Personal Loan Nainital

⋆ Interest Rate 9.99% ⋆

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      Table of Contents

      Personal Loan Nainital

      Major Personal Loan Providers in Nainital

      Feature HDFC Bank ICICI Bank Bajaj Finance
      Interest Rate 10.75% - 17% 11.25% - 18.5% 0.12
      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 Nainital Features

      personal loan Nainital

      If you are facing some financial issues, then a Personal Loan can resolve all your financial issues. Almost all banks provide the Personal Loan in Nainital at an affordable rate of interest. The loan application process is quick and easy. With the help of Dialabank, you can easily get a Personal Loan at a low-interest rate. Scroll to check the required documentation and calculate your EMIs.

      Personal Loan Nainital 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 0.01 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 Nainital Documents Required

      Salaried Applicants:

      1. The applicants will have to submit identity proof.
      2. The salary slips for the last three months will be required. Thus the applicants should make sure that they receive their salaries only through their bank accounts.
      3. The applicant will also have to submit their bank statements for the last 6 months so that the banks and NBFCs can know about their financial stability.
      4. A residence proof for an owned, rented, or company-provided apartment or flat will be required. In addition, a rental agreement in case of rented apartments will be necessary.
      5. Lastly, 2 Passport-sized photographs of the applicant according to the required guidelines have to be submitted.

      Self-Employed Applicants:

      1. For self-employed applicants, all financial statements such as the Balance Sheet and P&L Statement for the last three months, as well as ITR files of the last three years, will be required.
      2. Any identity proof will have to be submitted by the applicant
      3. A residence proof for an owned, rented, or company-provided apartment or flat will be required. A rental agreement in case of rented apartments will be necessary.
      4. Lastly, 2 Passport-sized photographs of the applicant according to the required guidelines have to be submitted.

      personal loan at 10.75%*

      Personal Loan Nainital Eligibility Criteria

      Click here to know more about Personal Loan eligibility

      Salaried Applicants

      1. Age criteria – 21 to 60 years
      2. work experience – minimum 3 years
      3. the minimum required CIBIL score
      4. The job location of the applicant
      5. minimum income criteria – Rs. 25,000 per month

      Self-Employed Applicants

      1. Age criteria – 25 to 60 years
      2. minimum business operation period – 3 years
      3. the minimum required credit score
      4. minimum income – Rs. 2.5 lakhs per annum

      Why Apply for Personal Loan Nainital?

      A Personal Loan in Nainital is advantageous for you as:

      1. It will help you in any situation such as a family wedding, medical expenses, your child’s education
      2. The loan tenure can extend up to as long as 60 months
      3. Easy repayment options
      4. affordable EMIs and interest rates
      5. No collateral required
      6. quick disbursal

      How to apply for Personal Loan Nainital?

      1. The process to apply for a Personal Loan at Dialabank is quick and hassle-free
      2. Apply through our website and provide us with some details
      3. Our experts will give you a call on your number.
      4. We are available to solve all your queries.
      5. You can call us at 9878981166.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Nainital

      Almost all banks and NBFCs charge a processing fee to process your sanctioned loan amount, and this usually ranges from 1% to 2.5% of the loan amount

      Prepayment happens when you wish to prepay a part of your loan before the tenure ends, and foreclosure happens when you wish to pay your entire lump sum before the tenure ends. These options help you reduce the burden of your EMIs, but for these, banks often charge you a minimal charge, typically 4% of the loan amount in the initial years.

      However, you can not opt to prepay or foreclose your loan amount before at least 12 months after your loan gets disbursed.

      To know about the interest rate, click on Personal Loan interest rate

      Personal Loan Nainital EMI Calculator

      The most common way to repay your loan is through Equated Monthly Installments. Dialabank brings you an EMI calculator to help you calculate your EMIs beforehand and plan your repayment accordingly.

      CIBIL Score required for Personal Loan Nainital

      A CIBIL score measures your repayment ability. A good credit score shows that you have a good credit history and show that you are a punctual borrower. This is the first thing that the banks and NBFCs consider to avoid bad debts. You need to have a minimum credit score of 750 to easily avail yourself of a Personal Loan with low interest rates.

      In case you fail to repay your loan, your CIBIL score will be affected negatively, and this will make it difficult for you to avail of a loan again for a considerable period of time.

      personal loan at 10.75%*

      Personal Loan Nainital Contact Number

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

      Pre Calculated EMI Table for Personal Loan Nainital

      Click here for the 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 Nainital

      Nainital is located in the Kumaun foothills, in a valley with the eye-shaped Nainital lake and the highest peak, the Naina peak. It is the judicial capital of Uttarakhand and is also a very famous hill station which attracts tourists round the year. In addition, it is a religious center with many places of worship such as the Jama Masjid, the Naina Devi temple, the St. John Wilderness Church, etc.