Personal Loan Haldwani

⋆ Interest Rate 9.99% ⋆

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      Table of Contents

      Personal Loan Haldwani

      Major Personal Loan Providers in Haldwani

      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 Haldwani Features

      Personal Loan HaldwaniAn emergency can come anytime, and a Personal Loan helps you cope with fiscal disasters without much hassle. With the help of received loan amount, the borrowers can meet any financial crisis, such as medical bills, school fees, grocery bills, credit card bills, debt consolidation, and some other expenses. It will be provided at the best possible low-interest rates, which varies according to the candidate’s credit profile.

      The loan offered to people without placing any collateral is termed as a Personal loan. This loan helps a person to meet any personal requirement without including any property. It can be used for wedding expenses, higher study, home renovations, debt consolidations, and many more. You can make a personal loan as it is easy to take and more manageable to repay. In addition to this to avail, this loan you don’t need to have any collateral as this loaning scheme is guarantee free facility.

      Personal Loan Haldwani 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 0.01 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 Haldwani

      The documents required for a personal loan are as follows:

      Salaried Customers:

      1. PAN Card
      2. Salary slips of last three months
      3. Bank statements for the last 6 months
      4. Residence Proof (Owned/Rented/Company provided)
      5. Passport-sized photographs – 2
      6. Identity proof (Aadhar card/driving license)
      7. In the case of rented apartments, rent agreement needs to be attached.

      Self-Employed Customers:

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

      personal loan at 10.75%*

      Eligibility Criteria for Personal Loan Haldwani

      The Personal loan eligibility criteria also are different for both Salaried and Self-Employed customers in the following manner:

      Salaried Applicants

      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. The salary should be accredited to his account.

      Self-Employed Applicants

      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. Your business should be operating for at least 3 years.
      5. CIBIL Score should be more than 700.

      Why Apply for Personal Loan Haldwani?

      1. Multipurpose loan: The money from a personal loan can be utilized for any personal purpose.
      2. All-purpose loan: It can be used for almost all purposes according to the requirement.
      3. Affordable Interest Rates: It is available at an affordable interest rate in the market.
      4. Simple procedure: It is a simple Loan scheme as there is no process to check the collateral

      How to apply for Personal Loan Haldwani?

      Anybody can apply for Personal Loan Haldwani online and get an instant personal loan only in a few minutes. The process of application is straightforward and quick.

      1. Visit Dialabank.
      2. After that, apply for a Personal Loan online.
      3. Please 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 with all kinds of loans at a very affordable rate of interest. You can also call on 9878981166 for any assistance.

      Processing Fee / Prepayment Charges on Personal Loan Haldwani

      Every Bank and NBFC charges two kinds of fees from its customers.

      1. The first is mandatory for processing your Personal Loan application, i.e. Processing Fee. These charges vary between 1% to 2.5% of the sanctioned loan amount. These are charged on all personal loans irrespective of the tenure and amount.
      2. The second being Pre-closure charges in-case you want to close your loan before your fixed tenure. Normally, you cannot close your personal loan before 12 months. The charges may vary from 2% to 4% in the case of pre-closure cases.

      Personal Loan Haldwani EMI Calculator

      The  Personal loan EMI Calculator can be used to know your EMI value on your loan amount.

      Equated Monthly Installments also know as EMI are the monthly charges that you pay to the bank as monthly repayment for the loan amount borrowed.  It is calculated based on your profile, income, loan amount, and tenure the interest rate. Your EMI is calculated basis the Interest Rate you are charged by the bank which is required to be paid every month.

      CIBIL Score required for Personal Loan Haldwani

      Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application Haldwani.

      1. Most institutions require a minimum score of 750 and above to process your loan application.
      2. Others might look into other factors like income and job stability to process the loan.
      3. The institutions don’t just look at the overall score but also the detailed behavior on the previous loans taken.
      4. This includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your availing a fresh loan.

      personal loan at 10.75%*

      Personal Loan Haldwani Agents

      Dialabank helps you in comparing various banks and NBFCs so that you can choose the best offer available according to your need. DialaBank is your best agent available for a personal loan in Haldwani. Our relationship manager will ensure you get the best loan at the lowest possible interest rate with hassle-free documentation. The reason behind choosing DialaBank as your agent is:

      1. DialaBank is India’s first financial helpline.
      2. We do not charge you for our services.
      3. The loan gets disbursed within 24 hours of applying with us.
      4. Our relationship manager guides and assists you through the entire process.

      By comparing all the deals available with various banks, we will help you in choosing the right bank for you.

      Personal Loan Haldwani Contact Number

      Call 9878981166 and get instant help and approval for Instant Personal Loan in Haldwani.

      Pre Calculated EMI Table for Personal Loan Haldwani

      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 Haldwani

      Haldwani is a city in Nainital District, Uttarakhand. It is the most populous city also known as “Gateway of Kumaon”.  It is also referred to as Halduvani which is derived after the name of tree “Haldu” abundant in the region. It is home to one of the largest vegetable, fruit, and food grain markets in Kumaon.