Personal Loans are given by most major banks and financial institutions to individuals without asking for the requirement or need in Bathinda. They are unsecured loans given from Rs. 50,000 to Rs. 40,00,000 which means that you need not mortgage anything or show an asset. Some reasons for availing a Personal Loan in Bathinda include medical needs, travel, home renovation, wedding, good purchases and so on. Other reasons for which a loan can be availed is to get a top-up loan, balance transfer or debt consolidation.
If you need a Personal Loan in Bathinda, you must have a good credit history and adequate salary to get your personal loan sanctioned with a Bank or an NBFC in Bathinda. Other factors like years of employment, company you work for etc will determine the most important factors like amount, tenure and rate of interest. Some of the banks in Bathinda give you the flexibility to pre-close the loan without any additional charges. Most banks have a pre-closure charge in the 4%-5% range.
Bathinda situated in the north-western Indian state of Punjab, known as "city of lakes", "education centre of Punjab" is the administrative capital of Bathinda district. The city was named after the Bhati kings and is one of the oldest cities in Punjab. The modern administration of the city is through 50 wards each represented by elected counsellors. The economy of the city is mainly from its cement industry with units like National Fertilizers, Ambuja Cements and UltraTech Cement Limited. The other source of economy is from agriculture of crops like wheat, rice, cotton, sugarcane, pearl millet, maize and barley. The city is known as an educational city which includes institutions like Central University of Punjab, Maharaja Ranjit Singh State Technical University, Institute of Hotel Management, B.R. Mahendra Polytechnic College, Zee Institute of Creative Art, Lovely Professional University etc. Bathinda has places to visit for religious tourists and casual visitors like Bathinda Lake, Takht Sri Damdama Sahib, Rose Garden, Qila Mubarak, Bathinda Fort, Chetak Park among others.
Multiple banks and NBFCs have branches across the vast city of Bathinda in general. Most provide full service operations in the city with may branches catering to customers with a requirement of personal loans and business loans. Apart from this they also provide the whole bouquet of services including core banking, commercial lending, asset management, investments etc.
We do not take a fee or commission from your amount when you apply for personal loan online in Bathinda through us. We ensure that you get the best deal for personal loan in Bathinda by comparing your details against the eligibility criteria of various banks and NBFCs. Check out our different sections on EMI calculator, CIBIL calculator, Eligibility calculator to find out more about how will be able to get the lowest interest rates for personal loan in Bathinda. We help process requirements in every area across the city of Bathinda. You can get instant personal loan online approval in Bathinda provided you meet the right criteria for a bank or NBFC. Every step will completed as per you convenience with documents collected from your doorstep. Personal loan agents in Bathinda will help you apply with a limited set of banks and might not be able to get you’re the best deal for personal loan. So apply for personal loan online through our site and we will check your ability to get the lowest interest rate for personal loan in Bathinda.
Eligibility Criteria for Personal Loan in Bathinda
Age of the applicant should be between 21-60 Years
Salaried individual with minimum income of Rs 15,000. Salary bracket would depend on the city you live in and the company you work for. Eg. If you are in a Metro, the salary requirement will be higher than non-metro and if you are working in a top MNC, the salary requirement would be lesser than one working with a new company.
Should be staying in the city for at least 1 Year
Total work experience should be at least 2 Years
Basic documentation such as KYC, latest bank statements etc are required
Be informed of the different ways your Personal Loan Rate of Interest in Bathinda is calculated so that you take the right decision when it comes to choosing your loan at the lowest interest rates. Apply below to get started and to know the offers that are available on your Personal Loan in Dec 2018
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