Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 31 Nasik Personal Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.49% - 15.99% Fixed
    0.5%
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
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    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.1,000 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.1,000 Amazon voucher free 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.1,000 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.1,000 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.1,000 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
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    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
    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.1,000 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
    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.1,000 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.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
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  • Nasik Personal Loan Reviews

    • Bajaj Finserv Personal Loan
      "Hassle free"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from Bajaj Finserv and they have been excellent in the services and process. Without checking my papers they provided me a loan without any fuss. The interest rate and processing charges are also normal and most of all I am happy that they valued me as a customer and they provided the loan.
      Was this review helpful? 0
      , nasik
      Reviewed on Jun 14, 2017
    • Bank Bazaar Customer Support
      "Very nice Experiance"
      0.5 5.0/5 "Blown Away!"
      Its amazing I was just completed my Personal loan application online with out any disturbance . Really very nice service Customer care executive must have to speak in Hindi language also because some times we miss lot of things in English ..
      Was this review helpful? 0
      , nasik
      Reviewed on Jun 07, 2017
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had closed the personal loan with the HDFC bank and the interest rate was lesser one with them because I was working there before. Customer service was good one with them and the response was also good. Within ten seconds of time, I got the loan amount from them.
      Was this review helpful? 0
      , nasik
      Reviewed on May 22, 2017
    • Bank Bazaar Customer Support
      "Bank bazaar portal is very easy to use, It is a customer fri"
      0.5 4.5/5 "Excellent!"
      I approached the bank for my loan requirement with the help of bankbazaar and I received a very good assistance it was completely satisfactory. They helped me to forward my application to the selective bank and they promptly followed up on my application.over all nice experience.
      Was this review helpful? 2
      , nasik
      Reviewed on May 16, 2017
    • Bajaj Finserv Personal Loan
      "High interest rate and processing fees"
      0.5 4.0/5 "Great!"
      When I was taking a personal loan from Bajaj Finserv, the processing fees and interest rate were very high. Interest rate was 15.25% and the processing fee was 14,000. But I had taken a loan as I was in need, also I approached them through online source. The executives from Bajaj came to my premises and collected the documents, they made my work simple. It would be better if they reduce their charges.
      Was this review helpful? 0
      , nasik
      Reviewed on Apr 03, 2017
    • Bajaj Finserv Personal Loan
      "Look before you leap"
      0.5 2.0/5 "Expected more"
      I do have personal loan with the Bajaj Finserv and they have offered me with the interest rate as 36%, which I guess. Customer service is not much appreciable and the response is also not good. The processing charges were around 4000 Rupees to 7000 Rupees, which was also huge.
      Was this review helpful? 1
      , nasik
      Reviewed on Feb 22, 2017
    • Bank Bazaar Customer Support
      "Excellent Service And Good Experience"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar is a very good application, this website has got more search options for all bank products. The information avialiable on the site is good to know and easy to compare when it comes to bank offers too. Customer service is really good, they were providing response on time. But I wish Bank Bazaar would improve on their communication with the bank partners even more. Because the bankers are not giving the proper information for any customer query.
      Was this review helpful? 0
      , nasik
      Reviewed on Feb 11, 2017
    • Fullerton Personal Loan
      "Good service, But They Should Reduce Interest Rate"
      0.5 5.0/5 "Blown Away!"
      It was a pleasant experience with FULLERTON INDIA for personal loan.They were not properly organized the documentation process. The rate of Interest was high when compared with other bank, also they has taken 5000rs for processing fees. They had taken 2 week for loan disbursement.
      Was this review helpful? 0
      , nasik
      Reviewed on Feb 11, 2017
    • Bank Bazaar Customer Support
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar has been the best for me. They have helped me get a loan without having to visit the bank and also to get the loan without much of trouble. I never had to visit the bank and the process was online and I also got to choose the various rates.
      Was this review helpful? 1
      , nasik
      Reviewed on Feb 03, 2017
