Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 31 Bhubaneshwar Personal Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.49% - 15.99% Fixed
    0.5%
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
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    Fees & Charges
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    Eligibility Criteria
    Customer Reviews
    10.99% - 14.49% Fixed
    0
    30L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 19.8% Fixed
    Up to 2% One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.49% - 21.00% Fixed
    0 One time fee
    20L Max
    1-6 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13.99% - 16.99% Fixed
    0 One time fee
    20L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless Approval Option Available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 17.99% Fixed
    2.25% (min. ₹1499 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12% - 18% Fixed
    Up to 1.5% One time fee
    15L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free INSTANT DECISION
    What you'll love
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    Perks
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12% - 19% Fixed
    Up to ₹3000 One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.70% - 11.70% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Response Time Within 30 minutes
    Guarantor Required Paperless approval option available
    What you'll love
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    17.25% - 37% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    11% - 16.49% Fixed
    Up to 2.5%
    15L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.75% - 13.75% Fixed
    1% One time fee
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
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  • Bhubaneshwar Personal Loan Reviews

    • Bank Bazaar Customer Support
      "Nice E-process"
      0.5 4.0/5 "Great!"
      Bank bazaar , as the name shows -A real place to market for . .. Saves time and effort ;more over it automatically selects what's best suited for you. Almost 80% of processes are done within few minutes. Hassle free follow-ups and processes. Thanks.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jul 13, 2017
    • Bank Bazaar Customer Support
      "Good"
      0.5 4.0/5 "Great!"
      Excellent , a very good customer service and excellent executive customer care and contact person. All the person who are taking with customers are very kind also they give the very right answer and also they provide detailed description of each and every product.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jul 05, 2017
    • ICICI Bank Personal Loan
      "Need Improvement"
      0.5 2.0/5 "Expected more"
      The ICICI bank customer service is not up the mark. The rate of interest is high when compared with other banks. They need to reduce their interest rate in future. The response was also not customer centric with ICICI bank. ICICI needs improvement in their service.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jun 29, 2017
    • Bank Bazaar Customer Support
      "Nice Website"
      0.5 5.0/5 "Blown Away!"
      I had no issues with bankbazaar. I received very good response from them. They contacted me on time and provided the required details for the loan. Also they forwarded my application to the bank. The website is good and very nice to handle...
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jun 20, 2017
    • ICICI Bank Personal Loan
      "Very Irresponsible"
      0.5 1.0/5 "Really Bad"
      For the personal loan, I approached ICICI bank and I submitted my application through online source. But from the time I submitted my loan application, I did not hear anything from them. The bank is never bothered to reply or provide any information on my application but they closed it without disclosing the reason.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jun 20, 2017
    • Bank Bazaar Customer Support
      "Very Good service"
      0.5 4.5/5 "Excellent!"
      I am using bank bazaar for around past 4 years. I know bank bazaar through Google web search . The bank bazaar web site is easy to use and user friendly. The bank bazaar customer service is good and very supportive. I am happy about the bank bazaar service.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jun 15, 2017
    • Bajaj Finserv Personal Loan
      "Need Improvement"
      0.5 1.0/5 "Really Bad"
      The Bajaj Finserv gave very bad experience in concern to my personal loan . They took around 1 week to disburse my personal loan. I would like to say the loan amount can be increased in future, because I am not happy about their loan amount. The rate of interest is high when compared with others.
      Was this review helpful? 1
      , bhubaneshwar
      Reviewed on Jun 15, 2017
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      The process was good with ICICI bank personal loan. The rate of interest is higher than other bank. The executives with ICICI bank are really good in my place. ICICI took just 2 to 3 days to disburse my loan. The documentation was done in a processed way. They came and collected my documents within a daytime. I have applied for 2lakhs but they approved only Rs. 50,000.
      Was this review helpful? 2
      , bhubaneshwar
      Reviewed on Jun 15, 2017
    • Bank Bazaar Customer Support
      "Good Service"
      0.5 4.0/5 "Great!"
      The services of bankbazaar is really good and I received proper response on my loan application and they contacted me on time for the inquiry. Everything went good with bank bazaar. The website is quite easy to handle and the entire service is nice.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jun 14, 2017
    • ICICI Bank Personal Loan
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      ICICI Bank has not been up to the mark. I had applied for a personal loan and there was no response from them they should have called and respond what happened about my application, but they did not.The overall experience has not been satisfactory.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jun 14, 2017
    • Bank Bazaar Customer Support
      "User friendly Website"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar portal is very easy to use, to compare the interest rate. I have browsed for many products like credit card and loans. Their response is also good, once I placed the loan request they have called me and given the satisfactory service to me.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jun 01, 2017
    • ICICI Bank Personal Loan
      "Loan process has to be changed in ICICI"
      0.5 4.0/5 "Great!"
      I am working in a central government institute but in contract basis for past three years. Hence ICICI have rejected my loan application. Thou I was getting more than Rs.40,000 salary but still ICICI didn't consider or they didn't give any other alternate option to take loan.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Jun 01, 2017
    • Bank of India Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I took personal loan from Bank of India .Nearly 13.5% rate of interest was offered and within 10 days the loan was disbursed. Rs.1500 to 2000 was charged as the processing fee. I felt that the service is good. I have the salaried account with them so the process went on smooth.The loan amount given was less comparing to the other banks
      Was this review helpful? 1
      , bhubaneshwar
      Reviewed on May 25, 2017
    • Bank Bazaar Customer Support
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      Bank bazaar is really good and provides prompt service. They kept following up with me right from first. Response and customer service was truly good. .I applied for my loan through bank bazaar from online and I received an immediate response. Website is very good and I can say its the better experience.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on May 25, 2017
    • ICICI Bank Personal Loan
      "Service Is Not Good"
      0.5 1.0/5 "Really Bad"
      The experience with ICICI Bank for the personal loan has not been up to the mark. They should have contacted the customer on time when customer is asking them to call, Later on the response is not really good, I had faced many difficulties in contacting them, first of all they did not give me any call regarding about my personal loan. Later I tried calling them no proper response I even went tot here branch but no use.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on May 25, 2017
    • Bank Bazaar Customer Support
      "Great Experience "
      0.5 5.0/5 "Blown Away!"
      It's a great experience of getting a loan through bankbazaar.com, it's too easy to avail it. I got that also.they did n't charge any amount for the service. The service provided by them really nice.i am really happy and satisfied with the service provided by them.
      Was this review helpful? 1
      , bhubaneshwar
      Reviewed on May 22, 2017
    • ICICI Bank Personal Loan
      "Happy banking"
      0.5 3.0/5 "Satisfactory"
      I visited ICICI bank directly and applied for a personal loan. As I received my salary by cash, I could not go through online source, but thank God that ICICI bank provided the loan even when I get my salary by cash. I am happy with ICICI bank and interest rate is very normal with them.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on May 18, 2017
    • HDFC Bank Personal Loan
      "Not Satisfied"
      0.5 1.0/5 "Really Bad"
      I had taken a personal loan from credit card department of HDFC bank. It is a kind of preapproved loan. They had given me around 95000. But the interest rate is very high with them. Actually I asked them to provide it in a single slot but they did not. So I have a lot of confusions on their calculation of interest rate. I am unable to calculate their interest rate. So I am not at all satisfied with HDFC bank.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on May 09, 2017
    • Axis Bank Personal Loan
      "Best Foreclosure option"
      0.5 4.0/5 "Great!"
      I have taken personal loan with AXIS before two year at the time they offered me high interest rate of 18%. Best part about AXIS loan has no charges for the foreclosure. I had taken the loan amount of Rs. 2 lakhs then I have closed my loan without any fee, I had paid only the remaining principal amount of Rs.70,000 then I got NOC from them.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Mar 28, 2017
    • HDFC Bank Personal Loan
      "Fast and Hassle free process"
      0.5 3.0/5 "Satisfactory"
      Long back , during the year 2010 I had taken my personal loan from HDFC. The process was fast on my personal loan disbursement. But at that time interest rate was very high, they offered me an interest rate of 23% and with some processing fee. Then I had taken the loan amount of Rs. 2.50 Lakhs for a tenure of 3 years, my loan got closed during the year 2013. Also, I had got my personal loan NOC letter from the bank.
      Was this review helpful? 2
      , bhubaneshwar
      Reviewed on Mar 01, 2017
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    Bhubaneshwar Personal Loan is Rated as "Great!" by 310 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    Bhubaneswar, the capital of the state of Odisha, is one of the most important cities in Eastern India.It’s situated at a close distance from the erstwhile capital of the state, Cuttack, and together they form twin cities of great significance for the region.

