Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 32 Guwahati Personal Loan
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    Interest Rate Range
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    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
    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
    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
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  • Guwahati Personal Loan is Rated as "Great!" by 321 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    Guwahati Personal Loan

    Guwahati is the capital of the northeast Indian state known as Assam. It is a peaceful city with rivers and hills around it. It is a transit halt for millions of people who visit different places in the northeastern parts of the nation. It is a leading port city that has been witnessing extensive progress over the past few years.

    If you are in need of a personal loan for any of your needs in the city of Guwahati, you can conveniently apply for one on the Internet or by going to your lender’s branch located in the city. When you apply online, you can complete the entire application process on your own without any professional assistance. On the other hand, when you visit a branch, you will most likely have to take help from a branch executive to complete the full process.


    You’re probably eligible for an Guwahati Personal Loan if you are

    01
    02
    03
    04
    Guwahati Personal Loan Minimum Age

    At least 21 years old

    Guwahati Personal Loan Maximum Age

    Less than 65 years old

    Guwahati Personal Loan Eligible Employment Type

    Salaried / Self – Employed
    with regular income

    Guwahati Personal Loan Minimum Income

    Earn more than the minimum
    income required


    Your Guwahati Personal Loan amount eligibility is based on these factors

    01
    02
    03
    Guwahati Personal Loan Minimum Salary

    Minimum income required
    Rs.17,500 per month

    Guwahati Personal Loan Maximum Loan Funded

    Maximum allowed personal loan is Rs. 50K to Rs. 30 lakhs

    Guwahati Personal Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Guwahati Personal Loan amount by these steps

    01
    02
    Guwahati Personal Loan Payoff Outstanding Credit Card Bills

    Pay off your credit card bills

    “Guwahati

    Choose longer tenure loan up to 5 years


    Documentation needed to apply for an Guwahati 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

    Guwahati Personal Loan Interest RatesUpdated on 17 Nov 2018

    Guwahati Personal Loan Details
    Interest Rate (Monthly reducing balance) 10.99% to 24% p.a.
    Processing Fees Up to 2.5% of the loan amount
    Loan Tenure 1 year to 5 years
    Pre-closure Charges 2% - 5%
    Guarantor Requirement No guarantor required

    Apply for Personal Loan

    Personal Loans offered by Various Lenders in Guwahati

    Let us take a look at some of the top banks and non-banking financial companies (NBFCs) that provide personal loans in the city of Guwahati:

    • United Bank of India
    • State Bank of India (SBI)
    • Kotak Mahindra Bank
    • City Union Bank Ltd
    • Indian Overseas Bank
    • Punjab National Bank
    • Axis Bank
    • ING Vysya Bank
    • Canara Bank
    • IDBI Bank
    • ICICI Bank
    • Rajkot Bank
    • Bank of Baroda
    • Indian Bank
    • Bajaj Finserv
    • UCO Bank
    • Vijaya Bank
    • Central Bank of India
    • Bank of Maharashtra
    • J & K Bank
    • Allahabad Bank
    • Yes Bank

    How do I get a Personal Loan with the Lowest Interest Rate in Guwahati?

    • Compare loans: If you really want to get a low rate of interest for your personal loan, ensure that you push yourself to compare multiple personal loan options. You need to check out the rates, fees, and other charges, and pick the most affordable loan. This can be done online with the help of your smartphone, laptop, or computer. All you need to do is check out the brochures of loan products on lenders’ websites or visit third-party financial websites to compare and contrast interest rates.
    • Maintain a decent credit score: After you finalise on a loan and decide to approach a lender, you need to take care of one step to proceed further. You must make sure that your credit score is maintained well. This score is given by credit bureau agencies depending on your credit behaviour. The score should ideally be 750 or above. In case your credit score is low at the time of applying for a particular personal loan, your chances of getting your loan approved will be pretty low. Hence, if you have a pretty poor score, put in that little extra effort to boost it by being properly financially disciplined. You can then apply for a loan for a better result.
    • Job status: Your lender may actually do a background check of your job details to make sure that you have a steady source of income. You can also provide a proof of your income and proof of employment to show how much you are earning. This can be done by showing your most recent payslips, bank statements, offer letter, relieving letter, etc. Moreover, if your lender has collaborated with any of your employers, you may get preferential or special rates of interest for your personal loan.

