Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 32 Ghaziabad Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 14.49% Fixed
    0 to ₹1,180
    30L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
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    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 available
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    Perks
    Fees & Charges
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    Eligibility Criteria
    Customer Reviews
    10.99% - 20.70% Fixed
    Up to 2.5% One time fee
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Paperless approval available
    What you'll love
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    Perks
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    Eligibility Criteria
    Customer Reviews
    12.99% - 12.99% Fixed
    Up to 2% One time fee
    20L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
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    Eligibility Criteria
    10.99% - 17.99% Fixed
    2.25% (min. ₹1,499 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13.49% - 19.99% Fixed
    Up to 2%
    Upto 25L
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
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    Perks
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.65% - 11.65% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Response Time : Within 30 minutes
    Guarantor Required Paperless approval available
    What you'll love
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    14% - 33% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time : Within 30 minutes
    Paperless approval available
    What you'll love
    Documents
    Perks
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 15.99% Fixed
    Up to 0.5%
    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
    Customer Reviews
    10.99% - 17.99% 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
    11.00% - 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
    12% - 19% Fixed
    Up to 3% One time fee
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
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    Customer Reviews
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  • Ghaziabad Personal Loan is Rated as "Great!" by 888 Users

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    Promised Interest Rate

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    Personal Loan BYTES FROM OUR KITCHEN

    Ghaziabad Personal Loan

    Ghaziabad is in Uttar Pradesh in India. As its boundary is adjacent to Delhi, it acts as the main entrance of Uttar Pradesh and that is why it is also called the Gateway of Uttar Pradesh.Recent construction works have led to the city being described by a City Mayors Foundation survey as the second-fastest growing in the world.

    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 Ghaziabad Personal Loan if you are

    01
    02
    03
    04
    Ghaziabad Personal Loan Minimum Age

    At least 21 years old

    Ghaziabad Personal Loan Maximum Age

    Less than 65 years old

    Ghaziabad Personal Loan Eligible Employment Type

    Salaried / Self – Employed
    with regular income

    Ghaziabad Personal Loan Minimum Income

    Earn more than the minimum
    income required


    Your Ghaziabad Personal Loan amount eligibility is based on these factors

    01
    02
    03
    Ghaziabad Personal Loan Minimum Salary

    Minimum income required
    Rs.17,500 per month

    Ghaziabad Personal Loan Maximum Loan Funded

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

    Ghaziabad Personal Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Ghaziabad Personal Loan amount by these steps

    01
    02
    Ghaziabad Personal Loan Payoff Outstanding Credit Card Bills

    Pay off your credit card bills

    “Ghaziabad

    Choose longer tenure loan up to 5 years


    Documentation needed to apply for an Ghaziabad 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

    Ghaziabad Personal Loan Interest RatesUpdated on 11 Dec 2017

    Ghaziabad 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 Ghaziabad

    Customers who need cash either to fund their wedding, take a trip abroad, or have to financially cover an emergency situation etc., have the option of availing personal loans in Ghaziabad from the top banks and NBFCs in the country. To make the process easier, customers can make use of financial portals such as BankBazaar to narrow down on a loan offered by a particular bank. On the BankBazaar website, customers can compare loans offered by its partner banks and choose one offering the best interest rate, etc. Customers can also make EMI calculations on the BankBazaar website and determine how much they will have to put aside from their net monthly income to repay the personal loan.

    Personal Loan offered by various banks in Ghaziabad

    Listed below are the top banks and NBFCs in Ghaziabad that are offering personal loans.

    • Aditya Birla
    • Bajaj Finserv
    • Tata Capital
    • Citibank
    • Oriental Bank
    • ICICI Bank
    • Standard Chartered Bank
    • HDFC Bank
    • Fullerton
    • Kotak Mahindra Bank
    • Axis Bank

    How do I get a Personal Loan with the lowest interest rate in Ghaziabad?

    Customers need to look at certain components before availing a personal loan - components that affect the overall interest rate added to the personal loan. To ensure that you avail a loan at the lowest interest rate possible, you’d have to look into these components.

    Credit score: If by chance your credit score is below 750, banks usually offer personal loans at a higher interest rate. The higher your credit score, the lower will be the interest rate offered to you by the bank or the NBFC. A credit score of 750 plus is ideal when availing a personal loan.

    Down payment: Making an upfront down payment anything above 20% of the total loan amount will result in the bank offering you a lower interest rate. Most people make the mistake of not making a down payment towards the loan, resulting in the bank or NBFC offering you a loan at a higher interest rate.

    Debt-to-income ratio: Banks and NBFCs in most cases reject the application of a customer if the debt-to-income ratio exceeds 50% as it reduces the bank’s trust in your repaying the loan amount. A debt-to-income ration anything less than 40% of your net monthly income will result in the bank or NBFC offering you a personal loan at a better interest rate.

