Saurashtra Gramin Bank Personal Loan Key Features
| Eligibility Criteria | Details |
| Age | 21 to 58 yrs(at loan maturity) |
| CIBIL | 750 |
| Saurashtra Gramin Bank Personal Loan Interest Rate | 9.99% p.a. |
| Lowest EMI per lakh | NIL |
| Tenure | 12 to 36 Months |
| Saurashtra Gramin Bank Personal Loan Processing Fee | 1%-2% |
| Prepayment Charges | Decided by bank |
| Part Payment Charges | Decided by bank |
| Minimum Loan Amount | Rs. 5000 |
| Maximum Loan Amount | Rs. 40 Lakhs |
Each Feature Explained in Detail Below
Saurashtra Gramin Bank Personal Loan Eligibility Criteria
Eligibility criteria for Personal Loan:
| CIBIL score criteria | 750 or above |
| Age criteria | 21 to 58 yrs |
| Min Income criteria | Rs. 15,000 to Rs 25,000 |
| Occupation criteria | Salaried/Self-Employed/Pensioner |
Saurashtra Gramin Bank Personal Loan Interest Rate and Charges
Best Personal Loan Interest Rate
| Saurashtra Gramin Bank Personal Loan Interest Rate | 9.99% p.a. |
| Saurashtra Gramin Bank Personal Loan Processing Charges | 1%-2% |
| Prepayment Charges | NIL |
| Stamp Duty | NIL |
| Cheque Bounce Charges | NIL |
| Penal Interest | NIL |
| Floating Rate of Interest | NIL |
Saurashtra Gramin Bank Personal Loan Documents Required
| Form | Duly filled and signed the application form |
| Proof of Identity | Copy of: > Passport > Driving License > Aadhaar Card > Voter ID Card |
| Proof of Address | Rent Agreement (Min. 1 year of stay) Utility Bills Proof of permanent residence Ration card, Bank Account Statement, Latest Credit Card Statement |
| Proof of Income | ITR: Last two financial years( For self-employed)
> Salary Slip: Last 6 months (Salaried Employee) > Bank Statement: Last 3 months |
Saurashtra Gramin Bank Personal Loan EMI Calculator
EMI Calculator for personal loan.
Saurashtra Gramin Bank Personal Loan Compared to Other Banks
| Bank | Interest Rate | Tenure | Loan Amount & Proc Fee |
| Saurashtra Gramin Bank | 9.99% | 12 to 36 months | Up to Rs. 40 lakh / Up to 2% of the loan amount |
| 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 |
Other Loan Products from Saurashtra Gramin Bank
Why should you apply for Saurashtra Gramin Bank Personal Loan with Dialabank?
- Dialabank is the leading financial helpline in India.
- Less Documentation
- Fast Approval is provided to our customer
You can call at 9878981166 for any query.
How to Calculate EMIs for Saurashtra Gramin Bank Personal Loan
There is a requirement of the following information to calculate Saurashtra Gramin Bank Personal Loan EMI:
- You need to provide the Loan Amount
- Also, the Interest Rate
- and Tenure of the loan
Substitute the values in the calculator below and find your monthly EMIs
Saurashtra Gramin Bank Personal Loan Processing Time
- Fast processing
- Need less documentation
- Processing fee of 1%-2%
Saurashtra Gramin Bank Personal Loan Preclosure Charges
If your fund is ready then you can apply for the Preclosure procedure. You can simply call the bank for more details.
Different Offers For Saurashtra Gramin Bank Personal Loan
Saurashtra Gramin Bank Home Loan
- Saurashtra Gramin Bank offers personal loans for a home.
- The minimum age is 21 yrs
- The maximum Age should be 60 yrs
- Regular Income applicants are a must for the Home Loan
- Earn more than the required monthly income.
Saurashtra Gramin Bank Personal Loan for Government Employees
- Saurashtra Gramin Bank offers personal loans to all the Govt. employees
- The loan amount depends on the Company in which you are working with
Saurashtra Gramin Bank Education Loan
- Saurashtra Gramin Bank offers Education loans up to Rs 10 lac in India and Rs 20 lac to study in Abroad
- The loan limit should be above Rs 4.00 lac
- Max Loan to study in India is Rs 10 lac
- Max Loan to Study in India is Rs 20 lac
Saurashtra Gramin Bank Personal Loan for Pensioners
- EMI of 12 to 36 months
- 1%-2% is processing charge
- Affordable Interest Rate
Saurashtra Gramin Bank Personal Loan Balance Transfer
- Personal loan balance transfer means the borrower transfer the sum to other institutions.
- Lowest Interest Rate on Personal Loan.
- Long repayment tenure.
Saurashtra Gramin Bank Personal Loan Top Up
Saurashtra Gramin bank personal loan provides top-up that means an additional amount on the existing loan.