    • HDFC Bank Personal Loan
      "Excellent process"
      0.5 5.0/5 "Blown Away!"
      It was a super fast process for the personal loan with HDFC Bank. They took one and half day to complete the process. The rate of interest was normal as well and the processing charges was also very much reasonable. I am happy that I got the best deal from them.
      Was this review helpful? 0
      , nasik
      Reviewed on Feb 03, 2017
    • Kotak Personal Loan
      "Easy to approach"
      0.5 5.0/5 "Blown Away!"
      Its a good experience with Kotak, Initial process was excellent but the post process was not good. I am satisfied with their bank norms and they simply process my personal loan without any difficulties. They sanctioned the entire amount from my end with nominal interest rate and processing fee.
      Was this review helpful? 0
      , nasik
      Reviewed on Dec 29, 2016
    • HDFC Bank Personal Loan
      "Smooth services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank is the best in the services and there is no other bank like them. They are very much professional and very fast as well. I had taken the personal loan and the process was smooth. They were much reasonable and affordable when it comes to interest rate and charges.
      Was this review helpful? 0
      , nasik
      Reviewed on Dec 16, 2016
    • Axis Bank Personal Loan
      "Not satisfactory"
      0.5 2.0/5 "Expected more"
      Axis bank has not been professional in the services and they do not know how to treat a customer. I have taken a personal loan and it has not been a good experience. They also ask the customer to visit the bank instead of coming over to the customer to take documents.
      Was this review helpful? 0
      , nasik
      Reviewed on Dec 16, 2016
    • HDFC Bank Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      My personal loan with HDFC Bank has a vast difference when compared to the charges and rate at Fullerton. They are not only less on the rates but the process is also very much convenient and the documentation is more simple being a existing customer. Overall a good experience.
      Was this review helpful? 0
      , nasik
      Reviewed on Nov 09, 2016
    • Bank Bazaar Customer Support
      "Very helpful"
      0.5 5.0/5 "Blown Away!"
      When I needed help nor if I was in search for a loan, I would log in to Bankbazaar as they are really helpful to me. They understood my need and processed my details and they had forward it to the bank and they also followed up with me till the end of the process.
      Was this review helpful? 0
      , nasik
      Reviewed on Nov 09, 2016
    • Fullerton Personal Loan
      "High ROI & charges"
      0.5 4.0/5 "Great!"
      If anyone needs funds in an emergency they could go ahead with Fullerton as the process is quick. The customer services and response has been good right through the personal loan. The rate of interest was on the higher side and so was the processing fees and other charges.
      Was this review helpful? 0
      , nasik
      Reviewed on Nov 09, 2016
    • Bank Bazaar Customer Support
      "Satisfactory experience"
      0.5 5.0/5 "Blown Away!"
      I had been using the services of Bankbazaar was the last couple of years and it has always been excellent in the customer services and response. They are very quick in their services. The response is good is prompt. The portal has also been really good. There has been a lot of improvement.
      Was this review helpful? 1
      , nasik
      Reviewed on Sep 19, 2016
    • Capital First Personal Loan
      "Overall a good process"
      0.5 5.0/5 "Blown Away!"
      The services are really good from Capital first as they were able to give me the required amount within eight days. The rate of interest was around 13% for the personal loan. The processing chargers was also pretty nominal. I am also happy with the after loan services.
      Was this review helpful? 2
      , nasik
      Reviewed on Sep 19, 2016
    • Fullerton Personal Loan
      "Average "
      0.5 5.0/5 "Blown Away!"
      There was some issue in documentation related to the personal loan application being submitted with fullerton.The customer support and response provided was quite good with Fullerton.The rates applied were high but they have not confirmed with the charges in the loan.
      Was this review helpful? 0
      , nasik
      Reviewed on Jun 21, 2016
    • Bank Bazaar Customer Support
      "Informative site"
      0.5 4.0/5 "Great!"
      I always consider bankbazaar as an informative site. All the current updates are availiable on the site. I could able to see the advertisements of bankbazaar many times in the television. I have also heard that bankbazaar is now on android and I am planning to use it .
      Was this review helpful? 0
      , nasik
      Reviewed on Jun 15, 2016
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    Nasik Personal Loan is Rated as "Great!" by 162 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    Nashik is the fourth largest city in the state of Maharashtra and is often called the Wine Capital of the country.. According to recent reports it’s the fourth fastest growing city in the country as well and that’s not difficult to imagine given that the industrial landscape of the city has grown tremendously in the past few years. Nashik has also become home to many big BPO companies that are opening their offices here and offering work opportunities to the youngsters living here.

