Multiple banks. Different interest rates. Call it a "conflict of interest".
Nainital Bank is a leading bank in the country that mainly operates in 5 states including Uttar Pradesh, Rajasthan, Uttarakhand, Haryana, and Delhi. The bank extends personal banking services, rural or agricultural banking services, and business banking services. You can carry out your transactions and operations with this bank conveniently through SMS banking, mobile banking, and internet banking.
You can choose from the various loan options offered by the bank such as personal loans, home loans, vehicle loans, education loans, festival loans, and loans against deposits too. The bank provides a single personal loan product that helps one in meeting his or her multiple personal requirements.
Nainital Bank works towards delivering superior-quality service to each of its customers on a daily basis. The bank has phone numbers for different purposes. You can call any of these numbers as per your specific requirements.
When you have any query about your personal loan, you can get in touch with the bank for full clarity. You can ask a customer care representative from the bank about your personal loan EMIs, personal loan application status, loan disbursal time, loan interest rates, loan repayment process, and lots more!
You can simply call these numbers or send a fax to the numbers and express your concern or make an enquiry regarding your Nainital Bank personal loan.
| Head office | Phone:-05942- ; Fax:- 05942-236939 |
| Naini Business Center | Phone: 120-2401083 |
| HO Department | Phone: 120-2401083 |
| Regional Office (Kumaon Region) | Phone: 05946-250321 Fax: 05946-250387 |
| Regional Office (Delhi or NCR) | Phone: 120-2401083 |
| Regional Office (Garhwal Region) | Phone: 0135-2761103 Fax: 0135-2761802 |
The bank has skilled and knowledgeable staff who are committed to providing you with precise and prompt support. Whether you are stuck while filling your personal loan application form or while calculating your personal loan EMIs, you can reach out to the bank’s customer care and clarify your doubts. If you face any difficulty while making your personal loan repayment, you can contact the bank and avail immediate support.
You may avail the bank’s services via mobile banking, SMS banking, and internet banking while sitting at your home or while busy working at your office.
The personal loan given by Nainital Bank is known as ‘Naini Sahyog for Personal’. It is one of the retail loans provided by the bank.
The loan quantum will be equal to the following:
| For salaried employees | 15 times of your net take home monthly income with a maximum of Rs.3 lakh |
| For government and PSU employees | Minimum of monthly salary of Rs.75,000 and minimum net take home income of Rs.50,000 with a maximum loan amount of Rs.5 lakh |
| For pensioners | 10 times of monthly pension with a maximum amount of Rs.50,000 |
| For insurance agents | Average commission earned during the previous 2 financial years with a maximum amount of Rs.2 lakh |
| For other category such as professionals or businessmen | For doctors and chartered accountants: 2 times of average returned income for the last 2 years with a maximum of Rs.5 lakh For others: 2 times of average returned income for the last 2 years with a maximum of Rs.2 lakh |
A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.
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