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    Personal Loan Interest Rates 2019

    Particulars Interest Rate and Other Charges Applicable
    Interest rate 10.99% to 24% p.a.
    Processing fee 0 to 5% of personal loan amount
    Type of interest rate Fixed or floating
    Loan amount Rs.1 lakh to Rs.30 lakh
    Loan tenure 1 to 5 years
    Preferred credit score 750 or above
    Pre-closure fee NIL to 4% of principal outstanding loan amount
    Interest on late payment 24% p.a.
    Amortization schedule charges Rs.200 to Rs.250 for each schedule along with applicable GST
    Foreclosure or pre-payment statement charges Up to Rs.100 along with applicable GST
    Loan cancellation charges Up to Rs.3,000 (Sometimes, customer will be asked to pay interest from loan disbursement date until loan cancellation date
    Repayment mode swap charges Rs.500 along with applicable GST
    Duplicate No Objection Certificate (NOC) or No Due Certificate (NDC) For each NOC: Up to Rs.500 For each NDC: Up to Rs.200 (Along with applicable GST)
    Account statement charge Rs.200 to Rs.250 plus applicable GST
    EMI bounce charge Rs.400 to Rs.450 plus GST
    Duplicate prepayment statement charges Rs.200 plus GST
    Stamping charges At actuals

    The table mentioned above displays the interest rate and other charges associated with personal loan effective from 6 June 2018.

    Note: These rates can change as per different bank's updates.

    While personal loans are a great way of receiving financing for any any short-term requirements, the interest rate and other charges associated with it are usually dependent on the type of credit facility availed. The rate of interest for personal loans in India can range from as low as 10.99% p.a. to as high as 24% p.a. or even more depending on multiple factors. Some of the key elements which determine the interest rate offered by a lender to a borrower are:

    • Credit history of the applicant along with his/her repayment history
    • Applicant’s net annual income
    • Credit score of the borrower
    • Relationship with the bank
    • Current employer’s reputation
    • Stable source of income
    • Debt-to-income ratio
    • Individual negotiation skill

    Personal Loan Interest Rates from Top Banks (Updated on 20 Feb 2019)

    Bank Name Personal loan interest rates
    Aditya Birla Finance Personal loan
    • Short-term Reference Rate: 16.85% p.a.
    • Long-term Reference Rate: 17.85% p.a.
    Capital First Personal loan 12% to 18%
    CitiBank Personal loan 13% to 14.50% p.a. (Instant loan)
    Fullerton Personal loan 20% to 49% p.a.
    HDBFS Personal loan 14.99%
    HDFC Bank Personal loan 15.50% to 21.50% p.a.
    ICICI Bank Personal loan 10.99% to 19% p.a.
    IndusInd Personal loan 11.25% onwards p.a.
    India Infoline Finance Ltd 13% onwards p.a.
    Kotak Personal loan 10.99% to 24% p.a.
    Oriental bank of Commerce One Year MCLR + 2.75%
    Standard Chartered Bank Personal loan 10.99% to 14.49%
    Tata Capital Personal loan 11.50% to 17.25%

    When you are facing a short-term financial crisis, you can receive the required funds you need quickly through a personal loan. The borrower does not have to provide the reason towards the expenditure of this type of a loan. Therefore, it can be availed for numerous reasons such as medical bill payments, wedding expenses of self or a family member, education fees, home renovations, vacation expenses, etc. Here are a few significant features that will prove that taking a personal loan for any of your requirements is a great idea.

    • Personal loans are quick and easy and hence can be availed without any hassle.
    • Banks generally do not ask for any collaterals or guarantors while approving these loans Therefore, borrowers have to provide minimal documents to secure them.
    • Personal loans offer great and competitive interest rates which do not weigh you down too much.
    • These loans have a comfortable repayment period and can be broken down into several small EMIs making them easier on your pocket.
    • Availing personal finance for your various needs means that you do not need to spend via your credit card. Since the interest rate of credit cards is usually much higher than that of personal loans, this translates into huge savings in the long run in terms of the amount paid as interest.

    Given below are details of Personal Loan Interest Rates of a few top banks of the country.

