• 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 18 Noida Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    PA PL OTP
    10.75% - 21.50% Fixed
    Up to 2.50% One time fee
    Up to Rs.40L
    1 - 5 Years
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    11.00% - 16.75% Fixed
    Zero Processing Fee
    Up to Rs.25L
    1 - 5 Years
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    25.00% - 32.00% Fixed
    3.00% One time fee
    Rs.75K - Rs.5L
    1 - 4 Years
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    11.25% - 14.49% Fixed
    Up to 2.75% One time fee
    Up to Rs.20L
    1 - 6 Years
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    18.00% - 36.00% Fixed
    2.00% - 3.00% One time fee
    Rs.1L - Rs.5L
    Up to 5 Years
    Only KYC docs required
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    11.99% - 25.00% Fixed
    3.00% - 6.00% One time fee
    Up to Rs.25L
    1 - 5 Years
    100% PAPERLESS APPROVAL
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    13.00% - 30.00% Fixed
    Zero Processing Fee
    Rs.50K - Rs.2L
    Up to 4 Years
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    10.50% - 16.99% Fixed
    Up to 2.50% One time fee
    Rs.50K - Rs.25L
    1 - 5 Years
    100% PAPERLESS APPROVAL
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    10.50% - 17.99% Fixed
    0.50% - 3.00% One time fee
    Up to Rs.30L
    1 - 5 Years
    Accelerated Approval
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    16.50% - 20.00% Fixed
    Up to 2.00%(Min ₹2,000) One time fee
    Up to Rs.15L
    1 - 5 Years
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    18.00% Fixed
    2.00% - 5.00% One time fee
    Rs.50K - Rs.7.5L
    1 - 4 Years
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    17.00% - 26.00% Fixed
    2.00% One time fee
    Rs.2L - Rs.20L
    0.5 - 4 Years
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    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 Oct 2020

    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

    • Incred Personal Loan
      "Interest rate can be reduced"
      0.5 3.5/5 "Pretty good"
      For the family function, i had applied for a personal loan from Incred because its easy to apply the loan through online and i can get it easily. I have applied the loan amount of Rs. 1.50 but i have received around Rs. 1.37 lakhs because they have deducted some charges for processing fee. I have selected the duration of 2 years. They took 15 days to sanction this loan. They have provided me an interest rate of 28%.
      Was this review helpful? 0
      , noida
      Reviewed on Feb 24, 2020
    • EDELWIESS
      EDELWIESS Personal Loan
      "Un Satisfied"
      0.5 1.0/5 "Really Bad"
      I have taken a personal loan through Edelweiss Retail Finance Limited through online. The due date was 1st of every month this should be changed after 10th of every month then it will be helpful. The loan was got sanctioned on time and I am satisfied with the service .
      Was this review helpful? 1
      , noida
      Reviewed on Feb 21, 2020
    • Tata capital Personal Loan
      "Interst rate was high"
      0.5 3.0/5 "Satisfactory"
      I have applied a TATA CAPITAL personal loan through online. The rate of interest was very high so i have declined this offer from my side. In future, if they provide me convenient rate of interest surely i will take this loan and i will recommend to others also.
      Was this review helpful? 0
      , noida
      Reviewed on Feb 20, 2020
    • SBI Personal Loan
      "Easy loan approval"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from SBI 3 years ago. The loan amount was Rs. 1,50,000 and the rate of interest was 12% which was nominal with the tenure of 3 years and i am paying EMI 4K. I have completed this loan right now and i got instantly with the minimum documents.
      Was this review helpful? 25
      , noida
      Reviewed on Feb 06, 2020
    • HDFC Bank Personal Loan
      "Need to decrease the interest rate"
      0.5 3.0/5 "Satisfactory"
      I have applied HDFC Bank personal loan through online. The rate of interest was very high 14% and also they are asking many documentation. Other bank offered me a less rate of interest and minimum documentation which makes me to feel hassle free, so i have informed them to cancel this application.
      Was this review helpful? 1
      , noida
      Reviewed on Feb 06, 2020
    • HDFC Bank Personal Loan
      "Easy loan approval"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from HDFC Bank through online. The loan amount was Rs. 2,00,000 and the rate of interest was normal 13% with the tenure period of 4 years, EMI i am paying Rs. 5000 . Customer service and responsiveness was very good.
      Was this review helpful? 1
      , noida
      Reviewed on Feb 06, 2020
    • Incred Personal Loan
      "Good service "
      0.5 4.0/5 "Great!"
      The rate of interest was very high on INCRED personal loan which I availed through online. Based on my requirement I have taken this loan at that situation. The loan got sanctioned on time and there was no drawbacks faced so far. I am really satisfied with the service. Everything was good when applied for this loan.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 29, 2020
    • Incred Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for Incred personal loan through Online . This loan was taken with high rate of interest since there was a requirement .The complete process of this loan was clearly shared by the agent .I have not undergone any drawbacks until i got the loan on time without any drawbacks .
