Uttar Bihar Gramin Bank Personal Loan Key Features Nov 14 2024
| Eligibility Criteria | Details |
| Age | 21 – 60 Years |
| CIBIL score | 600 or above |
| Uttar Bihar Gramin Bank Personal Loan Interest Rate | 9.99% per annum |
| Lowest EMI per lakh | Rs. 2327 |
| Tenure | 12 to 60 months |
| Uttar Bihar Gramin Bank Personal Loan Processing Fee | 1% to 2% |
| Prepayment Charges | NIL |
| Part Payment Charges | NIL |
| Minimum Loan Amount | No Limit |
| Maximum Loan Amount | Rs. 5 Lakhs |
Uttar Bihar Gramin Bank Personal Loan Eligibility Criteria
Click here to know more about personal loan eligibility
| CIBIL score | 600 or above |
| Age | 21 to 60 years |
| Min Income | Rs. 20,000 |
| Occupation | Salaried/Self-Employed |
Uttar Bihar Gramin Bank Personal Loan Fees and Other Charges
| Uttar Bihar Gramin Bank Personal Loan Interest Rate | 9.99% per annum |
| Uttar Bihar Gramin Bank Personal Loan Processing Charges | 1% to 2% |
| Prepayment Charges | NIL |
| Stamp Duty | As per state law |
| Cheque Bounce Charges | Rs. 100 |
| Penal Interest | As per bank terms |
| Floating Rate of Interest | Not Applicable |
Uttar Bihar 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 |
Check all the Personal Loan Documents Required
Uttar Bihar Gramin Bank Personal Loan EMI Calculator
You can also calculate your EMI here: Personal Loan EMI Calculator
Uttar Bihar Gramin Bank Personal Loan Compared to Other Banks
| Bank | Interest Rate | Tenure | Loan Amount & Proc Fee |
| Uttar Bihar Gramin Bank | 9.99% | 12 to 60 months | Up to Rs. 5 lakh / Up to 0.50% 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 | Up to Rs. 20 lakh / Up to 2.25% of the loan amount |
Other Loan Products from Uttar Bihar Gramin Bank
| Gold Loan | Car Loan | Home Loan | Business Loan |
| TWL | LAP | Credit Card | Education Loan |
Click here to get an instant personal loan
Why should you apply for Uttar Bihar Gramin Bank Personal Loan with Dialabank?
- Dialabank helps you compare offers from different banks and financing companies.
- We then choose the best product as per your needs.
- With Dialabank, you get a trustworthy finance friend as your advisor and service provider.
How to Calculate EMIs for Uttar Bihar Gramin Bank Personal Loan
Use the EMI calculator to calculate your monthly instalments.
Uttar Bihar Gramin Bank Personal Loan Processing Time
A personal loan application for Uttar Bihar Gramin Bank takes up to 72 hours for processing. The banks will verify your details, and only after complete satisfaction, they disburse the amount.
Uttar Bihar Gramin Bank Personal Loan Preclosure Charges
Uttar Bihar Gramin Bank does not charge you any foreclosure fee if you prepay your personal loan.
Uttar Bihar Gramin Bank Personal Loan Overdraft Facility
An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can in like way repay the got out absolutely at whatever point the condition is ideal. From this time forward, it is possibly the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.
Apply for an overdraft office as an Uttar Bihar Gramin Bank Personal Loan. The versatile improvement office has all the colossal features of a powerless overdraft credit.
Pre Calculated EMI for Personal Loan
Types of Uttar Bihar Gramin Bank Personal Loan
Uttar Bihar Gramin Bank Marriage Loan
Weddings are celebrated functions that can stretch up to 3 days, and that means urgency to arrange large lump-sum money. A personal loan is easy to take and repay with an affordable EMI structure.
Uttar Bihar Gramin Bank Personal Loan for Government Employees
All the employees of central and state governments can apply for a personal loan with Uttar Bihar Gramin Bank to avail of special offers and deals for their personal needs.
Uttar Bihar Gramin Bank Doctor Loan
Well established and experienced doctors can apply for a personal loan to meet their professional and as well as personal needs. Banks have specially curated offers for all their needs.
