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Dhanlaxmi offers personal loans up to Rs.15 lakh to salaried and self-employed individuals above 23 years old. To be eligible for the personal loan, salaried individuals are required to have a minimum monthly salary of Rs.35,000 and self-employed individuals should earn a minimum of Rs.1.8 lakh p.a.
|Age||Minimum of 23 years||Minimum of 23 years|
|Income||Minimum of Rs.35,000 per month||Minimum of Rs.1.8 lakh per annum|
|Work Experience||2 years and above||
|Residential Status||Resident of India||Resident of India|
|Interest Rate||11% p.a.||11% p.a.|
|Loan Amount||Rs.1 lakh – Rs.15 lakh||Rs.3 lakh – Rs.15 lakh|
|Loan Tenure||12 months – 60 months||12 months – 60 months|
Yes, Dhanlaxmi Bank charges a processing fee of 2.5% + GST of the loan amount as the processing fee, subject to a maximum of Rs.1,250.
You will have to submit your pay slips, bank statements, IT returns of the last 2 years, Form 16, etc.
You can change the date of your EMI cycle by writing to the bank or making a request at the bank branch. However, you will need to pay a fee of Rs.200 to chance the EMI cycle.
Yes, you can foreclose your loan after a certain period that is based on the terms and conditions set by the bank. However, will have to pay foreclosure charges of Rs.200 + GST.
Using your Dhanlaxmi Bank net banking account, you can check the status of your personal loan.
A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.
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