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    Ahmedabad Personal Loan

    With all major banks in the city, getting a personal loan at attractive interest rates in Ahmedabad is as easy as it gets! Ahmedabad is one of the major cities not only in Gujarat, but in India. As such, it is home to some of the biggest and best banks and financial institutions in the country. With interest rates starting from just 10.99% and flexible repayment tenures, you can avail a personal loan in Ahmedabad with utmost ease.
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    We found 33 Ahmedabad Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.75% - 18.00% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
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    10.99% - 17.99% Fixed
    0
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Accelerated Approval
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    20% - 22%  Fixed
    2.50%
    2L Max
    1-3 Years
    Response Time : Within 30 minutes
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    Good to Know
    Eligibility Criteria
    23% Fixed
    2% + Taxes
    10L Max
    1 - 2 Years
    Response Time : Within 30 minutes
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    11.25% - 21.50% Fixed
    Up to 2.5% One time fee
    40L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    11.00% - 16.75% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    Response Time : Within 30 minutes
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    11.25% - 19.99% Fixed
    Up to 2.5%
    25L Max
    1-5 years
    Response Time : Within 30 minutes
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    16.5%-20% Fixed
    Up to 2% or minimum ₹2,000 (whichever is Max) One time fee
    15L Max
    1-5 Years
    Response Time : Within 30 minutes
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    16% - 28% Fixed
    2% - 5%
    50K - 7.5L
    1-4 Years
    Response Time : Within 30 minutes
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    11.25% - 22.00% Fixed
    From .75% (min. ₹999 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
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    14.99% - 14.99% Fixed
    Up to 2% One time fee
    20L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    11.5% - 13.5% Fixed
    1% + applicable tax One time fee
    2L - 25L
    1-5 Years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    Ahmedabad Personal Loan is Rated as "Great!" by 1527 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    Ahmedabad is a prominent city in the state of Gujarat, which used to be the capital of the state. This city is a leading commercial centre of the state with several trading and commerce activities. It is a business district that has leading institutions related to information technology, education, scientific research, culture, etc.

    The residents of this city have good access to banks and non-banking financial companies (NBFCs) for financial products and services. If you are looking for a personal loan, you can choose a bank or an NBFC as your lender and get a good loan deal at an attractive interest rate.

    Personal loans can be availed with minimal documentation within just a few hours. All you need to do is meet the most basic eligibility criteria, and you will most likely receive your personal loan amount without any difficulty. You can apply for personal loans online or by visiting your lender’s branch.

    Documentation needed to apply for an Ahmedabad 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

    Ahmedabad Personal Loan Interest RatesUpdated on 27 May 2019

    Ahmedabad 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 Loans offered by Various Lenders in Ahmedabad

    Let us take a look at some of the leading lenders that provide personal loans in the city of Ahmedabad:

    • Dena Bank
    • United Bank of India
    • State Bank of India (SBI)
    • Kotak Mahindra Bank
    • City Union Bank Ltd
    • Indian Overseas Bank
    • Punjab National Bank
    • Axis Bank
    • ING Vysya Bank
    • Abhyudaya Cooperative Bank Limited
    • Canara Bank
    • IDBI Bank
    • ICICI Bank
    • Rajkot Bank
    • Bank of Baroda
    • Indian Bank
    • Bajaj Finserv
    • UCO Bank
    • Vijaya Bank
    • Central Bank of India
    • Bank of Maharashtra
    • J & K Bank
    • GM National Bank for NABARD
    • Allahabad Bank
    • Yes Bank
    • Dhanlaxmi Bank
    • Dena Gujarat Gramin Bank
    • Madhavpura Mercantile Co-operative Bank Limited

    Personal Loan Interest Rates in Ahmedabad 2018

    The following table shows the interest rates for some of the banks that offer personal loans in Ahmedabad:

    Bank Interest Rate Range Processing Fee Range Loan Amount Tenure
    Bajaj Finserv 13.99% p.a. 2.25% to 3% of the loan amount Up to Rs.25 lakh 12 months to 60 months
    YES Bank 14% p.a. Information not provided. Rs.2 lakh to Rs.20 lakh 1 to 5 Years
    J & K Bank (Consumer loan) Up to MCLR + 3.50% p.a. Nil Up to Rs.75,000 with up to 12 times your net monthly salary Up to 60 months
    Bank of Maharashtra 1 year MCLR + 4.00% p.a. 1% of your loan amount with a minimum of Rs.1,000 Up to Rs.1.50 lakh Up to 36 months
    Vijaya Bank Up to 13.50% p.a. 0.75% of your loan amount along with the GST Up to Rs.10 lakh Up to 60 months

