.

Pragathi Krishna Gramin Bank Personal Loan for Government Employees

Pragathi Krishna Gramin Bank ensures Personal Loans for government employees at lower interest rates which generally starts around 10.75%. Government employees even get the benefit of choosing the loan tenure and many additional offers are provided. The processing fee is not charged from the Defence Personnel.

For more such exciting offers apply by visiting the closest Pragathi Krishna Gramin Bank Loan Branch now or Ring us at 9878981166.

Pragathi Krishna Gramin Bank Personal Loan Balance Transfer

Personal Loan Balance Transfer means you shift your personal loan from one lending institution to another. In this, your new bank pays off your previous loan and gives you the loan. You get many benefits if you do this but you may have to pay the foreclosure charges associated with that loan along with the Processing fee on your new loan. Some of the benefits are listed below –

1. The rate of Interest is lower
2. Based on your CIBIL score, Avail exciting offers such as no processing fee, etc.
3. Repayment tenure can be extended

Pragathi Krishna Gramin Bank Personal Loan Top Up

The additional amount borrowed from the bank with correlation to your existing role is considered a top-up. Avail of this exciting facility only if you have paid the last 9 EMIs without any sort of fail.

Types of Pragathi Krishna Gramin Bank Personal Loan

Home renovation loan

Pragathi Krishna Gramin Bank provides individuals who plan to renovate their homes with a home improvement loan. This personal loan can fund critical repairs or allow the borrower to purchase new furniture, fixtures, and furniture for the house. Four of the Pragathi Krishna Gramin Bank Home Renovation Loan’s major features are:

• The Home Renovation Loan of Pragathi Krishna Gramin Bank’s interest rate starts at as low as 11.25%.
• Individuals will be liable to renew their homes with a loan of up to Rs. 20 Lakh.
• Pragathi Krishna Gramin Bank’s home improvement loan needs minimum paperwork to free up the whole credit process.
• Usually, within 72 hours after the bank accepts the applications, the loan balance will be credited to the account.

Holiday loan

The holiday loan from Pragathi Krishna Gramin Bank will help you budget for your dream vacation with limited difficulties. Several holiday-related expenses will be funded by this personal loan from Pragathi Krishna Gramin Bank, including the booking of flight fares, hotel accommodation, guided tours, etc. The Pragathi Krishna Gramin Bank Holiday Loan’s key features are:

• Interest rates on holiday loans starting at 11.25 percent p.a.
• You should use up to Rs 20 Lakh easily so that a financial crunch would not spoil your perfect vacation
• Simplified and limited paperwork means fast and easy funding for your holiday.
• Quick processing of the loan directly credited to your account and disbursement

Fresher funding

Most unsecured personal loans are meant for individuals with a daily income, while the Fresher Funding of Pragathi Krishna Gramin Bank is distinct. The loan option provided by Pragathi Krishna Gramin Bank is intended to help refreshers, i.e. recent graduates searching for their first job. Few of Pragathi Krishna Gramin Bank Fresher Personal Loan Funding’s main features are as follows:

• Up to Rs 1.5 lakh loan
• A candidate must be 21 years of age or older.
• The interest rate for Fresher Funding depends on the applicant’s profile, credit history/score, applicant’s age, and place.

NRI Personal Loan

Knowing the wishes and desires of NRIs, Pragathi Krishna Gramin Bank provides NRIs directly with a personal loan. An Indian resident must be the main loan borrower, and a close relative must be the NRI co-applicant. The Personal Loan includes the following features for NRIs:

• Pragathi Krishna Gramin Bank offers NRIs with adjustable end-use personal loans of up to Rs. 10 lakh.
• NRI Personal Loan interest rates launch at 15.49 percent p.a.
• Up to 36 months is the term of the loan

How to Apply Online for Pragathi Krishna Gramin Bank Personal Loan?

