Know how to get personal loan from bank {online+offline}!  How to take personal loan from bank? 

how to get personal loan from bank? Know how to get loan from bank {online+offline}! How to take personal loan from bank?  How to get online personal loan from government bank 10000 loan, 20000 loan and 50000 loan

 

Know how to get personal loan from bank {online+offline}!  How to take personal loan from bank? 

How to get personal loan from bank :- Sometimes there comes a time in our life when we need money very much.  In such a situation, we go to any of our friends, close relatives or our family members, who can help us in this time.

  But sometimes in such critical situations if none of these are able to help you, then that time becomes more difficult for you.  In such a situation, you can take a personal loan from the bank, which is a good option to get money in case of your emergency.

  That’s why today in this post we have for you “How to get loan from bank {online+offline} Know! How to take personal loan from bank?”  Have brought complete information about

  However, in today’s modern era, you get to see many such advertisements, which give personal loan i.e. personal loan at very low interest rate.  Here how do we take a personal loan from the bank?  Complete information related to this is being provided online and offline.

   Along with this, complete information has also been given about the interest rate, eligibility and documents required to take the loan on taking a personal loan.

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What is Personal Loan

What is Personal Loan: – Along with depositing money of people by banks and various types of financial institutions, the amount given in the form of loan or loan to fulfill many purposes is called Personal Loan or Personal Loan.

   However, it is not necessary to have any specific reason for taking a personal loan.  Actually you can take this Personal Loan to fulfill the need of any things in your life.

   The most important thing is that you can voluntarily use the money you get from the bank to get an online personal loan for any purpose.  While this is not the case with any loan other than a personal loan, they must necessarily fulfill the purpose for which their loan is taken.

  You can use the money received under Personal Loan for your house construction, marriage, children’s education, purchase of home appliances and medical etc. 

 

Documents Required for online Personal Loan from Bank

Documents required to take personal loan from bank online :- You can see the documents required to take personal loan from bank, which have to be submitted, which is as follows:-

  • Proof of Identity (Aadhaar, Passport, Driving License, Pan Card) Aadhar Card + Pan Card
  • Proof of residence (Aadhaar Card, Passport, Residential Certificate)
  • Proof of Income (last 3 months salary slips as well as 3 months bank statement)
  • Passport size photograph
  • mobile number

 

Documents Required for offline Personal Loan from Bank

 If you want to take an offline personal loan from the bank, then you are required to submit some important documents, which you can see below:-

  • Photo Identity Card – Photocopy of Voter ID / Passport / Driving License / Aadhar Card.
  • Proof of Residence – Ration Card / Electricity Bill / Residence Certificate
  • Income proof – copy of your bank statement for the last 6 months
  • Employment Certificate – Certificate of continuous employment of one year

 

Eligibility for taking personal loan from bank

 There are also certain terms and conditions to be followed for taking a personal loan from banks. First of all, the bank customer’s income, employment history and loan repayment ability is assessed by the bank manager. The loan is approved after reviewing all these aspects in various ways.  The eligibility for taking personal or personal loan from the bank is as follows:-

  • The applicant taking the loan should be from the country in which the bank is located.
  • The age of the person taking the personal loan should be between 18 years to 45 years.
  • If you work in a private organization, then your monthly salary should not be less than 15 thousand rupees.
  • If you are a businessman, then your monthly income should not be less than 18 thousand rupees per month.
  • The applicant must have at least 1 year of work experience.

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{Online+Offline} (How to Take Personal Loan From Bank)

How to take personal loan from bank :- You can take personal loan from bank through both online or offline mode, its process is as follows, which you can see below :-

1. How to take offline personal loan from bank? Application Process

How to take offline personal loan from bank :- If you want to apply for offline personal loan from bank, then you can apply for it as follows :-

Step 1.:- First of all your bank account is in whichever bank.  By visiting the branch related to that bank, you will have to talk to the branch manager regarding taking a loan.

Step 2.:- After that you will get your employment, residence, monthly income and various types of information by the branch manager.

Step 3.:- On the consent of the branch manager, he will give you an application form to take the loan.  Which you have to fill properly.

Step 4.:- After filling the form, you have to attach all the important documents i.e. photocopies and submit them to the bank.

Step 5: – After that your residence, income and documents will be verified by the bank employees.

Step 6.:- If the information and documents given by you during the verification are found correct, then they will submit their report to the bank manager.

Step 7.:- After this the loan amount will be transferred to your bank account by the bank manager after approving your loan file for lending.

   In this way you can take an offline personal loan from the bank.

 

2. How to take online personal loan from bank? Application Process

How to take online personal loan from bank: – If you want to apply online for personal loan online from bank, then you can apply for loan online, which you can follow the steps given below :-

Step 1.:- First of all you have to visit the official website of the bank from which you want to take personal loan.

Step 2.:- After that, now the home page will open in front of you, there you will have to click on Personal Loan in the Apply Online section.

Step 3.: – Now a new window will open in front of you, in which many options like Savings Accounts, Home Loans, Personal Loan, Car Loan etc. will be shown.  In those options, you have to click on Personal Loan.

Step 4.:- After that, now a new page will open again, if you are already a customer of the bank, then you can proceed by selecting any one option from Net Banking, Credit Card, Debit Card, Loan Account.  Is.  If you are not a customer of the bank, then you have to click on Skip & Continue as Guest.

Step 5: – Now the application form will open in front of you, which you have to fill properly.  And also documents may have to be uploaded.

Step 6.:- When your loan is approved, the loan amount will be credited to your bank account.  In case of a new customer, the loan amount will be transferred to the account whose details you have mentioned in the application form.

  In this way, you can take a personal loan online from the bank.  You got to know about how to take a personal loan from a bank offline and online in this article here.

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Personal Loan Limit & Interest Rate

Personal loans are provided by banks and non-banking financial companies (NBFCs) to the people to meet their essential needs.  These include house construction, marriage, medical, etc.

    In fact, personal loans fall in the unsecured category and the interest rate in this compared to secured loans ranges from 9 percent to 24 percent.  For personal loan, you can take a loan from Rs 50 thousand to Rs 25 lakh, although some financial companies claim to give personal loan up to 40 lakhs.


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Final word on how to get personal loan from bank

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