    SBI Personal Loan Interest Rates

    State Bank of India (SBI) is the apex nationalized bank of the nation. The bank has several personal finance solutions to its credit and SBI Personal Loan Interest Rates are quite competitive and varied as per its customers’ requirements. A few of these personal loans are listed below along with the rate of interest applicable for each of these loan schemes as on June 2018.

    • Xpress Credit Personal Loan: This personal finance scheme from SBI is aimed at fulfilling all your urgent financial needs be it for your sudden needs or planned vacations. This loan offers customers the option to choose between a term loan and an overdraft facility based on their requirements and situation. See the table below to learn about the features and interest rates offered by SBI under this scheme:
    Minimum Income Requirement Rs.5,000
    Minimum loan amount Minimum: Rs.25,000
    Maximum: 24x NMI subject to a maximum of Rs.15 lakh
    Overdraft Minimum: Rs.5 lakh
    Maximum: 24x NMI subject to a maximum of Rs.15 lakh
    Maximum repayment period 60 months
    Processing fees 1% of the loan amount plus service tax as applicable
    Prepayment charges 3% of prepaid amount
    Interest rate 12.05% to 15.05%
    • SBI Pension Loan:This loan is granted to those who are pensioners of the Central/State Government or have served the defense forces of the country, and are receiving a monthly pension from the government. This personal loan is sanctioned to applicants who are less than 76 years of age. Check out the table below to learn about the features and interest rates offered by SBI under this scheme:
    Loan amount Minimum of Rs.25,000 for Central and State Government Pensioners
    Minimum of Rs.25,000 for Defence Pensioners
    Minimum of Rs.25,000 for family pensioners
    Age and Repayment Period For Central and State Government Pensioners:
    • Up to 72 years of age: 60 months
    • Over 72 years and under 74 years: 48 months
    • Over 74 years but under 76 years: 24 months

    For Defence Pensioners:
    • Up to 56 years of age: 84 months
    • Over 56 years and under 72 years: 60 months
    • Over 72 years and under 74 years: 48 months
    • Over 74 years and under 76 years: 24 months

    For family pensioners:
    • Up to 72 years of age: 60 months
    • Over 72 years and under 74 years: 48 months
    • Over 74 years but under 76 years: 24 months
    Prepayment charges 3% of prepaid amount
    • Xpress Power: These are unsecured personal loans offered to salaried employees who do not maintain a salary account with the State Bank of India. Employees who work with the Central Government or State Governments or defence establishments or PSUs or quasi government bodies or select rated corporates or educational institutions of national repute can avail these loans. Here are some of the key features of this loan:
    Loan amount
    • Minimum of Rs.25,000
    • Maximum of 24x of NMI subject to a maximum of Rs.15 lakh
    Overdraft
    • Minimum of Rs.5 lakh
    • Maximum of 24x of NMI subject to a maximum of Rs.15 lakh
    Processing fee 1% of the loan amount plus tax as applicable
    Maximum repayment period 60 months
    Interest rate 12.15% to 13.80%

    HDFC Personal Loan Interest Rates

    Not only is the application process of the personal finance scheme offered by HDFC Bank is simple and hassle-free, but the loan disbursal under this plan is also extremely quick. This scheme requires minimum documentation and HDFC Bank Personal Loan Interest Rates are also very attractive. This loan scheme offers zero hidden charges with nominal processing fees and convenient repayment options.

    The interest rates of HDFC Bank Personal Loans are competitive with respect to other banks offering personal loans and ranges between 15% and 20.99% p.a. for salaried individuals on a monthly reducing basis.

    HDFC Bank personal loans also offer life protection cover of up to Rs.8 lakh for accidental hospitalization and up to Rs.1 lakh for death or permanent disability of the loan borrower.