You can apply for Pragathi Krishna Gramin Bank Personal Loan online by visiting the Pragathi Krishna Gramin Banks online portal and filling the form for applying for a personal loan or you can simply follow the given steps for applying for Pragathi Krishna Gramin Bank’s Personal Loan:

• Visit Dialabank. 
• Fill the Application form and submit it.
• One of our Relationship Managers will be in contact with you super soon.
• Get personalized service for availing Personal Loan by comparing the features of various banks and selecting the one which is most suitable according to your needs. 

Pragathi Krishna Gramin Bank Personal Loan Status

You can check the status of your Pragathi Krishna Gramin Bank Personal Loan by the following methods:

• Visit the loan branch, meet the banker, and request for the same.
• Access to Pragathi Krishna Gramin Bank Netbanking Portal and login to it. Following this click on the top ribbon and select loans. Click “enquire” and check the status of your loan.
• Browse and search on google with the keyword “personal loan status”, follow with the Pragathi Krishna Gramin Bank Loan status tracker and provide the requested details on the webpage to know the loan status.

The Personal Loan Verification Process

Following the online submission of your loan application to Dialabank, the following are the principal stages of the personal loan authentication process. 

Stage 1. Dialabank will forward to your chosen lender your loan application, and you will usually get a call from the representative of the lender within 48 hours. 

Stage 2. The possible lender can arrange for your KYC documents, salaries, etc. to be collected or provide an opportunity to upload them online. To confirm your submission, these documents will be used. 

Stage 3. You will get another call to confirm the loan bid and seek your permission for disbursement if the lender’s verification has been fulfilled and your loan has been approved. 

Stage 4. The loan is normally disbursed within 48 hours of the loan’s acceptance and adequate verification. 

Note: The timeframe for verification/disbursement of personal loans, as stated above, can vary based on the internal criteria of the lender, as well as other parameters.

Check your Pragathi Krishna Gramin Bank Personal Loan Application Status

The process for checking your application’s status requires the following steps:

• Visit the official website of Pragathi Krishna Gramin Bank, click on ‘Products’, and select ‘Personal Loans.’
• Click ‘More and choose’ Review Loan Application Status.’ on the next tab that opens below.
• Firstly, by submitting details such as your contact number, date of birth, and either entering the OTP you get on your mobile number or using your application number, you can check your application status.

How to login into the Pragathi Krishna Gramin Bank portal

• Visit the Official Website of Pragathi Krishna Gramin Bank.
• In the upper right corner of the screen, press the ‘Login’ button.
• Using your user ID and password or your registered cell phone number to log in.

How to Check Your Loan Statement

By taking the following steps, customers can download the bank’s loan statement:

• Visit the official website of the bank.
• Tap ‘Get in touch’ and click ‘Requests for help’ from the drop-down column.
• On the next page that opens, pick ‘Personal Loan Related’ under the ‘Loans’ menu.
• Next, press the ‘Loan Account Statement Order’ button.
• To make use of the bank’s loan statement, log in using your user ID and password or using your registered cell phone number and OTP.

Pragathi Krishna Gramin Bank Personal Loan Restructuring (COVID-19)

Many borrowers have been adversely affected by the national lockout due to the COVID-19 pandemic, and a six-month moratorium on various term loans has been declared to some degree to minimize its impact. Pragathi Krishna Gramin Bank announced an RBI-mandated one-time gain from the Pragathi Krishna Gramin Bank loan restructuring after the six-month moratorium was terminated. This mechanism aims at providing continued relief to borrowers who are still unable to repay their daily EMI due to the ongoing financial distress of the pandemic.

To minimize the monthly EMI payments, the loan settlement scheme implemented by Pragathi Krishna Gramin Bank provides for an extended moratorium of up to 2 years or an extension of the current period of maturity. It is necessary to bear in mind, of course, that the restructuring of the loan by Bajaj Finance employees would result in additional interest rates exceeding those applicable to the initial loan. Using this relief method only as a last resort is also necessary so that the unpaid loan does not end up defaulting.

