Multiple banks. Different interest rates. Call it a "conflict of interest".
Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 32 Noida Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 16.99% Fixed
    Up to 0.5%
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.2,000 Amazon Voucher Ad
    What you'll love
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    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.49% - 21.00% Fixed
    0 One time fee
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
    Rs.2,000 Amazon Voucher Ad Paperless approval available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 14.49% Fixed
    0 to ₹1,180
    30L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.2,000 Amazon Voucher
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 20.70% Fixed
    Up to 2.5% One time fee
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    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.2,000 Amazon Voucher Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    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.2,000 Amazon Voucher Paperless approval available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    13.49% - 19.99% Fixed
    Up to 2%
    Upto 25L
    1-5 years
    Response Time : Within 30 minutes
    Rs.2,000 Amazon Voucher Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    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.2,000 Amazon Voucher Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12% - 19% Fixed
    Up to 3% One time fee
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.2,000 Amazon Voucher Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    14% - 33% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time : Within 30 minutes
    Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 17.99% Fixed
    Up to 2.5%
    15L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.2,000 Amazon Voucher
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.00% - 13.75% Fixed
    1% One time fee
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.2,000 Amazon Voucher
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
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  • Noida Personal Loan is Rated as "Great!" by 902 Users
    Personal Loan BYTES FROM OUR KITCHEN

    Noida Personal Loan

    Noida, short for the New Okhla Industrial Development Authority, is a city in India under the management of the New Okhla Industrial Development Authority.Many companies have their Indian branch offices in Noida, because of many factors, including its Special Economic Zone status, its suburban atmosphere and its proximity to Delhi. Noida also hosts the head office of the Software Technology Park, which was established by the Government of India to promote the software industry.

    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 Noida Personal Loan if you are

    01
    02
    03
    04
    Noida Personal Loan Minimum Age

    At least 21 years old

    Noida Personal Loan Maximum Age

    Less than 65 years old

    Noida Personal Loan Eligible Employment Type

    Salaried / Self – Employed
    with regular income

    Noida Personal Loan Minimum Income

    Earn more than the minimum
    income required


    Your Noida Personal Loan amount eligibility is based on these factors

    01
    02
    03
    Noida Personal Loan Minimum Salary

    Minimum income required
    Rs.17,500 per month

    Noida Personal Loan Maximum Loan Funded

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

    Noida Personal Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Noida Personal Loan amount by these steps

    01
    02
    Noida Personal Loan Payoff Outstanding Credit Card Bills

    Pay off your credit card bills

    “Noida

    Choose longer tenure loan up to 5 years


    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 Jan 2018

    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 Loan offered by various Banks in Noida

    A personal loan is an unsecured loan given by banks and other financial institutions. To avail this loan, the borrower does not need to provide any collateral and there is no restriction on the end use of this loan. In Noida, there is no shortage of banks and financial institutions providing personal loans. Major banks like ICICI Bank, HDFC Bank, Axis Bank, State Bank of India, Citibank, IndusInd, Canara Bank, Union Bank, Federal Bank, Bank of Baroda, Punjab National Bank, Bank of India, Kotak Mahindra Bank, Yes Bank, UCO Bank, South Indian Bank and many more provide personal loans at attractive rates. Leading NBFCs (non-banking financial companies) like Tata Capital, Reliance Capital, Fullerton, Aditya Birla, Bajaj Finserv, Capital First and many more also offer personal loans.

    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 11.59% to 18.49% (fixed)
    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)

    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.


