• Custom Free
     

    Custom quote

  • Ghaziabad Personal Loan

    Loading your search...
  • Residents of Ghaziabad can apply for a low-interest personal loan to meet their urgent financial needs. The loan can be applied online and borrowers with a high credit score can expect to get a quick approval within 24-48 hours of applying.
    More
    We found 17 Ghaziabad Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.75% - 21.45% Fixed
    Up to 2.5% One time fee
    40L Max
    1-5 years
    Ad 100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 18.99% Fixed
    0.50% - 3.00%
    30L Max
    1-5 Years
    Ad Accelerated Approval
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Customer Reviews
    25.00% - 32.00% Fixed
    3.00% + taxes One time fee
    75K - 5L
    Upto 4 years
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Eligibility Criteria
    12.99% - 19.75% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    18.00% - 36.00% Fixed
    2% - 3% + taxes One time fee
    1L - 5L
    Upto 5 years
    Only KYC docs required
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    11.99% - 25% Fixed
    3%- 6% One time fee
    25L Max
    1-5 Years
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Eligibility Criteria
    13% - 30% Fixed
    0 Zero Processing Fee
    2L Max
    0 - 4 Years
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.50% - 16.99% Fixed
    Up to 2.5%
    25L Max
    1-5 years
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.00% - 16.75% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    16.5%-20% Fixed
    Up to 2% or minimum ₹2,000 (whichever is Max) One time fee
    15L Max
    1-5 Years
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    16% - 28% Fixed
    2% - 5%
    50K - 7.5L
    1-4 Years
    100% PAPERLESS APPROVAL
    What you'll love
    Perks
    Think about
    Fees & Charges
    Eligibility Criteria
    23% Fixed
    2% + Taxes
    10L Max
    1 - 2 Years
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Eligibility Criteria

    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.

    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 16 Oct 2019

    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.

    A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.

        

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Ghaziabad Personal Loan Reviews