    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.


    You’re probably eligible for an Bhubaneswar Personal Loan if you are

    01
    02
    03
    04
    Bhubaneswar Personal Loan Minimum Age

    At least 21 years old

    Bhubaneswar Personal Loan Maximum Age

    Less than 65 years old

    Bhubaneswar Personal Loan Eligible Employment Type

    Salaried / Self – Employed
    with regular income

    Bhubaneswar Personal Loan Minimum Income

    Earn more than the minimum
    income required


    Your Bhubaneswar Personal Loan amount eligibility is based on these factors

    01
    02
    03
    Bhubaneswar Personal Loan Minimum Salary

    Minimum income required
    Rs.17,500 per month

    Bhubaneswar Personal Loan Maximum Loan Funded

    Maximum allowed personal loan is Rs. 50K to Rs. 30 lakhs

    Bhubaneswar Personal Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Bhubaneswar Personal Loan amount by these steps

    01
    02
    Bhubaneswar Personal Loan Payoff Outstanding Credit Card Bills

    Pay off your credit card bills

    “Bhubaneswar

    Choose longer tenure loan up to 5 years


    Documentation needed to apply for an Bhubaneswar 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

    Bhubaneswar Personal Loan Interest RatesUpdated on 24 Jul 2017

    Bhubaneswar 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 Bhubaneswar

    There are a large number of well-known banks and lending companies which offer personal loans to residents of Bhubaneswar. Comprised of salaried and self-employed, personal loans are a highly demanded product in Bhubaneswar. With banks offering attractive rates on personal loans, more and more people are opting for them to take care of many personal needs such as interior re-decoration, finding a wedding or a similar family occasion, consolidate debt repayments, pay for an emergency medical expenditure, pay tuition fees for coaching classes, paying for a vacation, etc.