    Personal Loan Interest Rates in Guwahati 2018

    This table shows the interest rates for some of the banks that offer personal loans in Guwahati:

    Name of bank Interest Rate Range Processing Fee Range Loan Amount Tenure
    Citibank 10.99% to 19.99% p.a. Up to 2.5% of the loan amount Up to Rs.30 lakh 1 to 5 Years
    Aditya Birla 14% to 26% p.a. Nil Rs.25,000 to Rs.15 lakh 6 to 36 months
    Bank of Baroda 1-year MCLR + SP + 3.00% to 1-year MCLR + SP + 8.00% Rs.1,000 to Rs.10,000 2% of your loan amount Rs.50,000 to Rs.10 lakh Up to 60 months
    UCO Bank 11.20% to 11.45% p.a. 1% of loan amount Up to Rs.10 lakh Up to 60 months
    State Bank of India 11.85% to 14.70% p.a. 1% Rs.25,000 to Rs.15 lakh Up to 84 months

    Salary requirements to avail Personal Loans in Guwahati

    In order to be able to apply for a personal loan in the city of Guwahati, you will be required to meet a few basic eligibility criteria. This typically includes age criteria, income criteria, and repayment ability criteria.

    You should be at least 21 years and not more than 60 or 65 years while applying for a personal loan. The age requirement will vary from lender to lender.

    The salary requirements will also differ from lender to lender. However, you will definitely have to be earning a good salary on a monthly basis at the time of applying for a personal loan in this city. Ideally, you should be earning at least Rs.7,500 if you are a salaried employee. If you are a self-employed applicant, your business venture should be earning a profit of at least Rs.1 lakh p.a.

    Guwahati Personal Loan FAQs

    1. What is the maximum loan amount that will be offered by a lender in Guwahati?

    The maximum loan amount will depend on your lender. It will be determined by your repayment ability, credit history, and relationship with your lender.

    2. How do I repay my personal loan in Guwahati?

    You can repay a personal loan in Guwahati or in any other city through various modes. This will also depend on your lender. The common modes of loan repayment include Standing Instruction (SI), Electronic Clearing Service (ECS), direct debit from your bank account, etc. You can choose any of these as per your convenience.

    3. Do personal loans come with balance transfer options in Guwahati?

    Yes, you can select a balance transfer facility for your personal loan in case you want to shift the balances of your personal loan to another lender. You will have to check with your current lender and new lender regarding the terms and conditions for balance transfer.

    4. In case my credit score is lower than 750, will I be able to procure a personal loan in Guwahati?

    While applying for a personal loan, even a credit score of 750 and above does not assure loan approval. This is very important to remember. When your credit score is lower than 750, you may have lower chances of getting your loan approved. Hence, if you really want that loan, you could put in a little extra effort to enhance your credit score. This can be achieved by being spending money in moderation. You could also present a security or collateral as it will reduce the risk of your lender. In case you got an increment in your salary, you can display your income proof to show that you can afford to repay the loan promptly. You may also combine your spouse’s income to boost your loan eligibility.

    5. Can I apply for a top-up facility with a personal loan in Guwahati?

    There are quite a few lenders in the city that provide top-up options for personal loans. You could check with your lender regarding the specifications of the top-up facility. Generally, you will have to complete paying EMIs at least for 12 months and only then you can avail the top-up facility.

