Personal Loan Udipi

⋆ Interest Rate 9.99% ⋆

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      Table of Contents

      Personal Loan Udipi

      Major Personal Loan Providers in Udipi

      Feature HDFC Bank ICICI Bank Bajaj Finance
      Interest Rate 10.75% - 17% 11.25% - 18.5% 0.12
      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 Udipi Features

      A personal loan can solve all your short-term financial needs. There can be many reasons to apply for a personal loan, like paying old debts, medical bills, weddings, vacations, home renovation, etc. The process of a loan application is straightforward, and it does not require too many documents. Also, there are no restrictions on the use of the loan amount. You can use the loan amount as you want to use it.

      In Udipi, almost all major banks and NBFCs provides the personal loan. To get a personal loan, the applicant must have a sufficient income source and good credit history.

      You can easily apply for a loan through the Dialabank website.

      Personal Loan Udipi 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 0.01 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 Udipi Documents Required

      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 the case of rented apartments, a 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 Udipi

      Personal Loan Udipi Eligibility Criteria

      Personal Loan Eligibility criteria for both Salaried and Self-Employed are different:

      Salaried Applicants

      1. The minimum age requirements of the individual 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 accounts only.
      3. The applicants must have an excellent 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 know more about Personal Loan for 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 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 years.
      4. The credit score of the individual applicants should be good .there should not be any debt or 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 is the applicants have to submit his financial and his bank statement of the previous three months.

      Click here to know more about Personal Loan for Self-employed Applicant

      Why Apply for Personal Loan Udipi?

      You should apply for a personal loan in Udipi as it is easy to avail and gets sanctioned and disbursed in less time, especially when you apply through Dialabank. It doesn’t require much documentation, neither does it require collateral. It offers loan amounts up to 25 lakhs. You get flexible repayment options and choose your own tenure, ranging from 12 to 60 months.

      How to apply for Personal Loan Udipi?

      To apply for the best personal loan deals:

      • Visit Dialabank and click on the personal loan option on the menu of the homepage.
      • You will be directed to a page wherein you will have to fill in all details. Our team will use these details to shortlist loan offers suitable for you.
      • After you click on ‘Apply now, we will mail you the list of offers we have selected. Then, we will call you to help you compare all of them.
      • Thus, the loan availing process is straightforward and hassle-free with Dialabank.
      • If you have any queries, visit the nearest Dialabank branch or call us at 9878981166. Remember, we provide you the most trustworthy service!

      personal loan at 10.75%*

      Processing Fee/Prepayment Charges on Personal Loan Udipi

      • These are two extra charges which banks might charge you on your loan.
      • A processing fee is a minimal charge taken by the banks and NBFCs to process your loan. It varies from bank to bank but is normally 1% of the outstanding loan amount.
      • The banks charge a prepayment fee to prepay your loan, i.e., pay it before the tenure ends. For this, banks charge a minimal fee which ranges from 2% to 4% of your outstanding loan amount.
      • When comparing loan offers, make sure you include both of these charges in your calculation to know which offer you should go for accurately.

      Personal Loan Udipi EMI Calculator

      A personal loan EMI calculator helps you calculate your monthly installments for a loan beforehand so that you can plan your repayment accordingly. All you have to do is enter your principal amount, interest rate, and loan tenure in months.

      CIBIL Score required for Personal Loan Udipi

      A CIBIL score refers to your repayment history and shows the banks whether you are a trustworthy borrower or not. The score measure goes as follows:

      • Below 550 – poor
      • 550 to 700 – fair
      • 700 to 750 – well
      • above 750 – excellent

      While CIBIL score requirements might vary from bank to bank, most lenders would require you to have a score of 750 and above to lend you a personal loan.

      If you haven’t availed of a loan before, it does not mean your CIBIL score is 0. In this case, you can show the papers of any rented property under your name, such as an apartment, to show that you are regular in your payments.

      personal loan at 10.75%*

      Personal Loan Udipi Contact Number

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

      Pre Calculated EMI Table for Personal Loan Udipi

      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 Udipi

      Udipi, also know as Udupi or Odipu, is in the southwest state of Karnataka. It is named after its popular Udupi cuisine. It is one of the fastest-growing cities in Karnataka and is also an education hub. It is also known as the temple city and attracts pilgrims all year round from many places. Its top tourist attractions include the Krishna temple and the Kanaka Kindi.

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