Nainital Bank Personal Loan

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Why us?

Rates as low as 10.50%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

About Nainital Bank Personal Loan

Many financial problems occurs in our day to day life. Issues related to our health conditions, expenditure of marriage, renovation of house etc. can be solved with the help of Personal Loan. Mainly, the banks offer loans to the people so that they can meet their financial needs. If you are suffering from the financial crises or want to fulfil some of your dreams so you must opt for the option of Personal Loan.

What is a Personal Loan?

  1. Personal Loan comes under the category of Unsecured loan.
  2. The banks provide this loan to the applicants having appropriate documents and eligibility.
  3. In Nainital Bank Personal Loan, you don’t have to keep any asset in exchange for the amount.
  4. As it is an unsecured loan, lenders cannot auction your assets.
  5. You are free to use the loan amount as per your needs.

To know more about Personal Loan click here.

About Nainital Bank

Nainital Bank is a commercial bank founded in 1992 by Govind Pant. The bank is headquatered in Nainital, Uttrakhand, India. The bank has expanded there branches in Delhi, Haryana, Uttar Pradesh and Rajasthan. The bank provides many financial products to the applicants in the low-interest  rates.

Features of Nainital Bank Personal Loan

Nainital Bank Personal Loan

Nainital Bank provides you with the best loan in the market. The features are as follows:
  1. Quick Disbursal: Nainital Bank Personal Loan gives you the facility of quick disbursal. Once your documents are submitted, you can get your loan amount within 48 hours in your account.
  2. No need of collateral: In Nainital Bank Personal Loan it is not required to keep any assets in exchange of the loan.
  3. The flexibility of use: In this type of loans, you are free to use the loan amount as per your needs.
  4. Flexible loan amount: It depends on your CIBIL Score that how much loan amount you can take from the Nainital Bank Personal Loan.
  5. Hassle free process: It is an online process, and it is easy to avail the Nainital Bank Personal Loan.

Eligibility of Nainital Bank Personal Loan

Salaried applicant

  1. The age limit for the salaried applicants is 21 years to 60 years.
  2. The income should be at least Rs. 18,000 per month, and the applicant should have a salary account on which he gets his monthly income.
  3. CIBIL Score means a lot if you want a good amount of loan. It should be more than 700.
  4. Id proof: aadhaar card/ pan card/ voter card.
  5. Address proof: aadhaar card/ pan card/ voter Id / passport/ driving license/ electricity bill.
  6. The minimum loan,applicant can get is 1.5 lakhs to 20 lakhs depending on the salary.

Self Employed Applicant

  1. The age limit for the self-employed applicants is 25 minimum to 65 maximum.
  2. ITR should be of at least 2.5 lakh from the last three years.
  3. On the bases of CIBIL Score, the loan amount is decided. It should be more than 700.
  4. Id proof: aadhaar card/ pan card/ voter card.
  5. Address proof: aadhaar card/ pan card/ voter Id / passport/ driving license/ electricity bill.
  6. Depending on the CIBIL Score, the applicant can get the loan of 1.5 lakhs to 50 lakhs.

Documents required for Nainital Bank Personal Loan

Identity proof

 You can use one of the following  as an identity proof.
1.    Aadhar Card
2.    PAN Card
3.    Driving License
4.    Voter ID Card

Residence proof

You can use one of the following as residence proof.
1.    Aadhar Card
2.    PAN Card
3.    Driving License
4.    Voter ID Card
5.    Ration Card
6.    Electricity and water Bills for the last six months.

Income Proof

1.    Salary slips of last three months and bank statement of last six months.
2.    In the case of self-employed applicant ITR of the previous three years is required.
3.    2 Passport sized coloured photographs without specs.

Why to apply for Personal Loan in Dialabank?

  1. Dialabank is the first financial helpline services in India.
  2. We provide you with the best interest rates compared in the market.
  3. We have experience of many years so we can serve you in the best possible ways according to your needs.
  4. We solve your queries within 24 hours after your form application.