    Loan shopping: Financial portals such as Bank Bazaar aid customers when deciding on where to avail a loan from as they compare the loan offers (with the interest rate, processing fee, etc.) of all its partner banks and displays the bank or NBFC offering personal loans at the lowest interest rate. Always ensure that you make comparisons for loan offers from different banks and NBFCs before availing a loan.

    Your company’s reputation and your experience: Having a decent number of years of experience as well as working for a reputed company enhances the bank’s trust in your repaying the loan in time, thereby positively affecting the interest rate added to the personal loan.

    Negotiating: Having a good relationship with the bank will increase your chances of getting a lower interest rate added to your loan. You could also try getting the loan processing fee waived.

    Personal Loan Interest rates in Ghaziabad

    Bank Interest Rate Range Processing Fee Range Loan Amount Tenure
    ICICI Bank 11.00% - 17.99% (Fixed) 2.25% (min. Rs.1149) One time fee Rs.20 lakh (Max) 1-5 Years
    CitiBank 11.49% - 15.99% (Fixed) 1% to 2.5% Rs.30 lakh (Max) 1-5 Years
    Kotak Mahindra Bank 11.49% - 20.15% (Fixed) Up to 2% Rs.15 lakh (Max) 1-5 years
    Fullerton 17.25% - 37% (Fixed) 1.5% to 6.0% (One time fee) Rs.15 lakh (Max) 1-4 Years
    Bank of Baroda 11.35% - 14.35% (Fixed) Rs.1,000 to Rs.10,000 (One time fee) Rs.20,000 - Rs.2 lakh 4 Years (Max)
    State Bank of India 12.90% - 14.90% (Fixed) 1% (One time fee) Rs.24,000 - 15 lakh 5 Years
    Aditya Birla 11.5% - 13.25% (Fixed) Nil Rs.30 lakh (Max) 1-5 Years
    Allahabad Bank 13.10% (Fixed) 1.22% (One time fee) Rs.50,000- Rs.7.5 lakh 1-5 Years
    Yes Bank 14% (Fixed) Up to 2% (One time fee) Rs.20 lakh (Max) 1-5 Years

    Salary requirements to avail Personal Loans in Ghaziabad

    When deciding whether to accept or reject a personal loan application, banks and NBFCs take into consideration the income of the individual and one’s debt-to-income ratio. The salary requirements depend on the loan amount one wishes to take and varies from bank to bank.

    For salaried individuals: In general, the salary requirement - depending on the bank and type of loan - ranges between Rs.7,500 and Rs.50,000 of the applicant's monthly net income.

    For self-employed individuals: The profit of the individual for the year should be between Rs.1 lakh and Rs.2 lakh for the individual’s loan application to be approved. Banks and NBFCs take into consideration the income of the individual over the last couple of years.

    Ghaziabad Personal Loan FAQs

    1. What in general affects the credit score of an individual?

      Failure to pay your credit bills and loan dues in time affects the credit score of an individual. A good credit score is anything above 750

    2. Are there any foreclosure charges when it comes to personal loans?

      Banks and NBFCs charge anything between 2-4% of the outstanding amount when the customer makes a foreclosure. That said, in most cases customers can make a foreclosure only 6 months after commencement of the loan.

    3. Which is the best way to pay an EMI towards a loan?

      There are several ways to pay an EMI. You can use your net banking account, credit card, debit card, etc.

    4. What is the maximum personal loan amount one can avail?

      Salaried individuals can avail loans anything up to Rs.25 lakh. In the case of availing a joint loan, the loan amount will increase as the income of both parties are taken into consideration.

    5. Tell me the best way to calculate the EMI towards a personal loan?

      You can calculate the EMI using online EMI calculator. The BankBazaar EMI calculator is accurate.