Uttar Bihar Gramin Bank Personal Loan for Pensioners
Retired government employees that may face some post-retirement financial problems can apply for a personal loan to fulfil their needs.
Uttar Bihar Gramin Bank Personal Loan Balance Transfer
You can transfer your high-interest personal loans to Uttar Bihar Gramin Bank to avail of lower rates and an easy EMI structure.
Uttar Bihar Gramin Bank Personal Loan Top Up
Financial needs arise without any warning, and if you have already taken a loan, you face the dilemma of increasing your EMI burden by taking another loan. With Uttar Bihar Gramin Bank, you can apply for a top-up on the existing loan and not worry about any added burden.
Different Types of Personal Loan Offered by Uttar Bihar Gramin Bank
Home Renovation Loan
Home Renovation Loan provided by Uttar Bihar Gramin Bank helps you to change the appearance of your house by helping in covering the expenses of new furniture and tiling. Below are the highlights of the Home Renovation Loan.
- The home renovation loan schemes and policies include basic documentation and no-complexity.
- The Uttar Bihar Gramin Bank Home loan is accessible to both new customers and existing ones.
- The minimal processing fee is charged with applicable Tax.
- This insecure loan is available at an interest rate starting from 8.00% p.a.
Holiday Loan
A holiday loan is taken to cover the expenses of travelling during the international or countrywide trips. This credit will make the travel and holiday plans smooth.
- The Uttar Bihar Gramin Bank Holiday Loan is available at an easy personal loan interest rate interest rates.
- Low processing fee.
- Interest rates are applicable 11.25% p.a. onwards.
Fresher Funding
The Uttar Bihar Gramin Bank has launched a new category of fresher funding. This funding is for students who recently graduated from college and start-up business owners, looking for funds. Fresher funding helps these entrepreneurs to have the loan amount and grow the business.
- The loan amount sums up to 1.5 lacs.
- Age of the applicant should be 21 or more.
- The applicant’s profile decides the loan amount.
NRI Personal Loan
When people move to different countries due to multiple reasons such as education, job or medical contracts, then if any emergency fund requires and such emergencies are taken care of by the special loan category that is The Uttar Bihar Gramin Bank NRI Personal Loan. The important features of the individual loan are as given below:
- Interest rates are available starting from 11.25%.
- This loan can be received with no security.
- Proper documents of the co-applicant(Indian loan applicant) and NRI are required for this loan.
How to Apply Online for The Uttar Bihar Gramin Bank Personal Loan with Dialabank?
To apply for Uttar Bihar Gramin Bank Personal Loan, you can either apply offline or online depending upon the needs of the situation. Here are the steps you need to follow to apply for Uttar Bihar Gramin Bank Personal Loan.
- Visit Dialabank
- You can also visit Uttar Bihar Gramin Bank Personal Loan directly on Dialabank.
- Check whether you have documents, you are eligible or there are any requirements.
- Fill a simple online form for our research.
- We will connect with you after form submission.
- This way, you can get your loan approved in no time.
- Also, you can call on 9878981166 to know more.
Personal Loan Verification Process
The Uttar Bihar Gramin Bank follows the below-mentioned steps for loan verification:
Step 1 The Bank goes through Dialabank Application and move forward.
Step 2 First step of verification is completed by calling the applicant.
Step 3 Post the conversation with the customer, the bank collects the documents.
Step 4 Documents helps in deciding the Loan tenure, interest rates and amount.
Step 5 After the agreement of the customer, the loan is disbursed.
Check Your Uttar Bihar Gramin Bank Personal Loan Application Status
You can check the status of your Uttar Bihar Gramin Bank Personal Loan by the following methods –
- You can also visit your loan branch and ask the bank officials for the same.
- Log In to the Uttar Bihar Gramin Bank Net banking Portal, Click on loans from the top ribbon and click on Enquire to check the status of your loan.
- Search for ‘personal loan status’ on Google, open the first link which will take you to the Loan Status Tracker webpage of Uttar Bihar Gramin Bank, and fill in the required information to check the status of your loan.
How to Login to The Uttar Bihar Gramin Bank Portal
- Google and land on The Uttar Bihar Gramin Bank Website.
