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  • Agra Personal Loan

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  • The home of the Taj Mahal, Agra is also home to a variety of banks that provide personal loans at flexible tenures and competitive interest rates. With interest rates starting from just 10.99%, and loan amounts extending up to Rs.30 lakh, and tenures ranging up to 5 years, personal loans in Agra can help you meet any and all of your immediate financial needs with relative ease.
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    We found 17 Agra Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.25% - 21.45% Fixed
    Up to 2.5% One time fee
    40L Max
    1-5 years
    Ad 100% PAPERLESS APPROVAL
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    Fees & Charges
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    Customer Reviews
    10.99% - 18.99% Fixed
    0.50% - 3.00%
    30L Max
    1-5 Years
    Ad Accelerated Approval
    What you'll love
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    Perks
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    Fees & Charges
    Good to Know
    Customer Reviews
    25.00% - 32.00% Fixed
    3.00% + taxes One time fee
    75K - 5L
    Upto 4 years
    What you'll love
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    Fees & Charges
    Eligibility Criteria
    12.99% - 19.75% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    100% PAPERLESS APPROVAL
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    Customer Reviews
    18.00% - 36.00% Fixed
    2% - 3% + taxes One time fee
    1L - 5L
    Upto 5 years
    Only KYC docs required
    What you'll love
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    11.99% - 25% Fixed
    3%- 6% One time fee
    25L Max
    1-5 Years
    100% PAPERLESS APPROVAL
    What you'll love
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    13% - 30% Fixed
    0 Zero Processing Fee
    2L Max
    0 - 4 Years
    What you'll love
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    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.50% - 16.99% Fixed
    Up to 2.5%
    25L Max
    1-5 years
    100% PAPERLESS APPROVAL
    What you'll love
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    Customer Reviews
    11.00% - 16.75% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    16.5%-20% Fixed
    Up to 2% or minimum ₹2,000 (whichever is Max) One time fee
    15L Max
    1-5 Years
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    16% - 28% Fixed
    2% - 5%
    50K - 7.5L
    1-4 Years
    100% PAPERLESS APPROVAL
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    23% Fixed
    2% + Taxes
    10L Max
    1 - 2 Years
    What you'll love
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    Perks
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    Fees & Charges
    Eligibility Criteria

    Agra, the city of Taj Mahal, has held its historical importance till date in many ways.But there’s a lot more to the city in Uttar Pradesh, which is situated at the proximal distance from the national capital. With the new New Delhi-Agra highway opening up, the distance has reduced further and it will have a greater impact on the development of the city.

    A personal loan is a kind of unsecured loan which can be used for any purpose that the borrower deems necessary. An unsecured loan is an umbrella term used for loans which do not require collateral. Banks, credit unions, and other financial institutions offer personal loans on an ongoing basis.

    Documentation needed to apply for an Agra Personal Loan

    • 1. Photo ID and age proof
    • 2. Signed application form with photograph
    • 3. Residence proof
    • 4. Last 6 months bank statement
    • 5. Documentation for salaried applicants:
      • Last 3 months salary – slips
      • Form 16 or Income Tax Returns
    • 6. Documentation for self-employed applicants:

      • Last 3 years Income Tax Returns with computation of Income
      • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

    Agra Personal Loan Interest RatesUpdated on 23 Sep 2019

    Agra Personal Loan Details
    Interest Rate (Monthly reducing balance) 13.49% - 34%
    Processing Fees 0.5-2.5%
    Loan Tenure 1 year to 5 years
    Pre-closure Charges 2% - 5%
    Guarantor Requirement No guarantor required

    Personal Loan in Agra

    Agra is located on the banks of the Yamuna river in Uttar Pradesh and is renowned the world over for its tourist hotspots and UNESCO World Heritage Sites such as the Taj Mahal, Fatehpur Sikri and the Agra Fort. The city is home to over two million people, most of whom are either businessmen. As a result, personal loans in the city are becoming increasingly important as individuals residing there tend to approach banks and financial institutions to fulfil their personal requirements. Residents of Agra usually resort to personal loans to purchase products or services that they otherwise would not be able to afford on their salaries and savings alone. Some of the most common reasons for the people of Agra to avail personal loans include home renovation or refurbishment, investment in home appliances or vehicles, to pay for their weddings or the weddings of their loved ones, etc. The reasons for people to avail personal loans are aplenty, but the number of individuals who avail personal loans in Agra has increased considerably in recent years.

