Personal Loan Shopian

⋆ 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 Shopian

      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 Shopian FeaturesPersonal Loan Shopian

      You can keep the entire amount and pay interest solely on the transfer made to your bank account. Get a credit deadline head-up with each repayment. Make money immediately as we will transfer it to your bank account in the least feasible period subsequently passing by a confirmation of the documents presented by you.

      Personal Loan Shopian provides money associated guidance at comfortable on the pocket interest rates. To get a loan, the applicant is needed to have a reliable pay and a fair record of his or her credit profile to smoothly enjoy the benefit of your loan amount.

      To apply for a personal loan, Shopian click on Personal Loan

      Personal Loan Shopian 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 Shopian

      Salaried Customers:

      1. Identity proof
      2. Salary statements of the past 3 months
      3. Bank statements for the last 6 months
      4. PAN
      5. Proof for Residence
      6. 2 Passport-size photographs

      *NOTE: If one lives in rented apartments, rental agreement to be attached.

      Self-Employed Customers:

      1. All financial statements (including Balance Sheet, P&L Statement and ITR files)
      2. PAN Card
      3. Aadhar Card
      4. Residence Proof
      5. 2 Passport-sized photographs
      personal loan at 10.75%*

      Eligibility Criteria for Personal Loan Shopian

      Salaried Applicants

      1. The candidate should have a decent credit history.
      2. The age of the candidate ought to be between 21-60 years.
      3. The applicant must have work experience of 3 years and the compensation should be mentioned in records.
      4. The job location of the applicant must be mentioned along with a minimum income of at least INR 25,000 p.m.

      Click here to know more about personal loan eligibility for- Salaried Applicant

      Self-Employed Applicants

      1. The age of the person should be at least 25 years.
      2. The yearly income of the applicant should be minimum of Rs 2.5 lakh.
      3. The credit score of the applicant must be reliable with no pending dues.
      4. The verification process requires the applicants to submit their financial and bank statement of the past 3 months.
      5. The applicant must pay ITR for the past 3 years; whereas, for a businessman, the business should be operating from the past 3 years.

      Click here to know more about the personal loan eligibility for– Self-employed Applicant

      Why Apply for Personal Loan Shopian?

      1. There is no requirement of mortgage or collateral as bank security.
      2. The amount of loan is entirely based on your repayment capacity.
      3. This type of loan does not require any nominee or guarantor.
      4. A personal loan can be put to use for any kinds of issues because of its multipurpose nature.

      How to apply for Personal Loan Shopian?

      1. Visit our website: www.dialabank.com.
      2. Go to loan section and then click the personal loan link, which will direct you to the personal loan details wherein you select your city.

      For more information, contact 9878981166.

      personal loan at 10.75%*

      Processing Fee / Prepayment Charges on Personal Loan Shopian

      All lending institutions cost a certain fee to process your application, varying between 1.5% to 2.5% of the availed amount.

      In case you wish to close your credit before the maturity period, a penalty will be charged as a prepayment expense. These charges vary depending on the number of years the loan has been withdrawn before, which changes from 4% of the rest of the sum; in the second year to 2% in the fourth year of the loan.

      To know about the interest rates, visit personal loan interest rate

      Personal Loan Shopian EMI Calculator

      CIBIL Score required for Personal Loan Shopian

      Most of the lending institutions need a minimum score of 750 that is needed to process a Personal Loan application Shopian.

      They also look at an elaborated view of the previous loans including the type of loans and the amount of money borrowed. If there exists any delay in the payments of the previous loans, it may hinder the approval of the new loan.

      personal loan at 10.75%*

      Personal Loan Shopian Agents

      Dialabank is one of the trustworthy agents for availing Personal Loan in Shopian. One can apply online at www.dialabank.com or contact 9878981166

      We assist you with the best option of Banks and NBFCs by giving an in-detail market comparable analysis of various banks. Visit our website and fill out a simple form with the details of personal and employment data so that our customer relationship managers will be able to get in touch with you.

      Personal Loan Shopian Contact Number

      Contact 9878981166 and get assistance for Personal Loan Shopian.

      Pre Calculated EMI Table for Personal Loan Shopian

      Click personal loan EMI calculator

      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 Shopian

      Shopian is the administrative division located in the valley of Kashmir.

      FAQs About Personal Loan Shopian

      Who can apply for a Personal Loan Shopian?

      People having an urgent need for cash and have a regular source of income can apply for a Personal Loan in Shopian.

      What is the tenure of Personal Loan Shopian?

      Most of the institutions provide a Personal Loan for min 1 Year and Max 5 Years. There are some Banks which extend the maximum period to 7 Years. The tenure is fixed and repayment has to be done in EMIs within the agreed tenure.

      Are there any other charges for Personal Loan Shopian?

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

      • Processing Fee: A lending institution charges a small fee from the customer, known as Processing Fee, which varies for between 1% and 2.5% of the loan amount.
      • Pre-closure Charges: The Banks and NBFCs charge an extra amount known as pre-closure charges in case you are closing the loan before decided period, which vary depending on how many years your loan has completed.

      Can my application for Personal Loan Shopian get rejected due to CIBIL score?

      Personal Loan, being an unsecured loan, CIBIL Score is looked after by the banks. Having a High CIBIL score becomes important if you wish to avail the loan in future. Make sure you don’t delay any of the EMI or credit card payments to avoid any decrease in CIBIL score as most of the Personal Loan reject due to a low CIBIL Score.

      Personal Loan Interest Rates: Updated 2020

      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 Other Cities of Himachal Pradesh

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