Personal Loan Thoothukudi

⋆ 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 Thoothukudi

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 Thoothukudi Features

personal loan thoothukudiAre you in need of urgent money to recover from a financial situation? Do not worry, apply for a personal loan, and meet all your financial needs.

A personal Loan Thoothukudi is a type of unsecured loan that a person can avail based upon their monthly income and CIBIL score without the need to submit any collateral security with the lender. It gets disbursed within 48 hours by applying with Dialabank and the loan amount sanctioned is transferred in the account of the applicant without any hassle.

Personal Loan in Thoothukudi 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

Documents required for Personal Loan in Thoothukudi

Salaried Customers:

  1. Identity proof (Aadhar card/driving license)
  2. Salary slips of last three months
  3. Bank statements for the last 6 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%*

Eligibility Criteria for Personal Loan Thoothukudi

The eligibility criteria for both Salaried and Self-Employed are different in the case of Personal Loan Thoothukudi:

Salaried Applicants

  1. The minimum age requirement of the individual for getting Personal Loan Thoothukudi should be 21 years and a maximum of up to 60 years.
  2. The applicants must have work experience of three years. And the salary should be received in their respective bank accounts only.
  3. The applicants must have an excellent credit history.
  4. The job location of the applicant should be mentioned.
  5.  In a metropolitan city, a borrower should have a minimum income of Rs. 18,000 and in non-metro city minimum income should be Rs. 12,000

Self-Employed Applicants

  1. The minimum age requirement for an independent person should be 25 years.
  2. The applicants applying for the personal loan should file ITR for the last three years.
  3. If the applicant is a businessman, then the business should be running for the past three years.
  4. The credit score of the individual applicants should be good. There should not be any debt or dues left in past.
  5. The annual income of the applicant should be a minimum of Rs 2.5 lakh.

Why Apply for Personal Loan Thoothukudi?

  1. There is no need to deposit any mortgage and collateral security to the bank.
  2. A personal loan 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. Personal Loan does not require any guarantor or nominee.

How to apply for Personal Loan in Thoothukudi?

To apply for an Instant Personal Loan Thoothukudi, Applicants don’t need to visit the bank’s branch as applicants can apply for it online at DialaBank.com.

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

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan in Thoothukudi

Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges are 1% of the loan 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 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 EMI Calculator Thoothukudi

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 on your loan is determined. Your EMI is calculated 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.

To calculate your EMI: Personal Loan EMI Calculator

CIBIL Score required for Personal Loan Thoothukudi

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

Dialabank is the leading agent for availing Instant Personal Loan in Thoothukudi.

You can apply online at www.dialabank.com or give a call at 9878981166.

Personal Loan Thoothukudi Contact Number

Call 9878981166 and get instant help and approval for Personal Loan in Thoothukudi.

Pre Calculated EMI Table for Personal Loan Thoothukudi

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 Thoothukudi

Thoothukudi is a port city and a municipal corporation and an industrial city in Thoothukudi district in the Indian state of Tamil Nadu. The city lies in the Coromandel Coast of Bay of Bengal. Thoothukudi is the capital and headquarters of Thoothukudi district.

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