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

    • 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
    • Bank Bazaar Customer Support
      "Good Service"
      0.5 4.0/5 "Great!"
      I would certainly say that Bankbazaar is always good. Their responses are on time and contacting me on my loan application via calls, mails and messages. Even they followed up my loan application and submitted to the bank without any delay. Their overall services are also good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 17, 2017
    • Kotak Personal Loan
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      When I approached Kotak Mahindra Bank for the personal loan, I did not get any good response from them and the drawback is that they delayed my loan about three weeks and I have to escalate it, to sort out all things.. It was not that smooth and prefect throughout the process. The rate of interest was 15% which is high when compared with others.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 17, 2017
    • Axis Bank Personal Loan
      "Excellent customer service"
      0.5 4.0/5 "Great!"
      I got the personal loan with the Axis bank and the rate of interest was around 13.5% and the loan amount got disbursed within four days of time. Response was good time and the processing charges were around 1% from the total capital amount.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 10, 2017
    • Bank Bazaar Customer Support
      "Better "
      0.5 3.0/5 "Satisfactory"
      I have used the Bankbazaar.com for the first time, also the website is good, also its quite easy too. Mobile application is also working in good way. Response is also fine one with the Bankbazaar.com, till now, which I have experienced.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 10, 2017
    • Kotak Personal Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      Kotak mahindra bank had denied to process my personal loan application without any reason. Kotak mahindra bank had taken a lot of time to process my application and the rate of interest was on higher end. I dont have any suggestion for them till now.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 10, 2017
    • HDFC Bank Personal Loan
      "Improve on their Customer Service"
      0.5 3.0/5 "Satisfactory"
      HDFC bank offered personal loan during the year 2015. Interest rate offered for the personal loan was 14.25% but I will go for balance transfer. Other banks are giving good options so planning for balance transfer. Customer service is not good with HDFC.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Jun 08, 2017
    • HDFC Bank Personal Loan
      "Good overall"
      0.5 4.0/5 "Great!"
      HDFC Bank has also provided me a personal loan and I had no issues in getting this loan through. The interest rate and processing charges was normal and the after loan services was also good. Though I do not remember much of the process as it was two years back. I am happy that it was hassle free.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 07, 2017
    • HDFC Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      The Hdfc bank gave a very quick response with respect to my personal loan. They had disbursed my Personal loan within 3 days of time after collecting my documents. The rate of interest is pretty nominal with HDFC bank . Overall the service is very good with HDFC bank with regards to my personal loan.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 03, 2017
    • Bank Bazaar Customer Support
      "Good portal"
      0.5 5.0/5 "Blown Away!"
      The response was really quick and fast with my bankbazaar personal loan customer support. I got to know about bank bazaar through a referral. I am with bankbazaar for past 6 months, when I have started to search for the personal loan, I came to know about bank bazaar. The web portal with bank bazaar is easy to use and user friendly portal. Overall I am satisfied with bank bazaar service.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 03, 2017
    • Tata capital Personal Loan
      "Can reduce the interest rate in future"
      0.5 4.0/5 "Great!"
      The rate of interest was very high with TATA CAPITAL, but other banks are ready to offer me an interest rate of 9.2% but Tata capital interest rates were really high, when compared with others. The response and the customer support was very prompt with TATA CAPITAL, however the only reason I haven't got the personal loan was their interest rate.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 03, 2017
    • Bank Bazaar Customer Support
      "Nice way to fulfill our dreams"
      0.5 5.0/5 "Blown Away!"
      Nice application of bank bazaar who help people to fulfill their dreams. I was trying to get the loan from any bank but didn't get any response from any bank Now I got an opportunity to finalise my all dreams and to complete the requirements of my family. Such a nice one.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jun 02, 2017
    • Bank Bazaar Customer Support
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar gave a call back within 30 minutes of time after applying for my personal loan with bank bazaar web portal. The bank bazaar web portal is easy to use and user friendly. I also get the bank bazaar mobile application which is a customer friendly application. The customer service with bank bazaar is really good after explaining about that product. Overall I am satisfied with their service.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 30, 2017
    • Fullerton Personal Loan
      "Good service can do better"
      0.5 4.0/5 "Great!"
      When my father applied for personal loan with Fullerton, they didn't approve the loan, second time my elder brother applied for the loan and submitted the documents as well and Fullerton told that his credit score didn't met their bank criteria. When I personally checked his credit score it was sufficient, still they are giving the same reason. I would like to suggest that the Fullerton has to be keen and clear with the status of the product. They haven't returned my documents still I had spent about 700 to submit required documents. Overall I would say it is a good service with Fullerton.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on May 30, 2017
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    Ghaziabad Personal Loan is Rated as "Great!" by 806 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 29 Jul 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.

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