Personal Loan Theni

⋆ 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 Theni

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 Theni Features

Personal Loan TheniIf 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.

Personal Loan is a loan which can be used to fulfil any personal financial requirement. It is preferred over other types of loans as it does not require any collateral or any other type of asset as a security to the bank. The bank will analyze the applicant’s repayment capabilities and based on that the loan amount will be decided.

Personal Loan in Theni 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 Theni Documents Required 

Salaried Customers:

  1. Identity Proof: PAN Card/ Voter ID card/ Driving License /Aadhar Card/ Passport.
  2. Proof of Residence: Voter ID card/ Driving License/Passport/Rent Agreement/Water Bills/ Electricity Bills/Aadhar Card/ PAN Card
  3. Income Proof: Salary slips of last 6 month or bank account statements where you get your salary
  4. 2 recent passport size photographs

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

Self-Employed Customers:

  1. 2 recent passport size photographs (coloured)
  2. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
  3. Identity Proof: PAN Card/ Voter ID card/ Driving License /Aadhar Card/ Passport.
  4. Proof of Residence: Voter ID card/ Driving License/Passport/Rent Agreement/Water Bills/ Electricity Bills/Aadhar Card/ PAN Card
  5. Income Proof: If you are self-employed, you have to give your ITR statement for last 3 years.

personal loan at 10.75%*

Personal Loan in Theni Eligibility Criteria

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

Salaried Applicants

  1. Minimum and Maximum Age: 21 and 60 Years.
  2. Work Experience: Overall 3 years and 1-year experience in the current job.
  3. CIBIL Score must be more than 700.
  4. A person who gets his/her salary in cash is not eligible for availing Loan

Self-Employed Applicants

  1. Minimum and Maximum Age: 25 and 65 years.
  2. Should have filed for an annual ITR of 2.5 to 3 lakh.
  3. Residence: Should be owning an Office or Home.
  4. Business Stability: Your business should be operating for the last 3 years.
  5. CIBIL Score should be more than 700.

Click here to know more about eligibility: Personal Loan Eligibility

Why Apply for Personal Loan Theni?

  1. An applicant need not pledge any security or collateral
  2. The loan amount can be used as per the wish of the borrower
  3. A Personal Loan does not require any guarantor or nominee.
  4. The amount of personal loan depends upon the repayment capability and income of the applicant

How to apply for Personal Loan Theni?

  1. Visit dialabank.
  2. Apply for a personal loan online
  3. You 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 Theni

 Between 1.5% to 2.5% of the sanctioned loan amount is charged by the bank to the borrower for the processing of personal loan application known as processing fees.

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 Theni 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, period of the loan amount sanctioned for, and the amount of loan, EMI is determined.

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

CIBIL Score required for Personal Loan Theni

CIBIL score is an important criterion for the banks to decide about loan approval. Various banks have different CIBIL Score requirements but 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 loan’s history 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 Theni Agents

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

Personal Loan Theni Contact Number

Call 9878981166 and get Instant Personal Loan in Theni.

Pre Calculated EMI Table for Personal Loan Theni

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 Theni

Theni District is a district in Tamil Nadu state that lies in the Southern part of India. It is Located beside Madurai. The town of Theni is the district headquarters. The district is divided into 2 natural divisions: The hilly areas are formed by parts of the 3 taluk’s Periyakulam, Uthamapalayam and Andipatti with substantial vegetation and streams from the hills on the western side and Cumbum valley which lies in Uthamapalayam taluk.

Other Personal Loan Cities in Tamil Nadu

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