    Salary requirements to avail Personal Loans in Ahmedabad

    If you are a salaried employee, your monthly income will need to be at least Rs.15,000 or higher. The minimum salary requirement will differ from lender to lender. If you are a self-employed applicant, then your business should have earned a profit of at least between Rs.1 lakh and Rs.2 lakh on an annual basis.

    Ahmedabad Personal Loan FAQs

    1. Will I get a personal loan in Ahmedabad if my credit score is lower than 750?

    Even with a credit score of 750 and above, there is no proper assurance that your loan application will be accepted. However, if your credit score is lower than 750, you could try some alternative ways of getting your loan approved. You could furnish a collateral to assure your lender that you will repay your loan promptly. If you are earning a high income, you could show your income proof to ensure that you will be able to pay this loan without any struggle albeit your low credit score. You could also include the income of your spouse to improve your eligibility.

    2. Will I have to get in touch with any middleman to apply for a personal loan?

    No, you do not need any middleman to get a personal loan. It is very simple to apply for a personal loan. You can visit the official website of your lender or a third-party financial website. You could also visit a branch of your lender.

    3. Do I have to pay any additional fee or charge for availing a personal loan?

    You will most probably have to pay a processing fee while applying for your loan. This is a one-time fee.

    4. What are the types of interest rates charged for personal loans?

    You can choose from fixed or floating/variable interest rates for your personal loans. Fixed interest rates will remain fixed throughout your loan tenure and floating or variable interest rates will change as per fluctuations in the benchmark rates.

    5. If I am an existing customer of a bank and if I apply for a personal loan from the same bank, will I get a preferential rate of interest?

    This will depend on your lender. If you have a salary account or any other account with a particular bank, you may get a low rate of interest as you already have an existing relationship with your lender. Make sure you check with your lender about this special interest rate before you apply for their loan.

        

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    Ahmedabad Personal Loan Reviews

