Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 33 Pune Personal Loan
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    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 17.99%
    0 Bankbazaar Exclusive
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
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    10.99% - 25% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    14.99% - 14.99% Fixed
    Up to 2% One time fee
    20L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    16% - 28% Fixed
    2% - 5%
    50K - 7.5L
    1-4 Years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    10.99% - 21.25% Fixed
    Up to 2.5% One time fee
    40L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    Customer Reviews
    11.5% - 13.5% Fixed
    1% + applicable tax One time fee
    2L - 25L
    1-5 Years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    11% - 16% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    11.00% - 18.25% Fixed
    From .75% (min. ₹999 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    Customer Reviews
    10.99% - 18.15% Fixed
    Up to 2.5%
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    12.49% - 33% Fixed
    6.0% One time fee
    15L Max
    1-4 Years
    Response Time : Within 30 minutes
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    10.99% - 14.49% Fixed
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    1-5 years
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    13.49% - 19.99% Fixed
    Up to 2%
    Upto 25L
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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  • Pune Personal Loan is Rated as "Great!" by 5228 Users

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    Promised Interest Rate

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    Personal Loan BYTES FROM OUR KITCHEN

    Pune Personal Loan

    Pune is a peaceful city in the state of Maharashtra with a population of around 31.2 lakh. It is located on the Deccan Plateau. The city is famous for its academic institutions and business entities. It attracts many tourists with its historical places and nearby hill stations.

    If you are interested in taking a personal loan for any of your financial needs, you can apply for one from a bank or a non-banking financial company (NBFC). You may obtain a personal loan through online or offline modes in Pune.

    Online personal loan applications are very beneficial as you can compare rates of interest, processing fees, prepayment fees, etc. and then make a judicious decision. You will also be able to calculate your EMIs and then choose your loan amount appropriately. If you want to apply offline, you can go to a branch directly and get the application process done.


    You’re probably eligible for an Pune Personal Loan if you are

    01
    02
    03
    04
    Pune Personal Loan Minimum Age

    At least 21 years old

    Pune Personal Loan Maximum Age

    Less than 65 years old

    Pune Personal Loan Eligible Employment Type

    Salaried / Self – Employed
    with regular income

    Pune Personal Loan Minimum Income

    Earn more than the minimum
    income required


    Your Pune Personal Loan amount eligibility is based on these factors

    01
    02
    03
    Pune Personal Loan Minimum Salary

    Minimum income required
    Rs.17,500 per month

    Pune Personal Loan Maximum Loan Funded

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

    Pune Personal Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Pune Personal Loan amount by these steps

    01
    02
    Pune Personal Loan Payoff Outstanding Credit Card Bills

    Pay off your credit card bills

    “Pune

    Choose longer tenure loan up to 5 years


    Documentation needed to apply for an Pune 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

    Pune Personal Loan Interest RatesUpdated on 22 Sep 2018

    Pune 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
    Apply for Personal Loan

    Personal Loan in Pune

    For those residing in Pune, they can avail a personal loan from any of the top banks and NBFCs in the city. A personal loan can be availed by individuals to clear debts, fund an extravagant holiday, and pay for medical emergencies and so on. Before choosing a loan, it is imperative to loan shop to find one that suits your financial situation - taking into consideration the interest rate, the EMIs, debt-to-ratio and so on. When loan shopping, customers can facilitate the use of financial portals such as BankBazaar. On the BankBazaar website, customers can compare loan offers by its partner banks and quickly come to a decision.

    Personal Loans offered by Various Lenders in Pune

    A few of the top lenders that offer personal loans in the city of Pune include:

    • Fullerton India
    • Bank of Punjab
    • UCO Bank
    • IndusInd Bank
    • Kotak Mahindra Bank
    • Oriental Bank of Commerce
    • State Bank of India (SBI)
    • Bank of Maharashtra
    • The Bank of Rajasthan
    • Indian Overseas Bank
    • ING Vysya Bank
    • Standard Chartered Bank
    • Dena Bank
    • Deutsche Bank
    • Tata Capital
    • Citibank
    • Andhra Bank
    • IDBI Bank
    • Aditya Birla
    • Vijaya Bank
    • ICICI Bank
    • Axis Bank
    • HDFC Bank
    • Syndicate Bank
    • Punjab National Bank
    • Corporation Bank

    How do I get a Personal Loan with the lowest interest rate in Pune?

    When deciding on which loan to avail, it is important to look at all the components of the loan prior to narrowing down on a particular loan. For those looking to reduce the interest rate added on a loan, they must look into the below mentioned areas that affect the interest rate of a loan.

    Credit score - Ensuring that your credit score it optimum when applying for a loan is vital. Having a good credit score will result in the bank reducing the interest rate on a loan and vice versa.

    Down payment - Making a down payment upwards of 20% of the loan amount will result in you availing a loan with a lower interest rate.

    Debt-to-income ratio - When availing a loan from a bank or an NBFC, it is important to ensure that your debt-to-income ratio does not surpass 40%-50% of your monthly net income. If it does, you stand a chance of your loan being rejected or having a higher interest rate added on your loan.

