Personal Loan Shimla

⋆ 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

      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 shortages 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 and TR 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 are 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% 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 to 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 a 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.

       

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