Personal Loan Kishtwar

⋆ 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

      Major Personal Providers in Kishtwar

      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 Features in Kishtwar  

      Looking for any kind of financial assistance? For any medical expense or for educational purposes?

      A personal loan is available for you. A personal loan is unsecured in nature with minimal documentation and less paperwork required. It gets credited within 48 hours bypersonal loan kishtwar applying with Dialabank and the amount of loan approved is transferred in the account of the applicant without any trouble.

      Personal Loan Kishtwar is where you can borrow the amount from a bank at a specific rate of interest to fulfill your financial and personal needs and desires. Personal Loan is the best way to overcome the financial crunch. Whenever there is an immediate need for money then a personal loan is the best option available for you.

      Personal Loan in Kishtwar 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

      Personal Loan in Kishtwar Documents Required 

      Salaried applicants

      1. The documents required for the residence proof includes (Passport / ID card / Voter card / Aadhaar card / Ration card / Driving license), and if the applicants are living in rental apartments then they have to submit their Rent Agreement, Electricity bill on his name and address of the owner.
      2. Salaried applicants have to show their salary slip of the last three months and bank statement for the last six months.
      3. Under KYC formality, every applicant has to submit their pan card, which is an essential document.
      4. Two colored passport size photos ( Applicants should not wear any glasses)

      Self-employed applicants

      1. The documents required for the residence proof includes (Passport / ID card / Voter card / Aadhaar card / Ration card / Driving license), and if the applicants are living in rental apartments then they have to submit their Rent Agreement, Electricity bill on his name and address of the owner.
      2. Self-employed applicants who want to apply for a personal loan should file ITR for the last three years, and their business should be registered.
      3. Under KYC formality, every applicant has to submit their pan card, which is an essential document.
      4. Two colored passport size photos ( Applicants should not wear any glasses)

      Personal Loan in Kishtwar Eligibility Criteria

      Salaried Applicants

      1. The minimum age requirement of the individual for getting Personal Loan Salur should be 21 years and a maximum up to 60 years.
      2. The applicants must have work experience of three years. And the salary should be received in their respective bank accounts only.
      3. The applicants must have an excellent credit history.
      4. The job location of the applicant should be mentioned.
      5.  In a metropolitan city, a borrower should have a minimum income of Rs. 18,000 and in non-metro city minimum income should be Rs. 12,000

      Self-Employed Applicants

      1. The minimum age requirement for an independent person should be 25 years.
      2. The applicants applying for the personal loan should file ITR for the last three years.
      3. If the applicant is a businessman, then the business should be running from the past three years.
      4. The credit score of the individual applicants should be good. There should not be any debt or dues left in past.
      5. The annual income of the applicant should be a minimum of Rs 2.5 lakh.

      Why Apply for Personal Loan Kishtwar?

      1. There is no fast rule for the requirement of depositing any collateral as a security to the bank.
      2. A personal loan is a kind of multipurpose loan, so it can be put to use for anything.
      3. The amount borrowed as a personal loan is based on the repayment capacity of the applicant.
      4. A Personal Loan does not require any nominee.

      How to apply for Personal Loan Kishtwar?

      1. Visit this website: www.dialabank.com.
      2. Then, click on the loan section and go to the personal loan link. It will take you to the detailed information of the personal loan where you can choose your city of preference. For more information and free guidance, please call 9878981166.
      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Kishtwar

      All Banks and NBFCs demand a certain fee to process a Personal Loan application. This cost differs between 1.5% to 2.5% of the approved loan amount.

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

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

      Personal Loan Kishtwar EMI Calculator

      Equated Monthly Installments or EMI is a fixed rate that you are needed to 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 fixed. 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 for which you take the loan.

      CIBIL Score required for Personal Loan Kishtwar

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

      No institution only looks at the total 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 approval of the present loan.

      personal loan at 10.75%*

      Personal Loan Kishtwar Agents

      Dialabank is one of the leading agents for availing Personal Loan in Kishtwar. You can apply online at Dialabank.

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

      Personal Loan Kishtwar Contact Number

      Call 9878981166 and get instant Personal Loan in Kishtwar.

      Pre Calculated EMI Table for Personal Loan Kishtwar

      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 Kishtwar

      Kishtwar is a municipality in the Kishtwar District of the Jammu region in the Indian union territory of Jammu and Kashmir.

      FAQs About Personal Loan Kishtwar

      Who can apply for a Personal Loan in Kishtwar?

      People who have an urgent need for cash and have a regular source of income (from employment or business) can apply for a Personal Loan in Salur.

      What is the tenure of Personal Loan in Kishtwar?

      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 installments within the agreed tenure of the loan.

      Are there any other charges involved in Personal Loan Kishtwar?

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

      Processing Fee: For every bank or lending institution that you borrow from, there is a small fee that they charge from the customer. This is known as Processing Fee. The amount of processing fee varies for each lending institution and is normally between 1% and 2.5% of the 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 Kishtwar 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. Make sure you don’t leave or delay any of your loan EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections occur because of a low CIBIL Score.

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