    Look for the best possible choice - Facilitating the use of financial portals such as BankBazaar will give you the ability to compare loan offers from its partner banks and choose one that suits your financial status.

    Employment and experience - Working for a reputed firm or company and having a number of years of experience increases your chances of availing a loan at the best interest rate possible.

    Negotiate - Most customers blindly accept the offer laid down by the bank with regard to a personal loan. Ensuring that you make a negotiation to get the best price on your loan is a necessity.

    Tenure - Keeping the tenure short will only reduce the interest rate and vice versa.

    Personal Loan Interest rates in Pune 2018

    Bank Interest Rate Range Processing Fee Range Loan Amount Tenure
    ICICI Bank 11.59% - 18.49% (Fixed) 2.25% (min. Rs.1149) One time fee Rs.20 lakh (Max) 1-5 Years
    CitiBank 10.99% - 15.99% (Fixed) 1% to 2.5% Rs.30 lakh (Max) 1-5 Years
    Kotak Mahindra Bank 11.49% - 20.15% (Fixed) Up to 2% Rs.15 lakh (Max) 1-5 years
    Fullerton 17.25% - 37% (Fixed) 1.5% to 6.0% (One time fee) Rs.15 lakh (Max) 1-4 Years
    Bank of Baroda 11.35% - 14.35% (Fixed) Rs.1,000 to Rs.10,000 (One time fee) Rs.20,000 - Rs.2 lakh 4 Years (Max)
    State Bank of India 12.90% - 14.90% (Fixed) 1% (One time fee) Rs.24,000 - 15 lakh 5 Years
    Aditya Birla 11.5% - 13.25% (Fixed) Nil Rs.30 lakh (Max) 1-5 Years
    Allahabad Bank 13.10% (Fixed) 1.22% (One time fee) Rs.50,000- Rs.7.5 lakh 1-5 Years
    Yes Bank 14% (Fixed) Up to 2% (One time fee) Rs.20 lakh (Max) 1-5 Years

    Salary requirements to avail Personal Loans in Pune

    The first thing that banks and NBFCs look into before accepting a loan application is the monthly or annual income of the applicant. While going through the other components of the loan, it is important to cross check the salary requirement of that particular loan. The salary requirement fluctuates between banks and loan plans.

    For salaried individuals - The salary requirement ranges roughly between Rs.7,500 and Rs.50,000 for salaried employees.

    For self-employed individuals - Self-employed have to show proof of their income over the last couple of years when applying for a loan. Generally, an annual profit of Rs.1 lakh to Rs.2 lakh is the basic salary requirement for self-employed individuals.

    Pune Personal Loan FAQs

    1. Can I apply for a loan if I already have an existing one?

      You can as long as you have a balanced debt-to-income ratio.

    2. Will the loan amount be disbursed in stages or all at once?

      The loan will be disbursed all at once when the loan is approved.

    3. What affects the credit score of an individual in most cases?

      Failing to pay your loan dues and your credit bills in time results in your credit score dipping below optimum. A good credit score is anything above 750.

    4. How long should I wait before I make a prepayment? Can I make a complete prepayment?

      Some banks and NBFCs allow you to make a complete foreclosure of the loan while some only allow a partial prepayment. In most cases, you would have to wait at least 6 months to make a loan prepayment. Most banks and NBFCs charge a prepayment fee of 1-2% on the outstanding balance.

    5. Are the interest rates on personal loans the same between all banks?

      No, it differs from bank to bank.


