Sarva Haryana Gramin Bank Personal Loan Key Features
| Eligibility Criteria | Details |
| Age | 21 – 60 Years |
| CIBIL Score | 750 or above |
| Sarva Haryana Gramin Bank Personal Loan Interest Rate | 9.99% per annum |
| Lowest EMI per lakh | N/A |
| Tenure | 12 to 60 months |
| Sarva Haryana Gramin Bank Personal Loan Processing Fee | 1%-2% |
| Prepayment Charges | NIL |
| Part Payment Charges | NIL |
| Minimum Loan Amount | No Limit |
| Maximum Loan Amount | Rs. 20 lac |
Sarva Haryana Gramin Bank Personal Loan Eligibility Criteria
Eligibility criteria for a personal loan:
| CIBIL score Criteria | 750 or above |
| Age Criteria | 21 to 60 years |
| Min Income Criteria | N/A |
| Occupation Criteria | Salaried/Self-Employed |
Sarva Haryana Gramin Bank Personal Loan Interest Rate and Charges
Lowest Interest Rate on Personal Loan
| Sarva Haryana Gramin Bank Personal Loan Interest Rate | 9.99% per annum |
| Sarva Haryana Gramin Bank Personal Loan Processing Charges | 1%-2% |
| Prepayment Charges | NIL |
| Stamp Duty | As per state law |
| Cheque Bounce Charges | NIL |
| Penal Interest | As per bank terms |
| Floating Rate of Interest | Not Applicable |
Sarva Haryana Gramin Bank Personal Loan Documents Required
| Form | Duly filled application form |
| Proof of Identity | Copy of: > Passport > Driving License > Aadhar Card > Voter ID Card |
| Proof of Address | Rent Agreement (Min. 1 year of stay) Utility Bills Passport (Proof of permanent residence) Ration card |
| Proof of Income | > ITR: Last two Assessment years > Salary Slip: Last 6 months > Bank Statement: Last 3 months |
Sarva Haryana Gramin Bank Personal Loan EMI Calculator
Sarva Haryana Gramin Bank Personal Loan Compared to Other Banks
| Bank | Interest Rate | Tenure | Loan Amount & Proc Fee |
| Sarva Haryana Gramin Bank | 9.99% | 12 to 60 months | Up to Rs. 20 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 | Upto Rs. 20 lakh / Up to 2.25% of the loan amount |
Why should you apply for Sarva Haryana Gramin Bank Personal Loan with Dialabank?
- Dialabank provide you compared offers between different banks
- Best financial agent in the country
- Our team is always ready to guide you
How to Calculate EMIs for Sarva Haryana Gramin Bank Personal Loan?
You can calculate your EMIs using our EMI calculator.
- Amount of the Loan
- Interest Rate of the loan and
- Tenure of the Loan
Sarva Haryana Gramin Bank Personal Loan Processing Time
Sarva Haryana Gramin Bank’s Personal Loan processing Time: 48 to 72 Hours
Sarva Haryana Gramin Bank Personal Loan Preclosure Charges
You can apply for Preclosure anytime if your fund is ready. For charges, you can visit the branch or call their customer care.
Pre Calculated EMI for Sarva Haryana Gramin Bank Personal Loan
Different Offers For Sarva Haryana Gramin Bank Personal Loan
Sarva Haryana Gramin Bank Marriage Loan
Lower your tension about the wedding cost, Sarva Haryana Gramin Bank is providing you marriage loan.
Sarva Haryana Gramin Bank Personal Loan for Government Employees
Government employees can avail themselves of special offers and discounts for their personal loan needs from Sarva Haryana Gramin Bank.
Sarva Haryana Gramin Bank Doctor Loan
Doctors who have been practising for more than 4 years can apply for personal loan offers that are customized to meet their personal and professional needs.
Sarva Haryana Gramin Bank Personal Loan for Pensioners
Central and state govt. retired employees can opt for Sarva Haryana Gramin Bank’s Personal Loan for their post-retirement expenses.