    Personal Loan Offered by various Banks in Bhubaneswar

    There is a number of banks and leading NBFCs which offer a variety of personal loans in Bhubaneshwar. Leading private and public sector banks such as HDFC Bank, Tamilnad Mercantile Bank, Union Bank, Vijaya Bank, State Bank of India, Indian Bank, Bank of Maharashtra, ICICI Bank, Axis Bank, Citibank, HDB Financial Services (a subsidiary of HDFC Bank), Standard Chartered, Oriental Bank of Commerce, Kotak Mahindra, Allahabad Bank, Bank of India, Bank of Baroda, Canara Bank, Karur Vyasya Bank,, IDBI Bank, IndusInd Bank, Dena Bank, Central Bank, Indian Overseas Bank, UCO Bank, South Indian Bank, Yes Bank and many more offer personal loans to customers.

    In addition to banks, many leading NBFCs like Tata Capital, Fullerton, Capital First, Aditya Birla, and more provide personal loans as well.

    How to Get a Personal Loan with the Lowest Interest Rate in Bhubaneswar

    There are many ways in which one can get lower rates of interest on personal loans.

    • Ensure that you have maintained a high credit score before you apply for a personal loan. Since these are unsecured loans, your credit score serves as a guarantee of your repayment capacity. Aim for a credit score of above 750 to get the lowest interest rates that the lender has to offer.
    • Your lender carefully. Do your research and go with a lender who offers a personal loan that suits your needs.
    • Evaluate your fund requirements before applying for a personal loan. Since the interest applicable on personal loans is higher than other types of loans, you would stand to lose financially if you choose a loan amount that is greater than what you need.

    Personal Loan Interest Rates in Bhubaneswar 2017

    Given below are the interest rates charged on personal loans offered by leading banks in Bhubaneswar

    Bank Personal Loan Interest Rate
    Citibank 10.99% to 15.99% (fixed)
    Standard Chartered 11.25% to 14.49% (fixed)
    ICICI Bank 11.59% to 18.49% (fixed)
    Oriental Bank of Commerce 10.85% to 11.85% (floating)
    HDFC Bank 11.49% - 19.8% (fixed)
    IndusInd Bank 11.99% to 19% (fixed)
    Kotak Mahindra 11.49% to 20.15% (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)
    IDBI Bank 12.45% (floating)
    Indian Bank 12.65% to 13.65% (floating)
    Indian Overseas Bank 13.65% (fixed)
    Yes Bank 14% (fixed)
    Vijaya Bank 13.50% (fixed)
    Union Bank 14.4% (floating)
    UCO Bank 11.35% to 11.60% (fixed)
    Tamilnad Mercantile Bank 14.30% to 16.30% (floating)
    State Bank of India 12.90% to 14.90% (fixed)

    Salary Requirements to avail Personal Loans in Bhubaneswar

    Income related requirements for personal loans are different from bank to bank. While some banks may have a lower minimum income requirement, some banks may have a slightly higher requirement. Also, the minimum income requirement for salaried and self-employed applicants will differ. Given below are the general salary requirements for availing a personal loan.

    • Salaried applicants - Applicants who have a regular stream of income are usually required to have a net monthly income ranging between Rs.7,500 to Rs.50,000.
    • Self-employed Applicants - Applicants who are self-employed are often asked to produce a proof of the income via their balance sheet or Profit and Loss account for the last 1 year or more. The minimum annual income requirement for self-employed applicants ranges between Rs.1 lakh to Rs.2 lakh

    Bhubaneswar Personal Loan FAQs

    1. What are personal loans?

    Personal loans are unsecured loans which can be taken to fulfill any personal requirement for which one may not want to use their savings.

    2. What is meant by an unsecured loan?

    An unsecured loan, like a personal loan, is one where the borrower is not required to provide any collateral or security in order to avail the loan. However, some lenders may ask the borrower to provide some form of security.

    3. What is fixed and floating interest rate?

    A fixed rate of interest is one where the interest chargeable on the loan remains fixed for the entire term of the loan. A floating interest rate arrangement is where the interest rate keeps changing as per the market conditions.

    4. What is the average tenure of a personal loan?

    The average tenure of a personal loan range from 1 year to 5 years. It an vary from lender to lender.

    5. Do lenders allow prepayment on personal loans?

    Prepayment on a personal loan may or may not be allowed, depending on the lender’s terms. Please check with your lender before availing the loan.


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