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Nainital Bank Personal Loan Eligibility

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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 Fee6,500
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Max Loan Amt.Upto 25L
Rate of Interest11% - 13%
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Rate of Interest9.99% - 17.15%
Tenure uptoUpto 6 Years
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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 Eligibility

Nainital Bank Personal Loan is a solution to all your financial needs including a vacation, wedding, home renovation, medical emergency, etc. Nainital Bank offers a personal loan of upto Rs. 4 lakh and this loan can be repaid within flexible tenure. The bank offers attractive interest rates and ensures to make your EMIs affordable.

Nainital Bank Personal Loan - Eligibility Criteria

You should be a permanent employee of Government Departments/Companies/ Reputed Institutions

Or

Field Officer/Agents of Insurance companies provided they are maintaining accounts with our bank for at least six months and the proceeds of their commission etc. are being credited in their accounts

Or

Other applicants engaged in business activity and professionals i.e. doctors, advocates, Chartered Accountants etc.

Eligibility Loan Amount
For salaried employees An amount equal to fifteen times of net take home monthly salary/salary credited to his a/c subject to maximum of Rs.3,00,000/-
For high income employees of Govt. Department  and PSU such as Professors/Doctors/ Engineers having monthly salary of Rs. 75000.00 per month (minimum) and net take home salary of Rs. 50,000(minimum) excluding instalment of proposed loan subject to maximum amount of Loan of Rs. 5 lakh
For pensioners An amount equal to ten times of monthly pension credited/remitted to the account of pensioner subject to a maximum amount Rs.50,000 including staff of Nainital Bank Limited
For Insurance Agents An amount equal to average commission received during last two financial years subject to maximum Rs.2 lakh
Other Category i.e. Businessman, etc. For Doctors & C.A. – An amount equal to two times of average returned income of last two years subject to maximum Rs.5 lakh
Others – An amount equal to two times of average returned income of last two years subject to maximum Rs.2 lakh

Nainital Bank Personal Loan - Eligibility Calculator

You can use the online eligibility calculator available at Paisabazaar for the calculating your loan eligibility accurately and quickly. There are simple steps to be followed and you can check your eligibility:

  • Click here
  • Fill your basic details like occupation, required loan amount, monthly income, mobile number and city
  • Click on ‘Proceed’

Factors Affecting Nainital Bank Personal Loan Eligibility

  • Place of residence: People living in metro cities have higher eligibility rate, as the cost of living in these urban centres is higher. Individuals having their property in these cities would have a superior chance of being eligible for a personal loan due to their higher disposable income
  • Income of the applicant: The higher the income of the applicant, the greater would be their personal loan eligibility.  They should additionally have a low debt-to-income ratio to be eligible for the loan
  • Credit score: The majority of lenders prefer giving loans to people having a healthy credit score of 750 or above
  • Employment status: Both self-employed and salaried individuals need to be stable in their employment or business to be eligible for a personal loan

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All Your Needs

How to Improve Your Nainital Bank Personal Loan Eligibility?

  • Do not apply for several loans at the same time
  • Maintain a good credit score, at least more than 750
  • In case you have less EMIs to pay for any previous loan, foreclose the loan or make a prepayment for it
  • Do not own numerous credit cards

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

Avail Personal Loan for
All Your Needs

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What our customers say

My Trust in Paisabazaar has Increased

I would like to take a moment to share my sincere feedback regarding the support I received from your team. The executive who assisted me was extremely professional, polite, and knowledgeable. They patiently understood my concern, explained the process clearly, and guided me step by step toward the right solution. I truly appreciate the transparency, timely responses, and genuine effort shown to help me.

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Lalit MaviFeb 12, 2026

Best Place for Taking Loans

I contacted customer care with a few queries, and I am very satisfied with the support I received. The representative was polite, patient, and explained everything clearly. My questions were resolved properly, and the overall experience was smooth and helpful. Thank you for the excellent customer service

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Kokil BarnwalFeb 12, 2026

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.

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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.

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Anuradha GuptaJan 21, 2026

Best Advisor for Personal Loan

I would like to share my feedback regarding my recent interaction with Mr. Vipin Singh (employee id EW12967) After discussing the financial matters with him, I felt very satisfied with his approach and professionalism. He explained everything clearly, handled the discussion patiently, and ensured that all concerns were addressed effectively. His communication skills, positive attitude, and dedication towards his responsibilities truly reflect his commitment to the organization.

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20th Jan 2026Jan 20, 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.

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Sadia KhatunJan 15, 2026

Perfect for Loan Solutions

Recently I had a conversation with Mr. Harsh ji. Thanks Mr. Harsh ji for providing a better solution in a very short period of time with very nice behaviour. Thank You very much.

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Amit ChahalJan 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

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Tarini RoyJan 14, 2026

Easy personal loan available

Took personal loan. Good experience.

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Ruchika TiwariJan 14, 2026

Stress-free Laon Borrowing Process

There was a complication with my KYC verification. Paisabazaar’s Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly. His prompt assistance and communication made the entire experience smooth and stress-free. Thanks to his efforts, the loan process was completed without further delays.

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Abhishek ThakuraJan 14, 2026
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