Personal Loan Shimoga

⋆ 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
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      Table of Contents

      Best Banks for Personal Loan in Shimoga

      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 Shimoga Features

      Personal loan Shimoga

      Do you need money for Foreign trips? Do you need money for the renovation of the house or building? So you can apply for a personal loan. This loan is a quick or instant loan that can be provided without any collateral pledge and for your immediate needs, emergency needs such as medical expenses, or uncertain financial expenses.

      This Personal loan Shimoga provides flexibility in the use of funds as per your needs. The loan is provided to those individuals who are having good CIBIL scores or sound or valid credit history.

      Personal Loan Shimogais an unsecured loan that provides financial aid or support to the customers at affordable and best interest rates. To get a Personal Loan Simoga, the applicant needs to have the required documents and has good credit transaction records.

      Furthermore, there is no end-use restriction on the use of the personal loan Shimoga amount. You can use this loan amount anywhere you want to do for any particular event or thing you want to spend.

      Personal Loan in Shimoga 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 Shimoga Documents Required

      Salaried Customers:

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

      *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. PAN Card
      3. Aadhar Card
      4. Residence Proof
      5. Two passport-sized photographs

      personal loan at 10.75%*

      Personal Loan in Shimoga Eligibility Criteria

      The Personal Loan Eligibility criteria for both Salaried and Self-Employed individuals of Shimoga are different:

      Salaried Applicants

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

      Click here to learn more about- Personal Loan Salaried Applicant

      Self-Employed Applicants

      1. The minimum age requirement for an independent person should be 25 years.
      2. The applicants applying for the personal loan Shimoga should file ITR for the last three years.
      3. If the applicants are the businessman, then the business should be running from the past three to five years.
      4. The credit score of the individual applicants should be good, and there should not be any pending dues left.
      5. The annual income of the applicants should be a minimum of Rs 2.5 lakh.
      6. The whole documentation process of the personal loan Shimoga is the applicants have to submit his financial and his bank statement of the previous three months.

      Click here to know more –Personal loan Self-employed Applicant.

      Why Apply for Personal Loan Shimoga?

      1. There is no need to deposit any mortgage and asset security to the bank.
      2. A personal loan Shimoga is a multi-purpose offer loan. It can be used for all the problems related to finance.
      3. The amount of personal loan depends upon the repayment of individual income and capacity.
      4. A Personal Loan Shimoga does not require any guarantor or nominee.

      How to apply for Personal Loan Shimoga?

      1. Visit www.dialabank.com.
      2. Go to the loan section then, click on the personal loan link.
      3. The applicant will be provided with all details of the personal loan where you can choose your preferred city.
      4. For more information and free guidance, you may call us on 9878981166.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Shimoga 

      Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges vary between 1% of the sanctioned Personal loan Shimoga 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 Personal loan has been done. These charges may vary from 4% of the outstanding loan amount in the 2nd year to 2% in the 4th year of the Personal loan.

      Personal Loan Shimoga 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 personal loan amount borrowed. Based on your profile, the interest rate on your Personal loan Shimoga is determined. Your EMI is calculated using personal loan EMI calculator 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.

      CIBIL Score required for Personal Loan Shimoga 

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

      The institutions don’t just look at the overall score but also the detailed behavior on the previous loans taken. This includes details on the type of loan taken and the amount of Personal loan Shimoga borrowed. Any delayed payments for previous loans can act as a barrier to your availing a new loan.

      personal loan at 10.75%*

      Personal Loan Shimoga Agents and Contact Number

      Dialabank is the leading agent for availing Personal Loan Shimoga. You can apply online by visit at www.dialabank.com or give a call at 9878981166

      Dialabank helps you to find the best option of Personal loans Shimoga Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice. Visit our website and avail the best offers on personal loan click on www.dialabank.com and fill a simple form with your personal information and employment details. Our customer relationship managers will soon get in touch with you to assist you.

      Call 9878981166 and get instant help and approval for Personal Loan Shimoga.

      Pre Calculated EMI Table for Personal Loan Shimoga 

      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 Shimoga 

      Shimoga (Shivamogga) is a city or place in Karnataka state, southwest India. Shivappa Nayaka Palace Museum has 16th- to 18th-century stone carvings displayed on its lawns. Nearby is the huge, modern Sacred Heart Cathedral. Mandagadde Bird Sanctuary is home to species such as egrets and cormorants. The Bhadra Wildlife Sanctuary shelters elephants, tigers and panthers. Northwest of Shimoga is the powerful, towering Jog Falls.

      Other Cities For Personal Loan In Karnataka

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