Personal Loan Shimla

⋆ Interest Rate 9.99% ⋆

Check Special Offers During COVID-19

I have read the Privacy Policy & Agree to Terms & Conditions and authorize Dialabank & its partner institutions to Call or SMS me with reference to my application.

Why us?

Rates as low as 9.99%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

Major Personal Loan Providers in Shimla

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 Shimla Features

Personal Loan Shimla

All your monetary shortage could be fulfilled in a few simple steps. Avail personal loan with minimum interest rate and no collateral as it is a type of unsecured loan.

The best way to overcome a financial obstacle is to procure a Personal Loan. Despite the financial crisis is a common trouble, a Personal Loan is an optimum solution to meet all the financial requirements. It is an unsecured loan that does not include any involvement of collateral as a security. The monetary funds achieved through a personal loan can be used for any personal purpose.

Personal Loan Shimla 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 for Personal Loan Shimla

Salaried Customers:

  1. Recent passport-sized photographs – 2
  2. The government authorized ID such as Aadhar Card/ Driving License/ Voter ID, etc.
  3. Salary slips of last three months
  4. Bank statements for the last 6 months
  5. PAN Card
  6. Residence Proof (Owned/Rented/Company provided)

*NOTE: In case of rents, rent agreement is mandatory.

Self-Employed Customers:

  1. Balance Sheet, P&L Statement aandTR files
  2. Proof of Identity: Aadhar Card/ Driving License/ Voter ID, etc.
  3. Address proof: Voter ID/ Electricity Bill/ Telephone bill
  4. Two passport-sized photographs
  5. PAN Card

personal loan at 10.75%*

Eligibility Criteria for Personal Loan Shimla

The eligibility criteria for both Salaried and Self-Employed are listed as follows:

Salaried Applicants

  1. Candidates age should go between 21 and 60 years 
  2. The candidates must have the work understanding of the three years and their pay ought to be gotten in their records as it were. 
  3. The candidates must have a superb record as a consumer. 
  4. The activity area of the candidate ought to be referenced. 
  5. CIBIL score of the candidate ought to be acceptable and ought not have any terrible record as a consumer

Self-Employed Applicants

  1. The borrower ought to be in any event 25 years old 
  2. The candidates applying for the individual credit should record ITR throughout the previous three years. 
  3. In the event that the candidates are the businessperson, at that point, the business ought to be running from the previous three years. 
  4. The credit rating of the individual candidates ought to be acceptable. There ought not to be any obligation or contribution left. 
  5. The yearly pay of the candidates ought to be at least Rs 2.5 lakh. 
  6. Money related and his bank articulation of the past a quarter of a year must be submitted

Get to know more about eligibility: Personal Loan Eligibility

Why Apply for Personal Loan Shimla?

  • As it is an unstable advance, no home loan or security store is required 
  • A Personal Loan doesn’t require any underwriter or candidate 
  • An individual advance is a multi-reason offer credit. It very well may be utilized for all the issues identified with the account. 
  • The measure of individual advance relies on the reimbursement of individual salary just as the CIBIL score

How to apply for Personal Loan Shimla?

  1. Visit www.dialabank.com.
  2. Go to the personal loan segment and snap on the individual advance connection. 
  3. The candidate will be coordinated to all subtleties of the individual credit where they can give the essential subtleties. 
  4. Our relationship chief will at that point gather the archives for checking the qualification and as needs be the offers will be given 
  5. For more data and free direction, you may approach 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Shimla

Each Bank and NBFC charges an expense for handling your Personal Loan application. These charges fluctuate between 1.5% to 2.5% of the endorsed advance sum.

Personal Loan Shimla EMI Calculator

Equated Monthly Installments (EMI) are a mode of repayment on a monthly basis Based on your profile as well as CIBIL score, the financing cost on your advance is resolved. Your EMI is determined premise the Interest Rate you are charged by the bank and the measure of credit you need to take and the period for which you appreciate the advance.

Click here to know more about calculating EMI: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Shimla

Each loaning foundation has its own rules for the base CIBIL score required for handling a Personal Loan application in Delhi. Most organizations require a base score of 750 to process your credit application. 

The foundations don’t simply take a gander at the general score yet, in addition, the definite conduct on the past credits taken. This remembers subtleties for the kind of advance taken and the sum obtained Delay in the payments or bad credit history may create problems in availing fresh loans.

personal loan at 10.75%*

Personal Loan Shimla Agents

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

Personal Loan Shimla Contact Number

Call 9878981166 and get immediate approval for Personal Loan in Shimla.

Pre Calculated EMI Table for Personal Loan Shimla

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 Shimla

The capital city of the state Himachal Pradesh, Shimla is a popular tourist destination throughout the year. Numerous places of attraction and pleasant weather with natural beauty make it a perfect holiday retreat.

 

Menu