About Uttar Bihar Gramin Bank Personal loan
Uttar Bihar Gramin Bank is a regional rural bank headquartered in Muzaffarpur. It is a government-owned bank sponsored by the Central Bank of India. Personal loans help people to fulfil their business as well as personal financing needs. Both salaried, as well as self-employed, are eligible for this loan. Salaried people in both government, as well as the private sector, can apply for this loan. It is an unsecured loan and anyone between 21 to 60 years of age can apply for this loan. Also, women borrowers are eligible to get special offers on personal loans.
Uttar Bihar Gramin Bank Personal Loan Eligibility
*In cities such as Kochi, Kolkata, Ahmedabad, Pune, Hyderabad, Mumbai, Chennai, Bengaluru, and Delhi the net monthly income required is Rs.20,000 Click here to know more about - Salaried Applicant *Note: The eligibility criteria vary from lender to lender. *Personal loan disbursal is solely at the bank’s discretion and as per the bank’s terms and conditions
Particulars
Salaried
Self-Employed
Age
21 - 60 years
21 - 65 years
Minimum Income
Rs.15,000*
Rs.5 Lakh p.a.
Co-applicant
Not mandatory
Not mandatory
Loan Tenure
12 – 60 months
12 – 60 months
Maximum Loan Amount
Rs.40 Lakh
Rs.40 Lakh
Employment Type
Employees of private limited companies and public sector undertakings
Employment/Business Continuity
At least 2 years; minimum 1 year with current employer
5 years Post Qualification experience for Company Secretary / Architect.
CIBIL Score
750 and above
750 and above
Residential Status
Click here to know more about - Self-employed ApplicantCheck Personal Loan Eligibility with Top Lenders in 2021
Bank
Age Limit
Minimum Work Experience
SBI
Up to 76 years
NA**
Rs.15,000
HDFC
21 to 60 years
2 years
Rs. 20,000
Private
23 to 58 years
2 to 5 years
Rs.17,500
Axis
21 to 60 years
NA**
Rs.15,000
Kotak Mahindra
22 to 55 years
1 year
Rs.25,000
Tata Capital
21 to 58 years
1 year
Rs.15,000
IndusInd
21 to 60 years
2 to 5 years
Rs.25,000
Ujjivan Small Finance
22 to 58 years
NA**
India Infoline Finance Limited
25 to 60 years
6 months to 2 years
Rs.35,000
HDBFS
21 to 65 years
1 year to 3 years
Rs.1 lakh p.a. for self-employed
Indian Overseas Bank
Up to 58 years
NA*
Rs.5,000
IDFC First Bank
23 to 68 years
3 years
NA*
Federal Bank
21 - 55 Years
3 years
Rs.25,000
Punjab National Bank
21 – 58 years
2 years for doctors
Rs.15,000
Andhra Bank
21 - 55 years
NA**
NA*
Canara Bank
NA**
NA**
Self-employed - Rs. 1.5 lakh
IDBI Bank
Up to 75 years for Pensioners
NA**
Rs.1.5 lakh p.a.
Fullerton India
21 to 55 years
1 to 2 years
Rs.15,000
RBL Bank
25 to 60 years
1 to 3 years
Rs.25,000
Bank of Baroda
21 to 60 years
1 year to 2 years
Deutsche Bank
25 to 60 years
NA**
Rs.25,000
Karnataka Bank
NA**
3 years
NA*
United Bank of India
up to 75 Years
2 years
NA*
UCO Bank
21 to 65 years
1 year to 5 years
Rs.20,000
Learn More about Personal Loan: Click Here
Documents Required for Uttar Bihar Gramin Bank Personal Loan
Uttar Bihar Gramin Bank Personal Loan Approval Process
- First of all, fill out the application form. You can either fill out the form through the website or in person.
- Secondly, collect and submit documents required for the loan like income proof, employment proof, identity proof, address proof, and passport size photographs.
- The third step is for approval is documents verification.
- The final step of loan approval is the loan disbursement. Also, you can not cancel a loan after its disbursement.
Steps to Apply for Uttar Bihar Gramin Bank Personal Loan
- The first step is to visit the website of the bank you want to apply to and get all the details you need.
- The next step is to Fill out all the necessary details required like personal and financial details.
- After that, the lender will match your eligibility with the amount you want to avail of the loan.
- Moreover, After agreeing for processing the application form, you need to submit the documents required.
- Then after the processing of documents, your personal loan will get disbursed if approved.
Uttar Bihar Gramin Bank Personal Loan Approval Process FAQs
✅ What is the maximum amount of personal loans I can get?
The maximum amount of personal loan one can get is Rs. 75 lakhs.
✅ Can I get a personal loan if I don’t have a good credit score?
It is difficult to get a personal loan if you do not have a good credit score because personal loans are unsecured loans.
✅ What is the minimum amount of personal loans I can get?
The minimum amount of personal loan you can get is Rs. 50,000.