Personal Loan Tirunelveli

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Why us?

Rates as low as 10.50%*
Loans Up to 30 Lacs
Same Day Disbursal
Doorstep Service
Unbiased Experts Advice

Major Personal Loan Providers in Tirunelveli

Feature
HDFC Bank
ICICI Bank
Bajaj Finance
Interest Rate
10.50% - 18.50%
10.75%
12%
Min Loan Amt
Metro : 75000 & Non Metro: 50000
25000
15000
Max Loan Amt
1 Cr
1 Cr
1 Cr
Loan Tenure
1 - 5 Years
9 months to 24 months
1 month to 24 months
Processing Fee
0.99% to 2.0% of the Loan Amt
0.25% to 1.50%
Nil
Preclosure Chgs
2%, Nil foreclosure charges after 3 months
2%, Nil foreclosure charges after 9 months
Nil
Overdraft Facility
Yes
Yes
Yes

Personal Loan Tirunelveli Features

Personal Loan TirunelveliPersonal Loan Tirunelveli is a big relief for all individuals who are in urgent requirement of Financial help. It gives Individuals the power to become financially Independent and move forward with their tasks in hand. Personal is a perfect solution to many financial issues that an individual faces during his life.

Benefits of Personal Loan Tirunelveli:

  • Easy to avail
  • Minimum documentation
  • Easy to avail
  • Less time required to complete the process

Personal Loan Tirunelveli 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 Tirunelveli

Salaried Customers:

  1. Personal Loan TirunelveliIdentity 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

Self-Employed Customers:

  1. PAN Card
  2. Aadhar Card
  3. Residence Proof
  4. All financials are required (Balance Sheet, P&L Statement as well as ITR files)
  5. Two passport-sized photographs

personal loan at 10.75%*

Eligibility Criteria for Personal Loan Tirunelveli

The eligibility criteria for both Salaried and Self-Employed are different:

Salaried Applicants

  1. The salary should be stable and regular.
  2. Age criteria: 21-60 years of age.
  3. Experience at Work Place: overall experience should be of 3 years and experience of 1 year in the current job.
  4. Most importantly, you should possess a CIBIL score of more than 700.
  5. Lastly, a person who gets his salary cash in hand is also not eligible for availing a personal loan. You must have your salary slips for proof.

Self-Employed Applicants

  1. The age of the borrower varies from 25 years to 65 years.
  2. Should have filed annual Income Tax Returns of 2.5 to 3 Lakh.
  3. Residence Proof: Should own an office or house of his own.
  4. Stability at Workplace: Should own a financially stable business that is being run from the last 3 years.
  5. Again, most importantly should possess a CIBIL score of more than 700.

Click here to know more – Self-employed Applicant

Why Apply for Personal Loan Tirunelveli?

  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 Tirunelveli?

The online process is hassle-free and easy with DialaBank. Just follow the following steps:
  1. Visit our official web portal, i.e. www.dialabank.com.
  2. After that, apply for a Personal Loan online.
  3. Enter your contact details so that we can contact you back.
  4. For more information and free guidance, you may call on 9878981166.

personal loan at 10.75%*

Processing Fee / Prepayment Charges on Personal Loan Tirunelveli

Banks charge you 2 kinds of fee on personal loan:

  1. Every Bank and NBFC charges a fee for processing your Personal Loan application. These charges vary between 1.5% to 2.5% of the sanctioned loan amount.
  2. 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 Tirunelveli 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 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.

Personal Loan EMI Calculator is available on our website for giving you easy accessibility.

Enter Loan Information:
1) Loan Amount (Rs.):
2) Rate of Interest (Annual)
3) Loan Tenure (Years)
Payment Information:
4) Your monthly payment will be:
5) Your total payment will be:
6) Your total interest payments will be:

CIBIL Score required for Personal Loan Tirunelveli

CIBIL Score defines a person’s ability to pay loans in the past. Higher the Cibil Score more easily he can access a personal loan. Every lending institution has its own criteria for the minimum CIBIL score required for processing a Personal Loan application in Tirunelveli.

Most institutions require a minimum score of 750 to process your loan application. Others may consider a 700-750 CIBIL score average enough to sanction the loan. They analyze all 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 Tirunelveli Agents

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

  1. The approval process is time-saving if you apply through DialaBank.
  2. The Loan gets disbursed within 24 hours.
  3. Our experts will assist you, and our relationship managers will provide guidance.
  4. And you get all this for free. No charges charged by DaialaBank.

Dialabank helps you to find the best option of Banks and NBFCs by providing you with a detailed market comparison of different banks so that you can make the right choice. Our customer relationship managers will soon get in touch with you.

Personal Loan Tirunelveli Contact Number

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

Pre Calculated EMI Table for Personal Loan Tirunelveli

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 Tirunelveli

Tirunelveli is a city located on the Thamirabarani River in Tamil Nadu. It is also referred to as Nellai. It serves as the administrative headquarters of the Tirunelveli District. It has various monuments,  among which Nellaiappar Temple is the most prominent.

FAQs About Personal Loan Tirunelveli

Who can apply for a Personal Loan in Tirunelveli?

People who have an urgent need for cash and have a regular source of income (from employment or business) can apply for a Personal Loan in Tirunelveli.

What is the tenure of Personal Loan in Tirunelveli?

Most of the Banks and NBFCs provide a Personal Loan for a min period of 1 Yr and a Max period of 5 Years. There are some Banks which extend the maximum period to 7 Years also. The tenure is fixed and cannot be extended. The repayment has to be done in equal monthly installments within the agreed tenure of the loan.

Are there any other charges involved in Personal Loan Tirunelveli?

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

Processing Fee: For every bank or lending institution that you borrow from, there is a small fee that they charge from the customer. This is known as Processing Fee. The amount of processing fee varies for each lending institution and is normally between 1% and 2.5% of the loan amount.

Pre-closure Charges: Whenever you want to close a running loan before its agreed tenure period, the Banks and NBFCs charge an extra amount known as pre-closure charges on the borrowed loan amount. Different banks have different pre-closure charges. The pre-closure charges vary depending on how many years has your loan completed before you decide to pre-close it.

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

Since Personal Loan is an unsecured loan, one of the most important decision criteria for getting your Personal Loan application approved is your CIBIL Score. Having a High CIBIL score becomes extremely important if you wish to avail of a Personal Loan in the future. Make sure you don’t skip any of your loan EMI payments or any credit card payments as that will result in decreasing your CIBIL score. Most of the Personal Loan rejections happen due to a low CIBIL Score.

Other Personal Loan Cities in Tamil Nadu

Personal Loan UdumalaipettaiPersonal Loan Vallioor
Personal Loan ValsarvakkamPersonal Loan Vellore
Personal Loan ViluppuramPersonal Loan Virudhachalam
Personal Loan VirudhunagarPersonal Loan Cuddalore

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