    Ghaziabad Personal Loan Reviews

    • SBI Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken personal loan from SBI and it was a good loan experience with this bank. The loan amount was for Rs 1 lakh with the less interest rate when compared to all other banks. No much documents were required as i already have a salary account with this bank. Customer service was good and they followed up correctly.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 09, 2017
    • Bank Bazaar Personal Loan
      "One stop solution"
      0.5 5.0/5 "Blown Away!"
      I have taken my personal loan via BANK BAZAAR . Their customer service and responses was up to the mark. I am impressed with their fast and paperless process here .heir customer service and responses was very good. I have not faced any run time or down time error while using the website . Its a one stop solution and I would like to recommend to others.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 08, 2017
    • Kotak Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have taken why personal loan with KOTAK bank which was a very convenient and hassle free process. The loan amount was 2 lakhs and the rate of interest was 12% which was avergae in the market . The EMI period was 3 years .They have provided door step service for collecting document and the processing fee was 3000.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 08, 2017
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with bankbazaar so far, the services provided by bankbazaar is good when compared to all other sources in the market. I know bankbazaar.com from last 6 months. Customer service from bankbazaar was good and their response was prompt. I use both mobile application and website, it is easy to access and is user friendly.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Dec 06, 2017
    • Capital First Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan application was approved with CAPITAL FIRST and it was a good loan experience. It took 2 weeks of time for the loan amount to get disbursed. When it comes to customer service, it was good, they followed up correctly and they provided door step service for documents pick up. The rate of interest was nominal when compared to other sources.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Dec 06, 2017
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The bank bazaar service was good in regards to my personal loan application . I got the call back immediately after I gave me requirement in the bank bazaar website. they have reached me within 2hours of time. I have used the bank website, which is easy to use and user friendly.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Dec 06, 2017
    • IIFL Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      It was good experiencing the Indian info line personal service. the customer support and the charges are good with the India Info line. Within 7days of time I got the loan amount from Indian Info line . The rate of interest and the charges are nominal with India Info line .The required loan amount has been given and I am satisfied with it.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 06, 2017
    • Bank Bazaar Personal Loan
      "Better service"
      0.5 4.0/5 "Great!"
      I got the timely response from bank bazaar team. The customer support was prompt with the bank bazaar. I know bank bazaar for more than 4 years. I use bank bazaar mobile application which is easy to use and customer friendly. I am satisfied with the bank bazaar service.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 06, 2017
    • Kotak Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My personal loan got processed in 8 days of time. The customer support is good with the kotak mahindra bank , they gave me better response in regards to my personal loan application. The rate of interest and the charges are average with the Kotak mahindra bank personal loan.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 06, 2017
    • Bank Bazaar Personal Loan
      "Good Platform"
      0.5 4.0/5 "Great!"
      It is my first time experience, I came to know about the website through advertisement. Bank Bazaar should take the full ownership till the disbursement. The response was good. The online portal speed and accuracy was good. It was easy to access and customer friendly. I have checked my credit score without any hassle.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 05, 2017
    • Tata capital Personal Loan
      "Need to improve the services"
      0.5 3.0/5 "Satisfactory"
      I had taken a personal loan with Tata Capital through online channel. They took 20 days for the loan disbursement. I had submitted my documents online but still they requested for hard copy which was not necessary. Final rate of interest was good. The pre closure charges are explained. The disbursement time should be more faster.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 05, 2017
    • Kotak Personal Loan
      "Wonderful"
      0.5 3.5/5 "Pretty good"
      I have got the personal loan with the Kotak mahindra bank and the customer service is not up to the mark. I am happy with the Kotak mahindra bank. Everything is good one with the Kotak mahindra bank, also am really happy with them.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 05, 2017
    • Bank Bazaar Personal Loan
      "Better"
      0.5 4.0/5 "Great!"
      Bankbazaar.com is good and am using it for the first time. Website of the Bankbazaar.com is easy to access and am happy with them till now. Everything is fine one with the Bankbazaar.com and I am really happy with them,
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 04, 2017
    • Tata capital Personal Loan
      "Very Good"
      0.5 4.0/5 "Great!"
      Rate of interest for the personal loan with the Tata capital limited was around 11.99% and the response was really well. I would like to say that they have given the loan amount within three days of time. I am happy with the Tata capital limited.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 04, 2017
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      It was a good experience with bankbazaar so far, they provide good service on financial products when compared to all other banking websites. I know bankbazaar.com from last 7-8 years. Customer service from bankbazaar was good and their response was prompt. The website is easy to use and is user friendly.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 20, 2017
    • Aditya Birla Finance Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for the personal loan from Aditya Birla, my loan application was closed because there was no requirement of loan as of now. The customer service was good and their response was also good, they also followed up on time. The rate of interest is nominal when compared to all other banks.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 20, 2017
    • Bank Bazaar Personal Loan
      "good"
      0.5 2.5/5 "Just OK"
      It was easy but awaiting for the confirmation from bank on my application request. Hope bankbazar will fulfil my request, and fast on line approvals, easy to upload documents online. I will refer my friends to bank bazaar, once after I receive the approval thank you bank bazaar.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 12, 2017
    • Bank Bazaar Personal Loan
      "personal loan"
      0.5 5.0/5 "Blown Away!"
      Good afternoon every one, It was easy but awaiting for the confirmation from bank on my application request. Hope bankbazar will fulfil my request, and fast on line approvals, easy to upload documents online. I will refer my friends to bank bazaar, once after I receive the approval thank you bank bazaar. Regards Mukesh
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 11, 2017
    • ICICI Bank Personal Loan
      "Better service"
      0.5 5.0/5 "Blown Away!"
      The ICICI bank has disbursed my personal loan amount within the promised time. The required loan amount has been approved . The rate of interest and the charges are nominal with ICICI bank, when compared with others banks. I would say I got better service from ICICI bank.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 10, 2017
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The bank bazaar support was good in regards to my personal loan. I know about bank bazaar for past four years. The support team is very prompt in their response part. I use bank bazaar website which is easy to use and customer friendly. I would say I got good service from bank bazaar.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 10, 2017
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