Nainital Bank Personal Loan

⋆ Interest Rate 9.99% ⋆

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Why us?

Rates as low as 9.99%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

Nainital Bank Personal Loan Key Features

Eligibility Criteria Details
Age 21 to 58 yrs(at loan maturity)
CIBIL Score 750
Nainital Bank Personal Loan Interest Rate 9.99% p.a.
Lowest EMI per lakh Rs. 2174
Tenure 12 to 60 Months
Nainital Bank Personal Loan Processing Fee 1%-2%
Prepayment Charges Decided by bank
Part Payment Charges Decided by bank
Minimum Loan Amount Rs. 5000
Maximum Loan Amount Up to Rs. 20 Lakh

Each Feature Explained in Detail Below


Nainital Bank Personal Loan Eligibility Criteria

Eligibility criteria for a personal loan:

CIBIL score Criteria 750 or above
Age Criteria 21 to 58 yrs
Min Income Criteria Rs. 15,000 to Rs 25,000
Occupation Criteria Salaried/Self-Employed/Pensioner

Nainital Bank Personal Loan Interest Rate and Charges

Nainital Bank Personal Loan Interest Rate 9.99% p.a.
Nainital Bank Personal Loan Processing Charges 1% to 2%
Prepayment Charges NIL
Stamp Duty NIL
Cheque Bounce Charges As per Bank
Penal Interest As per Bank
Floating Rate of Interest NIL

Nainital Bank Personal Loan Documents Required

Form Duly filled  and signed the application form
Proof of Identity Copy of:
> Passport
> Driving License
> Aadhaar Card
> Voter ID Card
Proof of Address Rent Agreement (Min. 1 year of stay)
Utility Bills
Proof of permanent residence
Ration card, Bank Account Statement, Latest Credit Card Statement
Proof of Income ITR: Last two financial  years( For self-employed)> Salary Slip: Last 6 months (Salaried Employee)

 

> Bank Statement: Last 3 months

Nainital Bank Personal Loan EMI Calculator

EMI Calculator.

Nainital Bank Personal Loan Compared to Other Banks

Particulars Nainital Bank  HDFC Bank Bajaj Finserv Axis Bank Citibank ICICI Bank
Interest Rate 9.99% 11.25% to 21.50% Starting from 12.99% 15.75% to 24% Starting from 10.99% 11.50% to 19.25%
Tenure 12 to 60 Months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months 12 to 60 months
Loan amount Up to Rs. 20 lakh Up to Rs. 40 lakh Up to Rs. 25 lakh Rs. 50,000 to Rs. 15 lakh Up to Rs. 30 lakh Upto Rs. 20 lakh
Processing Fee 1%-2% Up to 2.50% of the loan amount Up to 3.99% of the loan amount Up to 2% of the loan amount Up to 3% of the loan amount Up to 2.25% of the loan amount

Other Loan Products from Nainital Bank

Nainital Bank Gold Loan Nainital Bank Car Loan Nainital Bank Home Loan Nainital Bank Business Loan
Nainital Bank TWL Nainital Bank LAP Nainital Bank Credit Card Nainital Bank Education Loan

Why should you apply for Nainital Bank Personal Loan with Dialabank?

  • Dialabank is the leading helpline of the country
  • Less Documentation for your ease
  • Fast Approval will be provided

You can call at 9878981166 for any query.

How to Calculate EMIs for Nainital Bank  Personal Loan?

There is a  requirement of the following information to calculate Nainital Bank Personal Loan:

EMI:

  • Amount of the Loan
  • also, the Interest Rate of your loan
  • and Tenure of your loan

Substitute the values in the calculator below and find your monthly EMIs

EMI Calculator

Nainital Bank  Personal Loan Processing Time

  • Fast processing
  • It needs less paperwork
  • A processing fee may vary and can be asked by the bank

Nainital Bank Personal Loan Preclosure Charges

Is your fund ready? Then you can apply for Preclosure. For more details can make a call or visit the branch.

Different Offers For Nainital Bank Personal Loan

Nainital Bank Home Loan

Nainital Bank offers personal loan for a home:

  • The minimum age should be 21 yrs
  • The maximum Age should be 60 yrs
  • Regular Income applicants are a must for the Home Loan
  • Earn more than the required monthly income for ease in the approval

Nainital Bank Personal Loan for Government Employees

  • Nainital Bank offers personal loans to all the Govt. employees.
  • The amount of the loan depends on the company your working for.

Nainital Bank Education Loan

  • Nainital Bank offers Education loan up to Rs 10 lac in India and Rs 20 lac to study in Abroad
  • Your loan limit should be above Rs 4.00 lac
  • Max Loan to study in India is Rs 10 lac
  • Max Loan to Study in India is Rs 20 lac

Nainital Bank Personal Loan for Pensioners

  • The processing charge is 0.5% to 1%
  • Very Affordable Interest Rate

Nainital Bank Personal Loan Balance Transfer

  • Personal Loan balance transfer means the borrower transfer the sum to other institutions.
  • Low-interest rates.
  • Long repayment tenure.

Nainital Bank Personal Loan Top Up

Nainital Bank’s personal loan provides top-up that means an additional amount on the existing loan.

Nainital Bank Personal Loan Status

  • Visit the site of this bank.
  • Check the eligibility.
  • Fill the form with your information.
  • Our managers will contact you.

