Personal Loan Jammu

Jammu: Personal Loan

A gateway to holy shrine of Vaishno Devi and Kashmir, Jammu has II tier industries along with food grain mills. The real estate business in Jammu has developed to an extent but pace of growth is lagged as the constitution of state has certain anomalies. 

Besides all, people believe to live with luxurious goods. To meet this enhanced demand, sometimes one wrap up with financial crunch. To overcome from this crisis, he exercises his option to go for personal loan.

In addition to this, there are other products which allure to visit bank for personal loan. Booking amount for property, tourism, investment in gold, festivity at home and medical exigency are some of the need that can be fulfilled by personal loan.

At the time of haste, one has no time to visit banks for lowest interest rate of different banks and other benefits. To facilitate customers, we at deal4loans offer quick services to discerning clients.

We proudly offer following benefits to our customers:

Lowest Interest Rates | High Loan Amount Eligibility | Tie-up with Higher Number of Banks | Online Comparison of Interest Rates offered by all Major Banks | Minimum Time Period |Step by Step Guidance for Easy Sanction of Loan

Get lowest interest rates on Personal loan in Jammu from top 10 Banks & your CIBIL score absolutely FREE.
Loan Amount
Employment Status

Personal Loan Interest Rates in Jammu

Banks Rate of Interest Processing Fee Loan Amount Prepayment Charges Disbursal Time Part Payment Option
Yes Bank 10.45% - 16.99% Upto 2% Rs.100,000 - Rs.20,00,000 Nil Above 7.5Lacs 48 Working Hours No
IDFC First Bank 10.49% - 25% 2% - 2.5% Rs.100,000 - Rs.1,00,00,000 5% of Principal outstanding 24-48 hours Yes
Kotak Bank 10.50% - 16.99% 0.99% - 2.5% Rs.100,000 - Rs.20,00,000 Zero (if loan Amount is more than 10 lakhs) Else 5% 3 - 4 working days Yes
HDFC Bank 10.75% - 13.45% upto 3999 + GST Min. 50,000 Max. as per eligibility Nil (For Loan amount>10 lakhs and 12 EMI paid), else 4% 3 - 4 Days No
ICICI Bank 11% - 17.50% Rs.999 for Special offers otherwise 1% - 2.5% Rs.50,000 - Rs.20,00,000 Nil (For Loan amount >10 lacs & 12 EMI paid), else 5% 3 - 4 working days No
Standard Chartered 11.00% - 12.50% 1% Rs.1,00,000 - Rs.50,00,000 Upto 5% 3-4 Working days Yes
Citibank 11.49% to 16.50% Upto 2.0% + 0.5% (waiver on PF)
Special surprise gift from Citi Bank		 Rs.1,00,000 - Rs.30,00,000 Upto 3% 48 hours Yes
Bajaj Finance 11.99% - 16% Upto 2% Upto Rs.25 Lacs Upto 4% post 1st EMI clearance Approval In 48 Hours Yes
Tata Capital 11.99% - 17% Rs.999-2.50% Rs.75,000 - Rs.15 Lacs Part Prepayment Charges: Nil (Allowed Post 6 months, Once a year, 25% of Principal Outstanding) Loan disbursement in 3-4 days Yes
SMFG India Credit 11.99% - 26% 2% Rs.50,000 - Rs.15,00,000 Upto 7.00%, 0% after 3 years 2-8 days No
IndusInd Bank 12.99% - 20% 0.5% -2% Rs.1,00,000 - Rs.25,00,000 4% 4 working days No
HDB Financial Services 16% - 21% up to 2% Rs.100,000 to Rs.15,00,000 Nil for Selected Corporates Employees (CAT A & B).
4% For Rest		 2 days - 7 days No

Eligibility Criteria
Eligibility Criteria for Personal Loan in Jammu
Banks offer Loan to borrowers depending on various factors such
as income, employment, continuity of business so as to make sure that they repay the loan with interest before the due date.
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Banks offer Loan to borrowers depending on various factors such as income, employment, continuity of business so as to make sure that they repay the loan with interest before the due date. The eligibility criterion of a personal loans is primarily based on the work profile of a loan seeker which is broadly divided into the following two classes:
Salaried Self Employed
Metros: Minimum Salary Required is Rs. 15000/- p.m
Other Cities: Minimum Salary is Rs. 12500/- p.m 		Metros: Minimum ITR Rs. 150000/-
Other Cities: Minimum ITR Rs. 150000/-

