Multiple banks. Different interest rates. Call it a "conflict of interest".
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    Ghaziabad Personal Loan

    Residents of Ghaziabad can apply for a low-interest personal loan to meet their urgent financial needs. The loan can be applied online and borrowers with a high credit score can expect to get a quick approval within 24-48 hours of applying.

    We found 33 Ghaziabad Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 17.99% Fixed
    0
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Accelerated Approval
    What you'll love
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    Customer Reviews
    11.49% - 18.25% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    14.99% - 14.99% Fixed
    Up to 2% One time fee
    20L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
    What you'll love
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    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    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
    Rs.750 Amazon Voucher
    What you'll love
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    Good to Know
    Eligibility Criteria
    10.99% - 17.99% Fixed
    From .75% (min. ₹999 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
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    Perks
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    Fees & Charges
    Good to Know
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    Customer Reviews
    10.99% - 21.25% Fixed
    Up to 2.5% One time fee
    40L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11% - 16% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
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    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 18.15% Fixed
    Up to 2.5%
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
    What you'll love
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    Perks
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.5% - 13.5% Fixed
    1% + applicable tax One time fee
    2L - 25L
    1-5 Years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    16% - 28% Fixed
    2% - 5%
    50K - 7.5L
    1-4 Years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    12.00% - 17.00% Fixed
    1%
    30L Max
    1-5 years
    Response Time : Within 30 minutes
    What you'll love
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    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12.49% - 33% Fixed
    6.0% One time fee
    15L Max
    1-4 Years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
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    Ghaziabad Personal Loan is Rated as "Great!" by 966 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    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.