How to Apply for Nainital Bank Personal Loan?Nainital Bank Personal Loan

There is less requirement for paperwork. It helps in saving your time and you get your loan approval faster.

Availing a personal loan is very simple; all you have to do is to:

  1. Visit the website of Dialabank and fill the application form.
  2. You will get a call from us.
  3. Our instructors will guide you through the entire process and tell you each detail of the loan.

FAQs About Nainital Bank Personal Loan

✅ How to apply for Nainital Bank Personal Loan?

You can apply for a personal loan with Nainital Bank through visiting the nearby branch of Nainital Bank or by submitting a simple form with Dialabank. With Dialabank, you get the satisfaction to apply from anywhere and get quick online approval.

✅ What is the Interest Rate for Nainital Bank Personal Loan?

The interest rate of Nainital Bank is 9.99% p.a. for their personal loan products.

✅ What is the minimum age for getting a Personal Loan from Nainital Bank?

You must be at least 21 years old to apply for a personal loan with Nainital Bank.

✅ What is the maximum age for getting a Personal Loan from Nainital Bank?

The maximum age for getting a personal loan from Nainital Bank is 58 years.

✅ What is the minimum loan amount for Nainital Bank Personal Loan?

The minimum loan amount that can avail for your Personal Loan from Nainital Bank is Rs 5000.

✅ What is the maximum loan amount for Nainital Bank Personal Loan?

Nainital Bank allows you to take a maximum loan amount of Rs. 20 lakhs under the personal loan scheme.

✅ What are the documents required for Nainital Bank Personal Loan?

The documents required for getting a personal loan from Nainital Bank are Aadhaar card/Voter ID, PAN card, salary slips of last 6 months, the ITR files of the last two years, and two recently clicked photographs.

✅ What is the Processing Fee for Nainital Bank Personal Loan?

Nainital Bank charges a processing fee of 1%-2% of the loan amount plus GST for the personal loan.

✅ How to get Nainital Bank Personal Loan for Self Employed?

Nainital Bank avails special offers for self-employed borrowers to meet their economic needs. You will show the ITR files of the last three years as your income proof.

✅ What is the Maximum Loan Tenure for Nainital Bank Personal Loan?

The maximum tenure period for a personal loan from Nainital Bank is 60 months.

✅ What should be the CIBIL Score for Nainital Bank Personal Loan?

You must have a CIBIL score of 750 or above for getting a personal loan from Nainital Bank.

✅ Do I have a preapproved offer for Nainital Bank Personal Loan?

You can check out your preapproved personal loan offers from Nainital Bank with Dialabank. All you have to do is fill the form, and we will check all the offers for you and get back to you to help you choose the best one.

✅ How to calculate EMI for Nainital Bank Personal Loan?

You can use the EMI calculator available at Dialabank’s website to calculate your personal loan EMIs from Nainital Bank.

✅ How to pay Nainital Bank Personal Loan EMI?

Your personal loan EMIs from Nainital Bank are automatically subtracted from your bank account on a monthly basis. You can also use the net-banking services of Nainital Bank for the payment of your personal loan.

✅ How to close Nainital Bank Personal Loan?

You have to pay all the outstanding personal loan amount before closing the loan and then contact the Nainital Bank branch to collect your no dues certificate.

✅ How to check Nainital Bank Personal Loan Status?

You will need the visit the branch of Nainital Bank to check the status of your personal loan. Another way, you can visit Dialabank and fill a simple form to let us do the hard work for you.

✅ How to close Nainital Bank Personal Loan Online?

Closing of a personal loan from Nainital Bank involves the following steps:

  • Visit the net-banking page of Nainital Bank.
  • Login with your details.
  • Pay for your personal loan and save the transaction receipt.

✅ How to pay Nainital Bank Personal Loan EMI Online?

Your personal loan EMI can be paid through the net-banking services of Nainital Bank. Dialabank lets you compare offers and deals from different banks to choose the best, low-EMI personal loan. All you have to do is fill a simple form, and we will do the rest for you.

✅ How to check Personal Loan Balance in Nainital Bank?

To check the personal loan balance in Nainital Bank, you will require to contact the customer care number of Nainital Bank. If you are in search of low-interest personal loans, you can visit Dialabank and fill a simple form for Personal Loan Balance Transfer, and we will do the hard work for you.

✅ How to download Nainital Bank Personal Loan Statement?

The personal loan statement of Nainital Bank can be downloaded using the Nainital Bank mobile banking app. You can visit the online platform of Dialabank and fill a simple form to compare and know about all the offers that we have for you.

✅ How to Top Up Personal Loan in Nainital Bank?

If you want a top-up on your personal loan from Nainital Bank, you will have to visit the bank branch and contact the loan officer. You can also fill a simple form with Dialabank at Personal Loan Top Up and leave the rest to us.

✅ What happens if I don’t pay my Nainital Bank Personal Loan EMIs?

Nainital Bank charges you with a penal interest if you don’t pay your personal loan EMIs. You can apply for a balance transfer using Dialabank to avail of low-interest personal loans that will not put a hole in your pocket.

✅ How to find the Nainital Bank Personal Loan account number?

You will need to contact your Nainital Bank loan branch to know your personal loan account number. Also, fill out the form available at Dialabank and let us do all the work for you.

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