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% - 17.99%
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    30L Max
    1-5 Years
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    10.99% - 21.25% Fixed
    Up to 2.5% One time fee
    40L Max
    1-5 years
    Response Time : Within 30 minutes
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    11.49% - 18.25% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    14.99% - 14.99% Fixed
    Up to 2% One time fee
    20L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    16% - 28% Fixed
    2% - 5%
    50K - 7.5L
    1-4 Years
    Response Time : Within 30 minutes
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    11.5% - 13.5% Fixed
    1% + applicable tax One time fee
    2L - 25L
    1-5 Years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    11% - 16% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    11.00% - 18.25% Fixed
    From .75% (min. ₹999 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    10.99% - 18.15% Fixed
    Up to 2.5%
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    12.49% - 33% Fixed
    6.0% One time fee
    15L Max
    1-4 Years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    11.50% - 14.50% Fixed
    1%
    30L Max
    1-5 years
    Response Time : Within 30 minutes
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    13.49% - 19.99% Fixed
    Up to 2%
    Upto 25L
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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  • Ghaziabad Personal Loan is Rated as "Great!" by 946 Users

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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 17 Nov 2018

    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
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using bank bazaar service from past 6 months, as i use to check my credit score through bank bazaar and i have been using website it easy to access no issue i have faces in the website and i came to know about bank bazaar service through on line.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 16, 2018
    • Early Salary Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding my personal loan early salary a month ago, the loan amount they have given me was 8000 it was sufficient for me and the rate of interest they have charge me was 3% which was nominal and they have not charged any processing fee in this bank and i did not face any issue in getting this loan everything went smoothly.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 16, 2018
    • Bank Bazaar Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I am very impressed with bank bazaar service. I have been using bank bazaar application its easy to access, there was no difficulty i faced in documentation part , i have been using this service for first time,i never faced any issue yet, i came to know about this bank bazaar service from my friend only as he was discussing about this service.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 15, 2018
    • Early Salary Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding my personal loan with EARLY SALARY recently,they have provided me not sufficient loan amount i expected more ,and the rate of interest they have charged me was nominal for me and processing fee they have charged me was nominal and overall service was good but expect loan amount.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 15, 2018
    • Bank Bazaar Personal Loan
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      The experience i had with Bank Bazaar has been out standing and the services which they had been providing so far had been good. I have been using it for the last two years and i had been using their website which has been convenient in using. Their customer support response has also been good as well.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Nov 13, 2018
    • Cashe Personal Loan
      "Good service"
      0.5 3.5/5 "Pretty good"
      The process in getting this loan has been good but the tenure period which they had provided has not been convenient for me. The interest rate with them has also been on the higher end and the processing fee has also been on the higher end. The loan amount whcih they had provided has been less than expected.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Nov 13, 2018
    • Bank Bazaar Personal Loan
      "Need to improve the service"
      0.5 5.0/5 "Blown Away!"
      I have applied my personal with bank bazaar. It was the first time, I came to know about the website through social media. It is the one point, where I can do a comparison of all financial products. Customer support has to be improved, I would suggest them to followup after submitting application.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 12, 2018
    • Tata capital Personal Loan
      "Need to be faster"
      0.5 3.5/5 "Pretty good"
      They have taken 2.5 weeks to process the personal loan otherwise everything was fine. I have submitted the documents online again the representative asked the documents for verification. The loan period is 5 years. I need to pay 13K through ECS. The interest rate was nominal.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Nov 12, 2018
    • HDFC Bank Personal Loan
      "Very bad"
      0.5 0.5/5 "Unacceptable"
      I have applied for a personal loan and my application no is 61556309. Have received only one message of in-principal approval and have not received any more process details. Don't know what to do.....called the customer service but there server is not working
      Was this review helpful? 6
      , ghaziabad
      Reviewed on Oct 08, 2018
    • Bank Bazaar Personal Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I have taken my personal loan via BANK BAZAAR . The customer service and response was up to the mark. Its my first experience here and it was very nice. The website is amazing with good features and very convenient also so I would like to recommend to others.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 12, 2018
    • ICICI Bank Personal Loan
      "Falls below expectations"
      0.5 2.0/5 "Expected more"
      I have taken my personal loan with ICICI Bank. The loan amount was 2,51,000 but i have received 2,44,000. The interest rate was satisfactory The customer service and responses was up to the mark. The tenure period was 2 years here. The documentation was smooth and everything was on line
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Sep 12, 2018
    • HDFC Bank Personal Loan
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with HDFC Bank and the process to get the loan is good. There are no issues and it was smooth. The rate of interest and processing charges is normal and the after loan services is good too. In all it has been a good process.
      Was this review helpful? 4
      , ghaziabad
      Reviewed on Sep 06, 2018
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I am using the services of bankbazaar from last 4 years, the services provided by bankbazaar is good when compared to others in the market. Customer service was good and they responded on time. The website of bankbazaar is easy to use and is user friendly.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 29, 2018
    • ICICI Bank Personal Loan
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      My personal loan application was approved with ICICI bank and my experience was not good, the loan amount was for Rs 1 lac for 2 years with nominal interest rate when compared to other banks. The process was delayed by 4-5 days and the customer service was not up to the mark.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 29, 2018
    • Central Bank of India Personal Loan
      "My personal loan"
      0.5 4.5/5 "Excellent!"
      I have taken a personal loan from Central bank of india previously. I am very much satisfied with the rate of interest which is 11% , they gave tenure period of 4 years and but i did pre closure before tenure period the pre closure charges are nominal one . Previously their customer service and response is good now they lack in their service and response.
      Was this review helpful? 3
      , ghaziabad
      Reviewed on Aug 27, 2018
    • Kotak Personal Loan
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      Kotak Mahindra Bank has been really beneficial and they provided me with a personal loan. The rate of interest and processing charges is normal and I had no issues to get the loan through. The customer services and response is good and overall no issues.
      Was this review helpful? 3
      , ghaziabad
      Reviewed on Aug 18, 2018
    • Bank Bazaar Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I know bankbazaar.com from last 2-4 years, the services provided by bankbazaar is good when compared to other banking websites. Customer service was good with bankbazaar and they responded on time. I check for offers on the website of bankbazaar.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 17, 2018
    • Cashe Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with CashE for personal loan, the process was quick and i received the loan amount immediately after the documents were approved. Customer service was good and they responded on time. The rate of interest and charges are nominal when compared to others.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Aug 17, 2018
    • Bank Bazaar Personal Loan
      "GOOD APPLICATION"
      0.5 5.0/5 "Blown Away!"
      Full credit goes to the bankbazaar only ,because i was unaware of the process so they guided me and assisted me to get through these process, it all happened through bankbazaar only so all the credit goes to bankbazaar as they helped to choose the right product.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 14, 2018
    • HDFC Bank Personal Loan
      "GOOD LOAN"
      0.5 5.0/5 "Blown Away!"
      The process was easy and convenient, i have got the loan value which i actually expected, i had gone through the website and then they suggested me for the HDFC loan so i applied for the rate of interest of 14%., which is OK but if they can also reduce, it would be great.
      Was this review helpful? 3
      , ghaziabad
      Reviewed on Aug 14, 2018
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