    Noida Personal Loan Reviews

    • Bank Bazaar Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I got good service and better support from bank bazaar team. It just took minimal time to get a loan via bank bazaar . I know bank bazaar for more than 2 to 3 years. The customer support was prompt with the bank bazaar team. I use the bank bazaar web site while applying for the loan.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 18, 2018
    • Citibank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I got the personal loan within a 2 days of time. The customer support was prompt with the Citibank. Their executives came to my place to collect the documents. The required loan amount has been given and I am satisfied with it. The rate of interest and the charges are low when compared with others.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 18, 2018
    • ICICI Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It is a very fast process with Icici personal loan department. The rate of interest is fine and the customer support is prompt. Icici personal team staffs have collected my documents from my door step which was a easy process,it was a excellent experience with Icici personal loan department.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 17, 2018
    • Bank Bazaar Personal Loan
      "Good website"
      0.5 4.5/5 "Excellent!"
      I created my login id on the bank bazaar website before one year but recently I had applied for a personal loan. They are good in loan prospective. The website was easy to navigate and more flexible. I had checked my credit score at free of cost. It is a hassle free service in all.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 10, 2018
    • Kotak Personal Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I am happy with kotak service on my personal loan. The customer service and response was good. They offered a interest rate of 10.9% compared to other banks which was low. I have taken around 3L with tenure period of 5years. I had to pay 6K every month through ECS.
      Was this review helpful? 0
      , noida
      Reviewed on Jan 10, 2018
    • ICICI Bank Personal Loan
      "Excellent Banking"
      0.5 5.0/5 "Blown Away!"
      I am a privilege customer of ICICI Bank. I don't find any delay on the loan disbursement. They disbursed within 2 days and I am pretty much happy with the ICICI service. The rate of interest was very nominal and there is no processing fee. The documentation process was simple and they provided a doorstep service.
      Was this review helpful? 1
      , noida
      Reviewed on Dec 26, 2017
    • Capital First Personal Loan
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      I am having the personal loan with the Capital first limited. Rate of interest is around 20%, also the response is good one. They have disbursed the loan amount within five days of time. I am happy with the Capital first limited.
      Was this review helpful? 1
      , noida
      Reviewed on Dec 11, 2017
    • Bank Bazaar Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It has been six months now, I came to know about the service of Bankbazaar.com ,I checked with Bankbazaar.com website which was easy for navigation. The customer support was also good with Bankbazaar.com,it was a good experience that I received from bankbazaar.com.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 08, 2017
    • Standard Chartered Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The verification process was very fast and on time with Standard chartered personal loan service ,the customer support was good . They completed the process in 15 days and the rate of interest was good it was a good experience with Standard chartered personal loan service.
      Was this review helpful? 2
      , noida
      Reviewed on Dec 08, 2017
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      Bank bazaar is a best website to get required financial products as the website has got updated products.The executives are good and fulfilled my requirements.I have been browsing the website for few years.I get multiple follow ups from bank bazaar.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 08, 2017
    • Standard Chartered Bank Personal Loan
      "Best service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with Standard Charted bank.The loan amount is f4 lakhs,rate of interest is 12.5% low compared to others,they have processed the request within one week.I had submitted documents to process the loan request.The executives are prompt.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 08, 2017
    • HDFC Bank Personal Loan
      "Process was short"
      0.5 5.0/5 "Blown Away!"
      I took a Personal Loan of Rs.15 Lakhs from HDFC Bank and the experience with it has been pretty good. They gave me the Loan for a Rate of Interest of 11% which I feel is one of good rates to get. The process of getting the Loan was very short and was prompt.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 07, 2017
    • ICICI Bank Personal Loan
      "Interest Rate is high"
      0.5 1.0/5 "Really Bad"
      I have been a Customer of ICICI for well over a Decade now. The Bank is beneficial while making transactions and all. But the Loan that was given to me had a little high Rate of Interest (14% approx). The process of the Loan was short though.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 07, 2017
    • Citibank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      I have my personal loan with CITI bank . The loan amount was 6 lakhs and the interest rate was 12.24% which was satisfactory . The customer service and responses was good . The tenure period was 5 years . The loan process was really good but the processing fee was bit high .They have provided door step service for collecting document . My overall experience was good.
      Was this review helpful? 0
      , noida
      Reviewed on Dec 05, 2017
    • ICICI Bank Personal Loan
      "Excellence service"
      0.5 5.0/5 "Blown Away!"
      ICICI provided me a personal loan behalf of my credit card. They have offered me a 83K. The rate of interest was nominal. I pay 4101 rupees for 2 years. I make the payment through credit card. The customer service and response was excellent. My saving account is with ICICI more than a decade.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 25, 2017
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 4.0/5 "Great!"
      I had a personal loan with HDFC before 3 years. I would say it was a good experience. The rate of interest was too much high on that time. I paid my EMI's on time to time. The payment option is very easy and convenient. The documentation process is simple.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 25, 2017
    • HDFC Bank Personal Loan
      "Satisfied"
      0.5 4.5/5 "Excellent!"
      My personal loan is from HDFC Bank and the experience is good. The process was on time and there are no issues in the documentation. The rate of interest and processing charges is normal and the after loan services is also good. A very good experience till date.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 24, 2017
    • Kotak Personal Loan
      "Approchable bank"
      0.5 4.0/5 "Great!"
      I have applied for a personal loan with KOTAK MAHINDRA BANK. Every thing with the bank was good. The executive came to my place to collect the documents. Its was a tension free experience. The follow up from the bank end was also good. I can recommend this bank.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 21, 2017
    • Bank Bazaar Personal Loan
      "Timely response"
      0.5 4.0/5 "Great!"
      The website with bankbazaar is good and comfortable. I really had a great experience in taking a loan through bankbazaar. The executive called me for further details and processed my documents with the bank. Its a good financial assistance.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 21, 2017
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I came to know about bankbazaar through one of my friend, i know bankbazaar from last 3 months. The services provided by bankbazaar is good when compared to all other banking websites. Customer service was good and their response was prompt. The mobile application is easy to use and is user friendly.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 20, 2017
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