Home Renovation Loan
Saurashtra Gramin Vikas Bank offers home update credit for people wishing to have their homes overhauled. This individual credit will back the basic fixes or permit the borrower to purchase new home fittings, machines, and furniture. Some colossal features of the Saurashtra Gramin Vikas Bank Home Renovation Loan are:
- The financing cost of the Saurashtra Gramin Vikas Bank Home Improvement Loan begins at as low as 11.25%.
- Individuals will be in peril for a headway proportion of Rs. 20 Lakhh to have their home altered.
- The credit of Saurashtra Gramin Vikas Bank’s home reproduces needs zero documentation, making the whole headway time frame liberated from the burden.
- In general, the improvement entire is credited to the record inside 72 hours before the bank favours the comfort.
Holiday Loan
The Saurashtra Gramin Vikas Bank’s Holiday Loan will assist you with a minor issue while coordinating your fantasy move away. The basic features of the Saurashtra Holiday Loan are This individual Saurashtra Gramin Vikas advance will uphold a degree of trip-related costs, including booking travel tickets, abiding working environments, guided visits, etc
- Financing costs for occasion drives start at 11.25 percent p.a.
- Without a great deal of stretch favoured position, you can do a degree of up to Rs 20 Lakh.
- The immediate and away from of your move away is ensured by made and inconsequential work region work.
- Enthusiastic progress game-plan and allotting that is immediately credited to your record.
Fresher Funding
Saurashtra Gramin Vikas Bank’s Fresher Funding is noteworthy for an overall piece of unsteady individual credits subject to people with a standard remuneration. This option rather than Saurashtra Gramin Vikas credit is proposed to help freshers, for example, proceeding with graduated class, for instance searching for their first work. Coming up next are some suitable features of Saurashtra Gramin Vikas Fresher Funding’s individual credit:
- Credit proportion of up to Rs 1.5 lakh
- Competitors must, at any rate, be 21 years of age.
- The advancement of interest for Fresher Funding relies on the up-and-comer’s profile, the monetary record/score, age of the competitor, and district.
NRI Personal Loan
For NRIs, Saurashtra Gramin Vikas outfits an individual with development, understanding the necessities and dreams of NRIs. The primary headway picked one should be an Indian inhabitant, and the co-competitor NRI must be close to a relative. The Individual Loan for NRIs contains the going with features.
- Individual NRI advances of up to Rs. 10 lakh with adaptable end-use pushes are given by Saurashtra Gramin Vikas.
- The expense of NRI Personal Loan financing begins at 15.49 percent p.a.
- The credit requires a residency of up to three years.
How to Apply Online for Saurashtra Gramin Vikas Bank Personal Loan?
Apply for Saurashtra Gramin Vikas Bank Personal Loan online by visiting the Saurashtra Gramin Vikas Bank’s online portal.
- Visit the website of Dialabank and fill the application form.
- You will get a call from us.
- Our instructors will guide you through the entire process and tell you the details of the loan.
Personal Loan Verification Process
The following steps are a must after you Apply For Personal Loan in Utkarsh Small Finance Bank which is as mentioned below:
- Soon after completing the application with Dialabank, the applicant receives a call.
- The application verification is done over the call.
- After that documents are asked to submit.
- Post document submission, second verification takes place.
- This verification confirms the Loan amount, tenure and interest rates.
- Once the bank receives confirmation from the bank, it credits the loan to the account of the customer.
Saurashtra Gramin Vikas Bank Personal Loan Status
- Visit the site of this bank.
- Check Personal Loan Eligibility Online.
- Fill the form with your information.
- Our managers will contact you.
How to login in to Saurashtra Gramin Vikas portal
- Check the official website of Saurashtra Gramin Vikas.
- Click on ‘Login’ in the upper right corner of the screen.
- Using your User ID and Password or reported mobile number to log in
How to Check Your Loan Statement
Clients can download the bank’s very own credit proclamation by following the means given below:
- Visit the official site of the bank.
- Select ‘Connect’ and from the drop-down list, choose ‘Administration Requests’.
- On the following page that opens, under the ‘Advances’ menu, click’ Individual Loan Related.’
- Tap on ‘Request for Loan Account Statement’ first.
- Log in using your User ID and the secret word or using your enlisted versatile number and OTP to benefit from the bank’s very own credit clarification.
Saurashtra Gramin Vikas Bank Personal Loan Restructuring (COVID-19)
All through country lockdown, unfairly influenced a few borrowers by virtue of the COVID-19 pandemic, and a multi-month forswearing on various term drives was verbalized to control its impact on a particular degree. Saurashtra Gramin Vikas enunciated the RBI-guided one-time advantage by the individual credit increase of Saurashtra Gramin Vikas after the half-year boycott had finished. This instrument is needed to offer help to those borrowers who, considering the propelling cash related challenges of the pandemic, are not yet set up to start reimbursement of their standard EMI.