    Personal Loan Offered by various Banks in Agra

    An increasing number of private as well as public sector banks and non-banking institutions in Agra have opened their doors to individuals who seek personal credit. Some of the leading institutions include Citibank, Standard Chartered, Capital First, Tata Capital, HDFC Bank, ICICI Bank, Oriental Bank, IndusInd, Fullerton, Kotak Mahindra, Aditya Birla, Allahabad Bank, Bank of Baroda, Bank of India, Canara Bank, Central Bank, Dena Bank, IDBI Bank, Indian Bank, Indian Overseas Bank, Karur Vysya, South Indian Bank, State Bank of India, UCO Bank, Union Bank, Vijaya Bank, Yes Bank, etc. If you’re seeking personal loans in Agra, consider these banks as they offer the best terms and conditions in the city.

    How to get a Personal Loan with the Lowest Interest Rate in Agra

    There are few factors to consider when applying for a personal loan and availing competitive interest rates. The lender from whom you choose to borrow will determine the interest rate applicable to your credit. But before drafting an application for a personal loan, it is essential to ensure that you have a good credit rating. Credit scores in excess of 750 will make it fairly easy for you to get a relatively high amount with a considerably low interest rate. The higher you’re score, the lower your interest rate and vice-versa. It is also essential to carefully assess your financial requirements before applying for a loan as taking an amount higher than you need will mean that you will have to pay interest for an unnecessary sum. Similarly, taking an amount lower than your actual requirements will mean that you will probably have to avail another loan and thereby pay interest towards that as well.

    Personal Loan Interest Rates in Agra 2018

    A number of leading public and private sector banks in Agra offer personal loans to the residents of the city. Following are the interest rates offered by the top banks for personal loans in Agra

    Bank Interest Rate Range
    Citibank 10.99% to 15.99% (Fixed)
    Standard Chartered 11.25% to 14.49% (Fixed)
    Capital First 12% to 18% (Fixed)
    Tata Capital 11.99% to 19.50% (Fixed)
    ICICI Bank 11.59% to 18.49% (Fixed)
    Oriental Bank 10.85% to 11.85% (Floating)
    HDFC Bank 11.49% to 19.8% (Fixed)
    IndusInd Bank 11.99% to 19% (Fixed)
    Fullerton 17.25% to 37% (Fixed)
    Kotak Mahindra 11.49% to 20.15% (Fixed)
    Aditya Birla 11.5% to 13.25% (Fixed)
    Allahabad Bank 13.10% (Fixed)
    Bank of Baroda 11.35% to 14.35% (Fixed)
    Bank of Maharashtra 12.75% (Fixed)
    Bank of India 13% to 14% (Fixed)
    Canara Bank 12.75% (Floating)
    Central Bank 11.4% (Floating)
    Dena Bank 13% to 14% (Fixed)
    IDBI Bank 12.45% (Floating)
    Indian Bank 12.65% to 13.65% (Floating)
    Indian Overseas Bank 13.65% (Fixed)
    Karur Vysya 13.35% to 15.85% (Floating)
    South Indian Bank 13% (Fixed)
    State Bank of India 12.90% to 14.90% (Fixed)
    UCO Bank 11.35% to 11.60% (Fixed)
    Union Bank 14.4% (Floating)
    Vijaya Bank 13.50% (Fixed)
    Yes Bank 14% (Fixed)

    Salary Requirements to avail Personal Loans in Agra

    Each lender has its requirements when it comes to sanctioning a personal loan to a salaried or self-employed applicant. While salaried employees in Agra are required to earn between Rs.7,500 and Rs.50,000 a month to avail a personal loan, self-employed individual will have to show an income of Rs.1 lakh to Rs.2 lakhs in annual earnings if they are to gain access to credit.

    Agra Personal Loan FAQs

    1. What is the maximum amount of money that can be borrowed through a personal loan?

      The maximum amount offered by a bank will depend on a number of factors, but most banks limit their lending to a maximum of Rs.5 lakhs to Rs.30 lakhs.

