Personal Loan in Jammu

Salaried Self-Employed

Please Enter Required Loan Amount

Minimum Loan amount is Rs.15,000 !

Maximum Loan amount is Rs.75 Lakhs !

Please Enter Net Monthly Salary

Salary should be Minimum Rs.10,000!

Salary should be Maximum Rs.10 Crores !

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Minimum Turnover Should Be Rs. 3 Lakhs!

Turnover Limit Exceeded !

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Interest rate start 10.75% * Upto 40 Lacs
Loan Duration: 12 – 60 months*

Enter Loan amount!

Minimum Loan amount is Rs.15,000 !

Maximum Loan amount is Rs. 75 Lakhs!

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Enter Your Monthly Salary!

Salary should be Minimum Rs.15,000!

Salary should be Maximum Rs.10 Crore!

Enter Your Turnover!

Minimum Turnover Should Be Rs. 3Lakhs!

Your Turnover Limit Exceeded!

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Interest rate start 10.75% * Upto 40 Lacs
Loan Duration: 12 – 60 months*

4.5 /5(500 Votes)

Personal Loan in Jammu

Overview of Personal Loan in Jammu

Personal Loan in Jammu provides financial relief against any financial urgency which can be a medical emergency, wedding purpose, home renovation, purchasing any electronic gadget and much more. You do not have to keep any security with the bank so it is an unsecured Personal Loan in Jammu. With simple paperwork, easy EMI and flexible loan tenure up to 5 years, Easy Personal Loan in Jammu makes your life easy and simple. Low interest rate Personal Loan in Jammu can be easily availed if you apply at a younger age with a minimum CIBIL score of 750 or above. But low cibil score Personal Loan in Jammu will be charged a higher interest rate. There are many Personal Loan Providers in Jammu that provides fast Personal Loan in Jammu with easy EMI options to facilitate you with immediate cash.

Why should you opt for Personal Loan in Jammu?

Jammu is India’s paradise with a great scenic beauty offering a peaceful place to live in and a popular tourist spot. Apart from awestruck beautiful relief, there is a growing business sector starting from small-sized enterprises, local manufacturing units to electronic goods thus upgrading the living standard of the people there. As a result, the need of personal finances has increased rapidly thus Personal Loan Jammu has come into the picture. With urgent need of Personal Loan in Jammu, you just need to submit very few documents and must satisfy the eligibility criteria.

Following are the reasons as to why you should opt for Personal Loan in Jammu-

  • With the need for personal finance in Jammu, you can easily avail Personal Loan in Jammu by fulfilling the eligibility criteria.
  • Unsecured Personal Loan in Jammu helps you with your financial support without any security or mortgage.
  • Low interest Personal Loan in Jammu can be availed with high CIBIL score, decent income, and disciplined repaying habit.
  • Personal Loan in Jammu for salaried solves the problem of financial need of the salaried individuals.
  • You can apply for Personal Loan in Jammu by comparing Personal Loan interest rates in Jammu of different banks and NBFCs.
  • With the help of online Personal Loan in Jammu, you can easily apply at any point of time.

Eligibility Criteria for Personal Loan in Jammu

You can easily avail Personal Loans in Jammu at a lower interest rate by satisfying the eligibility criteria. You need to have a good repaying capacity with a higher credit score in order to avail low interest Personal Loan in Jammu.

Here are the eligibility criteria that you must satisfy to be eligible for Personal Loans in Jammu-

Personal Loan in Jammu Eligibility Criteria

Salaried

Self-Employed

Age

21-60 years

25-65 years

Income

Min- Rs. 20,000

Min Turnover- Rs. 1 crore

CIBIL score

750 or above

750 or above

Loan Amount

Up to Rs. 25 lakhs (varies according to the banks)

Up to Rs. 30 lakhs (differs according to the banks)

Profession

Working in private sectors, govt organization or MNCs

Partnership firms,Business Professionals, sole propritership firms, public or private ltd. companies,etc.

Work Experience

Minimum 2 years of total experience with at least 1 year working in the present company

Business Continuity for at least 3 years

Documents required for Personal Loan in Jammu

Following are the common set of documents that are necessary to apply for Personal Loans in Jammu-

  • Passport size photo
  • Application form for Personal Loan
  • Address Proof- Passport, Driving License, Any kind of Utility Bills like- Water, Electricity or Gas Bills
  • ID proof- Ration Card, PAN Card, AADHAR Card.
  • For Self-Employed

    • Verified copy of Memorandum and Articles of Association/Trade License/Partnership Deed/Sales Tax Certificate
    • Copy of Profit & Loss statement and Balance Sheet of last 2 years
    • Last 3 years details of ITR.
  • For Salaried

    • Salary slip of the last 3 months.
    • Copy of Form 16.
    • Statement of an updated bank a/c of last 6 months.

Personal Loan Interest Rates in Jammu of different Financial Institutions

You can opt for easy Personal Loan in Jammu by comparing Personal Loan interest rates in Jammu of all banks and NBFCs-

Banks

Loan Tenure

Interest Rates

Pre-Closure Charges

Processing Fees

HDFC Bank Personal Loan in Jammu

1-5 years

11.25%*

Between 2% to 4% of the outstanding principal.

Up to 2.50%

SBI Personal Loan in Jammu

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 Jammu

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 Jammu

1-5 years

14.75%*

NIL

Up to 3%

Kotak Mahindra Bank Personal Loan in Jammu

1-5 years

11.25%*

5% of outstanding principal.

Up to 2.5%

IndusInd Bank Personal Loan in Jammu

1-5 years

12.99%*

4% of outstanding principal

Up to 2.50%

ICICI Bank Personal Loan in Jammu

1-5 years

11.49%*

5% of outstanding principal + GST

Rs. 999*

Axis Bank Personal Loan in Jammu

1-5 years

15.50%*

NIL

Up to 2.00%

TATA Capital Personal Loan in Jammu

1-6 years

13.99%*

4.5% of the outstanding principal. And NIL for the initial 6 months

Up to 2%

Capital first Personal Loan in Jammu

1-5 years

16%*

4% of outstanding

Up to 2.49% of the loan amount

Indiabulls Venture Capital Personal Loan in Jammu

1-5 years

11.99%*

5% if less than 6 months.

Up to 5%

Fullerton India Personal Loan in Jammu

1-5 years

17.25%*

4% of outstanding principal.

Up to 2%

IDFC First Personal Loan in Jammu

1-5 years

10.99%*

4% of outstanding

2% – 4%

Aditya Birla Capital Personal Loan in Jammu

1-5 years

11.75%*

4% of principal outstanding in 1st year, 3% in the 2nd year, and thereafter preclosure permitted after 6 months.

1% of principal.

ECL Finance Personal Loan in Jammu

1-5 years

17.50%*

4% of principal amount outstanding+GST

Up to 2% of the loan amount

*Interest rates change time to time.

FAQ’s

The repayment tenure for Personal Loan in Jammu ranges from 12 to 60 months.
In order to apply for Personal Loan in Jammu, you need to have a minimum CIBIL score of 750 or above.
Yes, you can prepay Personal Loan in Jammu but need to pay a foreclosure charge which differs for various banks.
*Interest rate and Loan approval are subjected to band discretion and approval.


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