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...

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.

Simple Online Application Process

Minimum Documentation Needed

Zero Collateral Requirement

No Prepayment Penalty

Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Get Cashback of ₹1,000^* on Loan Disbursal

Valid till 31^st March '26*T&C Apply

Instant Personal Loan

Get up to ₹50 Lakhs starting at 9.98%

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Google Play Store

4.5_/5

15.5L Reviews

5.7cr+Satisfied Customers

65+Lending Partners

₹65k Cr+Loans Disbursed

Simple Online Application Process

Minimum Documentation Needed

Zero Collateral Requirement

No Prepayment Penalty

Find Best Personal Loan Offers

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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

ICICI Bank

100% Digital Process*Quick Disbursal

Max Loan Amt.Upto ₹25L

Rate of Interest11% - 13%

Tenure upto1-5 Years

Processing FeeUpto 2%

Axis Bank

Low Processing fee

Max Loan Amt.Upto ₹25L

Rate of Interest9.99% - 17.15%

Tenure uptoUpto 6 Years

Processing FeeUpto 2%

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About Nainital Bank Personal Loan

Nainital Bank Personal Loan Highlights

Nainital Bank Personal Loan Interest Rates

Nainital Bank Personal Loan Fees and Charges

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End-to-End Digital Process

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

About Nainital Bank Personal Loan

Consumers can get Nainital Bank personal loans at affordable interest rates to meet various emergency expenses.
Minimal paperwork and no guarantor or collateral is needed to secure these loans.
Consumers who apply through Paisabazaar can experience an easy online loan process and end-to-end expert assistance.
These personal loans come with flexible repayment terms and can be repaid in easy EMIs.
Nainital Bank personal loans can be foreclosed without any prepayment penalty.

Nainital Bank Personal Loan Highlights

Interest rate	12.00% p.a. onwards
Loan amount	Up to Rs. 25 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.

Nainital Bank Personal Loan Fees and Charges

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

Avail Personal Loan for
All Your Needs

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)

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 Personal Loan Lenders

Avail Personal Loan for
All Your Needs

FAQs

Yes, you can. The requirement to take a loan is having a permanent job with a stable income per month to make sure that you are fully capable of paying your EMIs.

The maximum amount of personal loan that one can get is Rs. 25 lakh.

EMIs (Estimated or Equated Monthly Instalments) can be paid via cheques deposited at the branch of Nainital Bank or via Electronic Clearing System (ECS) or through net banking.

Nainital Bank may reject your application for personal loans if you do not meet the requirements for eligibility. It can be due to your income, profession, age, your credit score (CIBIL score) or your non-payment or inability to repay the loan via EMIs.

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What our customers say

Apne higher education ke liye loan liya tha

Muhje higher education ke liye loan chahiye tha. Paisabazaar pe apply kiya. Got it at the right time. Quite helpful.

Puja DanuJan 22, 2026

Sabse jada helpful log the yaha

Maine bht jagah try kiya tha personal loan ka, yaha try kiya toh helpful log mille. Har steps mai aram se samjhaya or usse muhje loan lene mai jda dikkat nhi aayi.

Anuradha GuptaJan 21, 2026

Meri shaddi thi

Shadi mai bht kharche hote hai. Maine shaddi ke liye personal loan paisabazaar se liya tha. Process smooth tha or interest bhi sahi milla.

Sadia KhatunJan 15, 2026

Travel ke liye personal loan liya tha

Mai bohot din se out of India ghumne jana chahti thi lekin jab jane ka time mila toh budget kaam padh raha tha, Paisabazaar se personal loan leke bht acha trip kiya. Maza agaya. Mere upar koi burden bhi nhi padha

Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

Ruchika TiwariJan 14, 2026

Medical Emergency thi, loan jaldi mil gya

Muhje ek medical emergency ke liye personal loan lena padha. Paisabazaar pe bht jaldi or smooth process tha. time pe kaam agaya.

Raj SinghJan 13, 2026

Compare karke sahi rate mila

Loan offers jab comapre kiya toh pata chala konse loan lene se muhje sahi mai faida hoga. Isiliye Paisabazaar muhje best laga.

Akrity PandeyJan 5, 2026

Personal loan fatfat mai mil gaya

Muhje paiso ki urgent need thi. Paisabazaar se loan jaldi or sahi rate pe mil gaya.

Riya MehraJan 5, 2026

Loan from Paisabazaar was actually paperless

I always used to think that the paperless loan is a myth. But on Paisabazaar, I applied for the pre approved loan from IDFC Bank and all documentation was already done. I just filled the form, did kyc and my loan was approved and disbuursed one the same day.

Tanmay BorkatakiDec 12, 2025

Best place for a small loan

I have take loan of 60-70000 three times from paisabazaar in 4 years and every time it has been a very good experience. They provide the loan without failure and have also helped me improve my cibil.

Aridaman Singh ParhichaDec 11, 2025

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Written By

Vandana Punj

Reviewed By

Shamik Ghosh

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Nainital Bank Personal Loan