Instant Online Personal Loan in Dehradun

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How it Works!

Quikkloan made the effortless process for the customers. Apply Personal Loan Online, Compare the best personal loan offer from the various Banks & NBF, upload the documents online, get disbursal in 24Hrs.

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Group 12261  Eligibility Criteria
Salaried Individuals between 21 to 58 years, Minimum Net Monthly Salary of Rs. 20,000 and Employed for at least 1-2 years

Group 12265  Get ready with Documents
PAN & Aadhaar Card, Latest 3 month Bank statement, Two latest salary slip / latest Form 16, Cancelled Cheque

Group 12264  Get Disbursal in 1 Day*
Personal Loan up to 25 Lakh, Instant approval and Fast Disbursal through Partnered Banks / NBFC, No Collateral and Minimum Documentation

Top Banks

Offering Lowest Personal Loan Interest Rates in Dehradun

 

Lenders

Interest Rates

Loan Amount

Tenure

Processing Fee

Apply Online

SBI

9.60% to 13.60% per annum

Up to 15 Lakh

Up to 5 Years

Nil – 1% of the Loan Amount + GST

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ICICI 

11.25% to 22.00% per annum

Up to 20 Lakh

Up to 5 Years

Up to 2.25% of loan amount+GST

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HDFC

10.75% to 21.30% per annum

Up to 15 Lakh

Up to 5 Years

Up to 2.50% of the loan amount

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Axis Bank

12%-24% per annum

Up to 15 Lakh

Up to 5 Years

As applicable by the bank

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Kotak Bank

10.99%-24% per annum

Up to Rs.15 Lakh

Up to 5 Years

Upto 2.50% of loan amount + GST

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YES Bank

10.99% per annum

Up to Rs.40 Lakh

Up to 5 Years

Up to 2.50% of the loan amount +GST

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Tata Capital

10.99% per annum

Up to Rs.25 Lakh

Up to 6 Years

Up to 2.50% of the loan amount+GST

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IDFC Bank

As applicable by the bank

Up to Rs.25 Lakh

Up to 5 Years

3.50% of the loan amount

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IndusInd Bank

11.25% per annum

Up to Rs.15 Lakh

Up to 5 Years

Up to 2.50% of the loan amount+GST

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DCB Bank

10.22% per annum (one year MCLR)

Up to Rs.5 Lakh

Up to 5 Years

2% of the loan amount+GST

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Bajaj Finserv

12.99% per annum

Up to Rs.25 Lakh

Up to 5 Years

Up to 4.13% of the loan amount+GST

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Aditya Birla Finance

14%-26% per annum

Up to Rs.50 Lakh

Up to 5 Years

Up to 2% of the loan amount+GST

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IIFL 

16% per annum

Up to Rs.25 Lakh

Up to 5 Years

Up to 2% of the loan amount+GST

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HDB Financials

Up to 36% per annum

Up to Rs.20 Lakh

Up to 5 Years

Up to 2 % of the loan amount

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Fullerton India

12.99%-36% per annum

Up to Rs.25 Lakh

Up to 5 Years

Up to 3% of the loan amount

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Personal Loan Eligibility in Dehradun

 

Eligibility Criteria

Salaried

Self-employed

Minimum Age

21

24

Maximum Age

58

65

Minimum Income

Rs.35,000 monthly

Rs.2 lakh(annual)

Credit/Cibil Score

Above 750(out of 900)

Above 750(out of 900)

Minimum Job/Business Stability

1-2 Years

2-3 Years

Minimum Work/Business Experience

1-2 Years

3 Years

Minimum Profit After Tax

NA

Rs.1-2 lakh(annual)

Personal Loan In Dehradun At A Glance

 

Particulars

Details

Interest Rates

Starting at 10.99% per annum

Loan Amount

From Rs 1,00,000-Rs.25,00,000

Tenure

Up to 5 Years

Processing Fee

1.50%-2.50% of the loan amount+GST

Minimum Monthly Income

Rs.35,000

Cibil Score

Above 750 (out of 900)

Prepayment/Foreclosure Charges

2%-6% of the principal outstanding +GST

Personal Loan in Dehradun?

A personal loan is a short-term loan which could be used for any legitimate purpose. You won’t be required to pledge any form of collateral or security. It can be used to meet immediate personal expenses with instant approval and disbursal of the loan amount.  A personal loan has several advantages including relatively simple documentation, flexible loan tenures and no restrictions on how you use the money.

