Tripura Gramin Bank Personal Loan Key Features Nov 14 2024
| Eligibility Criteria | Details |
| Age | 21-61 years |
| CIBIL Score | 750 and above |
| Tripura Gramin Bank Personal Loan Interest Rate | 9.99% p.a. |
| Lowest EMI per lakh | – |
| Tenure | 12 to 60 months |
| Tripura Gramin Bank Personal Loan Processing Fee | 1%-2% |
| Prepayment Charges | Depends on the bank’s decision from time to time |
| Part Payment Charges | – |
| Minimum Loan Amount | 30,000 |
| Maximum Loan Amount | 40 lakhs |
Tripura Gramin Bank Personal Loan Eligibility Criteria
Eligibility criteria for a personal loan:
| CIBIL score criteria | 750 and above |
| Age criteria | 21-61 years |
| Min Income criteria | 25,000/- |
| Occupation criteria | salaried/self-employed |
Tripura Gramin Bank Personal Loan Documents Required
| Form | Duly filled application form |
| Proof of Identity | Passport copy, driving license, Aadhar card, and voter ID card |
| Proof of Address | Rental agreement (the applicant must be staying there for at least a year), utility bills with the same address given by the applicant, passport( to show the proof of permanent residence), and ration card |
| Proof of Income | Income tax review of the last two assessment years, salary slips of the last 6 months, and the bank statement of the last 3 months |
Tripura Gramin Bank Personal Loan EMI Calculator
Tripura Gramin bank Personal Loan Compared to Other Banks
| Particulars | Tripura Gramin Bank | HDFC Bank | Bajaj Finserv | Axis Bank | Citibank | Private Bank |
| Interest Rate | 9.99% | 11.25% to 21.50% | Starting from 12.99% | 15.75% to 24% | Starting from 10.99% | 11.50% to 19.25% |
| Tenure | 12 to 60 months | 12 to 60 months | 12 to 60 months | 12 to 60 months | 12 to 60 months | 12 to 60 months |
| Loan amount | 30,000 to Rs.40 lakhs | Up to Rs. 40 lakh | Up to Rs. 25 lakh | Rs. 50,000 to Rs. 15 lakh | Up to Rs. 30 lakh | Upto Rs. 20 lakh |
| Processing Fee | 1%-2% | Up to 2.50% of the loan amount | Up to 3.99% of the loan amount | Up to 2% of the loan amount | Up to 3% of the loan amount | Up to 2.25% of the loan amount |
Other Loan Products from Tripura Gramin Bank
-
Medium Term Farm Loans
-
Transport Operator Loan
-
Housing Loan Scheme
-
Own your car scheme
-
Small Business Loans
-
Bharat Darshan Loan
-
Loan to SHG
-
Loan Under SGSY
-
Loan Under Swabalamban
-
UtsavWrinPrakalpa
-
Education Loan Scheme
-
LATD
Why should you apply for Tripura Gramin Bank Personal Loan with Dialabank?
Dialabank helps you in choosing the best of the banks by giving you the up to date market contrast of several banks so that you can make the right decision. At Dialabank we have already guided thousands of borrowers to take the loan that they want without any hassle and look forward to continuing to doing so. Apply today to get special details and discounts on Tripura Gramin Bank personal loans.
You can call us on 9878981166 to get a Tripura Gramin Bank personal loan.
How to Calculate EMIs for Tripura Gramin Bank Personal Loan
These are the information that is required to work out your Tripura Gramin Bank Personal Loan EMI calculator online: the amount of the loan, rate of interest, and the loan period.
Add these values to the calculator and find your monthly EMIs:
Tripura Gramin Bank Personal Loan Processing Time
Processing time would usually tell you how long it would take to process an application under standardized situations. It usually begins on the day we receive the application from the bank and finishes when we make the choice regarding what loan we want and the amount to get credited.
Tripura Gramin Bank Personal Loan Preclosure Charges
The preclosure charges for the Tripura Gramin Bank Personal Loan are decided by the bank.
Pre Calculated EMI for Personal Loan
Different Offers For Tripura Gramin Bank Personal Loans
Tripura Gramin Bank Home Loan
Tripura Gramin Bank offers personal loans for a home:
- Your minimum age should be 21 yrs
- and Maximum Age should be 60 yrs
- Regular Income applicants are a must for this loan
- Earn more than the required monthly income
Tripura Gramin Bank Personal Loan for Government Employees
Tripura Gramin Bank offers personal loans to all the Govt. employees. The loan amount depends on the Company in which you are working.
Tripura Gramin Bank Education Loan
- For studying in India Tripura Gramin Bank provides Rs. 10 lakh.
- For studying Abroad Tripura Gramin Bank provides Rs. 20 Lakh.
Tripura Gramin Bank Personal Loan for Pensioners
- Processing charges can be asked from the bank by contacting their customer care.
- Very Affordable Interest Rates are available.
Tripura Gramin Bank Personal Loan Balance Transfer
A personal loan balance transfer is a method in which the borrower transfers the outstanding principal of the personal loan from one lender to another to gain better terms such as a lower and corporate interest rate on the outstanding loans.
