Personal Loan Cherthala

⋆ Interest Rate 9.99% ⋆

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      Why us?

      Rates as low as 9.99%*
      Loans Up to 30 Lacs
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      Table of Contents

      Personal Loan Cherthala

      Major Personal Loan Providers in Cherthala

      Feature
      HDFC Bank
      ICICI Bank
      Bajaj Finance
      Interest Rate
      10.75% - 17%
      11.25% - 18.5%
      12%
      Min Loan Amt
      Metro : 75000 & Non Metro: 50000
      50000
      100000
      Max Loan Amt
      50 Lacs
      50 Lacs
      1 Cr
      Loan Tenure
      1 - 5 Years
      1 - 5 Years
      1 - 5 Years
      Processing Fee
      0.25% - 2% of the Loan Amt

      1% - 2.5% of the Loan Amt

      0.5% - 2% of the Loan Amt
      Preclosure Charges
      2%, Nil foreclosure charges after 12 months
      2%, Nil foreclosure charges after 24 months
      Nil
      Overdraft Facility
      No
      No
      Yes

      Personal Loan Cherthala FeaturesPersonal Loan Cherthala

      Want to renovate one of your house room?

      Apply for a personal loan and get the best financial support you need!

      If we talk about a Personal Loan Cherthala – It is a sum of funds offered by the banks and the NBFCs with a very affordable EMIs and low rate of interest, helping you resolve any financial crunch you are facing.

      A personal loan is an unsecured loan offered to anybody who is a salaried employee or is self-employed and is with minimal documentation and paperwork. With the proper paperwork and verification process, you can get a loan approval within 48 hours.

      Personal Loan Cherthala provides financial aid to all customers at an affordable as well as cost-effective interest rates. To get a Personal Loan, the applicant must have a comparatively stronger and dependable source of income and a fairly good credit history profile.

      A personal loan has no end-use restrictions. Meaning you can use the loan the way you like. For example, paying bills, funding a vacation, a wedding, etc.

      To apply for a personal loan, Cherthala click on Personal Loan

      Personal Loan Cherthala Interest Rates

      Bank
      Processing Fee
      Prepayment Charges
      HDFC Bank Personal Loan
      0.25% to 1.50%
      2%, Nil foreclosure charges after 3 months
      Axis Bank Personal Loan
      0.50% to 1.50%
      Nil
      ICICI Bank Personal Loan
      0.25% to 1.50%
      2%, Nil foreclosure charges after 9 months
      SBI Personal Loan
      500/- to 0.50%
      Nil
      Kotak Personal Loan
      1% to 2%
      2.25% of fore closure amount if closed 1 month ahead of the tenure.
      IIFL Personal Loan
      Nil
      Nil
      Muthoot Personal Loan
      Nil
      Nil
      Manappauram Personal Loan
      Nil
      Nil
      PNB Personal Loan
      0.70% to 1%
      Nil
      Canara Bank Personal Loan
      1%
      Nil
      Andhra Bank Personal Loan
      Nil
      Nil

      To check Personal Loan Interest Rate for all major banks you can visit: Personal Loan Interest Rates

      Documents for Personal Loan Cherthala

      Salaried Customers:

      1. Identity proof (Aadhar card/driving license)
      2. Statements for the salary of the past three months.
      3. Bank statements for the last 6 months
      4. PAN
      5. Proof for Residence (Own/Rent/Company provided)
      6. Passport-size photograph – 2

      *NOTE: If one lives in rented apartments, rent agreement needs to be attached.

      Self-Employed Customers:

      1. All financial statements are required (Balance Sheet, P&L Statement as well as ITR files)
      2. PAN Card
      3. Aadhar
      4. Residence Proof
      5. Passport-sized photographs- 2

      personal loan at 10.75%*

      Eligibility Criteria for Personal Loan Cherthala

      Click here to know more about personal loan eligibility

      Salaried Applicants

      1. The base age of the candidate ought not to be under 21 years or over 60 years.
      2. The candidate must have a working understanding of in any event three years. The compensation ought to have been moved in their records as it were.
      3. The applicant should have an outstanding credit history.
      4. The job location of the applicant should be mentioned.
      5. The borrower must have a minimum income of at least INR 25,000 p.m.

      Click here to know more about a personal loan for- Salaried Applicant.

      Self-Employed Applicants

      1. The age of an independent person applying should be at least 25 years.
      2. The applicant applying for a personal loan should have been filing ITR for the past three years. In case the applicant is a businessman, then the business is required to be running well from the last 3 years.
      3. The applicant’s credit score should be good, and there must not be any debt or any dues pending.
      4. The yearly income of the applicant should be no less than Rs 2.5 lakh.
      5. The entire document verification process for personal loan approval requires the applicants to submit their financial statements and their bank statement for the past three months.

      Click here to know more about the personal loan for– Self-employed Applicant.

      Why Apply for Personal Loan Cherthala?