Pragathi Krishna Gramin Bank Customer Care

Customers can approach Pragathi Krishna Gramin Bank’s Customer Support via any of the following means:

By phone: You can call Pragathi Krishna Gramin Bank on 8392236444 (toll-free) 

Callback order: You can also make a return call by accessing the bank’s website. 

Online Chatbot: You can even have an apple Chatbot online to answer your questions. 

Visit Branch: To obtain your requests, visit the nearest Pragathi Krishna Gramin Bank branch.

Benefits of Applying for Personal Loan on Dialabank

On the Dialabank website, there are many drawbacks to applying for a personal loan. Below, some of these are given: 

• 24 x 7 Accessibility: You can reach the Dialabank website anywhere, wherever and even apply at any time for a personal loan from the comfort of your home or office. 
• Multiple lenders on a single platform: Dialabank helps you to view personal loan offers on a single platform from multiple prospective lenders, avoiding the need to visit multiple bank websites or branches. 
• Know EMI instantly: On the Dialabank website, use the personal loan EMI calculator, and you can check the EMIs that you are going to pay for on a personal loan right before applying for one. It can allow you to borrow the amount you need, which you will repay easily and have a stable payment schedule. 
• Free of charge: In addition, when applying for a personal loan on Dialabank, you are not required to incur any fees.

Important Aspects

Below are some important items you need to note when applying to Pragathi Krishna Gramin Bank for a personal loan:

• It is still a smart thing to review your credit report before applying for a personal loan. A decent credit score increases the chances of accepting the loan and will make it possible for you to use a personal loan in more desirable conditions.
• It is advisable to compare the expense of a personal loan (interest rates and all associated fees and charges) issued by various lenders on Dialabank.com before finalizing a particular lender.
• As per your wishes and ability to repay, borrow. Avoid borrowing only because you have the right to borrow a bigger amount. It will just add to the interest rate and will have no long-term advantages.
• Avoid applying for individual loans concurrently with many lenders. It reveals that you are credit-hungry and therefore increases the amount of demanding credit report requests that can negatively impact your credit score.

FAQs About Pragathi Krishna Gramin Bank Personal Loan

✅ How to apply for Pragathi Krishna Gramin Bank Personal Loan?

Visit the nearest available Pragathi Krishna Gramin Bank branch for applying for a Personal Loan or easily through Dialabank. Get the benefit of quick online approval with Dialabank.

✅ What is the Interest Rate for Pragathi Krishna Gramin Bank Personal Loan?

Pragathi Krishna Gramin Bank’s interest rate is 9.99% for their personal loan products.

✅ What is the minimum age for getting a Personal Loan from Pragathi Krishna Gramin Bank?

You should be 21 years old to apply for a personal loan with Pragathi Krishna Gramin Bank.

✅ What is the maximum age for getting a Personal Loan from Pragathi Krishna Gramin Bank?

The maximum age for availing of a personal loan from Pragathi Krishna Gramin Bank is 58 years.

✅ What is the minimum loan amount for Pragathi Krishna Gramin Bank Personal Loan?

The minimum loan amount for getting a personal loan from Pragathi Krishna Gramin Bank has no limit.

✅ What is the maximum loan amount for Pragathi Krishna Gramin Bank Personal Loan?

Pragathi Krishna Gramin Bank allows you to take a maximum loan amount of Rs. 10 lakhs under the personal loan scheme.

✅ What are the documents required for Pragathi Krishna Gramin Bank Personal Loan?

The documents required for a personal loan from Pragathi Krishna Gramin Bank are the Aadhaar card/Voter ID, PAN card, salary slips, ITR files of the last two years, and two recently clicked photographs.

✅ What is the Processing Fee for Pragathi Krishna Gramin Bank Personal Loan?

Pragathi Krishna Gramin Bank has a 1%-2% processing fee. The processing fee is decided by the bank from time to time.

✅ How to get Pragathi Krishna Gramin Bank Personal Loan for Self Employed?