    • Standard Chartered Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      Even recently i have applied for personal loan with Standard chartered bank , the loan amount which they have given to me was up to 3,60,000 which was sufficient, they have this time charged me less rate of interest with minimal processing fee, still this loan is running, so far no issue i from them.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 25, 2019
    • Standard Chartered Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been taken personal loan with Standard chartered bank long back , the loan amount which they have given to me was 3,60,000 which was sufficient, they have not charged me any hidden charges so far, the rate of interest they have charged me i felt was very high, so far i did not face any issue from them.Now successfully i closed this loan.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 25, 2019
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding HDFC bank personal loan from long time , they rate of interest they have charged me i felt was nominal for me and they have charge me processing fee but i have no idea how much they have charge me and the loan amount they have given me was sufficient, there is no problem with customer service team .
      Was this review helpful? 1
      , ahmedabad
      Reviewed on May 25, 2019
    • ICICI Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken a Personal loan from ICICI Bank almost ten years back and the experience had been pretty much good. The loan amount has been fine and the interest rate with them had been nominal as well. They had not made any sort of hidden charges and their customer support team had also been quite helpful. Overall it had been a good experience.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on May 17, 2019
    • ICICI Bank Personal Loan
      "GOOD"
      0.5 4.0/5 "Great!"
      I have taken the personal loan with the ICICI BANK where the documentation process was simple and quick process. The loan amount was good also the rate of interest was nominal with this loan. The customer service and responsiveness is good with this loan.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on May 13, 2019
    • IDFC Bank Personal Loan
      "AVERAGE"
      0.5 2.5/5 "Just OK"
      I have applied for the personal loan with the IDFC BANK the documentation process was simple and easy to get the loan also it is easy to apply the loan. The rate of interest was higher when compared to the others also they have given the loan amount which is good.
      Was this review helpful? 4
      , ahmedabad
      Reviewed on May 10, 2019
    • Bank Bazaar Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the services of Bank Bazaar for the last four years and i am satisfied with the services which they had provided so far. I had recently applied for a personal loan through them and the process was all done online and it was very easy. I have been using their web portal which has been quite convenient and even there was a help from their customer support.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on May 10, 2019
    • Tata capital Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I had taken a Personal loan from TATA CAPITAL a little while back and the process in getting the loan was simple and everything was done through online. The loan amount has been sufficient and the interest rate with them has been pretty nominal when compared with the market rate. The processing fee which they had made has also not been high.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on May 10, 2019
    • Kotak Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I was in a need of Personal Loan and applied with KOTAK BANK . They have consider my request and need and processed on a quick note.Over all i am happy with its services. This loan has a tenure of sufficent and when it comes to interest rates it is reasonable compared to other bank.
      Was this review helpful? 3
      , ahmedabad
      Reviewed on May 04, 2019
    • RBL Bank Personal Loan
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I have taken the personal loan with the RATNAKAR BANK they have given the loan amount which was good abut the loan amount was little higher than others. I have closed the loan abut the documentation process was simple and good to get the personal loan.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 04, 2019
    • Fullerton Personal Loan
      "NOT SATISFIED"
      0.5 1.0/5 "Really Bad"
      I have applied for the personal loan with the FULLERTON where the documentation process was simple and easy to get the loan and the loan amount was satisfactory with this loan but the rate of interest was higher when compared to the others.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on May 04, 2019
    • HDFC Bank Personal Loan
      "Overall good"
      0.5 3.5/5 "Pretty good"
      HDFC Bank has offered me a personal loan. The customer support and response is good. The rate of interest is on the higher side. It is of 15.5%. Even the closure has a lot of charges. They need to work on that. Else the process was smooth and on time.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Apr 30, 2019
    • HDFC Bank Personal Loan
      "Good. Can reduce the ROI"
      0.5 3.5/5 "Pretty good"
      It was a fine process with HDFC Bank. I have taken a personal loan and I got the loan with no hassles. They were quick and the loan was processed on time. The customer support and response is fine. The rate of interest is 13.5% and the processing charges are normal.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Apr 30, 2019
    • HDFC Bank Personal Loan
      "Loan eliglibity should be increased"
      0.5 3.0/5 "Satisfactory"
      My salary account with HDFC and I have good relationship with the bank but still the loan eligibility amount is very less. I am not fine with that part, I have taken the loan amount of Rs. 78,000 it would be great if they increase the eligibility amount. Need to consider customer's transaction.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 26, 2019
    • Bank Bazaar Personal Loan
      "Friend in need"
      0.5 5.0/5 "Blown Away!"
      I could check the free credit score in single portal based on the report they are showing the eligibility for the financial products like loans, credit card. The online browser is very easy to check all the financial details, I am very happy service and the process.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Apr 26, 2019
    • Ujjivan Bank Personal Loan
      "Good Experience"
      0.5 4.0/5 "Great!"
      I availed Rs.1.6 lakh from Ujjavan small finance, they gave me economical interest for the duration of three years. The institute have taken around 4 days to sanction the amount also the executives are very helpful in terms of helping on the loan procedure.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Apr 26, 2019
    • Bank Bazaar Personal Loan
      "Good Service Provider"
      0.5 5.0/5 "Blown Away!"
      The service is very fast in Bank Bazaar and they are informative . Most important thing they wont disturb the customer during working hours, they are calling according to the customer convenience. Its my first experience, I was very satisfactory on my personal loan process.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 26, 2019
    • HDFC Bank Personal Loan
      "Interest rate should be economical"
      0.5 4.0/5 "Great!"
      I took the loan from HDFC, they quoted me 24% its huge as compared to others. It should be reasonable in the market, I got t he loan disbursement on time because. I done the online documentation, it would be great if they reduce the percentage of interest. However there was no processing fee.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 26, 2019
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I am using the services of BANK BAZAAR for the last four years where i was using through their web portal and for the last one year i am using the mobile application of them. The services of them had been better and i used to check my credit scores through them. But i must say that according to the credit score of the customers they should be providing the customers the loans and credit cards.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 21, 2019
    • Early Salary Personal Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      The process in getting my Personal loan from EARLY SALARY has been quite good. The loan amount has been sufficient and the interest rate with them has been reasonable. There was no additional charges made by them and the staffs and customer support team of them had been helpful.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Apr 21, 2019
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