    A few important features of HDFC Bank personal loans are mentioned below:

    • Highly competitive rate of interest
    • Special privileges for HDFC Bank account holders
    • Loan eligibility can be checked online
    • Get a personal loan in as less as 1 day if you have all the documents in place
    • Convenience of interacting with the customer care center via a host of available options including phone calls, chats, emails etc.
    • Simple documentation
    • Transparency of fees and other charges
    • Credit Shield cover equal to the balance loan amount

    The following are the fees and charges of HDFC Bank personal loans:

    Interest rate Salaried - 15.50% TO 21.50%
    Loan processing charges Up to 2.50% of the loan amount, subject to a minimum of Rs.1,999 and Maximum of Rs.25,000/- for Salaried Customers.
    Prepayment Salaried- No pre-payment in part or full is allowed until repayment of 12 EMIs
    Part Payment is allowed for up to 25% of the outstanding principal. It is permitted only once per financial year and twice over the course of the loan tenure.
    Pre-payment charges

    Part Payment Charges
    Salaried – 13 months to 24 months: 4% of outstanding principal
    25 months to 36 months: 3% of outstanding principal
    >Over 36 months: 2% of outstanding principal

    ICICI Personal Loan Interest Rates

    Personal Loan Interest rates

    ICICI Bank offers customised personal loans to its customers at attractive interest rates based on the benchmark 1-year Marginal Cost of funds-based Lending Rate (MCLR). This means that a customer can choose the amount of loan depending upon his requirement. The interest rates offered by ICICI Bank to a customer opting for a personal loan depends on numerous factors such as income, credit score, etc. The ICICI Bank Personal Loan usually varies from 10.99% p.a. to 19% p.a. The loan amount depends upon the nature of employment of the applicant. A few benefits of ICICI Bank personal loans are:

    • Attractive interest rates
    • Simple documentation
    • Direct credit of amount through online channels
    • Quick processing of loan
    • Simple payment options via a host of different payment channels like ECS, AD or PDC
    • Loan tenure can be chosen by the customer depending upon his/her repayment capacity
    • Fixed rate of interest which is on a monthly reducing basis
    • No security or collaterals are required to be submitted

    The following are the rates and charges applicable to ICICI Bank personal loans:

    Interest rate Minimum: 10.99% p.a. Maximum 19% p.a.
    Loan Processing Charges / Origination Charges (Non-Refundable) Up to 2.25% per annum of loan amount plus GST
    Prepayment Charges 5% per annum of outstanding principal plus GST
    Additional Interest on late payment 24% per annum
    Repayment Mode Swap Charges Rs.500/- per transaction plus GST
    Loan Cancellation Charges Rs.3,000/- plus GST
    EMI Bounce Charges Rs.400/- per bounce plus GST

    Axis Bank Personal Loan Interest Rates

    Axis Bank offers great features and benefits on its personal loans. Be it your child's education or a family wedding, you need not worry about the extra cash that you might require for urgent needs. Axis Bank Personal Loan interest rates are also quite competitive and attractive. A few highlights of Axis Bank Personal Loans are:

    • Low processing charges
    • Loans available for salaried customers
    • Loan amount ranging from Rs.50,000 to Rs.15 lakh
    • Highly competitive interest rates
    • Hassle-free application procedure
    • Simple documentation

    See the table below to learn about Axis Bank Personal Loan Interest Rates:

    Interest rate 15.75% to 24% p.a.
    Loan processing charges 1.50% to 2% plus GST as applicable
    Cheque bounce charges Rs.500 per cheque bounce plus GST as applicable
    Cheque/instrument swap charges Rs.500 per instance plus GST as applicable
    Foreclosure/prepayment charges Nil

    Things to note before availing personal loans

    While opting for a personal loan is helpful when you are in urgent need of funds to meet your short-term financial crisis, there are a few things that you should keep in mind before applying this loan. Below mentioned are the points to note before applying for a personal loan:

    • Check the rate of interest offered by the lender prior to the loan application and verify the hidden charges such as processing fee, repayment mode charges, amortization charges, late payment fees, etc. to avoid any future surprises.
    • Check your credit score beforehand to get a fair idea of your loan eligibility so that the lending entity isn't able to take advantage.
    • Unsecured loans generally offer lower loan amounts with a higher interest rate since the borrower does not need to provide any collateral.
    • Go for a secured loan in case the loan amount sought is more but only if you are sure you will be able to pay back within the stipulated tenure.
    • Check if there are any prepayment charges and whether you are comfortable with those.

