• Agra Personal Loan

    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 9.99%, 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 19 Agra Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    PA PL OTP
    10.75% - 21.50% Fixed
    Up to 2.50% One time fee
    Up to Rs.40L
    1 - 5 Years
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    11.00% - 16.75% Fixed
    Up to 3.50% One time fee
    Up to Rs.5L
    Up to 5 Years
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    15.00% - 21.00% Fixed
    3.00% One time fee
    Rs.1L - Rs.3L
    Up to 3 Years
    100% PAPERLESS APPROVAL
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    25.00% - 32.00% Fixed
    3.00% One time fee
    Rs.75K - Rs.5L
    1 - 4 Years
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    11.25% - 14.49% Fixed
    Up to 2.75% One time fee
    Up to Rs.20L
    1 - 6 Years
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    18.00% - 36.00% Fixed
    2.00% - 3.00% One time fee
    Rs.1L - Rs.5L
    Up to 5 Years
    Only KYC docs required
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    11.99% - 25.00% Fixed
    3.00% - 6.00% One time fee
    Up to Rs.25L
    1 - 5 Years
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    13.00% - 30.00% Fixed
    Zero Processing Fee
    Rs.50K - Rs.2L
    Up to 4 Years
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    10.50% - 16.99% Fixed
    Up to 2.50% One time fee
    Rs.50K - Rs.25L
    1 - 5 Years
    100% PAPERLESS APPROVAL
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    10.50% - 17.99% Fixed
    0.50% - 3.00% One time fee
    Up to Rs.30L
    1 - 5 Years
    Accelerated Approval
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    16.50% - 20.00% Fixed
    Up to 2.00%(Min ₹2,000) One time fee
    Up to Rs.15L
    1 - 5 Years
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    18.00% Fixed
    2.00% - 5.00% One time fee
    Rs.50K - Rs.7.5L
    1 - 4 Years
    100% PAPERLESS APPROVAL
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    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 24 Sep 2022

    Agra Personal Loan Details
    Interest Rate (Monthly reducing balance) 9.99% - 49.00% p.a.
    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 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 2022

    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 9.99% - 16.49% p.a. (Fixed)
    Standard Chartered 10.25% - 21.00% p.a. (Fixed)
    Capital First 10.49% p.a. onwards
    Tata Capital 10.99% p.a. onwards
    HDFC Bank 10.50% - 21.00% p.a. (Fixed)
    IndusInd Bank 10.49% - 31.50% p.a (Fixed)
    Fullerton 11.99% p.a. onwards (Fixed)
    Kotak Mahindra 11.49% to 20.15% (Fixed)
    Aditya Birla 11.5% to 13.25% (Fixed)
    Bank of Baroda 10.50% - 12.50% p.a. (Fixed)
    Bank of Maharashtra 9.45%-11.80% p.a. (Fixed)
    Bank of India 10.35% to 12.35% p.a.(Fixed)
    Central Bank 9.85%-10.05% p.a. (Floating)
    Dena Bank 10.50% - 12.50% p.a. (Fixed)
    IDBI Bank 9.50%-14.00% p.a. (Floating)
    Indian Overseas Bank 10.80% p.a. (Fixed)
    Karur Vysya 9.40% to 19.00% p.a. (Floating)
    South Indian Bank 10.25% to 18.00% p.a. (Fixed)
    State Bank of India 10.60% to 12.60% p.a. (Fixed)
    UCO Bank 10.05% p.a. (Fixed)
    Union Bank 8.90% to 13.00% p.a. (Floating)
    Vijaya Bank 10.50% - 12.50% p.a. (Fixed)
    Yes Bank 10.00%-24.00% p.a. (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.

    FAQs Agra Personal Loan

    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.