 

This loan comes in handy to meet multiple needs such as:  

  • Medical Emergencies
  • Wedding Expenses 
  • Debt Consolidation
  • Home Renovation/Extension
  • Higher Education
  • Travelling Expenses
  • Purchasing High End Consumer Durables Value

How to Apply for Personal Loan in Dehradun?

You can apply online for a personal loan in Dehradun. The online process is really easy and fast hence leads you to a hassle-free journey. You just need to follow a few simple steps such as- send an application online, receive quotes, submit the required KYC documents and finally get instant approval and disbursal of the loan amount in your bank account. These days, many reputed lenders offer an online facility, wherein applications can conveniently apply for this unsecured loan online in Dehradun and get the funds to fulfill their multiple financial needs. 

 

Steps to Apply for Personal Loan in dehradun

Step 1: Fill Loan Query Form

Step 2: Get the Quotes

Step 3: Submit the Required Documents

Step 4: Get Instant Approval & Disbursal

CIBIL Score Required for Personal Loan in Dehradun

750 or above out of 900 is the minimum score that one should have to enjoy a hassle-free personal loan journey. Make sure your cibil score should always be in a good state as it creates a positive impression of your credit profile in front of the lenders. A good score is an indication that your credit profile can be trusted as far as loan repayments are concerned. And, if lenders offer a personal loan without security/collateral as it is an unsecured loan, the first eligibility factor that they consider is the cibil score.   

After all, a fair score is a reflection of timely repayments hence a borrower can be trusted when it comes to repaying the loan. Thus, make sure your three-digit numeric summary should always be in a better state and as it helps in grabbing the best personal loan deal.

Minimum Salary Required to Avail Personal Loan in Dehradun

If you live in Dehradun and are looking for a personal loan, it would be important for you to know the minimum salary required. In Dehradun, the minimum salary of an individual should be Rs.35,000 to get a personal loan. Dehradun, being a hub of training institutes, has a lot of working professionals who work in Indian Armed Forces. Thus, their minimum salary should also be good to meet the basic needs. So, make sure you meet the minimum income criteria to get a personal loan easily.

Personal Loan EMI Calculator

A big confusion is going on in your mind related to EMI? Don’t worry as a personal loan EMI calculator online takes all your worries away. This smart, easy-to-use and secure device lets you know the accurate calculations of your EMIs in the fastest manner. This tool will churn out the values for you, the moment you enter:

    • Loan Amount
    • Tenure
    • Interest Rate

Soon you enter the credentials above, the device with its well-designed algorithms fetches the exact values of not only your monthly installment but Interest Outgo and Total Amount Payable also. Hence, ensures that you take a calculative decision as far as availing a loan is concerned. 

Let’s take the help of an example and understand the functioning of the device below. 

Suppose, a person has taken a loan of Rs. 16 lakh at an interest rate of 16.50% per annum for a tenure of up to 5 years. What would be the exact amount of EMI, he needs to give away to his lender every month? Know by looking at the EMI table below. 

 

 

Table Showing EMI, Total Interest Outgo, Total Repayment (Interest + Principal)

Loan Amount (in Rs.) Interest Rate(per annum) Tenure (in Years) EMI (in Rs.) Total Interest Amount(in Rs.) Total Amount=Principal +Interest (in Rs.)
16,00,000 16.50% 1 1,45,548 1,46,579 17,46,579
16,00,000 16.50% 2 78,724 2,89,370 18,89,370
16,00,000 16.50% 3 56,647 4,39,292 20,39,292
16,00,000 16.50% 4 45,755 5,96,250 21,96,250
16,00,000 16.50% 5 39,335 7,60,114 23,60,114

Table Showing Principal, Interest and Balance Amount

Years Principal (in Rs.) Interest(in Rs.) Balance Amount(in Rs.)
1 Year 2,24,498 2,47,524 13,75,501
2 Years 2,64,474 2,07,548 11,11,027
3 Years 3,11,568 1,60,454 7,99,458
4 Years 3,67,049 1,04,973 4,32,409
5 Years 4,32,942 39,614 0

Personal Loan Fee & Charges

Your personal loan journey comes with charges like processing fee, prepayment and part payment. At the time of availing the loan, it is mandatory for an individual to pay the processing fee to the lender. It is a non-refundable, one-time fee which is compulsory for a borrower to pay, While prepayment and part payment charges are optional. If an applicant opts for any of such facilities, only he needs to bear the charges related to it. 

