Apply Personal Loan Online Upto Rs. 25 Lacs
Details on Personal Loan
Personal Loan in Bihar
Overview of Personal Loan in Bihar
Personal Loan in Bihar is an unsecured loan. It is very easy to avail Personal Loan in Bihar. To get the personal loan in Bihar you don’t have to mortgage any of your property as because it is completely unsecured loan.Unsecured Personal Loan in Bihar will help you to every way to fulfill all your dreams. You can use Personal Loan in Bihar to buy kitchen appliances, electronic goods, home renovation, wedding, child education, holiday etc. You can go for Personal Loan in Bihar online so your rate of interest will be lower than normal. You can’t avail Personal Loan in Bihar without CIBIL check. Personal Loan in Bihar without CIBIL Check is only possible if you have maintained a good CIBIL Score over the time. Personal Loans in Bihar offers amount from Rs. 25,000 to Rs. 25, 00,000 for tenure of five years. You also can avail Easy Personal Loan in Bihar with minimal documents. It is impossible to avail Personal Loan for unemployed in Bihar. But if you are a salaried person you can easily go for Personal Loan for salaried in Bihar with low interest rates. To get a Personal Loan in Bihar with lower interest rate you must maintain a good CIBIL score. Because Personal Loan for low CIBIL Score in Bihar is offered higher interest rates.
Why you should opt for Personal Loan in Bihar?
Bihar is an agriculture based state. There is also a small industrial sector. Bihar is building their economy with agriculture and industry. With the help of Personal Loan in Bihar you can buy high tech home applications, electronics with competitive interest rates. Both salaried and self-employed can avail Personal Loan in Bihar. Personal Loan in Bihar is offered by many lending institutions of India which includes Bank and NBFC both in lowest interest rates. In addition to that, they provide money lenders loans in Bihar, private finance loans in Bihar, cash loan in Bihar, immediate cash loan in Bihar, Personal Loan by Private financer in Bihar, instant Personal Loan in Bihar, Personal Loans in Bihar are different kinds of Personal loans in Bihar.
Here are some points that why you should go for Personal Loan in Bihar.
- You do not have to mortgage any of your security to avail a Personal Loan in Bihar
- You do not need any guarantor at Personal Loan in Bihar
- Personal Loan in Bihar comes with lower interest rates, the processing fees are minimum and no hidden charges.
- You can check your Personal Loan in Bihar application status and your Personal Loan in Bihar eligibility just in a second from home by just clicking a button from your home or office.
- You can repay your Personal Loan in Bihar from 12 months to 60 months
- You can avail Personal Loan in Bihar up to Rs. 25 lakh (varies).
- To avail a Personal Loan in Bihar you don’t need give a purpose to any institutions. There is no specific purpose to avail a Personal Loan in Bihar.
- In your emergency needs you can easily avail instant Personal Loan in Bihar, cash loan in Bihar or immediate cash loan in Bihar.
- If you are self-employed you can easily avail Personal Loan for Self-employed in Bihar.
Eligibility Criteria for Personal Loan in Bihar
It is not much hard to avail Personal Loan in Bihar you just need minimum eligibility to avail a Personal Loan in Bihar. You must maintain a good Credit score to avail Personal Loan in Bihar. If you are applying for Personal Loan in Bihar at a younger age you have chance to make your interest rate lower.
Here is the eligibility criteria for Personal Loan in Bihar.
|
Personal Loan in Bihar Eligibility Criteria |
Salaried |
Self-Employed |
|
Age |
21-60 years |
25-65 years |
|
Income |
Min- Rs. 20,000 or Rs. 25,000 |
Min Turnover- Rs. 1 crore |
|
Profession |
Working in MNCs, private sector or government organization |
Business Professionals, private or public ltd. companies, partnership firms etc. |
|
Work Experience |
Minimum 2 years of experience with at least 1 year in the present company |
Business Continuity for a minimum of 3 to 5 years |
|
CIBIL score |
750 or above |
750 or above |
|
Loan Amount |
Up to Rs. 25 lakhs (different for various financial institutions) |
Up to Rs. 30 lakhs (varies according to the financial institution) |
Documents required for Personal Loan in Bihar
Following are the common set of documents which you need to submit while applying for Personal Loan in Bihar-
- Duly filled application form.
- Passport size photograph.
- ID proof- PAN card, AADHAR card, Driving License.
- Residential proof- Any latest utility bill like Electricity bill, Gas bill, Passport.
-
For Salaried Individuals
- Bank Statement of the last 6 months.
- Copy of Form 16 and Receipt of Income Tax.
- Salary slip of last 3 months.
-
For Self-employed
- ITR copy of the past three years.
- Verified copy of Partnership Deed/Memorandum and Articles of Association/ Trade License/Sales Tax Certificate
- Copy of Profit & Loss statement, Balance Sheet of last 2 years
Interest Rates for Personal Loan in Bihar of different Financial Institutions
Following are some of the financial institutions which offer Unsecured Personal Loan in Bihar online at an attractive interest rate
|
Banks |
Loan Tenure |
Interest Rates |
Pre-Closure Charges |
Processing Fees |
|
HDFC Bank Personal Loan in Bihar |
1-5 years |
10.99%*-21.25%* |
Between 2% to 4% of the outstanding principal. |
Up to 2.50% |
|
ICICI Bank Personal Loan in Bihar |
1-5 years |
11.49%* |
5% of outstanding principal + GST |
0.99% to 2.25% |
|
YES Bank Personal Loan in Bihar |
1-5 years |
12.49%* |
Within 12 to 24 months: 4% Within 24 to 36months: 3% Within 36 to 48 months: 2% After 48 months :No charges. |
2% or 3% of the principal |
|
Bajaj Finserv Personal Loan in Bihar |
1-5 years |
14.25%* |
NIL |
Up to 3% |
|
Kotak Mahindra Bank Personal Loan in Bihar |
1-5 years |
11.50%* |
5% of outstanding principal. |
Up to 2.5% |
|
Axis Bank Personal Loan in Bihar |
1-5 years |
15.50%* |
NIL |
Up to 2.00% |
|
IndusInd Bank Personal Loan in Bihar |
1-5 years |
14%* |
4% of outstanding principal |
Up to 2.50% |
|
Capital first Personal Loan in Bihar |
1-5 years |
16%* |
4% of outstanding |
Up to 2.49% of the loan amount |
|
Aditya Birla Capital Personal Loan in Bihar |
1-5 years |
11.75%* |
4% of principal outstanding in 1st year, 3% in the 2ndyear, and thereafter pre-closure Permitted after 6 months. |
1% of principal. |
|
IDFC First Personal Loan in Bihar |
1-5 years |
10.99%* |
4% of outstanding |
2% -4% |
|
Indiabulls Venture Capital Personal Loan in Bihar |
1-5 years |
11.99%* |
5% if less than 6 Months. |
Up to 5% |
|
SBI Personal Loan in Bihar |
1-5 years |
12.50%*-16.60%* |
3% of the prepaid amount (after 1stEMI) |
Up to 3% of the loan amount |
|
Fullerton India Personal Loan in Bihar |
1-5 years |
17.25%* |
4% of outstanding Principal. |
Up to 2% |
|
TATA Capital Personal Loan in Bihar |
1-6 years |
13.99%* |
4.5% of the outstanding principal. And NIL for the initial 6 months |
Up to 2% |
|
ECL Finance Personal Loan in Bihar |
1-5 years |
17.50%* |
4% of principal amount outstanding +GST |
Up to 2% of the loan amount |
*Interest rates change time to time.