The credit target plan of Saurashtra Gramin Vikas suggests an extra boycott of up to two years or an advancement of the current repayment term to diminish EMI isolates from month to month. As a major concern, it is basic that the recovery of your individual advancement from Saurashtra Gramin Vikas will accomplish extra amazing charges far past those of the rule improvement. Therefore, if whatever else fizzles with the craving for not winding up defaulting on your uncommon credit, you can essentially utilize this help instrument.
Saurashtra Gramin Vikas Bank Customer Care
Customers can contact Saurashtra Gramin Vikas Bank customer care via any of the following means:
- By Phone: You can call Saurashtra Gramin Vikas on 9878981166 (toll-free)
- Callback Request: You can also request a call back by visiting the bank’s website
- Online Chatbot: You can also get your queries answered by the iPal chatbot online
- Branch Visit: You can visit the nearby Saurashtra Gramin Vikas branch to get your queries.
Benefits of Applying for Personal Loan on Dialabank
There are several points of concern when applying for a personal advance on the Dialabank website. Underneath some of them are provided:
- 24 x 7 Availability: At whatever point and anyplace you can get to the site of Dialabank, and thusly, when your home or office is agreeable, apply for individual development.
- Numerous moneylenders: com engages you to get singular credit offers from different planned advance experts on a single stage and along these lines wipes out the need to visit distinctive bank locales or branches.
- Know EMI: On EMI calculator, you can check the EMIs you would be paying on an individual credit even before you apply for one. It will help you with getting the reasonable total that you can without a very remarkable stretch repay and have a supportive repayment plan.
- Liberated from cost: Additionally, you are not supposed to pay any charges when you apply for an individual advance on Dialabank.com
Important Aspects
Below are some critical points you ought to consider while applying for an individual Saurashtra Gramin Vikas Bank credit:
- It is ideal to check your cash related evaluation in any circumstance while applying for individual new development. The odds of your credit maintain are worked by a solid credit assessment and can permit you to profit by an individual progression on better equilibrium.
- Prior to picking a particular bank, it is insightful to consider the expense of an individual credit (premium cost and every single reasonable cost and charge) offered by various moneylenders on Dialabank.com.
- Secure as exhibited by the need and repayment limit. Make the important strides not to win since you’re set up to get a higher entirety. It just adds to the cost of your favoured position and has a reasonably couple of central focuses as time goes on.
- Make the fundamental strides not to apply simultaneously with different moneylenders for lone advances. This shows that you are ready for credit and broadens the measure of complex credit report rules, which can unjustifiably impact your FICO score.
FAQs About Saurashtra Gramin Bank Personal Loan
✅ What is Saurashtra Gramin Bank personal loan?
The loan provided by the Saurashtra Gramin bank for personal uses for a particular tenure is referred to as Saurashtra Gramin bank’s personal loan.
✅ How does Saurashtra Gramin Bank personal loan work?
As it is less secured, there is no need for any security. You only need to submit the basic documents for KYC and income proof as well. You could just visit the bank branch to fill the application form for the loan approval. The loan amount will get credited to your bank account. You can use it according to your needs.
✅ What is the personal loan rate of interest in Saurashtra Gramin Bank?
Saurashtra Gramin bank’s personal loan has a rate of interest of 9.99% p.a. The processing fee for this bank is 1%-2%.
✅ How to apply for a personal loan in Saurashtra Gramin Bank?
Apply Online
- Visit our website Dialabank.
- Fill the application form.
- Then, you will get a call from our managers.
- Call on 9878981166.
Apply Offline
- Visit your nearby Dialabank for a personal loan.
- Fill the application form.
✅ How much EMI is on Saurashtra Gramin Bank personal loan?
EMI(Equated Monthly Installments) is a monthly dividend amount for your loan. It starts at 12 EMIs. With a maximum repayment period of 36 months.
✅ How much CIBIL score is required for a personal loan from Saurashtra Gramin Bank?
CIBIL score is the major factor for the approval of the personal loan. There is a requirement of a minimum 750 CIBIL score for a personal loan from Saurashtra Gramin Bank. Make sure, you have a decent CIBIL score.
✅ What can I use Saurashtra Gramin Bank personal loan for?
Saurashtra Gramin Bank provides personal loans for many purposes. This bank provides personal loans for home, education, car loan, two and three-wheelers loans.
✅ What documents are needed for Saurashtra Gramin Bank personal loan?
For Saurashtra Gramin Bank, there are basic documents required like a Aadhaar card, Driving Licence, Income proof, Passport Sized Photos.