      Was this review helpful? 2
      , noida
      Reviewed on Jan 13, 2020
    • Incred Personal Loan
      "Good but interest rates are so high"
      0.5 4.0/5 "Great!"
      I was unable to get the loan from anywhere so I approached Incred for the personal loan. They have provided me an interest rate of 33% + 18% GST. They took 15 days to sanctioned my loan. I have selected the duration of 2 years. They don't have a part payment and pre- closure facility.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 09, 2020
    • Tata capital Personal Loan
      "Need to reduce the rate of interest"
      0.5 1.0/5 "Really Bad"
      I received the call from Tata Capital executive as I applied for the loan and the rate of interest is17% which was very high. So, I have denied to complete the application. I have not submitted any documents. I would suggest them to reduce the rate of interest.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 04, 2020
    • ICICI Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with ICICI bank on 2.5 years before. Since I am holding account with them so they offered a loan . The amount of 2.28L is sufficient tenure period of 3 years. Rate of interest of 12% was okay. Pre closure option is available. I use to get remainder message on time from bank end.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 04, 2019
    • HDFC Bank Personal Loan
      "Need to be process at earlier"
      0.5 5.0/5 "Blown Away!"
      HDFC bank has offered a personal loan through online. The amount of 1.5L with tenure period of 3 years. Rate of interest was okay. They have called me on delay basis of 4 to 5 days later.I got offer so chosen this bank to apply a loan. The process was closed from bank end and not update the reason.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 04, 2019
    • Oriental Bank of Commerce Personal Loan
      " Good service "
      0.5 4.5/5 "Excellent!"
      I have taken personal loan through Oriental Bank Of Commerce directly.The rate of interest was quite nominal and also got the loan sanctioned on exact time frame .I have availed this loan on 2016 and it is still active.Bank agent shared the required details about the loan process.
      Was this review helpful? 3
      , noida
      Reviewed on Nov 11, 2019
    • Oriental Bank of Commerce Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan through Home credit India Finance private limited .I have got the loan amount on time and there was no difficulties faced so far while submitting the documents.The rate of interest was high according to me .I have got the loan amount sanctioned on time and really satisfied with the service so far .
      Was this review helpful? 1
      , noida
      Reviewed on Oct 14, 2019
    • EDELWIESS Personal Loan
      "Should need transparency on the charges of loan disbursal"
      0.5 4.0/5 "Great!"
      The rate of interest is fine with Edelweiss. I have applied for loan of 1L but they have disbursed me only 75K and the remaining 25K they have charged and there was no proper explanation. The documentation process was cool. The monthly due is Rs.1136
      Was this review helpful? 1
      , noida
      Reviewed on Oct 09, 2019
    • HDFC Bank Personal Loan
      "Good Loan"
      0.5 3.0/5 "Satisfactory"
      I had chosen the personal loan from HDFC bank its because of the satisfied services. I had applied the loan amount of Rs. 2 lakhs. From the bank end, they had rejected the loan for that the have not informed me about the reason as well. They have provided me a interest rate of 11.25%. I had chosen the tenure period of 2 years.
      Was this review helpful? 0
      , noida
      Reviewed on Oct 06, 2019
    • HDFC Bank Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I had applied for HDFC Bank personal loan where it was been disbursed to my account in one week but I had followed up with the customer service of the HDFC Bank and it was been told me while applying that the processing fee will be Rs. 2,200, but they had charged me Rs.3500 and also they told me that insurance was necessary to avail with the loan.
      Was this review helpful? 0
      , noida
      Reviewed on Oct 04, 2019
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I have not availed this HDFC Bank personal loan since there was no requirement .I was not having any issues with the rate of interest and the processing fee.I have not submitted the required documents .I have got all the required information about the loan process through the agent .I have not got any callback from bank end .
      Was this review helpful? 0
      , noida
      Reviewed on Sep 29, 2019
    • Kotak Personal Loan
      "Fraud & Worst bank with Unethical & Unprofessiona practices "
      0.5 0.5/5 "Unacceptable"
      Kotak Mahindra bank is worse in customer service & their loan team is just know how to harsh you even if you are paying your emi on time. If anybody want harassment and his demolishing of his image then only please do any transaction from Kotak Mahindra bank They have strategy team to harass people via unnecessary charges, as KOTAK cut more then 30,000k just a as processing fee whose clarification I never got and paying the Interest as well. I am still living the place which was given as communication addressees during beginning.  Which was never considered and all communications where sent to my home village, where people take it as wrong way and got unnecessary harshness by family and relatives. And then koatk says you never revert to our communications. Even after giving communication old records never gets updated, they call to their office make me wait for long hours and at the end no body come to meet
      Was this review helpful? 0
      , noida
      Reviewed on Sep 27, 2019
    • Citibank Personal Loan
      "Good enoughand satisfied "
      0.5 5.0/5 "Blown Away!"
      Only the CITI bank has provided me this much amount based on my profile. Since there is no requirement right now, i have postponed my plan and in future i will apply same. I had applied the loan amount of Rs. 7 lakhs and they have offered me a interest rate of 11.99% and the CITI bank service has been good.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 26, 2019
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