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  • Patiala Personal Loan

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  • One of the largest cities in Punjab, Patiala has a large number of banks that offer financial products such as personal loans at competitive terms and conditions. With HDFC Bank, ICICI Bank, Citibank, HDB Financial Services and other top banks and financial institutions, residents of Patiala have plenty of options to choose from when it comes to availing a personal loan in the city.
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    We found 18 Patiala 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
    Ad 100% PAPERLESS APPROVAL
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    Eligibility Criteria
    Customer Reviews
    11.00% - 16.75% Fixed
    Zero Processing Fee
    Up to Rs.25L
    1 - 5 Years
    Ad 100% PAPERLESS APPROVAL
    What you'll love
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    Perks
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    25.00% - 32.00% Fixed
    3.00% One time fee
    Rs.75K - Rs.5L
    1 - 4 Years
    What you'll love
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    Perks
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    11.25% - 14.49% Fixed
    Up to 2.75% One time fee
    Up to Rs.20L
    1 - 6 Years
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Fees & Charges
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    Eligibility Criteria
    Customer Reviews
    18.00% - 36.00% Fixed
    2.00% - 3.00% One time fee
    Rs.1L - Rs.5L
    Up to 5 Years
    Only KYC docs required
    What you'll love
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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
    What you'll love
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    Perks
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    Fees & Charges
    Eligibility Criteria
    13.00% - 30.00% Fixed
    Zero Processing Fee
    Rs.50K - Rs.2L
    Up to 4 Years
    What you'll love
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    Perks
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.50% - 16.99% Fixed
    Up to 2.50% One time fee
    Rs.50K - Rs.25L
    1 - 5 Years
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.50% - 17.99% Fixed
    0.50% - 3.00% One time fee
    Up to Rs.30L
    1 - 5 Years
    Accelerated Approval
    What you'll love
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    Customer Reviews
    16.50% - 20.00% Fixed
    Up to 2.00%(Min ₹2,000) One time fee
    Up to Rs.15L
    1 - 5 Years
    What you'll love
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    Eligibility Criteria
    18.00% Fixed
    2.00% - 5.00% One time fee
    Rs.50K - Rs.7.5L
    1 - 4 Years
    100% PAPERLESS APPROVAL
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    Eligibility Criteria
    17.00% - 26.00% Fixed
    2.00% One time fee
    Rs.2L - Rs.20L
    0.5 - 4 Years
    What you'll love
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    Good to Know
    Eligibility Criteria

    Patiala is one of the biggest cities in Punjab. It’s the state’s educational hub. Patiala is also the fast emerging industrial growth center of the state of Punjab.The city has one of the highest number of vehicles per capital in the country, beating metropolitan cities and most 2 tier cities.The whole state of Punjab is quite urbanized and Patiala is another example of that urbanization

    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.

    Documentation needed to apply for an Patiala 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

    Patiala Personal Loan Interest RatesUpdated on 25 Oct 2020

    Patiala 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
        

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    Patiala Personal Loan Reviews

