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Nainital Bank Personal Loan EMI Calculator

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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
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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

Personal Loan Interest Rate Comparison of different Banks

Banks/NBFCs Interest Rates(p.a.)
HDFC Bank 10.85% onwards
Axis Bank 11.25% onwards
Kotak Mahindra Bank 10.99% onwards
ICICI Bank 10.85% onwards

How Nainital Bank Personal Loan EMI Calculator Functions

An EMI calculator can help you assess the EMI payable on your personal loan even before you apply for one and choose an appropriate loan amount and tenure that suits your budget. To know the amount you will be paying as EMI on Nainital Bank Personal Loan, you can take help of Paisabazaar’s personal loan EMI calculator. You simply have to enter the loan amount, interest rate and tenure correctly in the calculator and you would be able to see your EMI within seconds. You can try different combinations of key loan parameters to reach at a convenient EMI amount. An EMI calculator functions of the basis of the following three parameters:

  • Loan Amount: Loan amount or principal is the amount of money that you borrow from the lender. Generally, as the loan amount increases, the EMI payout also increases and vice versa. With Nainital Bank you can avail a personal loan ranging up to Rs. 15 lakh.
  • Interest Rate: It is the rate at which interest is charged on the loan amount. Nainital Bank offers personal loans at an interest rate starting at 10% p.a. Generally, as the interest rate increases, the EMI payout also increases and vice versa. However, the EMI payout also depends on the interest calculation method adopted by the lender.
  • Loan Tenure: It refers to the loan repayment tenure. Nainital Bank personal loans can be repaid over a flexible tenure ranging up to 84 months. Usually, a longer repayment tenure leads to lower EMI payouts and vice versa.

Nainital Bank Personal Loan EMI Calculation

The following table gives various possible EMI payouts with different combinations of loan amount, tenure and interest rate.

Loan Amount (Rs.) Interest Rate (p.a.) Tenure (months) EMI (Rs./month)
1 lakh 10% 12 8,792
2  lakh 12% 24 9,415
3 lakh 14% 36 10,253
4 lakh 11% 48 10,338
5 lakh 13% 60 11,377

Swipe to see more table data

How to Pay Nainital Bank Personal Loan EMI?

You can pay your Nainital Bank personal loan EMIs using any of the following means given below:

  • Standing Instructions (SI)
  • ECS mandate
  • Post-dated Cheques (PDCs)
  • By logging into your net banking account

Charges Levied on Non Payment of EMI

The following charges may be levied in case Nainital Bank personal loan EMIs are not paid on time:

Particulars Charges
Penal Charges for Late Payment of EMI 2% on unpaid EMI
Deviation Charges Rs. 3,500 for each deviation

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Factors Affecting Nainital Bank Personal Loan EMI

Here are a few key factors which affect Nainital Bank personal loan EMIs:

  • Loan Amount: It refers to the principal amount that you borrow from Nainital Bank. Generally, a higher loan amount translates into higher EMI payouts and vice versa.
  • Loan Tenure: It refers to the period over which you can repay your Nainital Bank personal loan. Generally, a longer tenure leads to lower EMI payouts and vice versa. However, a longer tenure may also increase the overall interest payout of the loan.
  • Interest Rate: It refers to the rate at which the personal loan is offered by Nainital Bank. Usually, a higher interest rate results in higher EMI payouts and vice versa.
  • Interest Calculation Method: The method of interest calculation used by the lender also affects the EMI payout. Generally, EMIs computed using the reducing balance method are slightly lower as compared to those computed using the flat rate method, provided loan parameters remain unchanged.

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

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Excellant EMI calculator and expert assistance available

The EMI calculator helped me choose the right repayment plan. Clear guidance at every step made the loan process really easy.

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