Multiple banks. Different interest rates. Call it a "conflict of interest".
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    Stop Being Stringent to be Extravagant this Diwali Just take a Personal Loan

    Diwali marks the beginning of a new year. It signifies a fresh start which is often celebrated with friends and family get-togethers, sweet distribution, rituals, crackers, shopping and a grand meal. The festive season brings with it its own expenses and a big shopping list from loved ones. While saving in advance for this festive season is ideal, many face financial crisis even before the festival kick starts. Take advantage of personal loans offered by many leading banks instead of saving every penny to only spend it later. Banks and financial institutions are aware that many would need financial assistance during this season and start rolling out offers. They reduce interest rates, provide discounts and even distribute goodies and welcome kits to attract customers. If you do not have the necessary funds to fulfil all your Diwali wishes, personal loan is the best answer. But what are the advantages of availing a personal loan during a festive season? Let see:

    Say no to hefty fees and charges:

    During festive season, banks reduce their fees and charges or completely waive them off. Many banks charge nil processing or foreclosure fee during Diwali. If you are availing a higher loan amount, these charges can be quite taxing. While comparing personal loan offers, make sure you read about the fees and charges. We often ignore the small table of fees while researching about personal loans as they are boring but know that it makes a difference.

    You can choose:

    During festive season, many banks offer exciting personal loan offers knowing that many will be in need of financial assistance. Every bank wants to attract many customers and meet their personal loan sales quota and thus rolls out flexible and affordable personal loan deals.

    Reduced interest rates:

    Most banks reduce their interest rate on personal loans during Diwali season to expand their customer database and reach their personal loan disbursement target. While applying for a personal loan, choose a bank that offers the lowest interest rate with minimal fees and charges.

    Pay back at ease:

    Banks decide the tenure of your loans based on the type of loan you have applied for, you repayment capacity and many other factors. If the maximum tenure of the loan is 5 years, during festivals like Diwali, banks extend the payback period to disburse many personal loans. Banks functions on the number of loans they have disbursed and the interest they obtain out of it. So, if you are planning to apply for a personal loan this Diwali, you can be sure to get a good tenure period.

    Get a lump sum amount:

    The sum amount sanctioned by banks differs from loan to loan. Every loan has a minimum and maximum amount. The amount that can be approved by banks for different loans varies and usually personal loans have high upper limit. The amount that is approved of a car depends on the on road price of the car. Usually banks contribute 90% on the on road price of the car but when it comes to a personal loan, banks offer high loan amount. After business loan, personal loans always attracts high loan amount, off course, based on your eligibility.

    Feel gifted, literally:

    During festive season, banks and other lending institutions offers attractive gifts and goodies to their customers. The festival of lights spreads the joy of giving and manufacturers and banks also follow it. Don’t be surprised if the bank gives you a greeting card with seasonal wishes. Many leading banks in India host contests like lucky dip and gift their lucky customer with cars, bikes or electronic gadgets. You can always expect a scratch card from the manufacturer when you use your personal loan for shopping.

    Save time:

    During Diwali, banks disburse loan faster than ever before. Why? Because they have sales target too! Avail a personal loan during festive season and save time on the loan process. What usually takes 15 days will be done in a week's’ time during festive season. Banks alert their executives to collect documents faster, process it immediately and sanction it as soon as possible as they are very well aware that you have ample of loan offers you can easily switch to.

    Get Rs.1000 Amazon Gift Card and Rs.1000 Goibibo Gocash this Diwali

    Apart from perks you get from banks, retail stores and manufacturers, many leading websites offer you exciting offers. One such website is BankBazaar not only lets you compare personal loans from various banks and gives you a detail information about each loan offer, they also come up with attractive offers for customer availing a personal loan through its website. To celebrate Diwali with customers, BankBazaar has launched Dhamal Diwali Flash sale and offer attractive discounts to their website users from 6th of October to 30th of October. You can get Rs.1000 Amazon Gift Card plus Rs.1000 Goibibo Gocash absolutely free when you avail a personal loan through BankBazaar from its select partner banks like Capital First, Citibank, HDB Financial Services, ICICI Bank, Indusind Bank, Kotak Mahindra Bank, Tata Capital Limited, Standard Chartered Bank.

    Will you be eligible to avail a personal loan?

    The first question after deciding to avail a personal loan is if you are eligible. To make this process easy for you, has an online eligibility calculator. It only takes few seconds to key in few information about yourself like you gender, existing loan if any, salary details etc. to know the maximum loan amount that you are eligible to avail and the adjoining banks ready to offer that deal.

    You don’t have to be a spendthrift for a year to spend lavishly on Diwali, just take a personal loan. Happy Diwali to you!

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