Personal Loan in Siliguri

Salaried Self-Employed

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Minimum Loan amount is Rs.15,000 !

Maximum Loan amount is Rs.75 Lakhs !

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Salary should be Minimum Rs.10,000!

Salary should be Maximum Rs.10 Crores !

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Minimum Turnover Should Be Rs. 3 Lakhs!

Turnover Limit Exceeded !

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Interest rate start 10.75% * Upto 40 Lacs
Loan Duration: 12 – 60 months*

Enter Loan amount!

Minimum Loan amount is Rs.15,000 !

Maximum Loan amount is Rs. 75 Lakhs!

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Enter Your Monthly Salary!

Salary should be Minimum Rs.15,000!

Salary should be Maximum Rs.10 Crore!

Enter Your Turnover!

Minimum Turnover Should Be Rs. 3Lakhs!

Your Turnover Limit Exceeded!

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Interest rate start 10.75% * Upto 40 Lacs
Loan Duration: 12 – 60 months*

4.5 /5(500 Votes)

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.

FAQ’s

The age criteria to apply for Personal Loan in Siliguri ranges from 21 to 60 years and 25 to 65 years respectively for salaried and self-employed individuals.
The minimum credit score for personal loan eligibility in Siliguri is 750 or above.
The processing fees for Personal Loan in Siliguri is different for different banks. Usually, it ranges up to 2.55% to 3%.
*Interest rate and Loan approval are subjected to band discretion and approval.