Personal Loan Nashik

⋆ 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 Nashik

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 Nashik Features

Personal Loan Nashikpersonal loan nashik Do not worry about the cash shortage. Personal Loans are here to your rescue. This loan is unsecured in nature which means no form of security is necessary with minimal documentation and less paperwork.

This loan gets approved within a period of 48 hours after the verification process. Personal Loan Nashik is a loan that provides financial aid to all the customers at affordable interest rates.

To get a Personal Loan, the applicant needs to have a  good source of income and a trustworthy credit record.

Furthermore, a personal loan does not impose any end-use restriction.

Personal Loan in Nashik 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 Nashik

Salaried Customers:

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

Self-Employed Customers:

  1. Necessary financial records of your operating business
  2. PAN Card, Aadhar Card both of which are necessary
  3. Residence Proof of your current residence
  4. Two passport-sized colored photographs

personal loan at 10.75%*

Personal Loan in Nashik Eligibility Criteria

The eligibility criteria for both Salaried and Self-Employed are different:

Salaried Applicants

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

Click here to know more about- Salaried Applicant

Self-Employed Applicants

  1. A minimum of Rs 2.5 lakh income.
  2.  25 years of minimum age.
  3. Last 3 years ITR.
  4. For a businessman, the business should be active for the past three years.
  5. The credit score of the applicants should be good.
  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

How to apply for Personal Loan in Nashik?

  1. Visit www.dialabank.com.
  2. Go to the loan section
  3. Click on the personal loan link.
  4. The applicant will be directed to the personal loan details page.
  5. Choose their preferred city.
  6. For free guidance, call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan in Nashik

Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges are 1% 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. Following that the bank charges vary depending on the years the loan has done. These generally vary between 4% of the outstanding loan amount in the 2nd year and 2% in the 4th year of the loan.

Personal Loan EMI Calculator Nashik 

Equated Monthly Installments also know as EMI are the monthly fixed charges that you pay to the bank as monthly repayment for the loan amount borrowed.  Based on your profile, the interest rate on your loan is determined. Your EMI is calculated basis the Rate of Interest 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 Nashik

Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Nashik. Most institutions require a least score of 750 points to process your loan application.

The institutions don’t just look at the total score but also at the detailed behavior on the previous loans taken. This includes details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can be a barrier to availing of a fresh loan.

personal loan at 10.75%*

Personal Loan Nashik Agents/Broker

Dialabank is the leading agent for availing Personal Loan in Nashik. You can also apply online at www.dialabank.com or give us a call at 9878981166

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

Personal Loan Nashik Contact Number

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

Pre Calculated EMI Table for Personal Loan Nashik

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 Nashik

Personal Loan Nashik

Nashik, the ancient holy city in Maharashtra, a state in western India is known for its links to the “Ramayana”, the Hindu epic poem. Nearby, Lord Rama had bathed at Ram Kund water tank, the place is today attended by Hindu devotees. On the Godavari River is Panchavati, the famous temple complex. Shri Kalaram Sansthan Mandir is an ancient shrine dedicated to Rama. Lord Rama and his better half Sita are said to have worshipped at Sita Gufaa caves.

FAQs About Personal Loan Nashik

Who can apply for a Personal Loan in Nashik?

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 Nashik.

What is the tenure of Personal Loan in Nashik?

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 Nashik?

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

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 1% of the loan amount.

Pre-closure Charges: Whenever you want to close a running loan before its agreed 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 Nashik get rejected due to my CIBIL score?

Since Personal Loan is an unsecured loan, one of the most important 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 skip 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 happen due to a low CIBIL Score.

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