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Personal Loan
Benefits of Personal Loans
- You can take the loan for Rs.40 lakh or more.
- Choose a loan tenure of up to 5 years and repay your loan in easy EMIs.
- You can apply through Offline or Online modes.
- Less paperwork and low documentation are required.
- No restrictions on how the loan amount should be used.
- Affordable interest rates ranging between 10% – 24% p.a.
- Helps in quick consolidation of debts.
- Fast Approval.
- Pre-approved loan offers are also available.
Apply for a personal loan online through DialaBank and get the best offer available from top banks based on your needs. Avail personal loan on DialaBank for weddings, travel, home renovation, or an emergency financial requirement.
If you are looking for a loan, compare various banks that provide credit at a low rate of interests, secure EMI and low processing charges. Here are some of the leading banks :
HDFC Personal Loan
Key Highlights:
- Attractive personal loan Interest rates for self-employed applicants.
- Loan Disbursal is done in 10 seconds for pre-approved HDFC Bank Applicants
- Flexible Repayment tenures extending up to 5 years.
| Interest Rate | EMI | Foreclosure/Prepayment Charges | Repayment |
10.75% onwards |
Rs.2,162 |
13 to 24 months: 4% of the outstanding principal amount 25 to 36 months: 3% of the outstanding principal amount More than 36 months: 2% of the outstanding principal amount |
Fullerton India Personal Loan
Key Highlights:
- Easy and Quick approvals according to personal loan eligibility
- Flexible tenures from 12 months up to 5 years.
- Hassle-free with minimal documentation, and existing Fullerton India customers are eligible for additional benefits.
| Interest Rate | EMI | Foreclosure/Prepayment Charges | Repayment |
11.99% |
Rs. 2,224 |
3% to 7% of the outstanding amount of principal depending on the time of application of foreclosure |
ICICI Bank Personal Loan
Key Highlights:
- Collateral-free personal loans
- Get Funds in just 3 seconds*
- Minimal personal loan documents plus hassle-free application process
* Applicable only for pre-approved customers upon completion of online verification and acceptance of the final offer by the bank*
| Interest Rate | EMI | Foreclosure/Prepayment Charges | Repayment |
10.99% onwards |
Rs.2,174 |
5% of the total principal outstanding amount + GST |
Rs.1,30,425 |
SBI Personal Loan
Key Highlights:
- Collateral-free personal loans
- Low rates of interest
- Minimal documentation and hassle-free processing and use of personal loan EMI calculator will make it easy.
| Interest Rate | EMI | Foreclosure/Prepayment Charges | Repayment |
9.60% onwards |
Rs.2,105 |
3% of the total principal outstanding amount + GST |
Rs. 1,26,300 |
Kotak Mahindra Bank Personal Loan
Key Highlights:
- Minimal paperwork
- Competitive interest rates and convenient repayment options
- Hassle-free and quick loan disbursal
| Interest Rate | EMI | Foreclosure/Prepayment Charges | Repayment |
10.50% onwards |
Rs.2,149 |
5% of the outstanding amount of principal as per reducing balance method on the repayment date |
Rs.1,28,963 |
Tata Capital Personal Loan
Key Highlights:
- Easy and Quick finance at flexible rates of interest
- The loan can be used to finance anything like emergency medical requirements, weddings, etc.
- Flexible EMI options that cater to your requirements, your budget, and your timeline.
| Interest Rate | EMI | Foreclosure/Prepayment Charges | Repayment |
| 11.25% | Rs.2,187 | 4% of the outstanding principal amount plus GST | Rs.1,31,204 |
Personal Loan Eligibility
| Criteria | Salaried | Self-Employed
|
| Age | 21 to 60 years | 22 to 55 years |
Net Monthly Income
|
Rs.15,000 | Rs.25,000 |
| CIBIL Score | More than 750 | More than 750 |
Minimum Loan Amount
|
Rs.50,000 | Rs.50,000 |
Maximum Loan Amount
|
Rs.40 Lakh | Rs.50 lakh |
Documents Required for Personal Loan
Essential documents required for availing Personal Loan are given as follows:
| Requirements | Salaried Individuals | Self Employed
|
| Proof of Identity | Passport, Voter’s ID, Driving License or PAN Card | Passport, Voter’s ID, Driving License or PAN Card
|
| Proof of Residence | Utility bills or Passport | Utility bills or Passport
|
| Proof of Income | Bank statement of salary account for the previous six months | Audited financial statement of the previous two years
|
- Your Recent passport-size photographs and of the guarantors
- Copy of your Passport
- Visa Copy
- Bank Statements
- Your work Email ID or the Email ID of the HR of the company.
- Salary Certificate or salary slips
- Proof of Identity, Residence, Income, and Assets
- NRO/NRE bank statements of the previous 6 Months