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

    Some of the leading financial institutions in the country offer loans to residents of Noida. You may be eligible to apply for a personal loan in Noida if you meet the age limit, earn the minimum required income, and are salaried/self-employed.
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    We found 33 Noida 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
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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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    Fees & Charges
    Good to Know
    Eligibility Criteria
    23% Fixed
    2% + Taxes
    10L Max
    1 - 2 Years
    Response Time : Within 30 minutes
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    Fees & Charges
    Eligibility Criteria
    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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    Perks
    Fees & Charges
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    11.00% - 16.75% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    Response Time : Within 30 minutes
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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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    Customer Reviews
    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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    Eligibility Criteria
    16% - 28% Fixed
    2% - 5%
    50K - 7.5L
    1-4 Years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    Eligibility Criteria
    11.25% - 22.00% Fixed
    From .75% (min. ₹999 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
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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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    Noida Personal Loan is Rated as "Great!" by 1113 Users

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    Personal Loan BYTES FROM OUR KITCHEN

    Noida is a leading city in the state of Uttar Pradesh. Noida is the short form for New Okhla Industrial Development Authority. This city was formed after systematic planning. It is a satellite city of Delhi and belongs to the National Capital Region of India. The city is well-equipped with tech parks, office complexes, and malls.

    Personal loans are widely available in the city of Noida. You can apply for one through online or offline modes depending on your preference. The city has a number of banks and non-banking financial companies (NBFCs) that provide personal loans for different tenures.

    You can compare interest rates, processing fees, and other charges and then select the most suitable loan that meets your preferences and requirements. You do not have to furnish any collateral for a personal loan. They are easily available and are economical. You only have to ensure that you meet your lender’s eligibility criteria before applying for a loan.

    Documentation needed to apply for an Noida 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

    Noida Personal Loan Interest RatesUpdated on 21 May 2019

    Noida 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 Noida

    Noida, otherwise known as New Okhla Industrial Development Authority, is a major city located on North India and is a part of the national capital city. Noida is growing at a very fast pace, given the volume of It companies, industrial offices, BPOs etc. that dot the place. Due to this, more and more people are migrating to the city not just in search for better job prospects but also looking for better quality of lifestyle.

    Despite people earning well, the need for funds arises some time or the other, especially when one wants to make a high-end purchase like a new laptop, home theatre system or a mobile phone. Funds are also needed when one wants to fund a long-awaited family vacation, for renovating their house or to pay for a wedding or a family function. Personal loans also come in useful when one may have to pay off some debts or for a medical emergency. To help customers take care of such needs, several banks and financial institutions offer personal loans.

    Personal Loans offered by Various Lenders in Noida

    Let us take a look at some of the top banks as well as non-banking financial companies (NBFCs) that offer personal loans in the city of Noida:

    • City Union Bank Ltd
    • Tata Capital
    • UCO Bank
    • IndusInd Bank
    • Punjab and Sind Bank
    • Kotak Mahindra Bank
    • Karnataka Bank
    • Oriental Bank of Commerce
    • State Bank of India (SBI)
    • The Chandigarh State Co-Operative Bank Ltd
    • Unit Trust of India
    • Karur Vysya Bank
    • Indian Overseas Bank
    • ING Vysya Bank
    • Canara Bank
    • Standard Chartered Bank
    • Bank of Punjab
    • Dena Bank
    • Deutsche Bank
    • Citibank
    • Andhra Bank
    • IDBI Bank
    • Aditya Birla
    • Federal Bank
    • Vijaya Bank
    • ICICI Bank
    • Axis Bank
    • HDFC Bank
    • Syndicate Bank
    • Punjab National Bank
    • Corporation Bank
    • South Indian Bank
    • Karnataka Bank

    How do I get a Personal Loan with the lowest interest rate in Noida?

    When getting a personal loan, there are a few things that you must keep in mind in order to ensure that the lender gives you the best rate on the loan. Here are a few tips:

    Credit Score – Before you apply for a personal loan, make sure that you have a healthy credit score. Since personal loans are unsecured, your credit worthiness acts as your security. The higher your credit score, the lower your interest rate is likely to be.

    Choose Carefully – There are a large number of lenders who will be willing to provide a personal loan to you. However, make your choice carefully and select the one which closely fits your requirements.

    Assess Your Need Before – Before you apply for a personal loan, calculate the amount that you actually need. Since interest on personal loans is usually higher than other loans, a higher than necessary loan amount means that you will have to pay interest on it as well.