    Factors Affecting Personal Loan Interest Rates

    Getting a personal loan is very simple and quick. You need not specify your intention for taking a personal loan. Also, your lender will process your loan application in a very short period of time without causing much trouble to you.

    However, you need to be cautious about the interest rates when it comes to personal loans. These interest rates are provided depending on various criteria. For other loans such as car loans and home loans, the interest rates are flat in nature.

    Your personal loan interest rates can be impacted by numerous factors:

    • Your credit history and credit score: A key element that plays a significant role in determining your personal loan interest rate is your credit score. This is determined by checking your credit history and credit-related behavior. If you have displayed discipline and promptness in paying your full loan in the past then your credit history as well as credit score will be high. To receive an impressive credit score, you will need to make sure you pay each and every installment for your loan or credit card on time. This will help you have a decent credit score resulting in a lower personal loan interest rate. In India, a good credit score is a score that is higher than 750. The score ranges from 300 to 900 where 300 is the lowest limit and 900 is the highest limit.
    • Your income: When you earn a high salary at the company that you work for or at the business that you own, your lender will be of the opinion that you will be able to repay your loan without any difficulty. Lenders prefer applicants who will not miss out on any payment and therefore, it is important to meet the minimum income criteria set by the bank or non-banking financing company (NBFC). When you provide relevant documents as proof of income, your lender will be able to believe in your competency to repay. You can discuss with your bank or NBFC representative for a lower interest rate by showing your income. If you have been moving jobs, make certain that you apply for a personal loan after a substantial amount of gap. It is important that you show a steady flow of income while applying for a new loan.
    • Your relationship with your bank or NBFC: When you apply for a new personal loan, try approaching a bank or NBFC that you have already taken a loan from. You could also go to a bank where you already have a bank account or a savings deposit. You might have already established a good relationship with the representatives at this bank. This will help you secure a good interest rate for your personal loan. Also, your bank would be ready to make adjustments to give you an impressive interest rate to retain you as a customer. Hence, make sure you are a loyal and disciplined customer by making all payments on time.
    • Your employer’s reputation or goodwill: Before sanctioning a personal loan, lenders also check the company that you are currently working at. If you are an employee at any of the top organizations in the country, you might get a lower interest rate since it shows that you have regular source of income. When you are working at any start-up company or a recently established company, your lender may assume that there are chances that you do not have a regular income flow hence you might default on the loan Hence, your lender may charge a higher interest rate. In such cases, you can give proper assurance to your lender that you will be able to repay your loan on time.
    • Your negotiation skills: If you meet the personal loan eligibility criteria properly, you can utilize your personal negotiation skills to receive a waiver or a discount on your interest rates by discussing with your lender. You can give relevant explanations to your lender and then obtain waivers on processing fees and interest rates.

    Types of Interest Rates

    In India, there are chiefly 2 types of interest rates and they include fixed/flat rates and floating/variable rates. Under fixed interest rates, your interest rate will be fixed or locked for the entire loan period. Whether the rate increases or decreases, your rate will remain the same. On the other hand, with a floating or variable interest rate, your rate will depend on the fluctuations in the market. If the same rate of interest goes down in the market then your interest rate will be low. When the interest rate increases in the market, your interest rate will be high.

    Personal Loan Flat or Fixed Interest Rate

    Under this interest rate system, the interest rate does not change during the entire loan period. It is fixed by the lender as per his or her assumptions regarding the average discount rate over the entire loan tenure. The capital value of a fixed rate personal loan is fixed as per the future interest rates that are determined during the computation process.

    Personal Loan Reducing or Variable Interest Rate

    A personal loan with a variable or reducing interest rate has a rate that changes on a regular basis. This happens as it changes according to the benchmark interest rate that fluctuates over a period of time. When the benchmark interest rate goes down, it is very helpful to a borrower since the interest rate reduces as well. If you anticipate that the interest rate will go down during a particular time frame, you can go for a personal loan reducing or variable interest rate. A reducing or variable interest rate is also known as an adjustable interest rate.