List of Personal Loans Banks
HDFC Bank
ICICI Bank
Bajaj Finserv
Yes Bank
Canara Bank
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HDFC Bank Bajaj Finserv ICICI Bank Axis Bank
SMFG India ING Vysya Kotak Bank HDB Financial Services
Bank of India Union Bank of India United Bank of India Punjab National Bank
IndusInd Bank Dena Bank Andhra Bank Citibank
Indian Bank Vijaya Bank Corporation Bank RBS

Documents required
for Personal Loan
Documents required for Personal
Loan in Jammu
Identity Proof : Passport/ Driving License/PAN card/ Photo credit card (with embossed Signature and last two months
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Age Proof : PAN Card/ Passport/ Driving License / School leaving certificate/ Voter’s card/BirthCertificate/ LIC policy (only for age Proof). (Anyone of the above) Address Proof : Passport/ Telephone bill (BSNL/MTNL)/ Electricity bill/ Title deed of property/Rental agreement/ Driving license/ Election ID card/ Photo-credit card (with last two month statements) (Anyone of the above)
Income Proof : Latest salary slip/current dated salary Certificate with latest form 16 (Anyone of the above)
Job Continuity Proof : Form 16/relieving letter/appointment Letter (for last two months) (Anyone of the above)
Banking History : Bank statements of latest 2 months/ 3 months bank passbook (Anyone of the above)

Eligibility Criteria
Eligibility Criteria for Personal Loan in Jammu
Banks offer Loan to borrowers depending on various factors such
as income, employment, continuity of business so as to make sure that they repay the loan with interest before the due date.
close
Banks offer Loan to borrowers depending on various factors such as income, employment, continuity of business so as to make sure that they repay the loan with interest before the due date. The eligibility criterion of a personal loans is primarily based on the work profile of a loan seeker which is broadly divided into the following two classes:
Salaried Self Employed
Metros: Minimum Salary Required is Rs. 15000/- p.m
Other Cities: Minimum Salary is Rs. 12500/- p.m 		Metros: Minimum ITR Rs. 150000/-
Other Cities: Minimum ITR Rs. 150000/-

Address / Locations of Major Banks for Personal loans in Jammu:

Bank Name Jammu
J & K Bank Nanak Nagar, Jammu, Jammu and Kashmir 180004
Jammu and Kashmir Bank Ashok Nagar, Jammu, Jammu and Kashmir 180003
Corporation Bank OB24, Railhead Complex, Near Panama Chowk, Jammu, Jammu and Kashmir 180006
State bank of india Channi Himmat, Jammu, Jammu and Kashmir 180015
Reserve Bank of India Railway Rd, Trikuta Nagar, Jammu, Jammu and Kashmir 180004
Punjab National Bank Nawabad, Jammu, Jammu and Kashmir 180016
Oriental Bank of Commerce Trikuta Nagar, Jammu, Jammu and Kashmir
Personal Loan Jammu Shop No-8, Second Floor, Kashmir Residency Mall, Smadhla Road,, Jammu, Jammu and Kashmir 180001
Jammu and Kashmir Bank Jammu University, Jammu, Jammu and Kashmir 180006
Jammu and Kashmir Bank Rehari Rd, Subash Nagar, Jammu, Jammu and Kashmir
Punjab National Bank Shalamar, Old Heritage City, Jammu, Jammu and Kashmir 180001
State Bank of India sanjay nagar, near nirankari bhawan, Jammu, Jammu and Kashmir
HDFC Bank C/o Hotel Vivek, Near General Bus Stand, Below Gumat, Jammu, Jammu and Kashmir 180001
Punjab National Bank Babliana, Jammu, Jammu and Kashmir 180012
The J&K Bank Limited Nawabad, Jammu, Jammu and Kashmir 180016
Punjab National Bank Babliana, Jammu, Jammu and Kashmir 180012
ICICI Bank Vyas Plaza, Shop No. 32-35, Satwari Chowk, Satwari, Jammu, Jammu and Kashmir 180003
Punjab National Bank Durga Nagar Rd, Jammu, Jammu and Kashmir 180013
HDFC Bank Vyas Plaza, Satwari Chowk, RS Pura Rd, Satwari, Jammu, Jammu and Kashmir 180003

 
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Top Bank for Personal Loans

Personal Loan Rates 2023

ICICI Bank 10.99 - 16.50%
Kotak Mahindra 10.99 - 17.25%
Standard Chartered 11.50 - 18.00%
HDFC Bank 10.99 - 20.75%
Bajaj Finserv 11.99% onwards
IndusInd Bank 12.99 - 20.00%
SBI 12.90 - 16.55%
Citibank 10.99%
Tata Capital 10.49 - 19.00%
SMFG India 11.99 - 26.00%

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Personal Loan Jammu And Kashmir