Personal Loan Kolhapur

⋆ 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

Best Banks for Personal Loan in Kolhapur

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 in Kolhapur Features

Personal Loan Kolhapur

Are you running short out of cash? Do not worry Personal Loan Kolhapur is available for you. This loan is unsecured in nature with minimal documentation and less paperwork. This loan will get approved within 48 hours after the completion of the verification process.

Personal Loan Kolhapur is an unsecured loan that provides financial assistance to the customers at affordable interest rates. To avail a Personal Loan, the applicant requires to have a rigid and good source of income and has a good credit history.

In addition, there is no end-use restriction on the use of the personal loan amount. You can use this loan amount anywhere you wish to do.

Personal Loan in Kolhapur 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 Required for Personal Loan in Kolhapur

Salaried Customers:

  1. Identity proof (Aadhaar card/driving license)
  2. Salary slips of last three months
  3. Bank statements for the last 6 months
  4. PAN Card
  5. Residence Proof (Owned/Rented/Company provided)
  6. Passport-sized photographs – 2

*NOTE: In case of rented apartments, the rent agreement requires to be attached.

Self-Employed Customers:

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

personal loan at 10.75%*

Personal Loan in Kolhapur Eligibility Criteria

The eligibility criteria for both Salaried and Self-Employed for availing a personal loan in Kolhapur are different:

Salaried Applicants

  1. The minimum age requirements of the individual should be 21 years and a maximum of up to 60 years.
  2. The applicants must have the work experience of the three years. And the salary should come into their accounts only.
  3. The applicants must have a good credit history.
  4. The job location of the candidate should be mentioned.
  5.  A borrower should have a minimum income of INR 25,000 per month.

Click here to know more about- Salaried Applicant

Self-Employed Applicants

  1. The minimum age requirement for an individual should be 25 years.
  2. The applicants applying for the personal loan must show the ITR files for the last three years.
  3. If the applicants are the businessman, then the business should be functioning from the past three years.
  4. The credit score of the applicants should be good. There should not be any debt or dues behind.
  5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
  6. The whole documentation process of the personal loan is the applicants have to submit his financial and his bank statement of the previous three months.

Click here to know more – Self-employed Applicant

Why Apply for Personal Loan in Kolhapur?

  1. There is no requirement to deposit any mortgage and collateral security to the bank.
  2. A personal loan is a multi-purpose offer loan. It can be used for all the financial problems.
  3. The amount of personal loan depends upon individual income and capacity.
  4. A Personal Loan does not require any nominee.

How to apply for Personal Loan in Kolhapur?

  1. Visit www.dialabank.com.
  2. Visit the loan section and click on the personal loan link.
  3. The candidate will be directed to all details of the personal loan where you can pick the preferred city.
  4. For more information and free assistance, call on 9878981166.

personal loan at 10.75%*

Processing Fees/ Prepayment Charges on Personal Loan in Kolhapur

Every Bank and NBFC charges a processing fee for your Personal Loan Kolhapur application. Charges are 1% of the loan amount for the processing of Personal Loan Kolhapur.

In case you want to foreclose your loan before the agreed loan tenure, every lending foundation charges you a penal prepayment fee. In most cases, you can’t close your loan before 12 months. After that, the charges vary depending on how many years the loan has done. These charges differ from 4% in the 2nd year to 2% in the 4th year of the outstanding loan amount.

Personal Loan EMI Calculator Kolhapur

Equated Monthly Installments(EMI) is the monthly fixed payments that you pay to the bank for the loan amount borrowed. Based on your profile, the interest rate on your loan is altered. Your EMI is the calculated basis on the Interest Rate you are charged by the bank and the amount of loan you have to take and the period for which you enjoy the loan.

CIBIL Score required for Personal Loan Kolhapur

Every lending institution has its own criteria for the minimum CIBIL score requirement for processing a Personal Loan Kolhapur application. Most institutions need a minimum score of 750 to process a Personal Loan Kolhapur application.

The institutions don’t just look at the comprehensive score but also the detailed behavior observed on the previous loans taken. This incorporates details on the type of loan taken and the amount borrowed. Any late payments for previous loans can act as an obstacle to your availing a fresh loan.

personal loan at 10.75%*

Personal Loan Kolhapur Agents/Broker

Dialabank is the leading agent for availing Personal Loan in Kolhapur. Apply online at www.dialabank.com or dial 9878981166.

Dialabank helps you to find out the best option of Banks and NBFCs by offering you with a detailed market comparison of different banks so that you can make the right choice. Visit our website www.dialabank.com and fill a simple form by filling your personal and employment details. Our customer relationship managers will soon get in touch with you.

Personal Loan Kolhapur Contact Number

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

Pre Calculated EMI Table for Personal Loan Kolhapur

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 Kolhapur

Kolhapur is a city in the Indian state of Maharashtra. It is the headquarters of Kolhapur district. Earlier to Indian Independence, Kolhapur was a nineteen gun salute, princely state called Kolhapur State, and was controlled by the Bhosale Chhatrapati (Bhosale royal clan) of the Maratha Empire.

FAQs About Personal Loan Kolhapur

Who can apply for a Personal Loan in Kolhapur?

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 Kolhapur.

What is the tenure of Personal Loan in Kolhapur?

Most of the Banks and NBFCs provide a Personal Loan for a minimum duration of 1 Yr and a maximum duration of 5 Years. There are some Banks which expand the maximum period to 7 Years also. The tenure is fixed and cannot be extended. The loan amount 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 Kolhapur?

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

Processing Fee: For every bank or lending institution that you borrow a loan from, there is a small fee that they charge from the consumer. This is called as Processing Fee. The amount of processing fee differs for each lending institution and is normally 1% of the loan amount.

Pre-closure Charges: Whenever you wish to close a running loan before its agreed tenure period, the Banks and NBFCs charge a supplementary amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges alter on how many years has your loan completed before you decide to pre-close it.

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

Since Personal Loan is a less secured loan, one of the most important criteria for getting your Personal Loan application approved is the CIBIL Score. Having a High CIBIL score becomes important if you want to avail of a Personal Loan in the future. Make sure you don’t skip any of your EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections happen because of a low CIBIL Score.

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