- Log in with your Uttar Bihar Gramin Bank login ID and Password.
- Tap on the login key and get access to the bank portal easily.
The Uttar Bihar Gramin Bank Personal Loan Statement
- Visit the official website of The Uttar Bihar Gramin Bank.
- Find ‘More’ and click on the “Register New Loan”.
- Provide the required details and submit
- After entering the OTP it will redirect you to the Loan Statement page.
The Uttar Bihar Gramin Bank Personal Loan Restructuring (COVID-19)
In the pandemic and lockdown, The Uttar Bihar Gramin Bank decided to stand firm to lighten the weight of, Therefore, all the borrowers were foreseen to continue back to the past EMI plans. In any case, the borrowers were so far in upheaval concerning how to reimburse the exceptional with progressing monetary crunches. Considering the antagonistic circumstance The Uttar Bihar Gramin Bank presented another structure that fortifies the clarification behind its borrowers sensible by the RBI.
The moderation structure is featured destressing the borrowers by plunging cash related weight. This new structure gives the borrower occasion to extricate up the reimbursement residency as long as 2 years at unequivocal outcomes. The broad extricating up will invite an additional financing cost on the surprising entire and subsequently, the improvement will be named as “Remade” in the credit report of the recipient. Accomplishing a comment on the borrower’s FICO rating, along these lines, the borrowers are asked to pick the instrument in numerous ominous conditions notwithstanding the reimbursement plans must get the strings as in the past.
Uttar Bihar Gramin Bank Customer Care
- Visiting the Bank: The applicant can visit the bank branch for any information on loan approval.
- Calling Customer Care: The customers get in touch with the bank via call on 9878981166.
- Chat Box On Website: The chatbox is available for any suggestion or query on the official site.
- Asking for a Call Back: A call back can be requested while visiting the Bank branch.
Benefits of Applying for Personal Loan on Dialabank
- Availability: When an applicant requests the loan through Dialabank, they can get in touch with customer care 24 hours a day of the week.
- Minimum Paperwork: Dialabank makes the documentation process less complicated.
- Unlimited Options: Dialabank brings the various bank’s offers in one place, and the more choice you have, the better deal you will get.
- Free EMI Calculator: By using Dialabank’s EMI Calculator you can easily check out your EMI based on your interest rate and plan the loan accordingly.
Important Aspects
The mentioned below are a few points that should be taken into consideration before you apply for a Personal Loan:
- It is wise to keep a track of your credit score. The credit score plays an important role in the Loan application. A satisfactory credit score enables the applicant to move forward and apply for the Loan.
- The Big amount of the loan takes more time while paying back. A minimal amount helps you to pay lesser interest. A loan should be taken according to one’s ability to pay it back.
- Do not apply to multiple banks for the loan at the same time, instead compare the various Loan offers and choose wisely. It’s better to inquire about the high-level authorities and bank associations before applying for a particular loan.
FAQs About Uttar Bihar Gramin Bank Personal Loan
✅ What is Uttar Bihar Gramin Bank personal loan?
Uttar Bihar Gramin Bank personal loan is a loan product that lets you use the loan amount for any of your personal needs.
✅ How does Uttar Bihar Gramin Bank personal loan work?
Go through the eligibility criteria and following that provide the required documents at the bank branch with the filled form. Go with the further procedure and after approval, the amount will be provided to you.
✅ What is the personal loan rate of interest in Uttar Bihar Gramin Bank?
The personal loan rate of interest starts at 9.99% per annum in Uttar Bihar Gramin Bank.
✅ How much EMI is on Uttar Bihar Gramin Bank personal loan?
The minimum EMI to be paid is Rs.2327 per lakh of loan. EMI calculated is based on the amount borrowed, the period, and the interest rate.
✅ What is the CIBIL score required for a personal loan from Uttar Bihar Gramin Bank?
The CIBIL score needed for a personal loan from Uttar Bihar Gramin Bank is 600 and above.
✅ What can I use Uttar Bihar Gramin Bank personal loan for?
The personal loan from Uttar Bihar Gramin Bank will be useful for financing all your needs like a wedding, medical bills, daily expenses, etc.
✅ What documents are needed for Uttar Bihar Gramin Bank personal loan?
