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The personal loan is the loaning scheme in which you take the credit from the bank without pledging anything against the loan amount. Thus, making this loaning scheme an unsecured way of taking a loan from the bank. Also, to take this loan your CIBIL needs to be good. In case your CIBIL or credit score is not up to the required mark you won’t be able to get a personal loan no matter what. If you are in urgent need of financial funds, then you should take this loan as the whole procedure is fast and can be completed in a day or two.

About Personal Loan Kolhapur

See Personal loan can solve all your problems whether its requirement of funds to pay your daughter's college fee or to pay your medical bills. Personal Loan can provide you funds as the name suggest this loan can be used for any private purpose making it one of the most versatile loaning schemes of all time. You can avail this loan from your home by applying through online.

The interest rate for Personal Loan Kolhapur

The percentage of interest for a personal loan depends on the individual who is taking credit. It depends on the documents that the applicant has shown and his/her income eligibility. 10.75% is the minimum annual interest rate you can expect on the personal loan. The foreclosure charges range from 2-3% of the total loan amount. You can use this facility and close your loan beforehand and save your money by not paying the remaining Emi’s and their respective interest rate amount.

Eligibility for taking Personal Loan Kolhapur

For the salaried applicant:

  1. Firstly, the age of the applicant should be more than 21 and maximum age to avail this loan is 61.
  2. Also, for the salaried applicant’s monthly income should be at least Rs 18,000.
  3. Likewise, an applicant must have a bank account, and your salary should come to that bank account.
  4. For an availing personal loan, a salaried applicant’s CIBIL needs to be above 750.

For the self-employed applicant:

  1. For the independent applicant, the bank requires a minimum CIBIL score of 750.
  2.  Besides, the applicant’s age to avail this loaning scheme is 25 to 65 years.
  3. Furthermore, the bank requires a business to be running for more at least three years.
  4. The annual turnover of the business should be above 30 Lacs.

Documentation for availing Personal Loan Kolhapur

  1. As a borrower, you need to provide your identity proof to the bank here. Given below are the list of documents which you can use as an identity proof Aadhaar Card / PAN Card/ Voter ID Card/ Passport/ Driving License.
  2. For a salaried applicant, the borrower needs to provide six months of banks statement along with six months of salary receipt.
  3. Likewise, for self-employed applicant bank ask for past 1-year ITR documents and audited financial papers of the business.
  4. You need to have a residential proof. You can use any of the given documents as your residence proof Aadhar card, PAN card, Driving license, voter ID card or your passport.  Utility bills of last three months on the name of applicant/ Rent Agreement in case you are paying rent.


Salaried Individual

Self Employed People

Latest 6-month bank statements

Latest 6-month bank statements

Last 2-months’ salary slips

Last 2 years Balance Sheet

Last 3 year Form 16

Last 3 Years ITR

Photocopy of Pan Card

PAN Card photocopy

Residence & Address Proof

Residence & Address Proof

2 passport size photographs

2 passport size photographs












How does Bank Provide Personal Loan to its customers?

  1. Firstly, you need to apply for the loan via online financial portals such as Paisso and DialaBank.
  2. After that, your loan application gets a transfer to the bank where one of the bank employees will evaluate it.
  3. Also, at this point of time bank will also check your credit score or CBIL score along with your income eligibility.
  4. Once your application meets all the standards bank will decide a loan amount and its respective rate of interest.
  5. Finally, you take the loan amount with you, and the disbursal of the loan takes place.

How to Apply for Personal Loan Kolhapur?

Anybody can apply quickly for Personal Loan online within 2 minutes. The process of application is straightforward and fast.

1.    Visit

2.    After that, ask for a Personal Loan online.

3.    Enter your contact number so that we can contact you back.

Dialabank is one of the best platforms to apply for a personal loan as we provide you all kinds of credit at a very affordable rate of interest.

About Kolhapur

Kolhapur is a city situated on the banks of the river Panchganga in the southwest part of Maharashtra, India. It is the location of the Temple of Mahalakshmi, a Hindu goddess. The city is one of the fastest growing cities in the state.




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