    • Fullerton Personal Loan
      "Need to be process at earlier"
      0.5 1.0/5 "Really Bad"
      I applied for a personal loan with FULLERTON last month I received call from their end on time for further processing. The amount which was offered for the loan amount 3 lakhs for the tenure period of 5 years. The rate of interest was high of 21%. The loan process was closed from bank end and the reason was not informed to me.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 13, 2019
    • HDFC Bank
      HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had applied personal loan from HDFC Bank. After the application was submitted I did not get any update from the bank. Their rate of interest was nominal as comparison to other banks. HDFC customer care executives are very helpful and responsive.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Oct 05, 2019
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have applied for HDFC Bank personal loan through Online .I have not availed this loan since got from some other source.I have not submitted any documents and got all the required details about the loan process through the agent .I was not having any difficulties with the rate of interest as well as processing fee .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 04, 2019
    • HDFC Bank Personal Loan
      "Rate of interest should be reduced"
      0.5 3.0/5 "Satisfactory"
      The rate of interest was highest in HDFC bank, when I applied for the personal loan. The bank executive told me the interest rate was around 12% for the amount for Rs. 2 lakhs. I felt interest is huge as compared to others , it would be great if they reduce the interest.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 29, 2019
    • Fullerton Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I was being just looking for personal loan but by mistake I had clicked on apply for personal loan and it got applied but I was not looking for the loan but customer service from the HDFC Bank where been good where I had told them the things what happened and they instantly canceled the same.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 28, 2019
    • Fullerton Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Once I applied for a personal loan with Fullerton within a day I received a call from them. The loan amount was sufficient for the tenure period of 3 years. An interest charges was average of 12% for this loan. From their end not process for further and yet to know the reason.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Sep 26, 2019
    • Fullerton Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      Fullerton personal loan team had asked for Bank statement and my salary slip but I was receiving my salary through cash and I was also unable to provide the salary slip and Bank statement, so due to this personal loan application was been closed.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 25, 2019
    • Fullerton Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      Fullerton personal loan team took 07 days to update me the status on my application without any reason they had closed my application, fullerton team should have curtosey to update the customer for reason of closure rather than closing the application.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 25, 2019
    • Fullerton Personal Loan
      "Not good"
      0.5 3.0/5 "Satisfactory"
      I have enquired for the personal loan in Fullerton and came to know that they are charging higher rate of interest 23% which was not satisfactory where other bankers are doing less than this and also don't have requirements so dropped the plan.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 25, 2019
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have applied for HDFC Bank personal loan through Online .I have got the update documents will be collected but no one came to collect my documents .There was no issues with rate of interest and the processing fee .I have got all the relevant information about the loan process through the agent .
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Sep 24, 2019
    • HDFC Bank Personal Loan
      "Rate of interest should be standard"
      0.5 3.0/5 "Satisfactory"
      When I applied for loan with HDFC, they insisted me to open the saving account with balance maintenance of Rs.10,000 its not comfortable for me. So I dropped the plan to avail the loan even they didn't give other option to take the loan. The customer support is good but not prompt , I was told rate of interest was around 13% with processing fee and its keep on changing.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 23, 2019
    • IndusInd Bank Personal Loan
      "Should fulfill the customer's needs"
      0.5 4.0/5 "Great!"
      When I requested for the loan from Indusind bank, they ready to approve the loan with the duration of 1.5 year but I need the loan for the duration of one year alone. Finally they denied to give one year of loan period. Hence I dropped the plan but their service is prompt for the loan enquiry, they contacted me on time. More over their processing fee is zero and rate of interest is 13% for per annum its good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 23, 2019
    • IndusInd Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      In the recent past I have had applied for a personal loan with INDUSIND bank 2 months before the same was applied through an online. I received a call from bank on time for further verification. The loan amount was sufficient for the tenure period around 2 to 3 years. The rate of interest was nominal due to personal reason however the same was not processed further.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 21, 2019
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 4.0/5 "Great!"
      I had applied for HDFC Bank personal loan where they where providing me lesser amount than actual amount what i had applied and the rate of interest was also very high, so I had planned to drop the application but customer service was supportive.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 19, 2019
    • Tata capital Personal Loan
      "Excellent"
      0.5 4.0/5 "Great!"
      I had applied for Tata Capital personal loan where my application was been closed without any reason, I had called up Tata capital customer care service but no their was no proper response from them but atleast they should update the customer and then should close the application.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 18, 2019
    • IndusInd Bank Personal Loan
      "Good"
      0.5 2.0/5 "Expected more"
      I had applied for IndusInd Bank personal loan where I was ready to provide ITR but Indusind Bank told me arrange and give my salary bank statement but I was not having the bank statement, so due to this my application was been closed but they IndusInd Bank should have alternate options rather than closing the application.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 15, 2019
    • IndusInd Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I had applied for Home credit personal loan where my application was been closed due to non availability of current address, so due to that application was been closed,rate of interest was nominal, customer service was good but their should be alternate option.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 13, 2019
    • HDFC Bank Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      I had applied for HDFC bank personal loan where the documents where been not able to provide by me so due to that my application was been got closed, customer service was good, but HDFC team should inform about the reason and after that they should close the application.
      Was this review helpful? 2
      , ghaziabad
      Reviewed on Sep 08, 2019
    • HDFC Bank Personal Loan
      "Frequent calls should be avoided"
      0.5 4.0/5 "Great!"
      I don't required the personal loan from HDFC because I have arranged the money from other source. There was no service issue with the bank side but I am getting frequent calls for the loan it can be reduced but the rate of interest was reasonable at the time loan inquiry.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Sep 07, 2019
    • Kotak Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I applied personal loan from KOTAK MAHINDRA BANK online. Their customer service is excellent. They gave me clear information about the loan. I had submitted the documents online and verification was not done. I closed the application because loan amount was not sufficient.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 05, 2019
    Common Loader Icon
    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.