The documents needed for identity proof, income proof, a copy of your PAN card, along with 2 recent photographs.
✅ How to check Uttar Bihar Gramin Bank Personal Loan status?
You can visit the loan branch or contact the bank on the customer care number to know the status of your personal loan.
✅ What is the Processing Fee for Uttar Bihar Gramin Bank Personal Loan?
Uttar Bihar Gramin Bank charges a processing fee of up to 1% to 2% of the loan amount plus GST for the personal loan.
✅ How to get Uttar Bihar Gramin Bank Personal Loan for Self Employed?
Uttar Bihar Gramin Bank has 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 Uttar Bihar Gramin Bank Personal Loan?
The maximum tenure period for a personal loan from Uttar Bihar Gramin Bank is 60 months.
✅ Do I have a preapproved offer for Uttar Bihar Gramin Bank Personal Loan?
You can check for your pre-approved personal loan offers from Uttar Bihar Gramin Bank through Dialabank. All you have to do is 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 Uttar Bihar Gramin Bank Personal Loan?
You can use the EMI calculator available at Dialabank’s website to calculate your personal loan EMIs from Uttar Bihar Gramin Bank.
✅ How to pay Uttar Bihar Gramin Bank Personal Loan EMI?
Your personal loan EMIs from Uttar Bihar Gramin Bank are automatically deducted from your bank account on a monthly basis. You can also use the net-banking facility of Uttar Bihar Gramin Bank to pay for your personal loan.
✅ How to close Uttar Bihar Gramin Bank Personal Loan?
You will have to first pay all the outstanding personal loan amounts and then contact the Uttar Bihar Gramin Bank branch to receive your no dues certificate.
✅ How to check Uttar Bihar Gramin Bank Personal Loan Status?
You will need the visit the Uttar Bihar Gramin Bank branch in person to know 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 Uttar Bihar Gramin Bank Personal Loan Online?
Closing of a personal loan from Uttar Bihar Gramin Bank involves the following steps:
- Visit the net-banking page of Uttar Bihar Gramin Bank.
- Login using your details.
- Pay for your personal loan and save the transaction receipt.
✅ How to pay Uttar Bihar Gramin Bank Personal Loan EMI Online?
Your personal loan EMI can be paid using the net-banking services of Uttar Bihar Gramin Bank. 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 Uttar Bihar Gramin Bank?
To check the personal loan balance in Uttar Bihar Gramin Bank, you will need to contact the customer care number of Uttar Bihar Gramin Bank. If you are looking 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 Uttar Bihar Gramin Bank Personal Loan Statement?
The personal loan statement of Uttar Bihar Gramin Bank can be downloaded using the Bank 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 Uttar Bihar Gramin Bank?
If you need a top-up on your personal loan from Uttar Bihar Gramin Bank, you will have to visit the Uttar Bihar Gramin 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 Uttar Bihar Gramin Bank Personal Loan EMIs?
Uttar Bihar Gramin Bank may charge you with penal interest if you fail to pay your personal loan EMIs. You can apply for a balance transfer using Dialabank to get low-interest personal loans that will not put a hole in your pocket.
✅ How to find the Uttar Bihar Gramin Bank Personal Loan account number?
You will need to contact your Uttar Bihar 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.
✅ What relaxation scheme and moratorium Uttar Bihar Gramin Bank provides in relation to Personal Loan due to COVID 19?
A 6 months moratorium is provided by Uttar Bihar Gramin Bank.
✅ What is the Uttar Bihar Gramin Bank personal loan customer care number?
Contact 9878981166 for any queries.
✅ What are the Uttar Bihar Gramin Bank Personal Loan pre-closure charges?
Uttar Bihar Gramin Bank does not charge you any foreclosure fee if you prepay your personal loan.
✅ What is the Uttar Bihar 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 the Uttar Bihar Gramin Bank Personal Loan Overdraft Facility?
An individual overdraft is a credit office that licenses you to pull out an all-out as and when required. You can in like way repay the got out absolutely at whatever point the condition is ideal. From this time forward, it is possibly the most preferred credit decisions that profited to meet changing individual supporting necessities unbounded.
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 |