    2. Is there a processing fee applicable to a personal loan?

      Yes. Personal loans are usually granted for a fee ranging from 0.5% to 2.5% of the amount you wish to borrow.

    3. What documents will I need to apply for a personal loans?

      Banks and financial institutions require your KYC documents, ID proof and address proof along with your bank statement, income proof and a passport sized photograph.

    4. Do salaried individuals have to be of a certain age to avail a personal loan?

      Yes. Lending institutions require borrowers to be between 21 years of age and 60 years of age to ensure that they have the ability to repay the amount borrowed. They also check for proof of income.

    5. How long can I take to repay a personal loan?

      Customers are free to choose their tenure for a personal loan based on their repayment capacity. In most cases, banks offer a tenure ranging from one year to five years.

    A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.

        

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    Agra Personal Loan Reviews

    • Bank Bazaar Personal Loan
      "Good"
      0.5 4.5/5 "Excellent!"
      One of my friends recommended me about Bankbazaar.com. I have been using their service more than two years. Their customer service is very good, I was given clear information. Website and mobile application are user friendly. I am yet to check credit score on their website.
      Was this review helpful? 0
      , agra
      Reviewed on Sep 13, 2019
    • HDFC Bank
      Bank Bazaar Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Through a promotional mail and as well website I came to know about Bank Bazaar for at an initial time. I am using Bank Bazaar website for more than a year. The customer service is good and supportive on time whenever I try to contact them. I am yet to use the mobile application.
      Was this review helpful? 0
      , agra
      Reviewed on Sep 07, 2019
    • Bank Bazaar Personal Loan
      "Experience is good"
      0.5 5.0/5 "Blown Away!"
      It is a on time process with Bankbazaar as they contacted me on time and informed me the details. They also spoke politely and the were follow up calls as well. The website is also good and informative. It is easy to place a request and navigate through.
      Was this review helpful? 1
      , agra
      Reviewed on Jul 12, 2019
    • HDFC Bank Personal Loan
      "Good in all"
      0.5 5.0/5 "Blown Away!"
      I have not taken the personal loan from HDFC Bank is because of the salary criteria not matching the banking norms. Else the customer support and response is good. They were on time to reach out to me and inform me the details. The rate of interest and processing fee is nominal.
      Was this review helpful? 2
      , agra
      Reviewed on Jul 12, 2019
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I have applied for HDFC Bank Personal Loan . The agent clealry explained the process of the loan .The rate of interest was high and not sure about the processing fee.Since staying out of geographical limit unable to get the personal loan .Other than that the Overall service is good .
      Was this review helpful? 0
      , agra
      Reviewed on Mar 20, 2019
    • Bank Bazaar Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I Came to Know about Bank bazaar through Advertisement only.Once came to know about Bank bazaar i have applied for HDF Bank Personal Loan .The agent clearly explained the process ,rate of interest was high and not sure about the processing fee .The Overall Service of Bank bazaar is good .
      Was this review helpful? 0
      , agra
      Reviewed on Mar 20, 2019
    • Bank Bazaar Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      The one thing I would like to share the Bank Bazaar.com every time when I post some request, immediately the executive call me its very supportive, I came to know the site through Online. I am using website its easy to check all the banking products.
      Was this review helpful? 0
      , agra
      Reviewed on Mar 06, 2019
    • HDFC Bank Personal Loan
      "Good Experience"
      0.5 5.0/5 "Blown Away!"
      I am delight with their HDFC bank, I think my personal loan got sanctioned within 10 to 12 days. The interest rate around 8% its nice compared to other competitor, they charged Rs.9000 as processing fee from Rs.3 lakhs of principal amount. I am satisfied with them.
      Was this review helpful? 8
      , agra
      Reviewed on Mar 06, 2019
    • Bank Bazaar Personal Loan
      "Good Service and Good Support"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar overall process is very good. Bankbazaar given me a proper support and response. I have started using the bankbazaar website for last 3 months. My friends circle has suggested me about the bankbazaar website when i approach for personal loan.
      Was this review helpful? 1
      , agra
      Reviewed on Jan 17, 2019
    • HDFC Bank Personal Loan
