Apply Personal Loan Online Upto Rs. 25 Lacs
Details on Personal Loan
Personal Loan in Himachal Pradesh
Overview of Personal Loan in Himachal Pradesh
Personal Loan in Himachal Pradesh will back you up with an unsecured personal loan to reduce your financial burden. A Personal Loan in Himachal Pradesh will help you in your every need from medical emergencies, wedding, holiday etc. You can’t avail Personal Loan in Himachal Pradesh without CIBIL Check. You also can go for Personal Loan in Himachal Pradesh apply online for Instant Personal Loan in Himachal Pradesh with minimal documents and lowest interest rates. You also can avail Personal Loan in Himachal Pradesh for Salaried with lower interest rates. You can avail Personal Loan in Himachal Pradesh from 25,000 to Rs. 25, 00,000. Personal Loan in Himachal Pradesh is offered by many lending institutions of India which includes Bank and NBFC both in lowest interest rates. In addition to that, they provide money lenders loans in Himachal Pradesh, private finance loans in Himachal Pradesh, cash loan in Himachal Pradesh, immediate cash loan in Himachal Pradesh, Personal Loan by Private financer in Himachal Pradesh, instant Personal Loan in Himachal Pradesh, Personal Loans in Himachal Pradesh are different kinds of Personal loans in Himachal Pradesh.
Why should you opt for Personal Loan in Himachal Pradesh?
Himachal Pradesh is a state which is in the northern part of the India. Thousands of tourists come every year to visit the beauty of this place. This place is so beautiful and attractive; Himachal Pradesh is situated in the western Himalayas. For all these the lifestyle of Himachal Pradesh is changing to make it easier Personal Loan in Himachal Pradesh will help you.
Here are some points that why you should go for Personal Loan in Himachal Pradesh.
- You don’t have to mortgage any of your security to avail a Personal Loan in Himachal Pradesh
- You do not need any guarantor at Personal Loan in Himachal Pradesh
- Personal Loan in Himachal Pradesh comes with lower interest rates; the processing fees are minimum and no hidden charges.
- You can check your Personal Loan in Himachal Pradesh application status and your Personal Loan in Himachal Pradesh eligibility just in a second from home by just clicking a button from your home or office.
- You can repay your Personal Loan in Himachal Pradesh from 12 months to 60 months.
- You can avail Personal Loan in Himachal Pradesh up to Rs. 25 lakh (varies).
- To avail a Personal Loan in Himachal Pradesh you don’t need give a purpose to any institutions. There is no specific purpose to avail a Personal Loan in Himachal Pradesh.
- In your emergency needs you can easily avail instant Personal Loan in Himachal Pradesh, cash loan in Himachal Pradesh or immediate cash loan in Himachal Pradesh.
- If you are self-employed you can easily avail Personal Loan for Self-employed in Himachal Pradesh.
Eligibility Criteria for Personal Loan in Himachal Pradesh
It is not much hard to avail Personal Loan in Himachal Pradesh you just need minimum eligibility to avail a Personal Loan in Himachal Pradesh. You must maintain a good Credit score to avail Personal Loan in Himachal Pradesh. If you are applying for Personal Loan in Himachal Pradesh at a younger age you have chance to make your interest rate lower.
Here are the eligibility criteria for Personal Loan in Himachal Pradesh.
|
Personal Loan in Himachal Pradesh Eligibility Criteria |
Salaried |
Self-Employed |
|
Age |
21-60 years |
25-65 years |
|
Income |
Min- Rs. 20,000 or Rs. 25,000 |
Min Turnover- Rs. 1 crore |
|
Profession |
Working in MNCs, private sector or government organization |
Business Professionals, private or public ltd. companies, partnership firms etc. |
|
Work Experience |
Minimum 2 years of experience with at least 1 year in the present company |
Business Continuity for a minimum of 3 to 5 years |
|
CIBIL score |
750 or above |
750 or above |
|
Loan Amount |
Up to Rs. 25 lakhs (different for various financial institutions) |
Up to Rs. 30 lakhs (varies according to the financial institution) |
Documents required for Personal Loan in Himachal Pradesh
Following are the common set of documents which you need to submit while applying for Personal Loan in Himachal Pradesh-
- Duly filled application form.