Tripura Gramin Bank Personal Loan Top Up
The top-up loan is only given to customers who already have an existing relationship/account with the bank, the eligibility criteria are quite basic for the top-up plan. A customer who has taken a loan from the bank, irrespective of the type of the loan is taken, is eligible for a top-up loan.
Types of Tripura Gramin Bank Personal Loan
Home renovation loan
Tripura 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 Tripura Gramin Bank Home Renovation Loan’s major features are:
- The Home Renovation Loan of Tripura 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.
- Tripura 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 Tripura 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 Tripura Gramin Bank, including the booking of flight fares, hotel accommodation, guided tours, etc. The Tripura 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 Tripura Gramin Bank is distinct. The loan option provided by Tripura Gramin Bank is intended to help refreshers, i.e. recent graduates searching for their first job. Few of Tripura 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, Tripura 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:
- Tripura 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.
Tripura Gramin Bank Personal Loan Status
You can monitor the status of your Tripura Gramin Bank personal loan by the following measures:
- You could also visit the nearest loan branch and ask the bankers also for the same.
- Log In to the bank’s net banking portal, click on the loans from the top icon and click on enquire to check the status of your personal loan.
- Search for ‘personal loan status’ on google, click on the first link which will direct you to the loan status tracker webpage of Tripura Gramin Bank and fill the required information to monitor the status of your loan.
How to Apply for Tripura Gramin Bank Personal Loan?
Getting a personal loan is very easy; you would just have to:
- Visit our website – Dialabank
- You would then get a call from us.
- Our experts will assist you through the entire procedure and tell you about the details of the loan.
Tripura Gramin Bank 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 Tripura Gramin Bank Personal Loan application Status
The process for checking your application’s status requires the following steps:
- Visit the official website of Tripura 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 Tripura Gramin Bank portal
- Visit the Official Website of Tripura 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.
Tripura 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. Tripura Gramin Bank announced an RBI-mandated one-time gain from the Tripura 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 Tripura 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.
Tripura Gramin Bank Customer Care
Customers can approach Tripura Gramin Bank’s Customer Support via any of the following means:
By phone: You can call Tripura Gramin Bank on 1800 103 3470 (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 Tripura 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 Tripura 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 Tripura Gramin Bank Personal Loan
✅ What is the Interest Rate for Tripura Gramin Bank Personal Loan?
The interest rate for Tripura Gramin Bank’s personal loan is 9.99% p.a.
✅ What is the minimum age for getting a Personal Loan from Tripura Gramin Bank?
The minimum age for getting a personal loan from Tripura Gramin Bank is 21.
✅ What is the maximum age for getting a Personal Loan from Tripura Gramin Bank?
The maximum age is 61 to get a personal loan from Tripura Gramin Bank.
✅ What is the minimum loan amount for Tripura Gramin Bank Personal Loan?
The minimum loan amount for Tripura Gramin Bank is 30,000/-
✅ What is the maximum loan amount for Tripura Gramin Bank Personal Loan?
The maximum loan amount for Tripura Gramin Bank is 40 lakhs.
✅ What are the documents required for Tripura Gramin Bank Personal Loan?
The basic KYC documents are required for identity proof- passport copy, Aadhar card, voter ID, driving license; income proof- ITR of the last two assessment years, bank statement of the last 3 months, and the salary slip of the last 6 months; address proof- ration card, passport showing permanent residence address and rental agreement showing at least 1 year of stay in the given address.
✅ What is the Processing Fee for Tripura Gramin Bank Personal Loan?
The processing fee for Tripura Gramin Bank’s Personal loan is 1%-2%
✅ What is the Maximum Loan Tenure for Tripura Gramin Bank Personal Loan?
The maximum loan tenure is 60 months which is 5 years for Tripura Gramin Bank’s Personal loan.
✅ What should be the CIBIL Score for Tripura Gramin Bank Personal Loan?
The CIBIL score should be at least 700 or above.
✅ What is the Tripura Gramin Bank personal loan closure procedure?
Visit the bank with the complete set of documents (as mentioned above). You may be required to fill a form or write a letter requesting pre-closure of the Personal Loan account. Pay the pre-closure amount. Sign the required documents, if any. Take acknowledgement of the balance amount you have paid.
✅ What is Tripura Gramin Bank personal loan maximum tenure?
The maximum tenure of the Tripura Gramin Bank personal loan is 60 months.
✅ What is Tripura Gramin Bank personal loan minimum tenure?
The minimum tenure of the Tripura Gramin Bank personal loan is 12 months.
✅ What is the Tripura Gramin Bank personal loan customer care number?
The customer care number of Tripura Gramin Bank personal loan is 9878981166.
✅ What are the Tripura Gramin Bank Personal Loan pre-closure charges?
Tripura Gramin Bank gives you the option of pre-closing your loan after a period of a minimum of 12 months of taking the loan and paying 12 successful EMIs on your mortgage. However, Tripura Gramin Bank charges a Prepayment or Pre-closure charge. Refer to the table mentioned above.
Other Banks For Personal Loan
| Baroda UP Gramin Bank Personal Loan | |
| Baroda Gujarat Gramin Bank Personal Loan | |
| Bangiya Gramin Vikas Bank Personal Loan | |
| Assam Gramin Vikash Bank Personal Loan |