    Interest Rates Based on Collateral or Security

    Based on the requirement for collateral, personal loans can be categorised into two types - secured and unsecured. When a customer opts for a secured personal loan, he or she has to provide a collateral to receive the required funds. This collateral or security offers lenders the guarantee that the borrower will repay the loan on time. In case of default, the lender will gain complete rights over the collateral. Due to this reason, secured loans are low-risk schemes and therefore, lenders usually offer a lower interest rate for such loans.

    On the other hand, when a customer chooses an unsecured loan, he or she is not under any obligation to provide a collateral or security. Therefore, the risk associated with such schemes are comparatively higher than that of secured loans. This usually translates to a higher interest rate on unsecured personal loans.

    Personal Loan Prepayment

    Prepayment is the process of repaying a loan early. If you have a sudden inflow of cash, you can opt for this facility to repay your loan before the loan tenure ends. You can choose to prepay a loan installment, a part of the total debt, or your entire loan. This can help you avoid any debt situation in the future as the chances of you defaulting will be significantly reduced.

    When you make a personal loan prepayment, your lender might levy an additional charge as prepayment fee since you are clearing the loan before the official due date.

    When you make a personal loan prepayment, your loan tenure will decrease with your existing EMI or your loan your current EMI amounts will go down for the rest of your loan tenure. Most banks and NBFCs require that your prepayment amount is at least 3 or 4 times your current EMI.

    Impact on EMIs when you go for Pre-Payment of your Personal Loan

    When you are computing your EMIs, you can enter your pre-payment details for a clear understanding of how the pre-payment will have an impact on your loan expenses.

    You can calculate your EMIs for your personal loan with the help of an online EMI calculator which is available on several third-party financial portals as well as banking websites. You will only need to key in the loan amount, loan tenure, interest rate, and the processing fee for your personal loan. If you are planning to pre-pay your loan, you can enter those details also.

    You can check out the BankBazaar personal loan EMI calculator which is very user-friendly. When you plan to make a pre-payment, you can open the BankBazaar personal loan calculator and then enter information about pre-payment. You will need to key in your pre-payment frequency, your pre-payment amount, your pre-payment fee, and click on any of the drop-down options against the ‘Pre-payment applies to’. The options include ‘Final pre-payment made’, ‘Sum of all pre-payments’, ‘Sum of pre-payments made in last year of the loan.

    You will get results for your EMIs and then you can decide your loan amount and loan tenure accordingly. You can also decide how much you want to pre-pay for each installment or for your full loan period.

    How to Get Better Interest Rates on Personal Loans

    Before you finalize on any one personal loan option, you can follow a few simple guidelines to get better interest rates than the ones that have already been offered to you.

    • Do a proper comparison of the various loan options: Most banks and NBFCs provide multiple personal loan schemes. You can use third-party financial websites and official websites of banks to perform thorough comparisons to zero in on the best option available in the market. This way, you can pick a plan that suits your requirement and situation along with a decent interest rate.
    • Get the help of a co-applicant if you have a bad credit score: If you have a poor credit score, you need not worry that your personal loan interest rate will be very high. You can take the help of a co-applicant or a guarantor to assure the bank that you will repay your loan on time inspite of your bad credit history. Most personal loans do not require a guarantor. However, if you request them to consider your case, your lender may agree to give you a loan when you have a co-applicant by your side.
    • Clear all your previous dues: Before you apply for a personal loan, make sure that you pay off all your credit card dues and your outstanding amounts of other loans. This way, you can negotiate with your lender and get an excellent loan deal. When your lender makes a random credit check, he or she will get to know that you have made a late payment or that you missed a few payment deadlines. If you do not have any such records, you will get a decent interest rate for your personal loan.
    • Go for a secured personal loan if you have bad credit history: This is a less-preferred option since most people choose personal loans as they are unsecured and do not require any collateral. However, if you have bad credit history and if your lender is charging a very high interest rate, you can offer an asset to your lender as a security or a collateral. This will help you get a reasonable interest rate.

    Before you apply for a personal loan, make sure you have boosted your credit score and that you meet all the eligibility criteria laid by your bank or NBFC. This will assist you in obtaining a good interest rate for your personal loan.