Sarva Haryana Gramin Bank Personal Loan Balance Transfer
You can transfer your personal loan with costly EMIs from an existing bank to Sarva Haryana Gramin Bank for better rates and offers.
Sarva Haryana Gramin Bank Personal Loan Top Up
Apply for a Sarva Haryana Gramin Bank’s personal loan top-up if you are in need of extra money rather than applying for a fresh loan to meet your increasing needs.
Sarva Haryana Gramin Bank Personal Loan Status
To check the status of your Sarva Haryana Gramin Bank’s personal loan, you will have to visit the bank branch in person.
Types of Sarva Haryana Gramin Bank Personal Loan
Home renovation loan
Sarva Haryana 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 Sarva Haryana Gramin Bank Home Renovation Loan’s major features are:
- The Home Renovation Loan of Sarva Haryana 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.
- Sarva Haryana 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 Sarva Haryana Gramin Bank will help you budget for your dream vacation with limited difficulties. A number of holiday-related expenses will be funded by this personal loan from Sarva Haryana Gramin Bank, including the booking of flight fares, hotel accommodation, guided tours, etc. The Sarva Haryana 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 Sarva Haryana Gramin Bank is distinct. The loan option provided by Sarva Haryana Gramin Bank is intended to help refreshers, i.e. recent graduates searching for their first job. Few of Sarva Haryana 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, Sarva Haryana 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:
- Sarva Haryana 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 for Sarva Haryana Gramin Bank Personal Loan?
- Visit the website of Dialabank.
- Fill your details in the personal loan form.
- Wait for our team to contact you and help you get the best offers.
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 on the basis of the internal criteria of the lender, as well as other parameters.
Check your Sarva Haryana Gramin Bank Personal Loan Application Status
The process for checking your application’s status requires the following steps:
- Visit the official website of Sarva Haryana 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 to the Sarva Haryana Gramin Bank portal
- Visit the Official Website of Sarva Haryana 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.
Sarva Haryana 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. Sarva Haryana Gramin Bank announced an RBI-mandated one-time gain from the Sarva Haryana 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.
In order to minimize the monthly EMI payments, the loan settlement scheme implemented by Sarva Haryana 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.
Sarva Haryana Gramin Bank Customer Care
Customers can approach Sarva Haryana Gramin Bank’s Customer Support via any of the following means:
By phone: You can call Sarva Haryana Gramin Bank on 01262-243111 (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 Sarva Haryana 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 Sarva Haryana 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 on conditions that are more desirable.
- 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 on 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 Sarva Haryana Gramin Bank Personal Loan
✅ How to apply for Sarva Haryana Gramin Bank Personal Loan?
You can apply for a personal loan with Sarva Haryana Gramin Bank either by visiting the nearby Sarva Haryana Gramin Bank branch or by a simple form submission with Dialabank. With Dialabank, you get the convenience to apply from anywhere and get quick online approval.
✅ What is the Interest Rate for Sarva Haryana Gramin Bank Personal Loan?
Sarva Haryana Gramin Bank charges an interest rate of 9.99% per annum for their personal loan products.
✅ What is the minimum age for getting a Personal Loan from Sarva Haryana Gramin Bank?
You must be 21 years old to apply for a personal loan with Sarva Haryana Gramin Bank.
✅ What is the maximum age for getting a Personal Loan from Sarva Haryana Gramin Bank?
The maximum age for getting a personal loan from Sarva Haryana Gramin Bank is 60 years.
✅ What is the minimum loan amount for Sarva Haryana Gramin Bank Personal Loan?
The minimum loan amount that can avail for a personal loan from for Sarva Haryana Gramin Bank has no limit.
✅ What is the maximum loan amount for Sarva Haryana Gramin Bank Personal Loan?
Sarva Haryana Gramin Bank lets you take a maximum loan amount of Rs. 20 lakhs under the personal loan scheme.
✅ What are the documents required for Sarva Haryana Gramin Bank Personal Loan?
