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If you are facing financial issues and need some external financial help, then consider availing a Personal Loan. It is a loan that offers monetary support to people for meeting personal requirements of life. The loan does not require any asset to pledge as security with the lender.

Why Personal Loan Kottayam?

  1. There is no need to pledge any valuable commodity as collateral to borrow money.
  2. It does not involve the risk of losing the precious assets in case of non-repayment of a loan.
  3. It requires minimal documentation as compared to the other Loan schemes in the market.
  4. The applicant is free to spend the loan amount for any purpose.

Interest Rates Personal Loan Kottayam

Personal Loan generally comes with an affordable interest rate.  The initial interest rate of the Personal Loan is 10.75% per year, but this rate keeps on varying from time to time. Also, the interest rate differs from person to person and also depends on one’s monthly salary or income.

Who are eligible for Personal Loan Kottayam?

Salaried, self-employed people and self-employed professionals are eligible for availing a personal loan.
Salaried Individuals
  1. Salary: Rs 18,000 (Monthly).
  2. Minimum and Maximum Age: 21 and 60 Years.
  3. Work Experience: Overall 3 years and 1-year experience in the current job.
  4. CIBIL Score must be more than 700.
  5. A person who gets his/her salary in cash is not eligible for availing Loan
Self Employed Individuals
  1. Minimum and Maximum Age: 25 and 65 years.
  2. Should have filed for an annual ITR of 2.5 to 3 lakh.
  3. Residence: Should be owning an Office or Home.
  4. Business Stability: Your business should be operating for the last 3 years.
  5. CIBIL Score should be more than 700.

Documentation for Personal Loan Kottayam

  1. Identity Proof: PAN Card/ Voter ID card/ Driving License /Aadhar Card/ Passport.
  2. Proof of Residence: Voter ID card/ Driving License/Passport/Rent Agreement/Water Bills/ Electricity Bills/Aadhar Card/ PAN Card
  3. Income Proof: Salary slips of last 6 month or bank account statements where you get your salary. If you are self-employed, you have to give your ITR statement for last 3 years.
  4. It is important to note that if you don’t get your salary in the bank account, then you won't be eligible to apply for a loan.

How to Apply?

Anybody can apply quickly for Personal Loan online within 2 minutes. The process of application is straightforward and fast.
  1. Visit www.dialabank.com.
  2. After that, apply for a Personal Loan online.
  3. Enter your contact number so that we can contact you back.
  4. Dialabank is one of the best platforms to apply for a personal loan as we provide you all kinds of loan at a very affordable rate of interest.

About Kottayam

Kottayam is a city and the administrative headquarter of Kerela. It is an essential trading center of commercial crop rubber and spices. It is the first town of India to become tobacco free and to achieve 100 % literacy rate in 1989.

 

REMINDER SERVICES EMI CALCULATOR

PERSONAL LOAN INTEREST RATES

Reminder Services EMI Calculator Personal Loan Interest Rates