    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 Nashik Personal Loan if you are

    01
    02
    03
    04
    Nashik Personal Loan Minimum Age

    At least 21 years old

    Nashik Personal Loan Maximum Age

    Less than 65 years old

    Nashik Personal Loan Eligible Employment Type

    Salaried / Self – Employed
    with regular income

    Nashik Personal Loan Minimum Income

    Earn more than the minimum
    income required


    Your Nashik Personal Loan amount eligibility is based on these factors

    01
    02
    03
    Nashik Personal Loan Minimum Salary

    Minimum income required
    Rs.17,500 per month

    Nashik Personal Loan Maximum Loan Funded

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

    Nashik Personal Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Nashik Personal Loan amount by these steps

    01
    02
    Nashik Personal Loan Payoff Outstanding Credit Card Bills

    Pay off your credit card bills

    Nashik Personal Loan Tenure

    Choose longer tenure loan up to 5 years


    Documentation needed to apply for an Nashik 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

    Nashik Personal Loan Interest RatesUpdated on 26 Jun 2017

    Nashik 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 Nashik

    Located in the northwest part of Maharashtra, Nashik is also known as India’s wine capital and Maharashtra’s garden city. The city is the fourth largest in the state in terms of population, housing over 15 lakh people within its geographical boundaries. A large number of people who live in Nashik form part of the salaried class, and as a result, tend to take personal loans to meet their personal requirements which they otherwise would not be able to afford through their salaries and savings. Some of the most common reasons for the people of Nashik to avail personal loans include home renovation, the purchase of vehicles and/or home appliances, to pay for their weddings and other major ceremonies, etc. The reasons for the people to avail personal loans are aplenty, and due to their need for credit, personal loans have become not only popular, but also the most easily accessible financial product in the city.

    Personal Loans Offered by Various Banks in Nashik

    A large number of private and public sector banks as well as non-banking institutions in Nashik are ready to entertain individuals who seek personal credit. Some of the leading institutions in the city include Citibank, Tata Capital, Kotak Mahindra, HDFC Bank, IDBI Bank, Canara Bank, Standard Chartered, Oriental Bank, IndusInd, State Bank of India, Fullerton, Aditya Birla, Capital First, Allahabad Bank, Bank of India, ICICI Bank, Central Bank, Dena Bank, Bank of Baroda, Indian Bank, Union Bank, Karur Vysya, South Indian Bank, Tamilnad Mercantile Bank, UCO Bank, Indian Overseas Bank, Vijaya Bank, Yes Bank, etc. If you’re seeking personal loans in Nashik, the aforementioned institutions are worth considering as they offer the best terms and conditions in the city.

    How to Get a Personal Loan with the Lowest Interest Rate in Nashik

    A few factors require consideration when drafting an application for a personal loan in a manner such that you have access to competitive interest rates. The interest rate applicable to your credit will depend upon the lender from whom you choose to borrow. However, before you try to apply for a personal loan, it is very important to check your creditworthiness. A good credit rating can help you not only avail the amount you require, but will also open the door to availing a relatively low and affordable interest rate. Credit scores that exceed 750 will make it considerably easy for you to get a high amount at a relatively low interest rate. Your credit score is directly proportional to your interest rate in the sense that the higher you’re score, the lower your interest rate and vice-versa. It is also instrumental to carefully assess your financial requirements before drafting an application for a personal loan as borrowing a high amount that you don’t fully need will mean that you will have to deal with paying extra interest. Similarly, borrowing a lower amount and utilising it without meeting your personal requirements will mean that you may end up taking another loan to meet your requirements, thereby paying interest on the second loan as well. Make sure that you have assessed how much money you need as it will help in avoiding unnecessary expenditure towards interest payments.