- Passport size photograph.
- ID proof- PAN card, AADHAR card, Driving License.
- Residential proof- Any latest utility bill like Electricity bill, Gas bill. Passport.
-
For Salaried Individuals
- Bank Statement of the last 6 months.
- Copy of Form 16 and Receipt of Income Tax.
- Salary slips of last 3 months.
-
For Self-employed
- ITR copy of the past three years.
- Verified copy of Partnership Deed/Memorandum and Articles of Association/ Trade License/Sales Tax Certificate
- Copy of Profit & Loss statement, Balance Sheet of last 2 years
Interest Rates for Personal Loan in Himachal Pradesh of different Financial Institutions
Following are some of the financial institutions which offer Unsecured Personal Loan in Himachal Pradesh online at an attractive interest rate
|
Banks |
Loan Tenure |
Interest Rates |
Pre-Closure Charges |
Processing Fees |
|
Kotak Mahindra Bank Personal Loan in Himachal Pradesh |
1-5 years |
11.25%* |
5% of outstanding principal. |
Up to 2.5% |
|
ICICI Bank Personal Loan in Himachal Pradesh |
1-5 years |
11.49%* |
5% of outstanding principal + GST |
Rs. 999* |
|
SBI Personal Loan in Himachal Pradesh |
1-5 years |
12.50%*-16.60%* |
3% of the prepaid amount (after 1st EMI) |
Up to 3% of the loan amount |
|
YES Bank Personal Loan in Himachal Pradesh |
1-5 years |
14%* |
Within 12 to 24 months: 4% Within 24 to 36months: 3% Within 36 to 48 months: 2% After 48 months :No charges. |
2% or 3% of the principal |
|
Bajaj Finserv Personal Loan in Himachal Pradesh |
1-5 years |
14.75%* |
NIL |
Up to 3% |
|
HDFC Bank Personal Loan in Himachal Pradesh |
1-5 years |
11.25%* |
Between 2% to 4% of the outstanding principal. |
Up to 2.50% |
|
IndusInd Bank Personal Loan in Himachal Pradesh |
1-5 years |
12.99%* |
4% of outstanding principal |
Up to 2.50% |
|
Indiabulls Venture Capital Personal Loan in Himachal Pradesh |
1-5 years |
11.99%* |
5% if less than 6 Months. |
Up to 5% |
|
Axis Bank Personal Loan in Himachal Pradesh |
1-5 years |
15.50%* |
NIL |
Up to 2.00% |
|
IDFC First Personal Loan in Himachal Pradesh |
1-5 years |
10.99%* |
4% of outstanding |
2% – 4% |
|
Aditya Birla Capital Personal Loan in Himachal Pradesh |
1-5 years |
11.75%* |
4% of principal outstanding in 1st year, 3% in the 2ndyear, and thereafter preclosure Permitted after 6 months. |
1% of principal. |
|
TATA Capital Personal Loan in Himachal Pradesh |
1-6 years |
13.99%* |
4.5% of the outstanding principal.And NIL for the initial 6 months |
Up to 2% |
|
Fullerton India Personal Loan in Himachal Pradesh |
1-5 years |
17.25%* |
4% of outstanding Principal. |
Up to 2% |
|
Capital first Personal Loan in Himachal Pradesh |
1-5 years |
16%* |
4% of outstanding |
Up to 2.49% of the loan amount |
|
ECL Finance Personal Loan in Himachal Pradesh |
1-5 years |
17.50%* |
4% of principal amount outstanding +GST |
Up to 2% of the loan amount |
*Interest rates change time to time.