How to apply online for the Nainital Bank Personal Loan?

  1. Firstly visit our official site www.dialabank.com
  2. Then you have to fill the above form for the Personal Loan.
  3. Don’t forget to mention your contact number. It is mandatory.
  4. You will get the call from our Relationship Manager, and you are free to ask them your queries.
  5. They will provide you with the best loan details.

FAQs About Nainital Bank Personal Loan

Q. What is Nainital Bank Personal Loan?

If you are in urgent need of financial help but can not provide security in exchange for a loan then Nainital Bank Personal Loan is just the right help you need. A Personal Loan can be availed without the need for submitting a security and loan amount can be used for any personal need.

Q. How does Nainital Bank Personal Loan work?

Nainital Bank Personal Loan works like any other loaning product except that you are not required to submit any security to avail Personal Loans. All you need is your KYC and income proof. Once approved and disbursed the loan amount can be used for a number of personal purposes.

Q. What is Personal Loan rate of interest in Nainital Bank?

Personal Loan rate of interest in Nainital Bank starts at 11.20% per annum. You can visit Dialabank’s online portal to compare the rates of different banks and finance companies across India.

Q. How can I get Nainital Bank Personal Loan?

To get a Personal Loan you will have to visit the nearest branch with basic documents and income proof and fill an application form. You can also contact Dialabank to avail of the best financial advice and get the personally curated deals and offers for all your financial needs.

Q. How to apply for Personal Loan in Nainital Bank?

Apply for Personal Loan by visiting the nearest Nainital Bank branch with all the requisite documents. You can also apply online with Dialabank and avail personalized assistance for all your financial needs.

Q. Why apply for Nainital Bank Personal Loan?

Nainital Bank Personal Loans can be used for any personal financial need. You do not have to provide any collateral security in exchange for your loan and the repayment can be done in easy monthly instalments.

Q. How much EMI on Nainital Bank Personal Loan?

Calculate your Nainital Bank Personal Loan EMI using your loan tenure, loan amount, and rate of interest. Use Dialabank’s EMI calculator to calculate your estimated EMI and apply for all your Personal Loan needs with us.

Q. How much CIBIL score required for Nainital Bank Personal Loan?

A CIBIL score above 700 is required by Nainital Bank for Personal Loan. Your CIBIL score plays a big role in determining your loan eligibility as it calculates the risk of default for your lender.

Q. Minimum credit score needed for Nainital Bank Personal Loan?

The credit score is a measurement and estimate of your creditworthiness. Nainital Bank requires you to have a credit score of at least 700.

Q. How to calculate Nainital Bank Personal Loan EMI?

Use your loan amount, loan tenure, and rate of interest to calculate your Personal Loan EMI using the EMI calculator available on Dialabank’s website.

Q. What can I use Nainital Bank Personal Loan for?

You can use your Nainital Bank Personal Loan for a number of financial needs such as funding your marriage or that of a relative, pay all your big and small bills, renovate or repair your home, and etc.

Q. Can I prepay Nainital Bank Personal Loan?

If you have the required funds you can pre-close your loan by visiting the branch and asking your banker about the prepayment facilities. You may be charged with a small prepayment fee.

Q. How to repay Nainital Bank Personal Loan?

Your Personal Loan can be repaid in easy monthly EMIs. You can contact your loan branch for further information on your repayment options.

Q. What documents are needed for Nainital Bank Personal Loan?

Aadhar Card/Voter ID for Identification and Address Verification with your PAN Card, Salary Slips, and Bank Statement are the requisite documents for a Personal Loan from Nainital Bank. Any other document as shall be asked by the bank shall be duly submitted.

Q. How to check Nainital Bank Personal Loan status?

Visit your loan branch or contact the customer care number of Nainital Bank to know the status of your loan application and stay updated.

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