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Nainital Bank Personal Loan, Interest Rate and EMI Calculator May 2019

(Updated on 08.05.19) Nainital Bank Personal Loan EMI Calculator May 2019 – Get Instant Quick & Easy Approval on Nainital Bank Personal Loan. Loansninsurances.com provide a simple tool to calculate your Personal Loan EMI on the basis of ✓Interest Rate ✓Loan Tenure ✓Processing Fee ✓Eligibility ✓Best Offers & more.


Professional Details
Loan Amount
Yearly Income
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Nainital Bank Personal Loan

Nainital Bank Personal Loan is the unique and widely favored personal loan among borrowers to fund their critical financial crisis at any point of time. Nainital Bank Personal Loan has been craft fully designed at the best in class rate of interest to meet personal or family expenses, for purchase of consumer durables, gold/gold ornaments,travels expenses, medical treatments, etc. Nainital Bank Personal Loan Eligibility Calculator helps you to know your personal loan eligibility at the quickest & effective way.

Nainital Bank Home Loan can also be availed at affordable and flexible rate of interest that can turn your dream of owning a home into reality.

Nainital Bank Personal Loan

Interest Rate 14.75%
Processing fee range 1% of loan amount
Loan Amount Min. Rs 50,000/- to Max. Rs. 5 lacs
Tenure 60 months

Nainital Bank Personal Loan EMI Calculator

Nainital Bank Personal Loan EMI Calculator

Fill Loan Amount, Interest rate & Tenure in Fields & get Instant Calculation for Home loan emi within seconds.
Loan Amount
Interest Rate (Reducing) % Per Annum
Loan Tenure (in Months)
Monthly EMI
Total Amount with Interest
Flat Interest Rate PA
Flat Interest Rate PM
Total Interest Amount
Yearly Interest Amount

Nainital Bank Personal Loan Eligibility

  • Permanent employees of Government Departments/Companies/ Reputed Institutions.

  • 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.

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

Loan Amount:-

Salaried Employees: Loan amount equal to 15 times of net take home salary or subject maximum Rs. 3,00,000.

Employees of Government Departments and PSUs: Maximum loan amount Rs. 5,00,000. (subject to minimum monthly salary of Rs. 50,000).

Pensioners: Loan amount equal to 10 times of monthly pension credited to the account or maximum Rs. 50,000. (including staff pensioners)

Insurance Agents: Loan Amount equal to average commission of last 2 financial years or maximum Rs. 2,00,000.

Doctors and C.A: Loan amount equal to two times of average returned income of last 2 years or maximum Rs. 5,00,000.

Other Professionals: Loan Amount equal to 2 times of average returned income of last 2 years or maximum Rs. 2,00,000.

Nainital Bank Personal Loan Documents Required

  • Proof of identity: Copy of passport/voter ID card/driving license

  • Proof of address: Copy of ration card/telephone or electricity bill/rental agreement/passport

  • Proof of age is also necessary.

  • Proof of Income and Occupation

  • Last 3 months bank statement/6 months bank passbook

  • Latest salary slip/ current dated salary certificate with the latest Form 16.

  • Other documents are also required as per banks rules and regulations.

Nainital Bank Personal Loan Prepayments: Minimum Pre-payment charges.


Tenor MCLR in %
Overnight 8.20
1 Month 8.20
3 Months 8.25
6 Months 8.35
1 Year 8.50
2 Year 8.80
Above 2 Years 9.20
Base Rate