Multiple banks. Different interest rates. Call it a "conflict of interest".
  • loading

    We found 31 Ghaziabad Personal Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 15.99% Fixed
    Up to 2%
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    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
    12.99% - 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
    Documents
    Perks
    Think about
    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
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    14% - 33% 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
    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
    11.75% - 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
     Loading your search... Loading your search...
  • Ghaziabad Personal Loan Reviews

    • Bank Bazaar Customer Support
      "All went smooth"
      0.5 5.0/5 "Blown Away!"
      The reason for I am giving five stars for bankbazaar is because of their prompt service. All things went good for my loan process with bankbazaar. I did not face any issues or challenges from bankbazaar for my personal loan process. It went good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 17, 2017
    • Tata capital Personal Loan
      "Moderate Service"
      0.5 2.0/5 "Expected more"
      I had some challenges with Tata Capital when I was processing my personal loan but then it was resolved and now everything is fine. I had received a good service from them. Everything like their customer service, interest rate and other charges are ok.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 17, 2017
    • Bajaj Finserv Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My documents were collected from my door step for the personal loan. Bajaj Finserv has always been excellent and I got the loan in my account within minutes. They are the only company who provides loans for self employed which no other bank does. The interest rate and charges are normal.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 14, 2017
    • Bank Bazaar Customer Support
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      The services from Bankbazaar has been great and they also have a excellent portal. The response was immediate after I registered my details. Since I am self employed, there was nothing I could compare as most of the banks criteria are for the salaried. But I happy with the portal overall.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 14, 2017
    • Bank Bazaar Customer Support
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar.com is also good one for me and am using it for the first time, also am happy with them. Response is an excellent one for me with them. I would like to say that the service and other things are really good one with them.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 10, 2017
    • HDFC Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      Interest rate was around 12.5% for the personal loan with the HDFC bank and the customer service was good one. The loan amount got disbursed to my account within a week of time. Customer service and other things are really good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 10, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The prompt response was been given by ICICI bank in regards to my personal loan application. They have disbursed my personal loan within 20days of time. The required loan amount has been disbursed. The service which was given by ICICI bank was good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 10, 2017
    • Kotak Personal Loan
      "Fantastic service"
      0.5 5.0/5 "Blown Away!"
      Everything is available in the Kotak Mahindra bank. They have offered me a personal loan and within a week time theyhave disbursed my loan. The requested loan amount was disbursed on time and I am happy with it. The rate of interest is nominal with Kotak mahindra.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 09, 2017
    • Bank Bazaar Customer Support
      "Awesome Search Engine for the financial products"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar website is a very good site to know about any kind of financial product . The website of bank bazaar is easy to use and user friendly. I am with bank bazaar for more than 3 years. I get to know about bank bazaar through advertisements. I am happy with the bank bazaar service.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 09, 2017
    • Tata capital Personal Loan
      "Better deal to go with TATA CAPITAL"
      0.5 5.0/5 "Blown Away!"
      The TATA CAPITAL personal loan process was good, but the charges are not applicable for the foreclosure after1 year, this scheme is really good with Tata capital. They have disbursed my personal loan within 7 days of time. The response part was good with them, The required loan amount was disbursed and I am happy with it, The rate of interest is nominal with TATA CAPITAL.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 09, 2017
    • Bank Bazaar Customer Support
      "Pretty Quick Service"
      0.5 3.5/5 "Pretty good"
      I use Bankbazaar website which is pretty quick and very much easy to navigate. I have no suggestions for bankbazaar. I had received proper service when I sought their assistance for my loan requirement. They provided a proper follow ups on my application.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 08, 2017
    • Bank Bazaar Customer Support
      "Good financial advisor"
      0.5 4.0/5 "Great!"
      Bank Bazaar always connect with the customers and gives responsiveness on the customer's request. Whenever I reach them they give immediately response. I came to know Bank Bazaar through Google. Once after I post the request for personal loan I get response from them. I am satisfied with their website information too.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 04, 2017
    • Capital First Personal Loan
      "Should work on the processing charges"
      0.5 3.0/5 "Satisfactory"
      My loan amount was Rs. 4 lakhs from that Capital First have taken Rs.11,000 as a processing fee. Other than that everything is fine, their interest rate is also nominal as per other banks. I am really happy with Capital first except processing fee.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 04, 2017
    • Bank Bazaar Customer Support
      "Good services"
      0.5 4.0/5 "Great!"
      The level of service rendered by Bankbazaar is too good, there was a proper response and it was a timely process. It was nice to get details without having to visit the banks in person. The portal is very much useful and simple too. The follow up calls were also very much regular too.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 23, 2017
    • Kotak Personal Loan
      "Not happy with the services"
      0.5 2.0/5 "Expected more"
      Kotak Mahindra bank has not been responsive to me after I applied for a personal loan. It has not been a good experience. There were no calls from the bank to process my details and check on my requirement. No information was provided about the interest rate and charges.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 23, 2017
    • Bank Bazaar Customer Support
      "Good website"
      0.5 4.5/5 "Excellent!"
      I am very happy about Bank Bazaar response is quick and they processed the application to the bank in an easy way and they suggest multiple option as well. Website is also good and easy to access to check all kind of financial information through online.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 13, 2017
    • HDFC Bank Personal Loan
      "Response part has to be improved"
      0.5 1.0/5 "Really Bad"
      HDFC collected many documents from me like Aadhar card, pan card, bank statements, payslip, photos and cheque leaves etc. After collecting the documents there were no response from HDFC end. I tried reaching their landline number, which I got a call but call line was not connected. It would be great if they provides some direct mobile no to reach them for any queries.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 13, 2017
    • Bank Bazaar Customer Support
      "Satifactory service"
      0.5 3.0/5 "Satisfactory"
      I had no hassles with Bankbazaar and the customer services are good from them. There were many follow up calls and the process was also smooth I am also happy with the website, it is knowledgeable for a customer to choose the right bank and the right deal and this is my very first experience
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 09, 2017
    • Fullerton Personal Loan
      "Dissatisfied"
      0.5 1.0/5 "Really Bad"
      After me applying with Fullerton there was no proper response from them to inform me what happened to my application of the personal loan which I applied I waited for so many days and I have called from my side they said they will check and get back to me But they dint. Again I have called back them to know my status, they just said they cannot process the loan because there is on going loan for me, Very much disappointed with their service and it is not recommendable
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 09, 2017
    • ICICI Bank Personal Loan
      "Good service can do better"
      0.5 3.0/5 "Satisfactory"
      The rate of interest and the processing fee is really high with ICICI bank personal loan. Within 2 to 3 days I got the loan from ICICI bank. The rate of interest was high with ICICI bank in concern to my personal loan. I would say the service offered by ICICI bank was really good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 05, 2017
    Common Loader Icon

    Ghaziabad Personal Loan is Rated as "Great!" by 815 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    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.


    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 18 Aug 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.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.