 

Apply for Personal Loan in Dehradun

Nestled between the river Ganges on the east and the river Yamuna on the West, Dehradun is the fastest growing capital city in the state of Uttarakhand. Being a host to multiple training institutions like Indian Military Academy, ITBP Academy, etc., the city has a significant contribution of government servants. With its good per capita income and strong economic growth, multiple financial institutions are enlarging their business by providing financial products to their customers. A personal loan in Dehradun can be borrowed for multiple purposes- be it paying for a medical bill, starting your own business, covering wedding expenses etc.

For obtaining a personal loan with ease, there are multiple factors which you should keep in mind before you apply for it such as, a good credit score, adequate monthly income, meeting minimum age requirement, reputation of the company you work for etc.

Feature & Benefit Of Personal Loan

The Best feature and benefit Of a Personal loan 

Competitive Interest Rates: An instant personal loan comes at an attractive interest rate which means pocket-friendly EMIs hence a less personal loan burden. Interest rates and EMIs are directly proportional thus the lower rates you have, the better it is for you.  

Speedy Approval & Disbursal: This unsecured loan can be availed instantly and the loan amount will be disbursed quickly in the bank accounts. If your personal loan eligibility matches with the lender, it is no more a hassle for you to get speedy approval. And once you get the approval, expect to get a faster loan disbursal.    

Easy Process: Your personal loan online process is quite easy. Yes, in just a few simple steps, you can apply for a loan and get the required loan amount quickly in your respective bank account. The process is really simple hence is preferred by many borrowers. 

Complete Credit Assessment: Not many lending marketplaces provide a complete credit assessment to the borrowers. The process includes doing the complete assessment of a borrower’s credit profile. The lenders thoroughly go through the profile of an applicant and evaluate the same on many factors. Yes, factors like cibil score and credit history are well assessed and ensure that the right profile reaches the right lender. Hence, lower chances of personal loan default. And, Quikkloan is one such reliable marketplace that offers a complete credit assessment to the borrowers ensuring the right profile reaches the right lender.         

Flexible Loan Repayment Tenures: An instant personal loan in Dehradun comes at easy repayment tenures. Yes, with a loan repayment tenures ranging between 1 year to 5 years, it would be easy for you to repay your loan without feeling the burden.  

Minimal Fees & Charges: Another reason that makes personal loan a preferred choice is the minimal fee and charges. The fee and charges being involved in the process are nominal thus an easy personal loan journey.   

Minimal Documentation: While availing an online personal loan in Dehradun, you simply need to submit the required KYC documents. With a few documents, expect to get a loan and enjoy a hassle-free personal loan journey. 

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Documents Required For Personal Loan

Mentioned are the personal loan documents for salaried and self-employed.

 

 

Group 13142 Complete Online Application

Fillup the Online loan Application in just 2 minutes

 

Group 13143Provide Identity Proof

Voter id/ Passport/ Driving License / Aadhaar Card

 

Group 13144 Address Proof

Aadhaar /Passport/ Telephone or Electricity Bill/ Ration Card

 

Group 13145Bank Statement

Latest 3 Months Bank Statement or Passbook

 

Group 13147Income Proof

For Salaried – Latest 3-month Salary Slip

                    For Self Employed –  ITR and Current Bank Statement of 3 months

Frequently Questions

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How much I can avail in a personal loan?

A loan amount of between Rs.1,00,000 to Rs.25,00,000 lakh can be availed by an individual to meet various personal needs.

In how many years I can repay my personal loan?

A borrower can repay his loan in tenure of up to 5 years.

How Can I repay my loan?

The repayment of the loan can be done via EMIs. Stands for Equated Monthly Installments, a borrower can easily repay his loan via EMIs.

What happens if I miss my EMIs?

If you miss an EMI, a late payment charge will be applicable and penal interest might be charged. However, missing an EMI puts you in a defaulter’s list, which of course will harm your financial journey.

How my loan amount will be disbursed?

Soon after the loan amount is approved, the amount gets disbursed instantly in your respective bank account. 

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