    Personal Loan Interest rates in Noida

    Bank Personal Loan Interest Rate
    Citibank 10.99% to 15.99% (fixed)
    Standard Chartered 11.25% to 14.49% (fixed)
    ICICI Bank 10.99% p.a. to 22% p.a.
    Oriental Bank of Commerce 10.85% to 11.85% (floating)
    HDFC Bank 11.49% - 19.8% (fixed)
    IndusInd Bank 11.99% to 19% (fixed)
    Kotak Mahindra 11.49% to 20.15% (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)
    IDBI Bank 12.45% (floating)
    Indian Bank 12.65% to 13.65% (floating)
    Indian Overseas Bank 13.65% (fixed)
    Yes Bank 14% (fixed)
    Vijaya Bank 13.50% (fixed)
    Union Bank 14.4% (floating)
    UCO Bank 11.35% to 11.60% (fixed)
    Tamilnad Mercantile Bank 14.30% to 16.30% (floating)
    State Bank of India 12.90% to 14.90% (fixed)
    Aditya Birla 14% to 26% p.a.
    Fullerton India 11.99% to 23.99 p.a.
    Citibank 10.99% to 19.99% p.a.

    Salary Requirements to avail Personal Loans in Noida

    When it comes to personal loans, the income requirements usually differ from lender to lender. Some banks may require you to have a lower minimum income to apply for a personal loan while others may have a slightly higher margin for minimum income. Not just this, the minimum income requirement is usually also different for different categories of borrowers. Following are the minimum salary requirements for salaried and self-employed borrowers.

    • Salaried – Salaried borrowers must have a minimum monthly income between Rs.7,500 to Rs.15,000 to apply for a personal loan.
    • Self-employed – Self-employed borrowers do not draw a regular income and are usually asked to provide the balance sheet or profit & loss account of their business as proof of income. The minimum income requirement for self-employed borrowers is usually between Rs.1 lakh to Rs.2 lakh per year.

    Noida Personal Loan FAQs

    1. What is a personal loan?

      A personal loan is an unsecured loan provided by lenders which does not require any collateral or security.

    2. Can I use a personal loan to furnish the interiors of my house?

      Yes, you can use a personal loan to furnish the interiors of my house.

    3. Can I get a personal loan if I have a low credit score?

      If you have a low credit score, you may either get the loan at a very high rate of interest or your application may be denied as well.

    4. What is the processing fee charged on a personal loan?

      Lenders usually charge a processing fee ranging from 0.5% to 2.5% on the overall loan amount.

    5. What is meant by unsecured loan?

      Unsecured loans like personal loans are those which do not require any collateral or security to be pledged in exchange for the loan.

        

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    Noida Personal Loan Reviews