    How to apply for a personal loan:

    Applying for a Personal Loan Interest rate at BankBazaar.com involves three simple steps :

    Step 1: In the first step, the user must fill the Personal Loan Interest rate eligibility form available online with required personal data. Once submitted the Personal Loan Interest rate tool automatically checks for eligibility of the applicant and personalized Personal Loan Interest rate options.

    Step 2: In the second step, the applicant can compare various Personal Loan Interest rate options offered by the tool interface and apply for the best suitable Personal Loan Interest rate.

    Step 3: The last step involves receiving an instant e-approval from BankBazaar.com after successful submission of Personal Loan Interest rate application online.

    The application is sent electronically to the selected bank. The Personal Loan Interest rate department of the concerned bank gets in touch with the applicant directly. Users can check the status of their application through SMS alters as well as emails.

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    Most Recent Articles on Personal Loan Interest Rates

    Fixed and Reducing Balance Interest Rate in Personal Loans

    Personal loan interest rates are classified into fixed interest rates and floating interest rates. Many of you may not be aware of how these different interest rates are calculated. Due to this lack of knowledge, you may end up paying much higher amounts for your loan unnecessarily. Under a fixed interest rate system, the interest rate is fixed when the loan is approved and is charged on the full loan and it remains the same for the loan tenure. Under the reducing balance interest rate or the floating interest rate system, interest is charged only for the unsettled loan amount.

    How is Interest Calculated on Personal Loans?

    A personal loan interest rate is computed by taking many significant factors into consideration. Your lender will check your monthly income, employer details, and credit history. Your salary will directly affect your loan interest rate. If your income is very high, your interest rate will be lower. If you have a good credit history, you will be able to enjoy a good interest rate. Your lender will check out your credit score and determine your interest rate. You will need to bring confidence in your lender regarding your repayment behaviour. Your negotiation skills with your lender will assist you in securing a favourable interest rate.

    How to Get the Best Interest Rate on your Personal Loan?

    A personal loan is one of the best ways to meet your multiple financial requirements. It is easily available and requires minimum documentation work. You can compare different personal loan options provided by different banks before you finalise on one. To get an affordable interest rate for your loan, you can follow a few important tips. You will have to make sure your credit history looks good before you apply for a loan. You could work on enhancing your credit report in case it is bad. You should also maintain excellent job stability to get a good interest rate.

