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 to ₹1,180
    30L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
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    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 available
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    Perks
    Fees & Charges
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    Eligibility Criteria
    Customer Reviews
    10.99% - 20.75% 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
    12.99% - 12.99% 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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    Eligibility Criteria
    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
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    Perks
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    Fees & Charges
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    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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    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
    Good to Know
    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
    Think about
    Fees & Charges
    Good to Know
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  • Ghaziabad Personal Loan is Rated as "Great!" by 872 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 18 Nov 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
      "good"
      0.5 2.5/5 "Just OK"
      It was easy but awaiting for the confirmation from bank on my application request. Hope bankbazar will fulfil my request, and fast on line approvals, easy to upload documents online. I will refer my friends to bank bazaar, once after I receive the approval thank you bank bazaar.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 12, 2017
    • Bank Bazaar Personal Loan
      "personal loan"
      0.5 5.0/5 "Blown Away!"
      Good afternoon every one, It was easy but awaiting for the confirmation from bank on my application request. Hope bankbazar will fulfil my request, and fast on line approvals, easy to upload documents online. I will refer my friends to bank bazaar, once after I receive the approval thank you bank bazaar. Regards Mukesh
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 11, 2017
    • ICICI Bank Personal Loan
      "Better service"
      0.5 5.0/5 "Blown Away!"
      The ICICI bank has disbursed my personal loan amount within the promised time. The required loan amount has been approved . The rate of interest and the charges are nominal with ICICI bank, when compared with others banks. I would say I got better service from ICICI bank.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 10, 2017
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The bank bazaar support was good in regards to my personal loan. I know about bank bazaar for past four years. The support team is very prompt in their response part. I use bank bazaar website which is easy to use and customer friendly. I would say I got good service from bank bazaar.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 10, 2017
    • Aditya Birla Finance Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      The disbursement was not up to the mark from ADITYA BIRLA FINANCE LIMITED, in regards to my personal loan . They took a week time to disburse my loan amount. The required loan amount has been disbursed and I am satisfied with it. The rate of interest and the charges are average with ADITYA BIRLA FINANCE LIMITED. I t would be great of the process time is getting reduced.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 10, 2017
    • Bank Bazaar Personal Loan
      "Fast service provider"
      0.5 5.0/5 "Blown Away!"
      Co- operative team & response is very fast, good , so I would say that my own words are very supportive to needy person & hope this will be continue for other people in India thanks to the entire team which is providing this helpful service so I would like to say thanks to you.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 07, 2017
    • Bank Bazaar Personal Loan
      "Very fast service"
      0.5 5.0/5 "Blown Away!"
      I would like to appreciate bank bazar for fastest service as its very easy to fullfill financial need of everyone.i always preffer bank bazar and also refer to friends.i am sure you people will set the banchmark in service industry. Thanks
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 07, 2017
    • Bank Bazaar Personal Loan
      "Good experience"
      0.5 3.0/5 "Satisfactory"
      I had a good experience with Bankbazaar in regards to Personal Loan. I got various options for my Loan, the website does the job perfectly. I have been using this website for the past few months now and the experience has been always refreshing.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 06, 2017
    • Tata capital Personal Loan
      "Hardly tried to contact me"
      0.5 1.0/5 "Really Bad"
      I had applied for a Personal Loan with Tata Capital and found them to be little slow with their process. They made the first call pretty quickly but the follow up of that was minimal. I hardly received any call from them. Even if my application got failed, they should have called me up and informed me the same. Their Rate of Interest of 11.99% is pretty impressive though.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 06, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      Basically reason to choose HDFC bank is rate of interest as it is nominal. They have answered all my basic queries for the loan process. The preclosure option is available with some extra charges. The documentation process is simple and easy to process.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 04, 2017
    • Bank Bazaar Personal Loan
      "Easy to access"
      0.5 4.0/5 "Great!"
      The experience is good with bank bazaar. First time I have placed online request through website. The website is good and easy to use. I have used calculators for EMI calculation. The customer service and response was immediate. For a beginner it is good, the website provides idea and information about the financial products.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 04, 2017
    • Kotak Personal Loan
      "Interest rate to be reduced"
      0.5 3.0/5 "Satisfactory"
      HDFC Bank was offering me 12 to 12.99% of interest rate but Kotak is charging 15% for personal loan because of higher interest rate I had closed my application. The customer service and response was good. The calls were proper. I have processed my application with HDFC later.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 04, 2017
    • Bank Bazaar Personal Loan
      "Good website"
      0.5 5.0/5 "Blown Away!"
      I know bankbazaar.com from last 3-4 years, bankbazaar provides good services when compared to all other banking websites. Bankbazaar provides lot of options and it is a one click solution. The customer service was good and prompt. I use the website of bankbazaar, it is easy to access and it is user friendly.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 01, 2017
    • HDFC Bank Personal Loan
      "Needs to improve"
      0.5 1.0/5 "Really Bad"
      I have applied for the personal loan from HDFC bank, my loan application was closed because there was no proper followup from the HDFC bank. The customer service was not upto the mark, they did not respond and there was no further followup done. The rate of interest was high when compared to all other banks.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 01, 2017
    • IndusInd Bank Personal Loan
      "Unhappy"
      0.5 1.0/5 "Really Bad"
      I had applied for a personal loan with Indusind bank but the application did not proceed I was not given any information on the status of the application and no calls were made till date to confirm the reason why the application did not proceed. It was not a good experience with them.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 30, 2017
    • Bank Bazaar Personal Loan
      "Better"
      0.5 3.5/5 "Pretty good"
      Bankbazaar.com is good one for me and they have treated the process in very well manner. I would like to say that the website of the Bankbazaar.com is easy to access and the customer service is good one for me with them.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 30, 2017
    • Aditya Birla Finance Personal Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      ADITYA BIRLA FINANCE LIMITED have not provided the personal loan because the rate of interest was not completed with the end of deal. Charges were not okay for me and they have not stick with the commitments.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 30, 2017
    • Bank Bazaar Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      Everything was very good with Bank Bazaar. I used their website service. Bank Bazaar's website is very good, easy to use and user friendly. Bank Bazaar's customer care department is very good I exactly don't remember whether they called me on the same day or not but they were too quick and good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 28, 2017
    • Kotak Personal Loan
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I have applied for a personal loan with KOTAK MAHINDRA BANK. They offered me the personal loan with 14.5% as rate of interest which I feel it is little higher compared with other banks. There was processing fees but I don't remember exactly. Some banks waive off the processing fees but this bank did not do that. They disbursed my loan within 10 - 15 normal days as there was some holidays at that time.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 28, 2017
    • Bank Bazaar Personal Loan
      "Good "
      0.5 5.0/5 "Blown Away!"
      Bank baazar site gives great opportunity for every need for finance and for making our life easy. I am very happy with bank bazaar, so it is a great opportunity to complete our dream and in making a happy life. So it is a very great moment and a best site of our country.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 27, 2017
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