Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 33 Ghaziabad Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 16.49% Fixed
    0 Bankbazaar Exclusive
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
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    11.50% - 17.25% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon Voucher 100% PAPERLESS APPROVAL
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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
    Rs.1,000 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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    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
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    Customer Reviews
    11.5% - 13.5% Fixed
    1% + applicable tax One time fee
    2L - 25L
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon Voucher 100% PAPERLESS APPROVAL
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    11% - 16% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    11.49% - 18.25% 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 100% PAPERLESS APPROVAL
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    10.99% - 18.15% Fixed
    Up to 2.5%
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon Voucher 100% PAPERLESS APPROVAL
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    12.49% - 33% Fixed
    6.0% One time fee
    15L Max
    1-4 Years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    10.99% - 14.49% Fixed
    0%
    30L Max
    1-5 years
    Response Time : Within 30 minutes
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    Perks
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    13.49% - 19.99% Fixed
    Up to 2%
    Upto 25L
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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  • Ghaziabad Personal Loan is Rated as "Great!" by 924 Users

    Fees & Charges

    Promised Interest Rate

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    Responsiveness

    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 19 Jul 2018

    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

    • ICICI Bank Personal Loan
      "Average services"
      0.5 2.0/5 "Expected more"
      This service is so long. Its a time taking process. There is no proper response form the bank as well as the customer care. I have applied the loan amount of around 2 lakhs. They have offered me a interest rate of 12.5%. They have provided me a 1.80 lakhs they have demanding for many documents many times. The executive already collected the documents even though they have asked me to submit the documents thats the main reason i refused the loan. Still now they have not return my documents of PAN card, Aadhar card and cheque
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 10, 2018
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I took a personal loan from the HDFC bank for 3 lac, I applied for the loan via Internet banking. I got the loan instantly credited to the account. The interest rate is high 14.5%. Overall it has been a good experience with the personal loan application.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Jun 14, 2018
    • Bank Bazaar Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I had a good experience with using their services so far, there has not been any issues faced with the services. I have been using their website and it has been user friendly. their customer support had been very supportive and helpful as well.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 29, 2018
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have chosen to go with them for applying for the loan since as the bank they provide an easy service. It has been a fast and quick process where there has not been any kind of delay. It took about 3-4 days to get the loan amount. The rate of interest which they have been charging was good as well as i am satisfied with the loan amount.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 29, 2018
    • Bank Bazaar Personal Loan
      "Good services"
      0.5 4.0/5 "Great!"
      I have taken the services of this on line tool, the services were good, I received prompt and quick response, the process was quite easy, the product was received on time, I did not face any hassles. I am quite happy and satisfied with the services they have offered me.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 23, 2018
    • Tata capital Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from Tata capital, the process was good, everything was fine, the interest rate they charges I am OK with that too, and I received the amount on time, I applied for Rs. 1,00,000 and I received the whole amount. I received proper customer service in processing the loan amount, hence I am happy.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 23, 2018
    • Bank Bazaar Personal Loan
      "Very good service"
      0.5 4.0/5 "Great!"
      The personal loan service was good via bank bazaar. I know bank bazaar for more than a year. The customer support service and the response is good from the bank bazaar. I use bank bazaar website while applying for the credit card and it is very easy to use.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 11, 2018
    • Tata capital Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The tata capital branch was not available at the place where I have applied for the personal loan , so that was the reason I haven't got the personal loan from the tata capital. The customer support service and the response part is good from the tata capital.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 11, 2018
    • Bank Bazaar Personal Loan
      "Good. Can do better"
      0.5 4.0/5 "Great!"
      The overall experience is good with Bankbazaar.com as they contacted me on time and informed me the details. But later there there were too many calls from different executives for the same application with regards the document collection and the process. The website is good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 21, 2018
    • Tata capital Personal Loan
      "Good experience"
      0.5 4.5/5 "Excellent!"
      I got the personal loan in a week from Tata capital. The customer services and response is good and they informed me the details. The documents was picked up on time. The rate of interest is of about 10% and the processing charges are normal too. The after loan services are good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 21, 2018
    • HDFC Bank Personal Loan
      "Good overall"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with HDFC Bank. It was only a click away to get this loan as I am a existing customer of the bank. The rate of interest was not low or high when compared to the other banks. It was the same. Like wise the processing fees too.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Mar 17, 2018
    • Axis Bank Personal Loan
      "Average Personal Loan service"
      0.5 3.0/5 "Satisfactory"
      AXIS Bank I have taken Personal Loan with the expected Rate Of Interest and the Loan amount which I have been expected was given,approved on time ,the customer service is good clearly informed about the loan details fully when to pay the amount compared to other banks the rate of interest in affordable,no issues with the amount which is debited from the account only draw back is On line service for axis bank is not up to the level since for the payment we have to get it touch with the main branch of this bank that is the only inconvenience Rather than that Axis bank service is good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 20, 2018
    • Bank Bazaar Personal Loan
      "Good platform"
      0.5 4.5/5 "Excellent!"
      This was my second time experience with bankbazaar.com. Earlier I took my credit card. The process was immediate and quicker compared to the banks. The customer service and response was satisfactory. I have used the mobile application which was pretty easy to access.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 16, 2018
    • ICICI Bank Personal Loan
      " ."
      0.5 3.5/5 "Pretty good"
      I took my personal loan through online channel. The loan disbursement was fine from ICICI BANK. Actually there was no requirement for the policies but they charged for the policy without any information. The rate of interest was good. The premium was paid through ECS.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 16, 2018
    • Bajaj Finserv Personal Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I have got the personal loan from the BAJAJ FINSERV around 2 years ago. The customer support service is good with the BAJAJ FINSERV. They have disbursed the loan amount within the promised time. The required loan amount has been given and I am satisfied with it.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 13, 2018
    • Canara Bank Personal Loan
      "Need Improvement"
      0.5 2.0/5 "Expected more"
      The customer support is not up to the mark with the CANARA BANK, they have promised that they will disburse the personal loan within 5 working days but they took more 20 days of time. The rate of interest and the charges are average with the CANARA BANK .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 13, 2018
    • Axis Bank Personal Loan
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      AXIS processed my personal loan very quickly, I got loan amount on time. But I was expected lower rate but t hey quoted above exception finally it was okay for me. The documentation process was very convenient and they done fast disbursal on loan.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 12, 2018
    • Bank Bazaar Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar is a good platform for all the financial products. The customer service and responses was up to the mark. I have applied through the website . The website was user friendly and easy to navigate . My overall experience was good and its recommendable.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 08, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.5/5 "Excellent!"
      I have my personal loan with HDFC bank. The loan amount was 80,000 and the interest rate was 9.15% which is average in the market .The tenure period was 4 years. The processing fee was 4000 which is bit high than other banks. My overall experience was good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 08, 2018
    • Bank Bazaar Personal Loan
      "Fabulous"
      0.5 4.0/5 "Great!"
      Bankbazaar.com. I have used it for the first time and the online portal is easy to access. I would like to say that the customer service is very good one with them till now. Response is really better one for me with the Bankbazaar.com.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 07, 2018
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