The documents required for getting a personal loan from Sarva Haryana Gramin Bank are Aadhaar card/Voter ID, PAN card, salary slips/ITR, and two recently clicked photographs.
✅ What is the Processing Fee for Sarva Haryana Gramin Bank Personal Loan?
The processing fee charged by Sarva Haryana Gramin Bank for a personal loan is 1%-2%.
✅ How to get Sarva Haryana Gramin Bank Personal Loan for Self Employed?
Sarva Haryana Gramin Bank has special offers for self-employed borrowers to help them monetarily. You will have to provide the ITR files of the last two years as your income proof.
✅ What is the Maximum Loan Tenure for Sarva Haryana Gramin Bank Personal Loan?
The maximum tenure duration for a personal loan from Sarva Haryana Gramin Bank is 60 months.
✅ What should be the CIBIL Score for Sarva Haryana Gramin Bank Personal Loan?
You must have a CIBIL score of 750 or above for availing of a personal loan from Sarva Haryana Gramin Bank.
✅ Do I have a preapproved offer for Sarva Haryana Gramin Bank Personal Loan?
You can check out your preapproved personal loan offers from Sarva Haryana 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 Sarva Haryana Gramin Bank Personal Loan?
You can use the EMI calculator convenient at Dialabank’s website to calculate your personal loan EMIs from Sarva Haryana Gramin Bank.
✅ How to pay Sarva Haryana Gramin Bank Personal Loan EMI?
Your personal loan EMIs from Sarva Haryana Gramin Bank are automatically take away from your bank account on a monthly basis. You can also use the Sarva Haryana Gramin Bank’s net-banking facility to pay for your personal loan.
✅ How to close Sarva Haryana Gramin Bank Personal Loan?
You will have to pay all the outstanding personal loan amounts and then contact the branch of Sarva Haryana Gramin Bank to take your no dues certificate.
✅ How to check Sarva Haryana Gramin Bank Personal Loan Status?
You will require to visit the Sarva Haryana Gramin Bank branch to check your personal loan status. Alternatively, you can visit Dialabank and fill a simple form to let us do the hard work for you.
✅ How to close Sarva Haryana Gramin Bank Personal Loan Online?
Closing of a personal loan from Sarva Haryana Gramin Bank demands the following steps:
- Visit the net-banking page of Sarva Haryana Gramin Bank.
- Login with your details.
- Pay your personal loan and save the transaction receipt.
✅ How to pay Sarva Haryana Gramin Bank Personal Loan EMI Online?
You can pay your personal loan EMI through the net-banking facility of Sarva Haryana Gramin Bank. Dialabank allows you to compare offers and deals from different banks to choose the best, low-EMI personal loan. Just fill a simple form, and we will do the rest for you.
✅ How to check Personal Loan Balance in Sarva Haryana Gramin Bank?
To check out the personal loan balance in Sarva Haryana Gramin Bank, you will require to contact the Sarva Haryana Gramin Bank’s customer care number. If you are checking for low-interest personal loans, 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 Sarva Haryana Gramin Bank Personal Loan Statement?
The personal loan statement of Sarva Haryana Gramin Bank can be downloaded using the mobile banking app of Sarva Haryana Gramin Bank. You can visit Dialabank online and fill a simple form to compare and check all the offers that we have for you.
✅ How to Top Up Personal Loan in Sarva Haryana Gramin Bank?
If you want a top-up on your personal loan from Sarva Haryana 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 Sarva Haryana Gramin Bank Personal Loan EMIs?
Sarva Haryana Gramin Bank may charge you with penal interest if you are unable to pay your personal loan EMIs. You can apply for a balance transfer through Dialabank to avail yourself of low-interest personal loans.
✅ How to find the Sarva Haryana Gramin Bank Personal Loan account number?
You will have to contact your Sarva Haryana Gramin Bank loan branch to know your personal loan account number. You may also fill the form available at Dialabank and allow us to do all the work for you.
