Personal Loan Kayamkulam

⋆ 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

      Table of Contents

      Major Personal Loan Providers in Kayamkulam

      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 Kayamkulam Features

      Need money for commencing a new company? Need funds for planning the marriage of your children? Dialabank is here exploring solutions for you!

      A personal loan is a cure that will accomplish all your ambitions. This loan demands the least records and paperwork. Your loan will be confirmed within 48 hours after document authentication.

      It is an unsecured loan with the feasibility of interest rates as per your convenience. The basic requirement for this loan is good income and good creditworthiness.

      The most valuable thing affiliated with this loan is that there are no stipulations on the intention of using this monetary support. You can use it anywhere you want.

      Click here to get an Instant Personal Loan

      Personal loan kayamkulam

      Personal Loan Kayamkulam 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 Kayamkulam

      Salaried Customers:

      1.  Your identity proof is required. It can be anyone of Aadhar card or driving license.
      2. Salary slips for the past three months are required to be submitted.
      3. Bank statements for the last 6 months have to be submitted.
      4. A copy of your PAN Card
      5.  You have to submit your residence proof (Owned/Rented/Company provided)
      6. Two recent passport-sized photographs have to be submitted.

      *NOTE: If you live in a rented apartment, then rent agreement needs to be attached.

      Self-Employed Customers:

      1. All financial statements of your business are required to be attached. (Balance Sheet, P&L Statement as well as ITR files)
      2. PAN Card is a must.
      3. Aadhar Card (for identity proof)
      4. Residence Proof (owned/rented)
      5. You have to attach two recent passport-sized photographs.

      personal loan at 10.75%*

      Eligibility Criteria for Personal Loan Kayamkulam

      Salaried Applicants

      1. The minimum age of an individual should be 21 years and a maximum of up to 60 years in order to apply for a personal loan.
      2. It is obligatory for the applicant to have at least 3 years of experience and you should be holding a salary in your own account
      3. The candidate’s credit archives should be competent.
      4. You should notify your job location.
      5. The applicant should gain a minimum income of INR 25,000 per month.

      Self-Employed Applicants

      1. The minimum age of an individual should be 25 years.
      2. You should file your ITR for the last 3 years if you applying for a personal loan.
      3. If you are a businessman, then your business should be active for the past 3 years.
      4. Your credit score should be good. Make sure that all your dues are clear.
      5. You should be earning a minimum annual income of Rs.2.5 lakhs.
      6. The applicant has to submit his financial and bank statement for the past 3 months.

      Click here if you want further knowledge about the Personal Loan for Self-Employed Applicant.

      Why Apply for Personal Loan Kayamkulam?

      1. You do not need to mortgage your property.
      2. A personal loan is a multipurpose loan. You can use this amount anywhere you want to.
      3. The amount of personal loans completely depends on your creditworthiness.
      4. In Personal Loan, you need not mention any nominee or guarantor.

      How to apply for Personal Loan Kayamkulam?

      1. Visit our website Dialabank.
      2. On our website you will see a Loan section, go there and click on the personal loan link to apply for it.
      3. The applicant will be directed to all details of the personal loan where you can choose your preferred city.
      4. For more information and free assistance, you can get in touch with us by calling on 9878981166.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Kayamkulam

      Every financial institution such as banks or NBFCs charges an application fee for a personal loan. The range of fees varies between 1.5% – 2.5% of the permitted loan amount.

      If you are precluding your loan amount before the due date, then you have to pay a penalty for prepayment. You cannot close your loan before 12 months in most situations. The prepayment penalty charges depend on the number of years for which loan has been used.

      To gain more knowledge about the interest rate click on the Personal Loan interest rate

      Personal Loan Kayamkulam EMI Calculator

      EMI (Equated Monthly Installments) are the fixed charges that you are liable to pay monthly to the bank as repayment of the loan amount. The interest rate is not fixed. It will be determined based on your profile. And accordingly, your EMI will be calculated on the basis of interest rate and the tenure of the loan.

      CIBIL Score required for Personal Loan Kayamkulam

      Every lending institution has its own benchmark criteria for CIBIL score which is required for proceedings of application of Personal Loan. A CIBIL score of 750 is mostly preferred by all the lending institutions.

      Institutions just look at your behavior in your previous loans whether you have repaid your loans on time or not. Any delayed payments of the past can affect your future.

      personal loan at 10.75%*

      Personal Loan Kayamkulam Agents

      Dialabank is the preeminent agent for taking Personal Loan in Kayamkulam. You can apply online at Dialabank or give a call at 9878981166.

      Dialabank is working for providing monetary help to those in need. Visit our website www.dialabank.com and fill a simple form with all necessary details such as personal and employment details. Our customer relationship managers will soon get in touch with you.

      Personal Loan Kayamkulam Contact Number

      Call 9878981166 and to get immediate help from us and advocacy for Personal Loan in Kayamkulam.

      Pre Calculated EMI Table for Personal Loan Kayamkulam

      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

      Click here for Personal Loan EMI Calculator

      About Kayamkulam

      It is a municipal town in the state of Kerela. It has one of the largest thermal power plants in Kerela. It has a population of around 65,000 people.

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