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

    We found 32 Ludhiana Personal Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.49% - 15.99% Fixed
    1% to 2.5%
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Ad
    What you'll love
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    Perks
    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
    Rs.1000 Amazon voucher free Ad
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12% - 18% Fixed
    Up to 1.5% One time fee
    15L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Ad INSTANT DECISION
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.99% - 19.50% Fixed
    0 One time fee
    20L Max
    1-6 Years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13.99% - 16.99% Fixed
    1% - 2% One time fee
    20L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Paperless Approval Option Available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    11.00% - 17.99% Fixed
    2.25% (min. ₹1149) One time fee
    20L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.85% - 11.85% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Response Time Within 30 minutes
    Guarantor Required Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 19.8% Fixed
    Up to 2.5% One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.99% - 19% Fixed
    Up to ₹3000 One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    17.25% - 37% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    11.49% - 20.15% Fixed
    Up to 2%
    15L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.5% - 13.25% Fixed
    0 One time fee
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
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  • Ludhiana Personal Loan Reviews

    • Bank Bazaar Customer Support
      "Good service if loan approved"
      0.5 3.5/5 "Pretty good"
      Bankbazaar team is very supportive when it comes to work. I love the quickness of team. My loan got accepted there would be a party with the customer care. Good job done I never faced any issues with them, it is satisfactory service. I could see multiple options on the website.
      Was this review helpful? 0
      , ludhiana
      Reviewed on May 12, 2017
    • Bank Bazaar Customer Support
      "Quick Response"
      0.5 4.5/5 "Excellent!"
      I had received a quick response from bankbazaar. I approached bankbazaar for the financial assistance, they had supported me a lot and suggested me the bank as well based on my requirement. I felt I was able to save my time because there is no need to visit the bank for the loan. Bankbazaar itself forwarded my loan application to the bank.
      Was this review helpful? 0
      , ludhiana
      Reviewed on May 04, 2017
    • ICICI Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I got good response from ICICI bank when I applied for a personal loan. The reason for I dropped my plan is they were asking me to produce last three month payslips, as I recently changed my company I could not produce such documents hence I closed my application.
      Was this review helpful? 0
      , ludhiana
      Reviewed on May 04, 2017
    • Bank Bazaar Customer Support
      "Best service"
      0.5 3.0/5 "Satisfactory"
      Bank bazaar response is very good, because they gave me a call within 2 to 3 hours after giving all my details through their bank bazaar web portal. Bank bazaar web site is easy to use and customer friendly. The easiest way to find the financial products in the market, which gives with the best service.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Apr 23, 2017
    • Fullerton Personal Loan
      "Good service"
      0.5 2.0/5 "Expected more"
      The response and the follow up was good with Fullerton, but I haven' got the loan due to some personal reasons. The rate of interest and other charges were really high with Fullerton. It would be great, if they decrease the rate of interest and other charges in future.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Apr 23, 2017
    • Bajaj Finserv Personal Loan
      "Its Good"
      0.5 4.0/5 "Great!"
      I have taken personal loan with Bajaj Finserv on last year, they done the fast process within 10 days they realized the amount. I had taken the amount of Rs. 3.9 lakhs with the interest rate around 12%, with the tenure of five years, I am happy with pre and post process of Bajaj service.
      Was this review helpful? 3
      , ludhiana
      Reviewed on Apr 04, 2017
    • Capital First Personal Loan
      "Very Good"
      0.5 4.0/5 "Great!"
      The service provided was good. Capital First took around 2 days to complete the process.The interest rate applied was around 16% for the personal loan.The document required was average .The charges for example processing fee deducted was around 2700 Rs for the personal loan with Capital first.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Apr 03, 2017
    • Bank Bazaar Customer Support
      "Excellent"
      0.5 4.0/5 "Great!"
      I am very much satisfied with Bankbazaar. The web portal is easy to navigate and it has a lot of financial information. I received a quick response from the bankbazaar when I submitted my application also I got the proper information on my loan application overall satisfied.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Apr 03, 2017
    • ICICI Bank Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      My personal loan is from ICICI Bank and the process to get my loan through was convenient. Everything was on time as promised and the disbursement was also satisfactory. The interest rate was 18% and processing charges was 6k overall it was an excellent process.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Apr 03, 2017
    • Bank Bazaar Customer Support
      "Awesome service"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar is very prompt in providing the services. I had no issues with them. I had applied for a personal loan.they provide very good financial assistance, I got a very good service from Bank Bazaar on my personal loan application, also they are very prompt in service The website is also good and extremely informative.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Mar 30, 2017
    • Bank Bazaar Customer Support
      "Average"
      0.5 3.0/5 "Satisfactory"
