Multiple banks. Different interest rates. Call it a "conflict of interest".
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    Ghaziabad Personal Loan

    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.
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    We found 33 Ghaziabad Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.75% - 18.00% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    10.99% - 17.99% Fixed
    0
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Accelerated Approval
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    20% - 22%  Fixed
    2.50%
    2L Max
    1-3 Years
    Response Time : Within 30 minutes
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    Good to Know
    Eligibility Criteria
    23% Fixed
    2% + Taxes
    10L Max
    1 - 2 Years
    Response Time : Within 30 minutes
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    11.25% - 21.50% Fixed
    Up to 2.5% One time fee
    40L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    11.00% - 16.75% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    11.25% - 19.99% Fixed
    Up to 2.5%
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    16.5%-20% Fixed
    Up to 2% or minimum ₹2,000 (whichever is Max) One time fee
    15L Max
    1-5 Years
    Response Time : Within 30 minutes
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    16% - 28% Fixed
    2% - 5%
    50K - 7.5L
    1-4 Years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    11.25% - 22.00% Fixed
    From .75% (min. ₹999 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
    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
    100% PAPERLESS APPROVAL
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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
    100% PAPERLESS APPROVAL
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    Ghaziabad Personal Loan is Rated as "Great!" by 1041 Users

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    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.

    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 21 May 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.

        

    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

    • Citibank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan with Citi Bank and its good. I am paying them in a timely manner. The interest rate is very good and there was a processing fee. The loan duration is 3 years and have completed 1.5 years. I can do preclosure or partial payment and the charges are applicable of 5% on outstanding principal. Their eligibility criteria is very high.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on May 13, 2019
    • Kotak Personal Loan
      "Faster approval"
      0.5 5.0/5 "Blown Away!"
      The interest rate is higher for the personal loan. The process is very simpler with Kotak Mahindra Bank. I got the loan instantly and have completed 2018 December. I have applied for the personal loan and got the amount also the charges are more which they have to look into it. They have charged me a processing fee and its okay.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on May 13, 2019
    • SBI Personal Loan
      "Average"
      0.5 5.0/5 "Blown Away!"
      I took one more personal loan from state bank of India . My loan amount is 5L, and tenure is 5 years , last two month back I took this loan , but here rate of interest is very high I am not satisfied their rate of interest , and rest of service is good ,
      Was this review helpful? 4
      , ghaziabad
      Reviewed on Apr 27, 2019
    • HDFC Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I took one personal loan from HDFC bank last eight month back , my loan amount is 1.50L , and rate of interest is 13.5% is high I am not satisfied with rate of interest , and tenure is 5 years , I am much happy with this loan , and their allover service is good ,
      Was this review helpful? 2
      , ghaziabad
      Reviewed on Apr 27, 2019
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had been using bank bazaar service from past one years approximately. Their overall service is also very good. I came to know about bank bazaar service through website add I happy with bank bazaar I have been using website it is easy to access and I am regular customer of bank bazaar.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Apr 27, 2019
    • Ujjivan Bank Personal Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I was not satisfied with Ujjivan finance personal loan , I applied and I want take that loan also , but no response customer service , and I visit also many time no response , so I did not take that personal loan , I donâ??t know how much loan amount or rate of interest ,
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Apr 27, 2019
    • IndusInd Bank Personal Loan
      "Services need improvement"
      0.5 3.0/5 "Satisfactory"
      Indusind bank did not provided me any customer care number and they have also not contacted me to give me any details. I have taken a personal loan. The rate of interest is of 12.5% and the processing fee was waived off. They need to work on the service.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 24, 2019
    • IDFC Bank Personal Loan
      "Process should be simple through online"
      0.5 3.0/5 "Satisfactory"
      My IDFC loan experience was not good, the process was faster. But I got the dd bu however my name was mentioned wrong. Hence I went to the bank it took 5 days it was big hassle. At least they would have sanctioned the money through online and also interest is higher.
      Was this review helpful? 3
      , ghaziabad
      Reviewed on Apr 20, 2019
    • HDFC Bank Personal Loan
      "Good Digitalal banking"
      0.5 5.0/5 "Blown Away!"
      I am a classic customer of HDFC, hence I got the pre approved loan. Earlier it was paper process, last year they completely changed to digital. This time within two hours the personal loan was sanctioned. The service is very excellent and also the interest rate is nominal.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 20, 2019
    • Bank Bazaar Personal Loan
      "Very good"
      0.5 4.0/5 "Great!"
      I konw bank bazaar last 3years above through website . And its easy to access, and their customer service is good and response is also good.The best part of bankbazaar they make sure they call the customer at their preferred timings. In all it has been a satisfactory experience.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Apr 16, 2019
    • HDFC Bank Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      I want personal loan but that time I have no document and customer service told me these days your offer , and I arrange document then I call customer care and they told me no offer in this time ,and their allover service was good . now I no need to take any loan,
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Apr 16, 2019
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      Through online i have come to know about the website. The user interface is really fine. Mobile application is easy . I applied through bank bazaar for personal loan . Overall their platform is really useful for comparing . The Customer support follow up was also good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 16, 2019
    • HDFC Bank Personal Loan
      "Not satifactory services"
      0.5 2.0/5 "Expected more"
      I applied for personal loan with HDFC BANK . They cancel my loan because i am in army . I applied for 8.2lakh . They said they cannot provide loan to me . The customer support forwardly called me to say this . The services was fine but i am not happy with the experience .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 16, 2019
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I hold HDFC bank personal loan with this bank, their service is good, they use to give loan on time, the process in getting loan was simple and quick, they loan amount which they have given me was sufficient, the rate of interest they have charged me was nominal.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 15, 2019
    • Kotak Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I applied for Kotak mahindra bank personal loan two years back, the loan amount was sufficient, the processing in getting loan was quick and simple, the rate of interest they have charged me was nominal, their service was good, so far no issue, still this loan is running.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Apr 15, 2019
    • Kotak Personal Loan
      "Rate of intrest is high "
      0.5 1.0/5 "Really Bad"
      I am not happy with KOTAK MAHINDRA BANK rate of interest which thy charge for my personal loan .it is 17% . Apart from this the whole application process was easy and hassle free. It was a really fast personal loan experience. I got the loan with few days in account.
      Was this review helpful? 3
      , ghaziabad
      Reviewed on Apr 15, 2019
    • Citibank Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I applied for a personal loan with CITI BANK and it was processed on time. I am happy with the services so far. There is no hidden charges with this bank . Rate of interest is 14% and it is nominal . The interest rates here seems to be reasonable compare to other banks.
      Was this review helpful? 2
      , ghaziabad
      Reviewed on Apr 15, 2019
    • Bank Bazaar Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I came to know about Bank bazaar through online Then got an idea to check credit score.This is a user friendly website and also it is easy to use as well .The only suggestion is rate of interest and the processing fee should be reduced since it is very high .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 12, 2019
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 2.0/5 "Expected more"
      I have applied for HDFC Bank Personal Loan through online . The agent clealry explained the process of the loan.Since rate of interest and the procesisng fee was high not taken the loan .There was no issues faced when applied for the personal loan .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 12, 2019
    • Tata capital Personal Loan
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      Tata capital personal loan process is very good.I had received the very good response from tata capital side.Customer service representatives are very helpful.There is no any processing fee charges in tata capital.Rate of interest is nominal.I will recommend this personal loan product to others.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Apr 05, 2019
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