Pragathi Krishna Gramin Bank presents special offers for self-employed borrowers to help them meet their financial needs. You will have to provide the ITR files of the last three years as your income proof.

✅ What is the Maximum Loan Tenure for Pragathi Krishna Gramin Bank Personal Loan?

The maximum tenure duration for a personal loan from Pragathi Krishna Gramin Bank is 84 months.

✅ What should be the CIBIL Score for Pragathi Krishna Gramin Bank Personal Loan?

You should have a CIBIL score of at least 750 or above for availing of a personal loan from Pragathi Krishna Gramin Bank.

✅ Do I have a preapproved offer for Pragathi Krishna Gramin Bank Personal Loan?

You can check out your preapproved personal loan offers from Pragathi Krishna Gramin Bank through Dialabank. Just fill the form, and we will check all the offers for you and get back to you to help you choose the best one.

✅ How to calculate EMI for Pragathi Krishna Gramin Bank Personal Loan?

You can use the EMI calculator available at Dialabank’s website to calculate your personal loan EMIs from Pragathi Krishna Gramin Bank.

✅ How to pay Pragathi Krishna Gramin Bank Personal Loan EMI?

Your personal loan EMIs from Pragathi Krishna Gramin Bank automatically takes from your bank account monthly. You can also use the net banking service of Pragathi Krishna Gramin Bank to pay for your personal loan.

✅ How to close Pragathi Krishna Gramin Bank Personal Loan?

Make sure you have paid all the outstanding personal loan amounts and then collect your no dues certificate from the Pragathi Krishna Gramin Bank branch.

✅ How to check Pragathi Krishna Gramin Bank Personal Loan Status?

You will need the visit the Pragathi Krishna Gramin Bank branch to check the status of your personal loan. Alternatively, you can visit Dialabank and fill a simple form to let us do the hard work for you.

✅ How to close Pragathi Krishna Gramin Bank Personal Loan Online?

Closing of personal loan from Pragathi Krishna Gramin Bank by following the given steps:

• Visit the net-banking page of Pragathi Krishna Gramin Bank.
• Login using your details.
• Pay for your personal loan and save the transaction receipt.

✅ How to pay Pragathi Krishna Gramin Bank Personal Loan EMI Online?

Your personal loan EMI of Pragathi Krishna Gramin Bank can be paid using the net-banking facility. Dialabank lets you compare offers and deals from different banks to choose the best, low-EMI personal loan. All you have to do is fill a simple form, and we will do the rest for you.

✅ How to check Personal Loan Balance in Pragathi Krishna Gramin Bank?

To check the personal loan balance in Pragathi Krishna Gramin Bank, you will need to contact the customer care number of Pragathi Krishna Gramin Bank. If you want to get a low-interest personal loan, you can visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the hard work for you.

✅ How to download Pragathi Krishna Gramin Bank Personal Loan Statement?

The personal loan statement of Pragathi Krishna Gramin Bank can be downloaded using the Pragathi Krishna Gramin Bank’s mobile banking app. You can visit the online platform of Dialabank and fill a simple form to compare and know about all the offers that we have for you.

✅ How to Top Up Personal Loan in Pragathi Krishna Gramin Bank?

If you require a top-up on your personal loan from Pragathi Krishna Gramin Bank, you will have to visit the bank branch and contact the loan officer. You can also fill a simple form with Dialabank at Personal Loan Top Up and leave the rest to us.

✅ What happens if I don’t pay my Pragathi Krishna Gramin Bank Personal Loan EMIs?

Pragathi Krishna Gramin Bank charges you with penal interest if you don’t pay your personal loan EMIs. You can apply for a balance transfer using Dialabank to get low-interest personal loans.

✅ How to find the Pragathi Krishna Gramin Bank Personal Loan account number?

You will need to contact your Pragathi Krishna Gramin Bank loan branch to know your personal loan account number. You may also fill out the form available at Dialabank and let us do all the work for you.

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