    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 16 Jan 2019

    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

    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The experience is good at Bankbazaar and the whole process is on time. The website is good and supportive. The team provided awesome customer services. There were follow up calls too. In all there are no issues and smooth process. Good overall.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jan 13, 2019
    • Tata capital Personal Loan
      "Need to be quick and have clarity in ROI"
      0.5 3.0/5 "Satisfactory"
      My personal loan is from Tata capital and it was a delayed process. It took two weeks for me to get the loan. They asked for documents repeatedly. The process has to be more sooner. I got the loan as needed. I was initially informed of a interest rate which is 11.49% and finally got 11.69%. The processing charges is zero.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jan 13, 2019
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding HDFC personal loan from past 10-12 years back, the loan amount they have given me was sufficient, the rate of interest they have charge me i was nominal,and even processing fee they have charged me was nominal for loan amount they have have given me ,there was no hidden charges,overall service was good.
      Was this review helpful? 2
      , ghaziabad
      Reviewed on Jan 08, 2019
    • Fullerton Personal Loan
      "Average service"
      0.5 1.5/5 "Bad"
      I have been using my personal loan with Fullerton ,the loan amount was sufficient they have given me, but they have charged too high rate of interest and even processing fee was high , compare to government bank they are charging too high charges, and now i have close this loan successfully.
      Was this review helpful? 2
      , ghaziabad
      Reviewed on Jan 08, 2019
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been holding my personal loan with HDFC bank long time, the loan amount they have given me was very sufficient, the rate of interest they have charged me was nominal for me, even processing fee they have charged me was nominal, but one thing is bit disappointed in this bank is that they are charging to high pre-closure charges up to 4% compare to other bank they use to waived off after an year,but this bank use to charge.
      Was this review helpful? 2
      , ghaziabad
      Reviewed on Jan 08, 2019
    • Corporation Bank Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with CORPORATION BANK , application process documentation was easy. I got the loan amount with in few days. The rate of interest is very nominal compare to other and tenure period is sufficient . They charge processing fee and it is also nominal .
      Was this review helpful? 7
      , ghaziabad
      Reviewed on Dec 28, 2018
    • HDFC Bank Personal Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      There is no particular reason for taking the personal loan with the HDFC BANK. The process is simple to apply and also to get the loan also added on that they have provided the loan amount satisfactory to me.The rate of interest is of nominal and the duration is for 5 years to repay the loan.
      Was this review helpful? 2
      , ghaziabad
      Reviewed on Dec 24, 2018
    • Bank Bazaar Personal Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am having more than one year of experience with the Bank bazaar and using from past one year. I am using it through the website where the portal is easy to use. The customer support is very good and they are responsive and they are good by explaining the details of the policy.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Dec 24, 2018
    • Early Salary Personal Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The process of getting the personal loan with theEarlySalary is quick and easy process. There is no any particular reason for taking the personal loan with this. The loan amount is not sufficient they have given and the rate of interest is nominal.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Dec 24, 2018
    • review Personal Loan
      "Best Financial Service"
      0.5 5.0/5 "Blown Away!"
      Its instant paperless approval personal loan which i got from Home credit financial service . As the rate of interest is satisfactory based on the market price. Their customer service is way good an response was quick .I have chosen the tenure period of1 years and there are nil processing fees.
      Was this review helpful? 2
      , ghaziabad
      Reviewed on Dec 14, 2018
    • review Personal Loan
      "Best Financial Service"
      0.5 5.0/5 "Blown Away!"
      I have take personal loan from Bussan Auto finance which they approved in 1 day and the amount was reflected in next day and they followed instant approval process. As am satisfied with the rate of interest which they have given and i can make the payment monthly though ECS. There are nominal processing fees.
      Was this review helpful? 4
      , ghaziabad
      Reviewed on Dec 14, 2018
    • Bank Bazaar Personal Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      It was a fine experience with bankbazaar so far, they provide good services when compared to others in the market. Customer service was good and they responded on time. The mobile app of bankbazaar is easy to use and is user friendly.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 10, 2018
    • Early Salary Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My personal loan application was approved with Early salary and the experience was good, the loan amount was for Rs 12000 with nominal interest of Rs 700. Customer service was good and they responded on time. The tenure period for this loan is 20 days.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 10, 2018
    • Early Salary Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I was looking for a loan and applied it with early salary. There was no delay happened , my application was taken care and it was processed on time. The interest rates given is reasonable according to me.This is my first loan with Early salary and i am happy with their services.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 10, 2018
    • Bank Bazaar Personal Loan
      "Excellent in Service"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar provides the best service. I would say that they are good in what they do. They have the comfort service and anyone can use the service with ease. Paperless documentation and things are taken care completely. The customer executives are doing things extremely well . Overall i am much satisfied customer of Bank Bazaar.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 10, 2018
    • Tata capital Personal Loan
      "Not Happy"
      0.5 1.0/5 "Really Bad"
      I was looking for a loan and applied with Tata capital. I was not happy the way my application got delayed. I thought my application will get processed on time but there was a big delay. There was a delay of 30 days and there was no update from the banks end. I had to call them few times to get things done. Well my application was approved in 3 days but to get disbursed it took plenty of time. I am not happy with Tata Capital Operations.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 10, 2018
    • Bank Bazaar Personal Loan
      "Its Excellent"
      0.5 4.0/5 "Great!"
      When I was processing Bank Bazaar application for the personal loan, I gave all my information but it was not updated. I suggest information them should to save the customer's profile its very useful when again they go for some other product. Remaining all fine, even its has good customer's portal.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 07, 2018
    • IndusInd Bank Personal Loan
      "Document part should be much more clear"
      0.5 3.0/5 "Satisfactory"
      There is a discrepancy about the documents they keep on asking for hard copy, I can directly approach them. Later on I was informed that I should opt for insurance it was snot informed earlier they around taken Rs. 650 from the loan disbursement.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 07, 2018
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I came to know about bankbazaar through advertisement, they provide good services when compared to other banking websites. Customer service is good with bankbazaar and their response was prompt. The website of bankbazaar is easy to use and is user friendly.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 04, 2018
    • Kotak Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I am not happy with the services provided by KMB for personal loan, the process was delayed and i did not get any documents so far. The loan amount was for Rs 9 lacs with nominal interest rate and the tenure period is 5 years. Customer service was good and they collected documents on time.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 04, 2018
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