      It would have been better, if I received calls from Bankbazaar after they realized that the loan application was not processed with the first bank. They could have called me back for more offers. They could also have more options for professionals and salaried. The response initially was good.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Feb 06, 2017
    • Kotak Personal Loan
      "Not provided a loan as requested"
      0.5 3.0/5 "Satisfactory"
      The reason I did not go ahead with Kotak Mahindra bank for the personal loan is because they were offering me a business loan when I had applied for a personal loan. The terms and conditions are different from that of a personal loan. I needed a loan of two lakhs and they were offering me five lakhs.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Feb 06, 2017
    • HDFC Bank Personal Loan
      "Its very good"
      0.5 5.0/5 "Blown Away!"
      My personal issues stopped me from availing the personal loan from HDFC Bank.My salary did not match the bank norms. The rate of interest offered by them was 18% and the processing fee is rs 2200. Otherwise, there is no trouble with the bank and nothing much to report about them.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Nov 19, 2016
    • Bank Bazaar Customer Support
      "Easy website and they have a tie up all banks"
      0.5 5.0/5 "Blown Away!"
      Bank bazaar had taken care of my ICICI. Once I applied for my personal loan, Immediately, I had received a call, they guided to check all the interest rates offered by different bank. They had saved my time , they gave accurate and correct information. Bank bazaar had a tie up with different banks to view interest rates and eligibility.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Oct 22, 2016
    • ICICI Bank Personal Loan
      "Most Best Bank in India"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with personal loan from ICICI. Even they had charged the processing fee of Rs.900, Interest rate was low. I had received quick response and technically it was good . Documentation and other part they had helped very soon to get my disbursement.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Oct 22, 2016
    • Axis Bank Personal Loan
      "Long time to process the loan"
      0.5 4.0/5 "Great!"
      Axis bank took a longer time than ICICI on an average they took more than 5 days to process the loan. To be honest there was no delay from my end, it was the bank which took a longer time to process the loan from their end. The rate of interest charged by them was relatively on the higher side.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Sep 16, 2016
    • Bank Bazaar Customer Support
      "Very nice intitative"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar has taken a very nice initiative, they are really quick in processing my request. I got a call from bankbazaar within 30 minutes of time. I was provided a number of options about various banks and its interest rate. In the very first instance, I was able to get the best deal. Website is user friendly, its really easy to understand and it is very clear without any bug.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Sep 16, 2016
    • ICICI Bank Personal Loan
      "Nice and cooperative"
      0.5 4.5/5 "Excellent!"
      Once after I enrolled myself online, the next day I got a call from the executive of the bank the lady called up and gave all the details. She was nice and co operative, she kept me posted about the list of documents before hand. The loan was disbursed within 3 days of time and it would be great if the revise their rates.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Sep 16, 2016
    • Bank Bazaar Customer Support
      "Very good experience"
      0.5 4.5/5 "Excellent!"
      I am much delighted with the services offered by Bankbazaar. The response was very much prompt. They were contacting me on time and giving me proper follow up calls all through the process. The website has also been good. It has been easy to use and understand.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Aug 31, 2016
    • IndusInd Bank Personal Loan
      "Lenthy process & high charges"
      0.5 4.0/5 "Great!"
      The document collection was done on time by Indusind Bank. But they took a lot of time to disburse the personal loan. The documentation was too much. The process for the loan took more than ten days. The rate of interest was high, it was of 15%. The processing charges was very high too.
      Was this review helpful? 0
      , ludhiana
      Reviewed on Aug 31, 2016
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    Ludhiana Personal Loan is Rated as "Great!" by 155 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    Ludhiana, located in the Ludhiana district of Punjab, is the state’s largest city based on population.Ludhiana is a component of the ‘Eastern Industrial Corridor’ that joins quite a few cities from Punjab straight to West Bengal This ensures that industrial growth is enhanced by quick transport of freight and goods.The World Bank held Ludhiana as the Indian city having the most favorable business atmosphere in 2009

    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 Ludhiana Personal Loan if you are

    01
    02
    03
    04
    Ludhiana Personal Loan Minimum Age

    At least 21 years old

    Ludhiana Personal Loan Maximum Age

    Less than 65 years old

    Ludhiana Personal Loan Eligible Employment Type

    Salaried / Self – Employed
    with regular income

    Ludhiana Personal Loan Minimum Income

    Earn more than the minimum
    income required


    Your Ludhiana Personal Loan amount eligibility is based on these factors

    01
    02
    03
    Ludhiana Personal Loan Minimum Salary

    Minimum income required
    Rs.17,500 per month

    Ludhiana Personal Loan Maximum Loan Funded

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

    Ludhiana Personal Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Ludhiana Personal Loan amount by these steps

    01
    02
    Ludhiana Personal Loan Payoff Outstanding Credit Card Bills

    Pay off your credit card bills

    “Ludhiana

    Choose longer tenure loan up to 5 years


    Documentation needed to apply for an Ludhiana 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

    Ludhiana Personal Loan Interest RatesUpdated on 30 May 2017

    Ludhiana 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

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