        

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    Agra Personal Loan Reviews

    • Tata capital
      "Need to decrease interest rate"
      0.5 4.0/5 "Great!"
      TATA CAPITAL has offered a bit high rate of interest and fee. The process was done on good, the amount was not sufficient offered only 2L but I was expecting more than that. The tenure period of 1 year. Since an interest rate is high, closed the loan process from my end.
      Was this review helpful? 9
      , agra
      Reviewed on Mar 17, 2020
    • HDFC Bank
      HDFC Bank
      "Need to decrease processing fee "
      0.5 2.0/5 "Expected more"
      HDFC bank has offered a personal loan through online. The rate of interest was okay. The processing fee was high for this loan. I got a call from bank after 5 days. The loan amount was okay of 3.25L with tenure period of 3 years. Unfortunately, it was closed without providing me any detail.
      Was this review helpful? 0
      , agra
      Reviewed on Jan 02, 2020
    • HDFC Bank
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC Bank personal loan through Online .I have not taken this loan since no requirement .There was no difficulties with the rate of interest and the processing fee.I have not submitted any of my documents for this loan.Each and every details about the loan process wasshared by the agent.
      Was this review helpful? 0
      , agra
      Reviewed on Dec 05, 2019
    • Axis Bank
      "Need to reduce interest rate"
      0.5 2.0/5 "Expected more"
      I had applied for AXIS Bank personal loan via an executive and loan amount disbursed with in 5 to 6 days. Loan amount approved was 6L with 15.4% interest rate which is very high, I was in need of money so I accepted. I got an update regarding interest rate at the end of the process. The processing fee was around Rs.3,000.
      Was this review helpful? 2
      , agra
      Reviewed on Nov 06, 2019
    • HDFC Bank
      "Need to improve their service "
      0.5 2.0/5 "Expected more"
      I have applied for HDFC BANK personal loan via online and received the call twice form bank for the documents collection but no executive came to collect it. I asked about interest rate, executive informed once documents are collected, we will conform about other details.
      Was this review helpful? 0
      , agra
      Reviewed on Nov 06, 2019
    • HDFC Bank
      "Average service"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC Bank personal loan through Online .I have not availed this loan since no callback and follow up from bank end .I have got all the required details about the loan process very clearly through the agent .According to me the service was quite average .
      Was this review helpful? 0
      , agra
      Reviewed on Oct 14, 2019
    • HDFC Bank
      "HDFC is not a better option"
      0.5 3.0/5 "Satisfactory"
      I had applied the personal loan with HDFC but they had taken lots of time and it took almost 20 days even though i have given lots of documentation whatever they asked me. Finally, i have received the money after 20 days. Documentation process was very slow and the response was not fast. I have given the documents of PAN card, aadhar card and cheque leaf.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 11, 2019
    • HDFC Bank
      "Good"
      0.5 5.0/5 "Blown Away!"
      On a month before I was applied for a personal loan with HDFC bank which was processed through an online. The loan amount was sufficient of 2 lakhs for the tenure period of 2 years. The rate of interest was nominal. From bank end not process for further verification and not intimate the reason as well.
      Was this review helpful? 1
      , agra
      Reviewed on Oct 05, 2019
    • HDFC Bank
      "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
      "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
    • HDFC Bank
      "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
    • HDFC Bank
      "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
    • HDFC Bank
      "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
    • HDFC Bank
      "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
    • HDFC Bank
      "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
    • HDFC Bank
      "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
    • HDFC Bank
      "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
    • Bank of Baroda
      "Efficient Bank"
      0.5 5.0/5 "Blown Away!"
      Bank of Baroda is one of those efficient banks that provided me with a loan long time ago, and their process involved minimal hazzle. The loan got approved within a day, I had option to preclose my loan which I did. The rate of interest is also good in the bank.
      Was this review helpful? 25
      , agra
      Reviewed on Oct 10, 2017
    • HDFC Bank
      "Great support"
      0.5 5.0/5 "Blown Away!"
      HDFC bank provided the great support when I approached them for the personal loan. They done the loan process in a good manner and their customer service is really good. They promptly assisted me and there was no delay during the loan process. Moreover interest rate is good.
      Was this review helpful? 0
      , agra
      Reviewed on Jul 24, 2017
    • HDFC Bank
      "Hassle free loan"
      0.5 5.0/5 "Blown Away!"
      The personal loan process with HDFC bank was really good. They took time to disburse my personal loan, but still they were in touch with me and they were updating me the status of the product regularly. The required loan amount was not given ,but still I happy about the loan amount. The rate of interest was nominal with HDFC bank.
      Was this review helpful? 1
      , agra
      Reviewed on Jul 01, 2017
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