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
    30L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
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    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 Ad Paperless approval available
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    Fees & Charges
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    Customer Reviews
    10.99% - 19.8% 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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    Customer Reviews
    13.99% - 16.99% 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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    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
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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
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    Perks
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    Fees & Charges
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    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
    11.75% - 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
    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
    What you'll love
    Documents
    Perks
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  • Ghaziabad Personal Loan is Rated as "Great!" by 846 Users

    Fees & Charges

    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 19 Oct 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

    • Bank Bazaar Personal Loan
      "Satisified"
      0.5 3.0/5 "Satisfactory"
      I have had a good experience from Bankbazaar in terms of the initial services as i got calls from them where they helped me with the application submission. I also found the website helpful for financial products. My only concern would be the disbursement of my amazon voucher offer where it took a while to be sent to me after i made some calls to them otherwise I had a good time with them.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 13, 2017
    • HDFC Bank Personal Loan
      "Smooth experience"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with HDFC and i would like to say that i have had a smooth experience with them throughout the loan process. It was a good service from start to finish. I had a good response with regards to my documentation and the procedure was done on time. I had no issues from their end.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 13, 2017
    • Bank Bazaar Personal Loan
      "FAST SERVICE"
      0.5 5.0/5 "Blown Away!"
      BANK BAZAAR SERVICE SO FAST AND ALL THING CAN BE UPLOAD ONLINE WHICH FURTHER IMPROVE SPEEDY SUBMISSION OF APPLICATION. I GOT A MAIL IN WHICH I GET THE DETAIL THAT HOW I CAN APPLY FOR LOAN AND COMPARE THE RATE OF INTEREST FROM OTHER WEBSITE. I GOT INSTANTLY SEVERAL OFFER ON MY SCREEN.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 10, 2017
    • Bank Bazaar Personal Loan
      "Excellent website"
      0.5 4.0/5 "Great!"
      The service provided by bankbazaar is excellent . In bankbazaar there is many options to compare among other banks. We can choose the best offer with the best interest. i am planning to get more products through bankbazaar. The executive contacted me was really helpful and polite.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 08, 2017
    • Kotak Personal Loan
      "No Response from KOTAK MAHINDRA BANK"
      0.5 1.0/5 "Really Bad"
      I applied for a personal loan with KOTAK MAHINDRA BANK but i did not got any proper response from the bank end. Thus my application got closed. I waited for there call ans no one from the bank end turned up till now. That was really disappointing approach from KOTAK MAHINDRA BANK.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 08, 2017
    • Bank Bazaar Personal Loan
      "EASY AND GREAT EXPERIENCE"
      0.5 4.5/5 "Excellent!"
      It was a great experience. Totally paperless. It is a environmentally and truly paperless. The process is fast and no mistake. received an immediately call while filling the form. I think all banks should make such procedure for fast and error free processing.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 06, 2017
    • Bank Bazaar Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      We can choose the best offer with the best interest.The executives are very good and supportive. The service provided by bankbazaar is excellent . In bankbazaar there are many options to compare among other banks. The website was really helpful and easy to navigate
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 27, 2017
    • Aditya Birla Finance Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Aditya Birla FINANCE Limited is good and the overall experience was nice. The customer services was on time and I had no hassles to get a loan through. The documentation was simple and the the funds released was also as per requirement. The interest rate and charges is normal too
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 27, 2017
    • Bank Bazaar Personal Loan
      "Great experience"
      0.5 5.0/5 "Blown Away!"
      It was a great experience. Totally paperless. It is a environmentally and truly paperless. The process is fast and no mistake. received an immediately call while filling the form. I think all banks should make such procedure for fast and error free processing.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Personal loan process"
      0.5 4.0/5 "Great!"
      ICICI Bank personal loan process was very good. Rate of interest was very high I was having an urgent requirement otherwise there was no logic behind taking this loan from ICICI Bank. The Bank was offering around 16.25% which is very high and the processing fee charged by them was 5%. Also foreclosure charges were very much applicable.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 22, 2017
    • Bank Bazaar Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      Real good job bank bazaar is doing and it was a good experience i had . the customer service is really good . the website really user friendly i enjoyed the experience of it . There were too many steps, if that can be consolidated in one place it will be more user friendly as a customer I like it more.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      "Average Service"
      0.5 4.0/5 "Great!"
      Experience with the HDFC BANK was an average one and even the service provided by them was the same. Too many wrong information was given to me and it was about the rate of interest . Firstly the executive called said that it was about 14% where as I saw it was around 10.99% lastly even the customer service was not that good .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 22, 2017
    • Bank Bazaar Personal Loan
      "Immediate response & process"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar was very nice in the customer services and the process was also good. It was quick and I got the calls from the banks as well. The response was there right through and the website is good, it is very much clear and the options on it is pretty helpful.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 21, 2017
    • Axis Bank Personal Loan
      "Unprofessional services"
      0.5 1.0/5 "Really Bad"
      I had applied for a personal loan with Axis bank. Though I have a good credit report and my ITR is up to the mark and my documents are perfect. Just because I did not have a permanent home address, the personal loan was not processed. I would have appreciated if the bank has got back to me and informed me the status as I was waiting for this loan.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 21, 2017
    • Kotak Personal Loan
      "Customer service is good. But need to be more clear"
      0.5 4.0/5 "Great!"
      Kotak Mahindra Bank was good in the process for the personal loan. The bank did so many investigations, actually it is a good part. But the one thing, I was not okay with is they sent me a credit card without my consent. No one can use the credentials like that. When I asked them about it they say it was a part of promotion. I called the bank and cancelled the card and after which I received a call that the card is cancelled but I have not got any SMS or email on the same. I was to get it in 7 to 8 days, but it has been 15 days now. The interest rate was a good deal. It was around 10%.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 21, 2017
    • HDFC Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I was in need, HDFC have understand my requirements and sanctioned the loan. Though interest rate was normal side than other bank. They fulfilled my requirements, I really satisfied with their loan process and the service which they provided. They have sanctioned the full loan amount
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 20, 2017
    • SBI Personal Loan
      "Very good service"
      0.5 4.5/5 "Excellent!"
      In 4 days of time the state bank of India has disbursed my personal loan. The customer service was good with State bank. The Sbi executives came to my place to collect the documents on assigned date and time. The rate of interest was 12% which was very good with SBI.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 13, 2017
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I got good response from bank bazaar team in regards to my personal loan application. I am customer of bank bazaar for more than 2 years. The website of bank bazaar is easy to use and user friendly. I got the call from bank bazaar team in 2 hours of time after I gave my requirement in the bank bazaar website.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 13, 2017
    • Kotak Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The Required loan amount was high , so kotak mahindra was not ready to provide the required loan amount so that was the reason I have chosen the other bank to go with the personal loan . The rate of interest which was t offered by kotak mahindra was too high when compared with others.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 13, 2017
    • Bank Bazaar Personal Loan
      "awesome"
      0.5 3.5/5 "Pretty good"
      Bankbazaar.com is an excellent one for me and I would like to say that they have done the things in perfect way like its up to the mark. I am using Bankbazaar.com from the last two to three months of time. Response is good one with the Bankbazaar.com.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 10, 2017
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