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  • Noida Personal Loan

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  • 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 17 Noida Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.25% - 21.45% Fixed
    Up to 2.5% One time fee
    40L Max
    1-5 years
    Ad 100% PAPERLESS APPROVAL
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    Fees & Charges
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    Customer Reviews
    10.99% - 18.99% Fixed
    0.50% - 3.00%
    30L Max
    1-5 Years
    Ad Accelerated Approval
    What you'll love
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    Fees & Charges
    Good to Know
    Customer Reviews
    25.00% - 32.00% Fixed
    3.00% + taxes One time fee
    75K - 5L
    Upto 4 years
    What you'll love
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    Fees & Charges
    Eligibility Criteria
    12.99% - 19.75% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    100% PAPERLESS APPROVAL
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    Good to Know
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    Customer Reviews
    18.00% - 36.00% Fixed
    2% - 3% + taxes One time fee
    1L - 5L
    Upto 5 years
    Only KYC docs required
    What you'll love
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    11.99% - 25% Fixed
    3%- 6% One time fee
    25L Max
    1-5 Years
    100% PAPERLESS APPROVAL
    What you'll love
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    Eligibility Criteria
    13% - 30% Fixed
    0 Zero Processing Fee
    2L Max
    0 - 4 Years
    What you'll love
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    Good to Know
    Eligibility Criteria
    10.50% - 16.99% Fixed
    Up to 2.5%
    25L Max
    1-5 years
    100% PAPERLESS APPROVAL
    What you'll love
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    Customer Reviews
    11.00% - 16.75% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    100% PAPERLESS APPROVAL
    What you'll love
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    Perks
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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
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    16% - 28% Fixed
    2% - 5%
    50K - 7.5L
    1-4 Years
    100% PAPERLESS APPROVAL
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    23% Fixed
    2% + Taxes
    10L Max
    1 - 2 Years
    What you'll love
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    Perks
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    Eligibility Criteria

    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 14 Oct 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.

    A GST rate of 18% will be applicable on banking services and products from 01 July, 2017.

        

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    Noida Personal Loan Reviews

    • 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? 0
      , noida
      Reviewed on Oct 09, 2019
    • HDFC Bank
      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
    • Citibank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for Home credit India Finance Private Ltd personal loan through online .The rate of interest and the processing fee was high hence dropped the plan.I have not submitted any documents .There was no follow up and callback and i have got all the details about the loan process through the agent .
      Was this review helpful? 2
      , noida
      Reviewed on Sep 23, 2019
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had applied for HDFC Bank personal loan where my I had waited for long time but then I had planned and I had arranged funds from other source and then I had dropped this application but HDFC Bank should be quick to update the customer rather than making to wait.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 23, 2019
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      CITI BANK has provided me a loan so I have cancelled the personal loan in HDFC BANK, they are also good in the services and I don't have account with HDFC. Next time, I will be taking the loan through this bank and its a valuable bank. I have not provided any documents.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 20, 2019
    • ICICI Bank Personal Loan
      "Good Interest rate"
      0.5 4.0/5 "Great!"
      Bought my personal loan from ICICI its because of the low interest rates i have chosen them. There was a best reason choosing the loan is there is no foreclosure charges and I'm not aware of the processing fee. I have chosen the tenure period of 3 to 4 years. I have been paying the EMI amount of Rs. 7692 for the loan amount of Rs. 3.5 lakhs nearly.
      Was this review helpful? 1
      , noida
      Reviewed on Sep 19, 2019
    • HDFC Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have dropped the plan for time being due to my personal reason but the HDFC BANK services are good. The response was quicker from HDFC BANK hence have applied my personal loan through online channel. I did not know the rate of interest and charges.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 19, 2019
    • HDFC Bank Personal Loan
      "Need to improve the service"
      0.5 2.0/5 "Expected more"
      HDFC service they are providing is not good because their interest rates are high and they have taken more time to sanctioning the loan. They said within 4 days, they will be disbursing the loan but now more than 1.5 months, still their is no proper response from their end.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 18, 2019
    • HDFC Bank Personal Loan
      "They need to recomfirm the details with the customer"
      0.5 3.0/5 "Satisfactory"
      When i applied the loan, they have not done any follow up and i didn't receive any call and no people came to collect the documents but they have automatically closed the application from bank. Since HDFC is a repeated bank and the service will be prompt hence i have selected the same. I have applied the loan amount of Rs. 3.1 lakhs.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 18, 2019
    • Citibank Personal Loan
      "Need to decrease charges"
      0.5 3.0/5 "Satisfactory"
      I was applied for a personal loan with CITI bank on a month before which was applied through an online. The rate of interest was high as per my requirement banker has not negotiate the interest. On time I received a call from bank for further process. The loan amount sufficient for the tenure period of 5 years. Since it is a high interest so not process for further.
      Was this review helpful? 1
      , noida
      Reviewed on Sep 11, 2019
    • Citibank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      Overall, I am satisfied with the services of Citi Bank and have not taken the personal loan due to personal loan reason. The processing fee is included where the rate of interest is higher. There was proper followups while processing the application and there was issues.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 09, 2019
    • HDFC Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I have taken HDFC Bank personal loan but the rate of interest and the processing fee was high since requirement was there taken this loan .I have got the loan on delay basis . There was no difficulties faced so far and there was no transparency on the service .I have closed this loan without any difficulties .
      Was this review helpful? 0
      , noida
      Reviewed on Sep 09, 2019
    • Citibank Personal Loan
      "Average Service"
      0.5 4.0/5 "Great!"
      I have applied for Citi Bank personal loan which was applied through Online .I have applied since had requirement but after applying my requirement was over so dropped the plan.The rate of interest and the processing fee was little bit high .There was good response and follow up from bank end.
      Was this review helpful? 2
      , noida
      Reviewed on Sep 09, 2019
    • HDFC Bank Personal Loan
      "Need to decrease interest charges"
      0.5 3.0/5 "Satisfactory"
      From HDFC bank I got an offer for a personal loan to apply on 2 months before which was processed through an online. The rate of interest was too high for 23% for loan amount of 3 lakhs duration period of 5 years. Banker has not negotiated the interest rate so I have not process for further.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 07, 2019
    • HDFC Bank Personal Loan
      "Medium"
      0.5 4.0/5 "Great!"
      For a personal loan I was applied with HDFC bank on 3 months before which was processed through an online. I received a call on time from bank. The loan amount was sufficient which was offered from this bank. Since at earlier I got an amount from other source I have not process for further.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 06, 2019
    • HDFC Bank Personal Loan
      "Average"
      0.5 5.0/5 "Blown Away!"
      I applied personal loan from HDFC Bank online. Their rate of interest was very high in comparison to other banks. I had submitted my documents online as well as offline but bank executive never came for verification. I have no update on the application.
      Was this review helpful? 0
      , noida
      Reviewed on Sep 05, 2019
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