    • Axis Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken through Axis Bank.still this loan is active and the rate of interest and processing fee was medium .This loan was availed for personal use and it was a paperless approval since have saving account ,loan got sanctioned on proper time frame .This loan was availed for my personal use.
      Was this review helpful? 58
      , patiala
      Reviewed on Mar 20, 2020
    • ICICI Bank
      ICICI Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan through ICICI Bank.still this loan is active on my account and the rate of interest and processing fee was good compared to other bank .This loan was availed for personal use and it was a paperless approval since have saving account ,loan got sanctioned on time .This loan was availed for personal use and it was a paperless approval since have saving account ,loan got sanctioned on time
      Was this review helpful? 27
      , patiala
      Reviewed on Mar 20, 2020
    • HDFC Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for HDFC Bank personal loan through Online .I have not taken this loan since no payslips.I was not having any issues with the rate of interest ad the processing fee.The agent shared all the relevant details about the loan process .The service was satisfied when applied for this loan.
      Was this review helpful? 0
      , patiala
      Reviewed on Dec 03, 2019
    • HDFC Bank Personal Loan
      "Not satisfied "
      0.5 1.0/5 "Really Bad"
      I have applied for HDFC Bank personal loan through Online .But I have not taken this loan since procedures are more .I have got information as need to provide bank statement and later intimated as need to submit salary slip and after that got an update as need to submit some extra documents again hence not process for further. I was not having any issues with rate of interest .The agent has given all relevant details about the loan process.
      Was this review helpful? 0
      , patiala
      Reviewed on Nov 08, 2019
    • HDFC Bank Personal Loan
      "Average Service"
      0.5 1.0/5 "Really Bad"
      I have applied for HDFC Bank personal loan through Online .I have not taken this loan since there was no requirement.I have got all the details about the loan process very clearly through the agent.I have not got any information about the rate of interest .I have not submitted any of my documents for this loan.
      Was this review helpful? 0
      , patiala
      Reviewed on Oct 24, 2019
    • HDFC Bank Personal Loan
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I have applied for HDFC Bank personal loan through Online .I have not availed this loan since it was not processed from bank end .I have not submitted any of my documents,The agent gave all the information about the loan process ,I have got all the information abut the loan process very clearly through the agent.
      Was this review helpful? 0
      , patiala
      Reviewed on Oct 13, 2019
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 2.0/5 "Expected more"
      I have applied for HDFC Bank personal loan through Online .I have not availed this loan since the rate of interest was high .The rate of interest will vary once apply and it will be different if receive callback from bank end that is the only drawback.I have got a clear picture about the loan process and also submitted the required documents as well.
      Was this review helpful? 1
      , patiala
      Reviewed on Sep 24, 2019
    • HDFC Bank Personal Loan
      "Average Service"
      0.5 4.0/5 "Great!"
      I have applied for HDFC Bank personal loan through Online .I have not availed this loan since there was no requirement and the rate of interest was high .I have not submitted any documents .I have got a clear view about the loan through the agent .There was proper callback and follow up from bank end.
      Was this review helpful? 0
      , patiala
      Reviewed on Sep 21, 2019
    • HDFC Bank Personal Loan
      "cheaters "
      0.5 1.0/5 "Really Bad"
      I choosen selected HDFC personal loan amount 1.20 lakhs Rate of interested 18 percentage is high , tenure 2 years based on my credit card no need to submit any documents to them. Just checking the eligibility about Rate of interest all details in website OTP is not received is not secure .i didnt receive any calls from banker end suddenly it got loan amount credited to my account .Customer service is not good and responsive.
      Was this review helpful? 0
      , patiala
      Reviewed on Aug 05, 2019
    • HDFC Bank Personal Loan
      "HDFC is a good brand"
      0.5 3.0/5 "Satisfactory"
      I have a bank account with HDFC thats why i have chosen HDFC for my personal loan also. HDFC services is quite good. They have provided me a interest rate of 15% and actually it was not okay for me because i got the lesser rate of interest from other bank hence i have rejected the loan from my end. There is a separate terms and conditions are there for a bank.
      Was this review helpful? 0
      , patiala
      Reviewed on Jul 05, 2019
    • HDFC Bank Personal Loan
      "Easy loan approval"
      0.5 5.0/5 "Blown Away!"
      I have applied a Hdfc bank personal loan. The loan amount was Rs. 490000.I have not submitted any documents to the bank.I have changed my mind not to apply loan so it got rejected from bank end. Customer service and responsiveness is really good.
      Was this review helpful? 0
      , patiala
      Reviewed on Mar 19, 2019
    • Capital First Personal Loan
      "Good service "
      0.5 5.0/5 "Blown Away!"
      I had requested for a personal loan with capital first for a loan amount of four lakhs. The Rate of interest is very high as compared to other banks.I have postponded my plan may be in the near future I might opt for their service hence closed my application. Customer service has responded well on time.
      Was this review helpful? 0
      , patiala
      Reviewed on Nov 01, 2017
    • ICICI Bank Personal Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      My personal loan was taken with ICICI bank few months back. The rate of interest was 13% for 1.25 lakhs which is average in the market. The EMI period was 4 years. I am not satisfied with the loan process because they did not respond to my mails and process was slow. Here the pro closer is after 6 months but its 4% and 1.5% for processing fee. The customer service and responses was not up the mark.
      Was this review helpful? 0
      , patiala
      Reviewed on Oct 30, 2017
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My personal loan is with HDFC 1 years back. I have taken 3.5 lakhs and the rate of interest was 11.75% which was average and the EMI period was 5 years. Here I had a very convenient loan process and they have provided door step service for collecting documents. The pre closuer is after 6 months and 1% for processing fee.My overall experience was excellent here.
      Was this review helpful? 0
      , patiala
      Reviewed on Oct 30, 2017
    • ICICI Bank Personal Loan
      "Bad service"
      0.5 1.0/5 "Really Bad"
      I have approached ICICI bank for my personal loan. I was looking for 2 lakhs and the rate of interest was between 13-14% which was high in the market. I am completely disappointed with their customer service and response since there was no calls and responses from the bank . My over all experience was bad and not recommendable also.
      Was this review helpful? 0
      , patiala
      Reviewed on Oct 30, 2017
    • SBI Personal Loan
      "GOOD "
      0.5 4.0/5 "Great!"
      Over all it was a great service and an exellent service i am receiving from the bank when i applied for the personal loan in STATE BANK OF INDIA . The customer service was really good from the bank side. The only problem i had was the process took too much of exta time rest every thing was real good .
      Was this review helpful? 0
      , patiala
      Reviewed on Sep 26, 2017
    • Axis Bank Personal Loan
      "average"
      0.5 2.0/5 "Expected more"
      The all over experience and the service i had with AXIS BANK for the personal loan didn't go that well as i expected it will be . i asked a loan ammount of 6lakhs but the AXIS BANK approved me a loan for 3 lakhs only and also the rate of interest was 12.49% and there was no processing fee .
      Was this review helpful? 0
      , patiala
      Reviewed on Sep 26, 2017
    • HDFC Bank Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      It was a great service and experience i from the HDFC BANK side for my Personal loan i applied for . actaully before i applied for the personal loan over here i applied it in another bank it got apporoved faster over there so went on with a that option. So is the reason i did not take the personal loan .
      Was this review helpful? 0
      , patiala
      Reviewed on Sep 26, 2017
    • SBI Personal Loan
      "DISSATISFIED"
      0.5 2.0/5 "Expected more"
      I have an salaried account here at SBI so getting better service and the interest rate I thot it will minimum SBI Bank offered me a personal loan with 14% I would suggest them to reduce that interest part but On the promised time I received the loan amount. I had taken this loan in 2014.
      Was this review helpful? 0
      , patiala
      Reviewed on Sep 24, 2017
    • ICICI Bank Personal Loan
      "No proper service"
      0.5 1.0/5 "Really Bad"
      I could say that I had not received a good response from the bank and my expectation is not fulfilled. I thought to take a personal loan so I decided to go with ICICI bank. Whenever I tried to reach the ICICI people, they did not pick up the call and there was no service at all for my loan application.
      Was this review helpful? 0
      , patiala
      Reviewed on Aug 14, 2017
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