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Nainital Bank Personal Loan

Nainital Bank offers personal loans (Naini Sahyog) in form of term loans/demand loans or reducing overdraft for amounts up to Rs 15 Lakh @12.00% p.a. onwards. The applicants can use the personal loan for any purpose except for speculation. The bank also provides concession @ 0.50% to the borrowers who offer CRM Securities (Nainital Bank's deposit/ LIC/ NSC/ Acceptable Paper Securities) as collateral, with the present value not less than 50%, subject to the same being maintained till liquidation of advance facility.

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
Processing FeeUpto 2%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Nainital Bank Personal Loan Highlights

Interest rate 12.00% p.a. onwards
Loan amount Up to Rs 15 Lakh
Loan tenure 7 years for term loans 12 years for reducing OD
Age Criteria Minimum 21 years and maximum 65 years for salaried & 70 years for others
Processing fee 0.25% of the sanctioned limit, minimum Rs. 1000 and maximum Rs. 5000
Margin Nil
Prepayment Charges Nil on foreclosure of credit facility

Nainital Bank Personal Loan Interest Rates

CIBIL Score Overdraft Term loan
700 and above Or -1 and above 3 12.00% p.a. 12.00% p.a.
Below 700 Or less than 3 12.50% p.a. 12.50% p.a.

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Nainital Bank Personal Loan Fees and Charges

Processing fee

Processing fee 0.25% of the sanctioned limit, minimum Rs. 1000 and maximum Rs. 5000

Prepayment/foreclosure charges

Prepayment charges Nil

Other fees and charges

Charges on late EMI payment 2% on unpaid EMI

Nainital Bank Personal Loan Eligibility Criteria

  • Minimum age: 21 years
  • Maximum age: 65 years for salaried 70 years for others
  • Permanent employees of PSU/Government Employee/Companies/Reputed Institution/UGC or AICTE recognised college or university
  • Pensioners of PSU/Government employee/companies/reputed institution/UGC recognised university/retired pensioners of NTB bank
  • Field officer/agents of public sector insurance companies
  • Professionals (doctors, advocates, architects, Chartered Accountants, etc)

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Documents Required for Nainital Bank Personal Loan

Nainital Bank has not disclosed the documents required for availing personal loan. The borrower may have to submit basic documents such as the proof of address, age, income, etc, when applying for a personal loan.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Nainital Bank Lenders

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What our customers say

Highly recommended platform

I applied for a personal loan for medical emergency through Paisabazaar and got amazing service like nowhere else. The team was extremely cooperative and followed up with me until I had my loan amount in my account. My loan was disbursed within 24 hours. It is indeed an excellent platform for taking loans.

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Sunil YadavOct 29, 2025

Instant loan disbursal

I applied for a personal loan through Paisabazaar and got my loan disbursed in no less than 24 hours. The team was extremely cooperative, guided me through the entire process and followed up with me until I had my loan amount in my account. I highly recommend this platform to everyone looking for an urgent loan.

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Neha JainOct 29, 2025

Excellent platform

Excellent platform for personal loan comparison! Their EMI calculator helped me pick the best tenure & my monthly emi.

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Manish KumarOct 23, 2025

Got personal loan instant

I was a medical emergency &amp; need funds instantly I applied for loan at Paisabazaar &amp; see I have a pre approved offers &amp; apply to it &amp; amount disbursed in 48 hours thanks to paisabazaar teams

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Mansi SharmaOct 17, 2025

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Got personal loan in a few minutes

I had pre-approved offers. When I applied through Paisabazaar, I got my personal loan approved within a few minutes. The process was very hassle-free and the team was extremely cooperative.

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Preeti SinghSep 26, 2025

Cibil kam tha fir bhi loan dila diya

Mera cibil kam tha fir bhi paisabazaar walo ne loan dila diya mujhe jo bohot jaruri tha.

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Pawan SehrawatSep 25, 2025

Personal loan quick approved

My personal loan was quick approved on Paisabazaar. Everything was online and I was not required to submit any more documents.

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Vivaan ShahSep 24, 2025

Loan Approved in on day

I confused between HDFC & Axis personal loans, but Paisabazaar showed me all the offers side by side. I apply in 10 minutes and got approval the next day!

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Rahul MehtaSep 23, 2025

Personal loan mila yahaan se

Mujhko personal loan mila yahaan se bina koi dikkat hue. Maine toh online apply kiya aur 3 lakh ka loan mila 2 saal ke liye.

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Pankaj SinhaSep 22, 2025
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