      "Very Good Loan"
      0.5 5.0/5 "Blown Away!"
      My salary account with HDFC hence i have selected them for my personal loan. They have given me a interest rate of 8.99% and they have charged me a processing fee of Rs. 2000 approximately. I have chosen the tenure period of 1 year. I have received the loan on time. Overall, hassle free services by HDFC.
      Was this review helpful? 0
      , agra
      Reviewed on Jan 17, 2019
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have been using bank bazaar services 4years back, but for the first time i have taken financial product from this website. The service which has been provided through this bank is pretty good. I came about this website through advertisement. For the first time i got financial product from bank bazaar.
      Was this review helpful? 0
      , agra
      Reviewed on Jul 31, 2018
    • HDFC Bank Personal Loan
      "good "
      0.5 5.0/5 "Blown Away!"
      I have taken loan with HDFC BANK and my loan experience was good. My loan amount is 1100000 and interest rate is 17.38% and it is satisfactory.There is no hidden charges. I use to pay 4500 as EMI per month and tenure period is 2years. The processing fee is 2.5% on loan amount. The process was so smooth at the time of documentation, i did not face any problems.
      Was this review helpful? 3
      , agra
      Reviewed on Jul 31, 2018
    • Bank Bazaar Personal Loan
      "Best online portal"
      0.5 3.0/5 "Satisfactory"
      The comparison option available on the site is very much useful and it is very easy to find out the best deal too. When it comes to coordination bank bazaar has to coordinate more with the partner bank and should ensure that the customer gets the right amount and interest rate and the information showcased on the site should sync with the bank's data.
      Was this review helpful? 0
      , agra
      Reviewed on Jun 13, 2018
    • HDFC Bank Personal Loan
      "I was cheated by HDFC personal loan"
      0.5 2.0/5 "Expected more"
      HDFC Bank has revised the interest rate. In the last 6 months, they have increased the interest rate. They did not provide any prior intimation. I have taken this loan 1.5 months back. I'm quite disappointed with the interest rate. Customer care service is fine, nevertheless they have done their part.
      Was this review helpful? 0
      , agra
      Reviewed on Jun 06, 2018
    • Bank Bazaar Personal Loan
      "Fantastic"
      0.5 3.0/5 "Satisfactory"
      Overall experience with the Bankbazaar.com is an average one , also I can get the information about the financial products in a single page. I am happy with the Bankbazaar.com, also I have not faced any hiccups with them till now.
      Was this review helpful? 0
      , agra
      Reviewed on Nov 20, 2017
    • HDFC Bank Personal Loan
      "Better"
      0.5 3.0/5 "Satisfactory"
      I was asking for 2 lakh Rupees as personal loan while they have committed that they can give only lesser amount. I would like to say taht the customer service is good with the HDFC bank, also am really okay with them till now.
      Was this review helpful? 0
      , agra
      Reviewed on Nov 20, 2017
    • Bank Bazaar Personal Loan
      "Better service "
      0.5 4.0/5 "Great!"
      I have been using the bank bazaar website for more than one year.The executives do respond on time and they give an explanation for each and every product.They are very quick in sharing the information.I will continue to browse the website for different financial products.
      Was this review helpful? 0
      , agra
      Reviewed on Nov 10, 2017
    • HDFC Bank Personal Loan
      "Average service"
      0.5 1.0/5 "Really Bad"
      I had applied for a personal loan with Hdfc bank for an amount of three lakhs.Rate of interest is 14.75%nominal as compared to other banks.I had submitted documents its been almost a week till now no response to share the status of the application as well,not satisfied with banks service.
      Was this review helpful? 0
      , agra
      Reviewed on Nov 10, 2017
    • Bank Bazaar Personal Loan
      "Good website"
      0.5 5.0/5 "Blown Away!"
      I know bankbazaar.com from last 1 year, Bankbazaar provides good services on financial products when compared to all other banking websites. The customer service was good and prompt. I use the mobile application, it is easy to navigate and it is user friendly.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 26, 2017
    • HDFC Bank Personal Loan
      "Good customer service"
      0.5 5.0/5 "Blown Away!"
      I have applied for the personal loan from HDFC bank, my loan application was closed because there was no local id proof like EB bills, When it comes to customer service, it was good and they followed up on regular intervals. The rate of itnerest was high when compared to all other banks.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 26, 2017
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