    • DBS Bank Personal Loan
      "EXCELLENT"
      0.5 4.5/5 "Excellent!"
      I have applied for the personal loan with the DBS BANK where they have offered with the satisfactory loan amount added on that the service is good also the documentation1 process was simple and easy to get the loan. The rate of interest was nominal.
      Was this review helpful? 1
      , noida
      Reviewed on May 18, 2019
    • Bajaj Finserv Personal Loan
      "NOT SATISFIED"
      0.5 1.0/5 "Really Bad"
      I am not satisfied with the personal loan with the BAJAJ FINSERV where the loan amount given was good but the service is not god as the customer support and responsiveness should need to improve. To do the pre closure it takes long time.
      Was this review helpful? 2
      , noida
      Reviewed on May 18, 2019
    • Cashe Personal Loan
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The personal loan that has been taken with the CASHe is good and also the process of getting the loan is good. The documentation process was simple and easy to get the loan. The loan amount given was satisfactory also the rate of interest was nominal.
      Was this review helpful? 1
      , noida
      Reviewed on May 18, 2019
    • HDFC Bank Personal Loan
      "GOOD LOAN TO USE"
      0.5 5.0/5 "Blown Away!"
      I have applied for the personal loan with the HDFC BANK the loan amount given with this bank was lesser but the documentation process was simple and easy to get the loan. The rate of interest was nominal than others when compared. The service is good.
      Was this review helpful? 2
      , noida
      Reviewed on May 18, 2019
    • IDFC Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I had taken a Personal loan from IDFC Bank a while back and the process in getting this loan was pretty much simple and the loan amount has been sufficient. But the interest rate with the loan was quite high when compared with the other banks and the processing charges has also been high.
      Was this review helpful? 2
      , noida
      Reviewed on May 17, 2019
    • Capital First Personal Loan
      "Average Service"
      0.5 2.0/5 "Expected more"
      I had taken my personal loan from Capital First a while back and the process in getting the loan was quite easy. The loan amount disbursed was good but the interest rate with them has been quite high when compared with the market rate. The loan has been closed and i feel that their services could be improved.
      Was this review helpful? 1
      , noida
      Reviewed on May 17, 2019
    • Kotak Personal Loan
      "Average service"
      0.5 3.5/5 "Pretty good"
      I hold personal loan with Kotak mahindra bank from long time, The loan amount which they have given me was good, it was sufficient based on my requirement, the rate of interest they have charged me was nominal, they have charged me up to 11.69%, the processing fee they have charged me up to 2-2.5% in the loan amount, still this loan is running. So far i had good experience with this bank.
      Was this review helpful? 0
      , noida
      Reviewed on May 04, 2019
    • ICICI Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I took one personal loan from ICICI bank last two years above, my loan amount is 1.90L . And here is rate of interest is high like 11%, not satisfied this rate of interest , and tenure is 5 years , EMI amount is 3746k, their customer support is good , I am satisfied this loan ,
      Was this review helpful? 1
      , noida
      Reviewed on May 02, 2019
    • Bank Bazaar Personal Loan
      "Very good"
      0.5 4.0/5 "Great!"
      Here is very faster process , I know bank bazaar last one years above but first time ,I visit, I know through website , I have been using website easy,and their customer service is good and response is also good , I am satisfied with bank bank bazaar,
      Was this review helpful? 1
      , noida
      Reviewed on May 02, 2019
    • Ujjivan Bank Personal Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      Customer service told me about loan , and their rate of interest is high and customer response is not properly , but loan amount was sufficient compare to other this finance is not provided good rate of interest , so I did not take this personal loan ,
      Was this review helpful? 2
      , noida
      Reviewed on May 02, 2019
    • review Personal Loan
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have taken one personal loan from home credit finance , and instant I got loan amount just 30K and last eleven month back I took this loan , and tenure is 12 month , and every thing is nominal , their allover service is good , I am happy with this loan ,
      Was this review helpful? 1
      , noida
      Reviewed on Apr 25, 2019
    • YES Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I took my personal loan with YES BANK around 1 year ago. I am happy with the interest rate. The customer service is good and the loan was disbursed with in a week. The loan duration is 3 or 4 years, there was a processing fee which was nominal. The documents are collected by the executive and it was very simple for salary account holder.
      Was this review helpful? 1
      , noida
      Reviewed on Apr 25, 2019
    • Bank Bazaar Personal Loan
      "Easy to get a loan"
      0.5 4.0/5 "Great!"
      It was a good experience with Bank Bazaar. I visited the site so many times to check the offers but for the first time, I have taken a personal loan. I have used the website and there is no difficulty in accessing the portal. I got a proper service from the customer support and I check credit score spontaneously. Am yet to receive my Amazon voucher.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 25, 2019
    • Kotak Personal Loan
      "Need to decrease the rate of interest"
      0.5 4.0/5 "Great!"
      I am not satisfied with Kotak interest rate which they have to decrease. I have taken a personal loan in YES around 11% but Kotak has charged me 16%. Also they took processing fee about Rs.8000 including insurance on the loan amount of 1.5L. The loan tenure is 4 years.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 25, 2019
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I took a personal loan from ICICI BANK . The interest rate was nominal when comparing to other banks. I pay an EMI per month. The application process was easy and the loan amount was creditted with in few days. I have too this loan offline and i am happy with customer service .
      Was this review helpful? 0
      , noida
      Reviewed on Apr 19, 2019
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I've been using Bank Bazaar.com for the past few month, I applied for personal loan through this website but it got cancel .This is the First time i applied through bank bazaar. Got a lovely experience with Bank bazaar. Overall it has been god experience with this website .
      Was this review helpful? 0
      , noida
      Reviewed on Apr 16, 2019
    • Fullerton Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan has been taken with FULLETRON . The interest rate was normal and the whole application process was easy and hassle free. There hasn't been any issues with their services. The loan amount they provide me was 150000 and it is fair enough .
      Was this review helpful? 1
      , noida
      Reviewed on Apr 16, 2019
    • HDFC Bank Personal Loan
      "Not satifactory services "
      0.5 1.0/5 "Really Bad"
      I have applied in HDFC BANK for personal loan , i cancel the loan because they ask me the documents i gave all the documents multiple times and later they ask to give my parents ID proof which i do not want to give . I am not happy with the services. .
      Was this review helpful? 0
      , noida
      Reviewed on Apr 16, 2019
    • Kotak Personal Loan
      "Helped me a loan in critical time"
      0.5 4.0/5 "Great!"
      Two times I taken a personal loan in Kotak during for my emergency purposes . They helped by giving some loans in critical situation . On my first time they taken 15 day for sanctioning the loan , then I took a top up loan within two minutes of times. But the Interest rate is almost very high 15 % .
      Was this review helpful? 3
      , noida
      Reviewed on Apr 12, 2019
    • review Personal Loan
      "Unhappy with Home Credit"
      0.5 1.0/5 "Really Bad"
      I am not happy with Home credit because of higher interest on the principal amount, I have taken the amount of Rs. 2 lakhs, but my emi amount is Rs. 9436 it has the tenure period of three years. Processing fee is also higher, they taken around Rs. 6000 from the principal.
      Was this review helpful? 0
      , noida
      Reviewed on Apr 12, 2019
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