Apply Personal Loan Online Upto Rs. 25 Lacs
Details on Personal Loan
Personal Loan in Siliguri
Overview of Personal Loan in Siliguri
Personal Loan in Siliguri is undoubtedly the best possible financial support in case of any financial crunch. You can use Easy Personal Loan in Siliguri to satisfy almost any requirement – medical expenses, wedding costs, child’s educational cost, house reconstruction and much more. Instant Personal Loan in Siliguri requires simple paperwork, flexible EMIs with repayment tenure up to 60 months. Personal Loan in Siliguri requires no security, so it is a unsecured Personal Loan in Siliguri. There are many Personal Loan providers in Siliguri which offers Personal Loan in Siliguri at an attractive interest rate. For Personal Loan low interest rate in Siliguri, you must have a disciplined repayment practice which will give your high credit score. But for a low cibil score Personal Loan in Siliguri, the interest rate charged will be high.
Why you should opt for Personal Loan in Siliguri?
Siliguri, the ‘Gateway of Northeast India’ is a metropolis city located in areas of Jalpaiguri and Darjeeling districts of West Bengal. Siliguri is one of the significant commercial & business hub and is one of the biggest tourism spot. So, with increasing standard of living, people are in need of high finances which is satisfied by Personal Loan in Siliguri. You can either take help of personal loan agent in Siliguri or can check online for Personal Loan in Siliguri details. You need to have a stable income source with good repaying history and good CIBIL score for Personal Loan low interest rate in Siliguri.
Here are some points as why you should opt for Personal Loans in Siliguri-
- In case of any emergency requirement of cash, fast Personal Loan in Siliguri is a saviour.
- Personal Loan in Siliguri for self-employed and Personal Loan in Siliguri for salaried individuals helps in solving the financial needs of both salaried and self-employed individuals.
- Online Personal Loan in Siliguri makes your loan experience very easy and user friendly.
- Easy Personal Loan in Siliguri involves minimum paperwork, fast loan approval and disbursal with flexible repayment option up to 5 years.
- Unsecured Personal Loan in Siliguri requires no guarantor or collateral to secure the loan, so the interest rate charged is high.
- You can apply for Personal Loan in Siliguri at lowest interest rate by comparing personal loan interest rates in Siliguri of different banks.
Eligibility Criteria for Personal Loan in Siliguri
For low interest rate Personal Loan in Siliguri, you need to fulfill the eligibility criteria which is very minimal. You need to maintain CIBIL score of 750 or above and a decent income level. Also, you need to know that the younger you apply for Personal Loan in Siliguri, the lower interest rate will be charged because of higher repaying capability.
Different banks and NBFCs require different eligibility criteria, but following are the common eligibility criteria for Personal Loan in Siliguri-
|
Personal Loan in Siliguri Eligibility Criteria |
Salaried |
Self-Employed |
|
Age |
21-60 years |
25-65 years |
|
Profession |
Works in private sectors, MNCs or any govt organization |
Business Professionals, partnership firms, sole propritership firms,publicor private ltd. companies,etc. |
|
Income |
Minimum- Rs. 20,000 |
MinimumTurnover- Rs. 1 crore |
|
Work Experience |
Minimum 2 years of workingexperience with at least 1 year in the present company |
Business Continuity for at least of 3 years |
|
CIBIL score |
750 or above |
750 or above |
|
Loan Amount |
Up to Rs. 25 lakhs (varies for various banks and NBFCs) |
Up to Rs. 30 lakhs (differs according to the financial institutions) |
Documents required for Personal Loan in Siliguri
Following are the common set of testimonials required to apply for Personal Loans in Siliguri-
- Personal Loan Application Form
- Passport size photo
- ID proof- AADHAR Card, Ration Card, PAN Card.
- Address Proof- Driving License, Passport, Utility Bills like- Gas or Water or Electricity Bills
-
For Self-Employed
- Balance Sheet and Copy of Profit & Loss statement of past 24 months
- Verified papers of Trade License/Partnership Deed/Memorandum and Articles of Association/Sales Tax Certificate
- ITR copy of last 3 years.
-
For Salaried
- Past 3 months salary slip.
- Last 6 months updated bank account statement.
- Form 16.
Personal Loan Interest Rates in Siliguri of different Financial Institutions
You can easily get Personal Loan in Siliguri by checking and comparing the Personal Loan interest rates in Siliguri of all banks and NBFCs-
|
Banks |
Loan Tenure |
Interest Rates |
Pre-Closure Charges |
Processing Fees |
|
IndusInd Bank Personal Loan in Siliguri |
1-5 years |
12.99%* |
4% of outstanding principal |
0.25% to 2.50% |
|
YES Bank Personal Loan in Siliguri |
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 |
|
Axis Bank Personal Loan in Siliguri |
1-5 years |
15.50%* |
NIL |
Up to 2.00% |
|
ICICI Bank Personal Loan in Siliguri |
1-5 years |
11.49%* |
5% of outstanding principal + GST |
Rs. 999* |
|
Bajaj Finserv Personal Loan in Siliguri |
1-5 years |
14.75%* |
NIL |
Up to 3% |
|
Capital first Personal Loan in Siliguri |
1-5 years |
16%* |
4% of outstanding |
Up to 2.49% of the loan amount |
|
Kotak Mahindra Bank Personal Loan in Siliguri |
1-5 years |
11.50%* |
5% of outstanding principal. |
Up to 2.5% |
|
SBI Personal Loan in Siliguri |
1-5 years |
12.50%*-16.60%* |
3% of the prepaid amount (after 1st EMI) |
Up to 3% of the loan amount |
|
Aditya Birla Capital Personal Loan in Siliguri |
1-5 years |
11.75%* |
4% of principal outstanding in 1st year, 3% in the 2nd year, and thereafter preclosure permitted after 6 months. |
1% of principal. |
|
HDFC Bank Personal Loan in Siliguri |
1-5 years |
10.99%* |
Between 2% to 4% of the outstanding principal. |
Up to 2.50% |
|
Fullerton India Personal Loan in Siliguri |
1-5 years |
17.25%* |
4% of outstanding principal. |
Up to 2% |
|
Indiabulls Venture Capital Personal Loan in Siliguri |
1-5 years |
11.99%* |
5% if less than 6 months. |
Up to 5% |
|
TATA Capital Personal Loan in Siliguri |
1-6 years |
13.99%* |
4.5% of the outstanding principal. And NIL for the initial 6 months |
Up to 2% |
|
IDFC First Personal Loan in Siliguri |
1-5 years |
10.99%* |
4% of outstanding |
2% – 4% |
|
ECL Finance Personal Loan in Siliguri |
1-5 years |
17.50%* |
4% of principal amount outstanding+GST |
Up to 2% of the loan amount |
*Interest rates change time to time.
