Personal Loan Kohima

Major Personal Loan Providers in Kohima

Personal Loan Kohima Features

We all have some important events in our life like weddings, vacations, home renovations, and many more, but not everyone can pay for them on their own. In this case, a Personal Loan can surely help us. A Personal Loan is a financial help provided by banks to the applicants for their personal use. Almost all major banks and NBFCs provide Personal Loans at an affordable rate of interest in Kohima. The documentation process is straightforward. You can use the loan amount according to your personal need, and there are no restrictions on using the loan amount. To get a Personal Loan, the applicant must have a good income source.

You can easily apply through the Dialabank website to access the best and most affordable Personal Loan options.

Personal Loan Kohima Interest Rates

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

Personal Loan Kohima Documents Required

For Salaried Customers (in public/private/cooperatives/start-ups)

• Aadhaar card/ driver’s license/ PAN card/ Pension document or any other identity proof.
• The last three-month salary slips will be required. make sure you are paid your salary through bank accounts
• The banks will require the bank statements for the last 6 months to make sure you can repay your loan easily.
• Your proof of residence, whether it is owned, rented, or company provided. The rental agreement in case of a rented apartment will be needed.
• 2 Passport-sized clear photographs of the applicant (without spectacles, proper lighting)

Self-Employed Customers:

• Financial statements such as the balance sheets, P&L Statement, and our income tax returns files will be needed to make sure you can repay your loan without fail.
• PAN Car or your Aadhar Card, or any other acceptable identity proof
• Residence Proof and rental agreement in case of a rented apartment
• Two passport-sized clear photographs of the applicant (without spectacles, proper lighting)

Personal Loan Kohima Eligibility Criteria

Click here to know more about Personal Loan eligibility

Salaried Applicants

• The age of the applicant should not be less than 21 years
• The age of the applicant should not be more than 60 years.
• The applicants must have a minimum work experience of three years
• The applicants must meet the CIBIL score criteria mentioned below
• The job location of the applicant shall have to be revealed
•  The applicant should be earning a minimum of 3 lakhs per annum

Self-Employed Applicants

• The age of the applicant should not be less than 25 years.
• The age of the applicant should not be more than 60 years.
• The applicants will need to show their income tax returns for the last three years.
• The business of the applicant should be running for the past three years.
• The applicant should be able to meet the minimum CIBIL score criteria
• The income of the applicant should not be less than Rs 2.5 lakh per annum
• The applicant will also have to submit his bank statement for the last three months.

Why Apply for Personal Loan Kohima?

There are many reasons why you should apply for a Personal Loan:

• A Personal Loan requires only basic documentation and a CIBIL score. No unnecessary steps are included in the procedure
• The Personal Loan in Kohima doesn’t require collateral and so gets disbursed easily.
• Personal Loans in Kohima offer you to option of choosing your own tenure
• It offers you flexible repayment options.
• It can be used for almost all the financial burdens of your life
• It gets sanctioned without much hassle

How to apply for Personal Loan Kohima?

To apply for the best Personal Loan deals, follow these steps:

• Visit Dialabank, and you will see many loan options on the title bar.
• For a Personal Loan, click on the Personal Loan option and fill in your details in the space provided.
• Our experts will guide you further.
• In case you have any queries, you can call us instead of 9878981166.

Processing Fee/Prepayment Charges on Personal Loan Kohima

A processing fee is a fee that banks and NBFCs take to process your loan and sanction it. It varies from one bank to another but usually ranges from 1% to 2.5%. Finally, the banks charge a prepayment fee if you want to prepay a part of your loan, i.e., pay it before the tenure ends. This fee is usually 4% of your loan amount in the initial years and decreases with time.

Personal Loan Kohima EMI Calculator

Check your EMIs beforehand through this EMI calculator to know which loan deal fits best for you!

CIBIL Score required for Personal Loan Kohima

The minimum CIBIL score required for a Personal Loan in Kohima is 750 and above. This score will help you avail of Personal Loans with attractive features and affordable interest rates. While a score of 650 is considered ‘fair,’ it still comes close to a poor rating. There are many ways to improve your CIBIL score, like applying for credit cards or taking short-term low amounts of loans and repaying them on time.

Personal Loan Kohima Contact Number

Call 9878981166 and get instant help and approval for a Personal Loan in Kohima.

Pre Calculated EMI Table for Personal Loan Kohima

Click here for a Personal Loan EMI calculator

About Kohima

Kohima is the capital of the easter state of Nagaland and is the second-largest city in the state. It was earlier known as Kewhira. It was the site of one of the bloodiest battles of World War II and is known as the ‘Stalingrad of the East,’ and thus there is Kohima War Cemetery located here to mark the bravery of the soldiers. Other tourist attractions include the Kohima Cathedral, the Kohima Ao Baptist Church, the Sakhrie park, etc.

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