      1. There is no hard and fast rule for the requirement of depositing any mortgage or collateral as a security to the bank.
      2. A personal loan is a kind of multidimensional loan so that it can be used for any issue.
      3. The amount of personal loans is entirely based on the repayment capacity of the applicant.
      4. A Personal Loan does not require any nominee or guarantor.

      How to apply for Personal Loan Cherthala?

      1. Visit this website: DialaBank.
      2. Fill a user-friendly application form for the personal loan.
      3. Please wait until our relationship manager gets in touch with you for further process.
      4. In the meantime, if you have any queries, please call 9878981166.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Nedumangad

      All Banks and NBFCs cost a certain fee to process a Personal Loan application. The Personal Loan Cherthala processing fee is 1% of the sanctioned loan amount.

      If you wish to close your loan before the decided loan tenure, all lending institutions will be charging you a penalty as a prepayment fee. Usually, you will not be allowed to close your loan before a period of 12 months. Post that, the charges differ based on the number of years the loan has completed. This charge varies from 4% of the remaining loan amount in the second year to 2% in the loan’s fourth year.

      To know about the interest rate click on the personal loan interest rate.

      Personal Loan Cherthala EMI Calculator

      Equated Monthly Installments or EMI implies a monthly fixed rate that you must pay to the bank as monthly repayment for the loan amount, which is secured. According to your profile, the rate of interest on your loan is set. The EMI on your loan is calculated depending upon the Rate the bank charges you with and the loan amount you have to take and the period you take the loan.

      CIBIL Score required for Personal Loan Cherthala

      All the lending institutions have their own criteria for a minimal CIBIL score needed to process a Personal Loan application in Cherthala. Mostly, the institutions need a minimum score of at least 750 to process an application further.

      No institution only looks at the overall score. They also look at an elaborated view of the previous loans. The details include the type of loans and the amount of money that was borrowed. If there is any delay in the payments of the previous loans, it may hinder the present loan’s approval.

      personal loan at 10.75%*

      Personal Loan Cherthala Agents

      Dialabank is one of the leading agents for availing Personal Loan in Cherthala.

      You can apply online at Dialabank.

      Dialabank works as a bridge to find the best option between several Banks and NBFCs by providing you with a detailed and structured market comparison of different banks. This eliminates the unnecessary worries about the complex information and process you have to go through. So, you can make the right choice. Visit our website Dialabank to fill a simple form for more details, and our customer relationship managers will soon get in touch with you.

      Personal Loan Cherthala Contact Number 

      Call 9878981166 and get timely assistance and approval for Personal Loan in Cherthala.

      Pre Calculated EMI Table for Personal Loan Cherthala

      Click here for a personal loan EMI calculator

      Rate
      5 Yrs
      4 Yrs
      3 Yrs
      10.50%
      2149
      2560
      3250
      11.00%
      2174
      2584
      3273
      11.50%
      2199
      2608
      3297
      12.00%
      2224
      2633
      3321
      12.50%
      2249
      2658
      3345
      13.00%
      2275
      2682
      3369
      13.50%
      2300
      2707
      3393
      14.00%
      2326
      2732
      3417
      14.50%
      2352
      2757
      3442
      15.00%
      2378
      2783
      3466

      About Cherthala

      Cherthala is a Local town and a Taluk located in Alappuzha, in the state of Kerala, India. The town is 31 km to Kochi and Kottayam and 22 km north of Alappuzha town, on the Kochi-Alappuzha National Highway NH 66.

      FAQs About Personal Loan Cherthala

      Who can apply for a Personal Loan in Cherthala?

      People who urgently need cash and have a regular income source (from employment or business) can apply for a Personal Loan in Cherthala.

      What is the tenure of Personal Loan in Cherthala?

      Most of the Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. There are some Banks which extend the maximum period to 7 Years also. The tenure is fixed and cannot be extended. The repayment has to be done in equal monthly instalments within the agreed tenure of the loan.

      Are there any other charges involved in Personal Loan Cherthala?

      Yes, there are 2 types of charges that one needs to pay to avail a personal loan in Cherthala:

      Processing Fee: For every bank or lending institution you borrow from, there is a small fee that they charge from the customer. This is known as Processing Fee. The Personal Loan Cherthala processing fee is 1% of the sanctioned loan amount.

      Pre-closure Charges: If you want to close a running loan before its decided tenure period, the Banks and NBFCs charge an extra amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges vary depending on how many years has your loan completed before you decide to pre-close it.

      Can my application for Personal Loan Cherthala get rejected due to my CIBIL score?

      Personal Loan, being an unsecured loan, one of the most significant decision criteria for getting your Personal Loan application approved is your CIBIL Score. Having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan in the future. Ensure you don’t leave or delay any of your loan EMI payments or any credit card payments that will decrease your CIBIL score. Most of the Personal Loan rejections occur because of a low CIBIL Score.

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