Personal Loan Ramanathapuram

⋆ 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 Ramanathapuram

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 Ramanathapuram Features

Personal Loan RamanathapuramIf you are sacrificing your dream due to the financial crisis, and you think that there is no hope for you to fulfil those dreams, a Personal Loan will push you to gain confidence again and believe in those dreams. It is an instant loan that an individual can avail within 48 to 72 hours. Personal Loan requires minimum documentation for the approval of the personal loan

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

Personal Loan in Ramanathapuram Interest Rates and Charges 

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

Personal Loan in Ramanathapuram Documents Required 

Salaried Customers:

  1. Address proof: passport/ID card/ Voter card/ Aadhar card/ration/card/driving license
  2. Proof of residence: If the applicants are living in rental apartments then has to submit his agreement, electricity bill on his name, and address of the owner.
  3. Two coloured passport size photos:(Applicants should not wear any glasses)
  4. Under KYC  formality: every applicant has to submit his pan card, which is an essential document.
  5. Income proof: The applicants have to his salary slip of the last three months and bank statement for the last six months.
  6. Identity proof: Passport/ID card/ Voter card/ Aadhar card/ration/card/driving license

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

Self-Employed Customers:

  1. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
  2. Address proof: passport/ID card/ Voter card/ Aadhar card/ration/card/driving license
  3. Proof of residence: If the applicants are living in rental apartments then has to submit his agreement, electricity bill on his name, and address of the owner.
  4. Two coloured passport size photos:(Applicants should not wear any glasses)
  5. Under KYC  formality: every applicant has to submit his pan card, which is an essential document.
  6. Identity proof: Passport/ID card/ Voter card/ Aadhar card/ration/card/driving license

personal loan at 10.75%*

Personal Loan in Ramanathapuram Eligibility Criteria

The eligibility criteria for both Salaried and Self-Employed vary in the following ways:

Salaried Applicants

  1. The applicants must have the work experience of the three years and the salary should be received in their accounts only.
  2. The job location of the applicant should be mentioned.
  3. Age of the borrower should be between 21 to 60 years.
  4. The applicants must have a decent credit history.
  5. A good CIBIL Score is a must for approval of the personal loan

Self-Employed Applicants

  1. The applicants applying for the personal loan should file ITR for the last three years.
  2. The minimum age should be 25 years.
  3. The credit score of the individual applicants should be good. There should not be any debt or dues left.
  4. If the applicants are the businessman, then the business should be running from the past three years.
  5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
  6. All the bank and financial statements of the previous 3 months to be submitted

Click here to know more about eligibility: Personal Loan Eligibility

Why Apply for Personal Loan Ramanathapuram?

  1. As it is an unsecured loan, no mortgage or collateral needs to be deposited.
  2. A personal loan is a multi-purpose offer loan and can be used for anything whatsoever
  3. The amount of personal loan depends upon the repayment capability and income of the applicant
  4. A Personal Loan does not require any guarantor or nominee.

How to apply for Personal Loan Ramanathapuram?

  1. Visit dialabank.
  2. Go to the loan section and click on the personal loan link.
  3. The applicant will be directed to all details of the personal loan where they can choose their preferred city. Fill in all the necessary details
  4. Our relationship managers will then revert back to you for checking the eligibility and provide you with the suitable offers
  5. For more information call us on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Ramanathapuram

Processing of personal loan application requires an amount known as processing fees that are charged by the bank to the borrower. 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.

Personal Loan Ramanathapuram EMI Calculator

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 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.

Get to know more about EMI Calculator: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Ramanathapuram

CIBIL score is an important criterion for loan approval. Different banks have different CIBIL Score requirements. Most lending establishments require a minimum score of 750 to approve your loan application.

The banks don’t just gander at the overall score but also the detailed behaviour on the history of the loan including details on the type of loan taken and the amount borrowed. Any delayed payments for previous loans can act as a barrier to your availing a fresh loan.

personal loan at 10.75%*

Personal Loan Ramanathapuram Agents

Dialabank is the leading agent for availing Personal Loan in Ramanathapuram. You can apply online at dialabank or give a call at 9878981166

Personal Loan Ramanathapuram Contact Number

Call 9878981166 and get Instant Personal Loan in Ramanathapuram.

Pre Calculated EMI Table for Personal Loan Ramanathapuram

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 Ramanathapuram

Ramanathapuram is a coastal city in the state of Tamil Nadu famous for its many historic temples and structures. Rameswaram, Pambal Bridge,Dr APJ Abdul Kalam’s Memorial, Thiruppullani, Devipattinam, Thiruuthirakosamangai, and Erwadi are some of the major tourist attraction spots in the city.

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