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    We found 35 Guwahati Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 16.99% Fixed
    Up to 2%
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon Voucher Ad
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    Customer Reviews
    11.50% - 17.25% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon Voucher 100% PAPERLESS APPROVAL
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    Perks
    Fees & Charges
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    Eligibility Criteria
    Customer Reviews
    15.95% - 18.95% Fixed
    2% One time fee
    20L Max
    1-3 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon Voucher
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    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 100% PAPERLESS APPROVAL
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    Eligibility Criteria
    10.99% - 20.75% Fixed
    Up to 2.5% One time fee
    40L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.5% - 13.5% Fixed
    1% + applicable tax One time fee
    2L - 25L
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon Voucher 100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    11% - 16% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    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 100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
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    Eligibility Criteria
    Customer Reviews
    12.49% - 33% Fixed
    6.0% One time fee
    15L Max
    1-4 Years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 18.15% Fixed
    Up to 2.5%
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon Voucher
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 14.49% Fixed
    0%
    30L Max
    1-5 years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    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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  • Guwahati Personal Loan is Rated as "Great!" by 309 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    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 22 May 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
      "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
    • Fullerton Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have applied for the Personal loan from Fullerton, my loan application was closed because i was not eligible for the loan. I was asked to submit 3 months salary payslip which i was not having. When it comes to customer service, it was good and they followed up correctly. The rate of interest is 30% which is way high when compared to other sources.
      Was this review helpful? 0
      , guwahati
      Reviewed on Feb 01, 2018
    • HDFC Bank Personal Loan
      "The Best"
      0.5 5.0/5 "Blown Away!"
      I took Personal loan from HDFC bank, for the loan amount of Rs. 1.95 lakh for the tenure of five years. They gave me only 6% of interest for the personal loan because I am very much impressed about the rate of interest is excellent. Still my loan is running without any difficulties.
      Was this review helpful? 0
      , guwahati
      Reviewed on Dec 05, 2017
    • Bank Bazaar Personal Loan
      "Good and Useful Website"
      0.5 5.0/5 "Blown Away!"
      All service of Bank Bazaar is very good, especially I like their response is very prompt and also they are very customer's oriented. I am using Mobile application its good, its very useful to track my personal finance , First time I am using Bank Bazaar and it is really good.
      Was this review helpful? 0
      , guwahati
      Reviewed on Dec 05, 2017
    • Fullerton Personal Loan
      "Looking for better interest Rate"
      0.5 5.0/5 "Blown Away!"
      They are very helpful, Fullerton executive coordinated well with me for the personal loan process. But interest high was very high they charged around 33% of interest, for the loan amount Rs. 1.25 lakh it has the tenure period of five years. It would be great if they reduce the rate of interest.
      Was this review helpful? 0
      , guwahati
      Reviewed on Dec 05, 2017
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I came to know about bankbazaar through google, they provide good services when compared to all other banking websites. I know bankbazaar.com from last 1-2 years, the experience was good so far. Customer service was good and their response was prompt. I use the mobile application, it is easy to access and it is user friendly. I also check my credit score in this mobile app.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 20, 2017
    • ICICI Bank Personal Loan
      "Needs to improve with ROI"
      0.5 3.0/5 "Satisfactory"
      I have applied for the personal loan from ICICI bank, my loan application was closed because after submitting the documents, they were supposed to send an OTP and also there was a network issue so the application was closed. Customer service was good and they responded on time. The rate of interest was high when compared to other banks.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 20, 2017
    • Bank Bazaar Personal Loan
      "Pretty good"
      0.5 4.0/5 "Great!"
      Bankbazaar.com is good and am using it from the last six months of time. I would like to say that the online portal of the Bankbazaar.com is very good and the response is fine one with the Bankbazaar.com. I am happy using this website bankbazaar.com.
      Was this review helpful? 1
      , guwahati
      Reviewed on Nov 16, 2017
    • ICICI Bank Personal Loan
      "Good "
      0.5 3.0/5 "Satisfactory"
      I have got the personal loan with the ICICI bank and everything was good. The loan amount got disbursed within a month of time. I would like to say that the rate of interest is around 14.7% for the personal loan. I am happy with the ICICI bank.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 16, 2017
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am very much satisfied with the site bankbazaar.com and it is very much cooperative . I am using this Bankbazaar.com for the first time. Further everything is up to the mark and I am very much satisfied too. I am happy with the service provided by bankbazaar.com.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 14, 2017
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have got the personal loan with the HDFC bank and everything is an excellent one for me. I would like to say that the response is really good and it is the best with the HDFC bank and the loan amount got disbursed on time which is a okay kind of thing.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 14, 2017
    • Bank Bazaar Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Earlier I had applied for a loan through bank bazaar the services are good so I have applied again. The representative always keep in touch, providing a proper solution and very helpful. The response was proper and prompt. The website was easy to access.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 13, 2017
    • HDFC Bank Personal Loan
      "Better"
      0.5 5.0/5 "Blown Away!"
      The customer service and response is good with HDFC Bank. It is a zero processing fee. The interest rate is nominal. First I submitted the documents online but it was rejected. I had submitted to the branch office. The loan process was normal. The payment of around 4K will be debited from my salary account as EMI.
      Was this review helpful? 0
      , guwahati
      Reviewed on Nov 13, 2017
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