    Personal Loan Interest Rates in Nashik 2017

    Several major public and private sector banks in Nashik offer personal loans to its residents. Following are the interest rates offered by the top banks for personal loans in Nashik:

    Bank Interest Rate
    Citibank 10.99% to 15.99% (Fixed)
    Standard Chartered 11.25% to 14.49% (Fixed)
    Capital First 12% to 18% (Fixed)
    Tata Capital 11.99% to 19.50% (Fixed)
    ICICI Bank 11.59% to 18.49% (Fixed)
    Oriental Bank 10.85% to 11.85% (Floating)
    HDFC Bank 11.49% to 19.8% (Fixed)
    IndusInd Bank 11.99% to 19% (Fixed)
    Fullerton 17.25% to 37% (Fixed)
    Kotak Mahindra 11.49% to 20.15% (Fixed)
    Aditya Birla 11.5% to 13.25% (Fixed)
    Allahabad Bank 13.10% (Fixed)
    Bank of Baroda 11.35% to 14.35% (Fixed)
    Bank of Maharashtra 12.75% (Fixed)
    Bank of India 13% to 14% (Fixed)
    Canara Bank 12.75% (Floating)
    Central Bank 11.4% (Floating)
    Dena Bank 13% to 14% (Fixed)
    IDBI Bank 12.45% (Floating)
    Indian Bank 12.65% to 13.65% (Floating)
    Indian Overseas Bank 13.65% (Fixed)
    Karur Vysya 13.35% to 15.85% (Floating)
    South Indian Bank 13% (Fixed)
    State Bank of India 12.90% to 14.90% (Fixed)
    Tamilnad Mercantile Bank 14.30% to 16.30% (Floating)
    UCO Bank 11.35% to 11.60% (Fixed)
    Union Bank 14.4% (Floating)
    Vijaya Bank 13.50% (Fixed)
    Yes Bank 14% (Fixed)

    Salary Requirements to Avail Personal Loans in Nashik

    Every lender has certain requirements that must be met by individuals who wish to avail a personal loan. Applicants must be either salaried applicants or self-employed individuals and must provide the bank with a proof of income so that the bank can determine whether or not to consider their application. The salaried employees in Nashik are required to earn a monthly salary ranging from Rs.7,500 to Rs.50,000 at least if they wish to take a personal loan. Self-employed individuals on the other hand are expected to provide proof that they earn an income of at least Rs.1 lakh per annum if they are to avail credit.

    Nashik Personal Loan FAQs

    1. How long will the bank take to approve my application for a personal loan?

      The time taken to approve an application for a personal loan will depend from bank to bank. While some banks approve loan applications with 48 hours, some banks take at least a week. Usually a loan application is approved between two and seven working days.

    2. Are there any additional charges associated with a personal loan?

      Yes. Almost all banks charge a processing fee ranging from 2% to 2.5% of the amount you wish to borrow, and the fee is generally deducted from the amount disbursed to you.

    3. How do I repay my personal loan?

      The repayment of personal loans can be done in Equated Monthly Instalments (EMIs) via post-dated cheques favouring the bank from which you have availed the loan. You could also link your debit account to your loan in case you borrow from a bank with which you hold a savings bank account and the amount will be deducted automatically.

    4. Can I get the balance transfer facility in my personal loan?

      It depends on the bank. Some banks offer the balance transfer facility if the customer has paid 12 EMIs. Check with your bank before applying for the loan if they offer the same.

    5. How much money can I borrow through a personal loan?

      The lender will determine the limit you have when it comes to taking a personal loan. A number of factors will be considered before the bank approves your application, but loans up to Rs.5 lakhs are disbursed by most banks.  


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