Major Personal Loan Providers in Kulathumuzhy
- Interest Rate 10.50% – 18.50%
- Loan Upto 50 Lacs
- Tenure 1 – 5 Years
- Processing Fee Upto 2.0%
- Min Salary ₹ 18,000 p.m.
- Online Approval
- Interest Rate 11.99% – 17:00%
- Loans Upto 30 Lacs
- Tenure 1 – 5 Years
- Processing Fee up to 2.0%
- Min Salary ₹ 27,000 p.m.
- Flexi Loans available
- Interest Rate15.99 – 23.00%
- Loans Upto 20 Lacs
- Tenure 1 – 4 Years
- Processing Fee up to 3.0%
- Min Salary ₹ 18,000 p.m.
- Digital Approval
- Interest Rate 10.99% – 18.50%.
- Loans Upto 35 Lacs
- Tenure 1-5 Years
- Processing Fee up to 2.5%
- Min Salary ₹ 25,000 p.m.
- Instant Approval
Personal Loan Kulathumuzhy Features
Personal Loan Kulathumuzhy is handy in many conditions. If you want to purchase but don’t have money, a personal loan can help you get the amount instantly. There are different kinds of personal loans which serve different purposes. Understanding the finer details can help you find the right loan for you. Unsecured loans tend to be for smaller amounts and aren’t tied to an asset. They can be helpful if you want to borrow for a home renovation or family holiday and repay over some time.
Personal Loan Kulathumuzhy Interest Rates
|Lender Type||Salaried||Self Employed||Self Employed Professional|
|Banks||10.50% – 19.0 %||14.50% – 21.0 %||12.50% – 20.0 %|
|NBFCs||12.5% – 22.0%||15.5% – 24.0%||13.5% – 23.0%|
Personal Loan Kulathumuzhy Documents Required:
- Photo ID and age proof
- Residence proof: Passport | ID card | Voter card | Aadhaar card |Ration card| Driving license | Rental Agreement.
- Last 6 Months Bank Statement.
- Last 3 months payslip.
- Form 16 or Income Tax Returns.
- Last Three Years ITR with computation of Income.
- Last Three years CA Certified / Audited Balance Sheet and Profit & Loss Account.
Personal Loan Kulathumuzhy Eligibility Criteria:
The eligibility criteria for both Self-Employed and Salaried are different:
- Min. age requirements of individuals should be 21 years and Max. up to 60 yrs.
- The loan applicants have work experience of three years, and the salary should be coming in their accounts.
- The applicants must have an excellent CIBIL score.
- The job Posting location of the loan applicant must be mentioned.
- A borrower should have min. income in the metro city 20K and in non -metro city 18K
Self-Employed Loan Applicant.
- The minimum age requirement for a person should be 25 yrs.
- The loan applicants applying for the personal loan should file ITR for the last three years.
- If the applicants are businessmen, then the business should be running at least for the past 3 yrs.
- The CIBIL score of the loan applicants should be good. There should not be any dues or debt pending.
- The yearly income of the applicants should be min. of Rs 2.5 lakh.
- The whole documentation process for a personal loan is the applicant has to provide his all financial and bank statement of the previous 6 months.
Why Apply for Personal Loan Kulathumuzhy?
Reasons To Apply For A Personal Loan. A personal loan is a convenient way to borrow funds. It is meant to be used for Personal requirements or emergencies and not for investment or business purposes.
- To renovate your home
- To finance a long-awaited family trip
- To fund an urgent medical Emergency
- To consolidate debts
- To pay off your credit card dues
How to Apply for Personal Loan Kulathumuzhy
Visit dialabank.com and click on the Personal Loan link.
Fill the Application form and submit it.
Wait for a call from our highly experienced Relationship Managers and get a personalised service for availing Personal Loan.
Compare and choose between Personal Loans of different banks across the country and choose the one which is the most suitable for you.
You do not need to visit the branch for submitting your documents as the bank provides doorstep pick up facility for your documents when you apply online.
Processing Fee / Prepayment Charges on Personal Loan Kulathumuzhy
Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges vary between 1.5% to 2.5% of the sanctioned loan amount.
In case you wish to foreclose your loan before the agreed loan tenure, every lending institution charges you a penal prepayment fee. In most cases, you cannot close your loan before 12 months. Post that the charges vary depending on how many years the loan has done. These charges vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the loan.
Processing Fees /Prepayment Charges on Personal Loan Kulathumuzhy
Processing Fee: It can be 0 to 2.5% depending upon the loan amount, job profile and tenure.
Prepayment Charges: It can be 0 to 4% depending upon loan amount, job profile and tenure.
CIBIL Score required for Personal Loan Kulathumuzhy
Higher credit score is better chances of personal loan approval. Your credit score is a three-digit number between 300 and 900 that gives potential lenders a quick idea of your credit health. CIBIL score of 750 and above is what is considered a good CIBIL score for getting loan approval. Your score plays an important role in your financial journey and affects various aspects of lending.
Personal Loan Kulathumuzhy Agent
Dialabank is the best agent for availing Personal Loan in Kulathumuzhy. You can apply online at Dialabank or give a call at 9878981166
Dialabank assists you to find the best option for Banks and NBFCs by providing you with a detailed market comparison of multiple banks so that you can make the right choice. Visit our website Dialabank and fill a simple form with your personal and employment details. Our customer relationship managers will soon get in touch with you.
Personal Loan Kulathumuzhy Contact Number
Call on 9878981166 and get instant help and approval for a Personal Loan in Kulathumuzhy.
Pre Calculated EMI Table for Personal Loan Kulathumuzhy
EMI in Rupees for 1 Lac of Loan Amount:
|Rate||5 Yrs||4 Yrs||3 Yrs|
Kulathumuzhy Kerala is located in Kerala state, Kollam district, Kollam city. It is a famous city in Kerala state. It is a part of the Kollam District.
Table of Contents
- 1 Major Personal Loan Providers in Kulathumuzhy
- 2 Personal Loan Kulathumuzhy Features
- 3 Personal Loan Kulathumuzhy Interest Rates
- 4 Processing Fee / Prepayment Charges on Personal Loan Kulathumuzhy
- 5 CIBIL Score required for Personal Loan Kulathumuzhy
- 6 Pre Calculated EMI Table for Personal Loan Kulathumuzhy
- 7 About Kulathumuzhy