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      0.5 4.0/5 "Great!"
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      , mumbai
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    • HDFC Bank Personal Loan
      "Looking for less interest rate"
      0.5 3.0/5 "Satisfactory"
      My personal loan was approved with HDFC bank and it was an average experience, loan amount i requested for Rs 7 lacs but they approved only for Rs 5 lacs. Rate of interest was high when compared to others. Customer service was good and tenure period for this loan is for 5 years
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      , mumbai
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    • Axis Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using my personal amount with Axis bank ,The loan amount they have given me was sufficient,but i am very concern about their credit limit they have charged me up to 20.55% which is too highest compare to other bank, because of emergency purpose they have provided loan, and i have took loan for 4,00,000,it was sufficient.Still this loan is running.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 18, 2019
    • HDFC Bank Personal Loan
      "Best in the market"
      0.5 5.0/5 "Blown Away!"
      I got personal loan from HDFC bank for 12% of interest with 3 years of duration, they gave me so many top ups. But I didn't activate. Based on the pre approved loan,I have taken that loan. I have option to calculate the emi and interest through online banking.
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      , indore
      Reviewed on Feb 18, 2019
    • HDFC Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      My personal loan experience was good with HDFC bank, the process was smooth and i received my loan amount on time. Customer service was good with this bank and their response is on time. I took this personal loan for tenure period of 2 years.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 18, 2019
    • review Personal Loan
      "Normal loan service"
      0.5 4.0/5 "Great!"
      I have taken my personal loan in the year of 2017. They have sanctioned the loan in 2 days. I had a app, i have uploaded all my documents. I have received the call regarding the verification and the same person came to my home too. They have offered me interest rate of 19.5% which is quite high. I'm yet to pay 3 months EMI.
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      , chennai
      Reviewed on Feb 18, 2019
    • IndusInd Bank Personal Loan
      "GOOD"
      0.5 4.0/5 "Great!"
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      , hyderabad
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    • Tata capital Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using my personal loan with TATA CAPITAL, the loan amount whatever i have expected they have given me it is sufficient and the rate of interest they have charged me is up to 16% which is nominal and they have charged any processing fee.Their service is good.Still this loan is running.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 18, 2019
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I had been using with the personal loan from the ICICI BANK . I am satisfied with the services of this bank because they done the process very quick to get the loan also the rate of interest they have charged was nominal.They have charged me up to 16% , and they have charged me processing fee that too was nominal. And i am happy with the loan amount which they have given me .now i have closed this loan.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 18, 2019
    • Kotak Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding my personal loan with KOTAK MAHINDRA BANK, the loan amount they have charged me is sufficient, i have taken loan on behalf of my friend, and the rate of interest they have charged me up to 16% it is bit high, i had negotiated with them, but they have not decrease it, and the processing fee they have charge me was nominal.They have charged me up to 4000,still this loan is running.
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      , secunderabad
      Reviewed on Feb 17, 2019
    • Tata capital Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 17, 2019
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I came to know about bank bazaar service through on line,and i have been using bank bazaar service for first time,and i have been using website ,it is easy to use,and their service is good,but they should bit improve in their service.like they should commit according to the bank.
      Was this review helpful? 0
      , nagpur
      Reviewed on Feb 17, 2019
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been applied for HDFC bank personal loan recently.The loan amount which they have given me was not sufficient.like i have expected more they have given me too less,and the rate of interest they have charged me nominal,they have charged me up to 13%, and they have charged me high processing fee,and there was delay in getting loan amount.
      Was this review helpful? 0
      , nagpur
      Reviewed on Feb 17, 2019
    • Bank Bazaar Personal Loan
      "Single platform providing financial solution "
      0.5 4.0/5 "Great!"
      Providing all kind of products like loans and credit cards.Since 4 years, i have been using this website. I have installed the app in my mobile and i have checked my credit score through the app. While doing the browsing the pop up ad about bankbazaar came on to it. Overall, I'm satisfied with the services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2019
    • Early Salary Personal Loan
      "Immediate loan disbursal from Earlysalary"
      0.5 4.0/5 "Great!"
      Because of the immediate money disbursements i have chosen the earlysalary company. The given interest rates are high based on the loan amount they are charging the processing fee. Documentation process done through physical as well as i have uploaded the documents in app. Total tenure period of the loan is 1 months.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2019
    • Axis Bank Personal Loan
      "Best service"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with AXIS BANK , customer service is up to the mark they follow up so nicely through out the process . They charge nominal rate of interest but they charge good processing fee . Other than that i ma really happy with services . Tenure is 48 month .
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 17, 2019
    • Standard Chartered Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My personal loan was taken with STANDARD CHARTERED BANK , the tenure period is 4year and i use to pay EMI on time . They charge nominal processing fee . It was good, application process was smooth an hassle free. I got the loan amount with in a week. Service is up to the mark .
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 17, 2019
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.5/5 "Excellent!"
      I came to know about bank bazaar service for first time.and i came to know about bank bazaar service through promotional advertisement,Their service is good,their customer care service is good,they use to follow up with me , and i have been using mobile application, it is easy to access.it is user friendly application.
      Was this review helpful? 0
      , amravati
      Reviewed on Feb 17, 2019
    • Capital First Personal Loan
      "Good personal loan services"
      0.5 4.0/5 "Great!"
      In February 2018, purchased my personal loan from Capital First. The offered interest rate was 10% and the processing was a convenient for me. I have selected the tenure period of 48 months. They have approved the loan on time. The customer care service is really fine.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2019
    • HDFC Bank Personal Loan
      "Good loan services"
      0.5 4.0/5 "Great!"
      I just took the personal loan by last year from HDFC. The documentation process was good. They have sanctioned the loan in 1 day. I have applied the loan amount of Rs. 5 lakhs but they have approved for Rs. 1.50 lakhs. They have given me a interest rate of 12% which is okay for me. They have charged me a processing fee of Rs. 2000 approximately. I'm fine with the services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 17, 2019
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