    Guwahati Personal Loan Reviews

    • Bank Bazaar Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I am using the services of bankbazaar from last 7-8 years, the services provided by bankbazaar is good when compared to others in the market. Customer service was good and they responded on time. Website of bankbazaar is easy to navigate and user friendly to use.
      Was this review helpful? 1
      , guwahati
      Reviewed on Nov 09, 2018
    • HDFC Bank Personal Loan
      "Need to reduce charges"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with HDFC bank for personal loan, the process took 15 days to complete. The rate of interest was high when compared to other banks and the loan amount was based on requirement. Customer service was good with HDFC bank and the tenure period for this loan is 4 years.
      Was this review helpful? 1
      , guwahati
      Reviewed on Nov 09, 2018
    • Bank Bazaar Personal Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My experience was really amazing with BANK BAZAAR . The customer service and responses was up to the mark. I have taken my personal loan here . The website is amazing and the web portal's good so I would like to recommend to others . My overall experience was satisfactory.
      Was this review helpful? 0
      , guwahati
      Reviewed on Sep 11, 2018
    • Bank Bazaar Personal Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I've been using the BankBazaar platform for a while. I have applied for a personal loan via BankBazaar. Th customer support follow up was good during the process. BankBazaar is a smooth platform for applying emergency financial assiatnce from various banks.
      Was this review helpful? 2
      , guwahati
      Reviewed on Aug 31, 2018
    • ICICI Bank Personal Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from the ICICI bank. It was a good Experience, the process was very fast, the interest rate, charges were there. I got the loan amount with in 5 days. It was a very good experience taking a personal loan from the ICICI bank.
      Was this review helpful? 1
      , guwahati
      Reviewed on Aug 31, 2018
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      BANK BAZAAR is a good platform for all the financial products, The customer service and response was very good.I use the website which is very user friendly and easy to access. The web portals accuracy and speed is good so its recommendable.
      Was this review helpful? 0
      , guwahati
      Reviewed on Aug 13, 2018
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with HDFC bank. The loan amount was 2 lakhs and the interest rate was very much satisfactory . The tenure period was 5 years . The customer service and responses were very good . The documentation process was very good and the loan was approved on time.
      Was this review helpful? 0
      , guwahati
      Reviewed on Aug 13, 2018
    • Bank Bazaar Personal Loan
      "Website is good"
      0.5 4.0/5 "Great!"
      The experience with Bankbazaar is good and there are no hassles in the process. The customer support is on time to contact me and inform me the details. They also processed the same to the bank quickly and followed up in the process. The website is good.
      Was this review helpful? 0
      , guwahati
      Reviewed on Aug 13, 2018
    • HDFC Bank Personal Loan
      "Good. Can be more transparent in the details"
      0.5 4.0/5 "Great!"
      HDFC Bank has offered me a personal loan and the process was good and on time. The loan was also disbursed as per my requirement. I was informed that the rate of interest will be around 10 to 11% and finally I was charged around 13% The processing fee is also charged.
      Was this review helpful? 0
      , guwahati
      Reviewed on Aug 13, 2018
    • Fullerton Personal Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I have approved FULLERTON for a personal loan. The loan process was very good and The loan mount was 5 lakhs.. The given interest rate was very high than other banks and the tenure period was 3 years .My salary date is on 10th and my emi date is on 5 th which was but disappointing and cannot be changes also. The processing fee was nominal.
      Was this review helpful? 1
      , guwahati
      Reviewed on Jun 27, 2018
    • Bank Bazaar Personal Loan
      "Good Follow up"
      0.5 5.0/5 "Blown Away!"
      I've purchase my personal loan bankbazaar.com. This is my 2nd time personal loan experience with bankbazaar website. Actually, they are calling me for my personal loan and explaining how to process loan. Just fine with the services. Every time they are saying the status of the loan. I'm using bankbazaar for 9 months.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jun 06, 2018
    • HDFC Bank Personal Loan
      "Good Bank"
      0.5 5.0/5 "Blown Away!"
      I'm taking loan from HDFC this is my 2nd time experience. I don't need to call their customer care. Right now the interest rate is very high which is 15.99%. I got the loan amount of Rs. 3.6 lakhs. I'm paying the installment of Rs. 9,056 every month. Overall, I'm happy with the experience with HDFC.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jun 06, 2018
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The bank bazaar team has completed the whole personal loan process. The Initiative which was taken by the bank bazaar team is really good and I am thankful for that. I know bank bazaar for more than a year. The customer support service offered by the bank bazaar team is really good and they give good response to the customers.
      Was this review helpful? 0
      , guwahati
      Reviewed on Mar 24, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The ICICI bank took around a week time to disburse my personal loan amount. The rate of interest and the charges were little high but still I am fine with it. Their executives came to my place to collect the documents on time. The required loan amount has been disbursed and I am satisfied with it.
      Was this review helpful? 0
      , guwahati
      Reviewed on Mar 24, 2018
    • Bank Bazaar Personal Loan
      "Feedback "
      0.5 5.0/5 "Blown Away!"
      I am happy with your service but the bank's response was not prompt. There seems to be a lack of communication between you and the bank. Hope you are going to work on it. You have a wonderful team. The response and coordination among your team is great. I liked your mobile app. It is very user friendly. Overall, the experience was a good one.
      Was this review helpful? 0
      , guwahati
      Reviewed on Feb 27, 2018
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      BANK BAZAAR is a one stop solution for all the financial products . The customer service and responses was good. The mobile application is very good. The options on banks and Interest rate was amazing. My overall experience was excellent and its recommendable.
      Was this review helpful? 0
      , guwahati
      Reviewed on Feb 20, 2018
    • ICICI Bank Personal Loan
      "Better service"
      0.5 4.0/5 "Great!"
      I have my personal loan with ICICI bank. The loan amount was 1.5 lakhs and the Interest rate was 11.75% which is average in the market. The tenure period was 4 years and the loan process was very good. My overall experience was really good with ICICI Bank.
      Was this review helpful? 0
      , guwahati
      Reviewed on Feb 20, 2018
    • Bank Bazaar Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have got very good support from the bank bazaar team , when I had a personal loan requirement. The customer support was prompt with the bank bazaar team. I used the bank bazaar website while applying for the loan which is easy to use and user friendly.
      Was this review helpful? 0
      , guwahati
      Reviewed on Feb 09, 2018
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank has disbursed the loan amount within 2 days of time. The customer support service was good with the HDFC bank, they send their executives to collect the documents on time. The rate of interest and the charges average with the HDFC bank.
      Was this review helpful? 0
      , guwahati
      Reviewed on Feb 09, 2018
    • Bank Bazaar Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar provides very good services on financial products when compared to all other sources in the market. I know bankbazaar.com from last 3 years and it was a good experience so far with bankbazaar. Customer service was good and their response was also good. The website of bankbazaar is easy to navigate and is user friendly.
      Was this review helpful? 0
      , guwahati
      Reviewed on Feb 01, 2018
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