    Check For Latest: Gold Rate in Pune Or Silver Rate in Pune

    Pune Personal Loan Reviews

    • HDFC Bank Personal Loan
      "good service"
      0.5 5.0/5 "Blown Away!"
      My jumbo loan was taken with HDFC BANK , their tenure period is 4year . The best part is processing fee is free with this bank and rate of interest is 1.3% which is nominal in the market . There is option preclosere with 3% on principal amount . Overall it is good to have HDFC BANK.
      Was this review helpful? 1
      , pune
      Reviewed on Sep 19, 2018
    • Aditya Birla Finance Personal Loan
      "Very Bad Experience with ABFL"
      0.5 0.5/5 "Unacceptable"
      1. Fake commitment of 30 min. disb. 2. Irritate by sending lots of sms and emails of remainder. 3. Breaks privacy by sending bank details in sms and email. 4. No reply from customer care email. 5. After regular payment we will get an overdue emi sms.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 19, 2018
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have been using BANK BAZAAR for many months . I am not a regular user, I have applied for a personal loan via Bank Bazaar. Bank bazaar needs to filter the list suggested to the customers based on the requirements as per customer needs and requirement.
      Was this review helpful? 1
      , pune
      Reviewed on Sep 16, 2018
    • IDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My loan amount was taken with IDFC BANK , the process of getting loan was delayed they promise to get in 3 days but got after 20 days . They offered 11.5% of rate of interest and it is nominal in the market . Loan amount was 300000 and it is sufficient to me and tenure period is 5 years.
      Was this review helpful? 2
      , pune
      Reviewed on Sep 16, 2018
    • Bank Bazaar Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been quite a good experience i had with Bank Bazaar so far and whenever i check in their website they had been making immediate response. I had been using their service for a very long time had been using the website of them and it has been easy in using it. Their customer support also had been making an appropriate response during the whole process in getting the loan.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 14, 2018
    • Bank Bazaar Personal Loan
      "Excellent Service"
      0.5 4.5/5 "Excellent!"
      It was a good experience i had with Bank Bazaar so far and i had started using it recently. I had been using the website of them and it has been easy in using it. Their customer support also had been responsive and the best thing about them is that they had been giving good suggestions.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 12, 2018
    • Incred Personal Loan
      "Very Good Service"
      0.5 4.0/5 "Great!"
      The process in getting this loan has been smooth and easy and the loan amount which they had provided also had been satisfactory as well. The interest rate which they where charging had been average when compared with the market rate. There has not been any hassles and their staff responses also had been good as well.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 12, 2018
    • Bank Bazaar Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with bankbazaar so far, they provide good services when compared to others in the market. Customer service was good with bankbazaar and their response was on time. Website of bankbazaar is easy to navigate and is user friendly to use.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 12, 2018
    • Kotak Personal Loan
      "Looking for less interest rate"
      0.5 4.0/5 "Great!"
      My personal loan application was approved with Kotak Mahindra bank and my experience was good, the process was smooth and i received my loan amount in 10 days. The rate of interest was nominal when compared to others. Customer service was good and they responded on time.
      Was this review helpful? 1
      , pune
      Reviewed on Sep 12, 2018
    • Bank Bazaar Personal Loan
      "good service"
      0.5 4.0/5 "Great!"
      Mainly i use BANK BAZAAR services to compare the banking products even i can compare the cards and i can get the best one .The best part of this website there will be more option and i can choose my product as per my convenient . Customer service and their response is very good and they are helpful to me .
      Was this review helpful? 0
      , pune
      Reviewed on Sep 12, 2018
    • HDFC Bank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have taken personal loan through HDFC BANK , i am disappointed with rate of interest initially they said it was 11.09% but later they charge 11.24% . They offered 977000 of loan but i was expecting 1000000 so it is disappointing part . There is no annual fee with this card .
      Was this review helpful? 1
      , pune
      Reviewed on Sep 12, 2018
    • Citibank Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      My personal loan amount was taken with CITI BANK , the customer support is excellent with this bank , i can connect them easily with them . The tenure period is 4year and loan amount is up to the mark . They provide interest rate with 11.75% initially the said 11.05% so i am not happy with interest rate .
      Was this review helpful? 0
      , pune
      Reviewed on Sep 12, 2018
    • Bank Bazaar Personal Loan
      "BEST SERVICE"
      0.5 5.0/5 "Blown Away!"
      BANK BAZAAR provides the best service for me because i never expected this much soon i will receive my credit card through this bank , i did not face any issue at the time of documentation . Website and mobile application is very easy to use with bank bazaar.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 11, 2018
    • Incred Personal Loan
      "BEST SERVICE"
      0.5 5.0/5 "Blown Away!"
      I have got my personal loan through INCRED INSTITUTION , they charge processing fee with rs 7000 and tenure period is 4year . The rate of interest is too high with this bank it is 17% and they provide sufficient loan amount . Customer support is good and they provide preclosere option with this bank .
      Was this review helpful? 3
      , pune
      Reviewed on Sep 11, 2018
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have been using BANK BAZAAR platform for the past 6 month . The process is too quick with bank bazaar after applying for the loan within 1 week i got my loan this is best thing about bank bazaar . Customer support is very friendly and helpful , they respond well on time.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 11, 2018
    • Incred Personal Loan
      "AVERAGE"
      0.5 4.0/5 "Great!"
      I have got my personal loan through INCRED INSTITUTION, rate of interest is too high initially website show 18% but while getting g loan they gave 28% . And even i have applied loan amount for 130000 but i jut got 150000 so i am not happy with this bank . Their processing fee is 7500 including GST and insurance .
      Was this review helpful? 0
      , pune
      Reviewed on Sep 11, 2018
    • Bank Bazaar Personal Loan
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have been using the Bank Bazaar services for a while. I have taken my personal loan via bank bazaar and the process of getting loan was too quick within few days i got my loan , i did not have to spent much time to get loan not even i have to step out of my door .
      Was this review helpful? 0
      , pune
      Reviewed on Sep 11, 2018
    • Incred Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken my personal loan with INCRED INSTITUTION , customer support is quite helpful and transaction was very hassle free with this bank and rate of interest is too high with this bank compare to other . Loan amount is up to the mark and they charge 7000 rs of processing fee . I ma not aware about preclosure option with this bank .
      Was this review helpful? 0
      , pune
      Reviewed on Sep 11, 2018
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken my credit card via BANK BAZAAR . The customer service and responses was very good. This is my first experience here and i use the website which is quite satisfactory . The web portal's accuracy and speed is good so i would like tor recommend to others.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 11, 2018
    • IndusInd Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken my personal loan with INDUSIND BANK. The loan amount was1,50,000 and the interest rate was not good. The customer service and responses was up to the mark.There is no delay and the process was on time. The tenure period was 5 years and their processing fee was also nominal.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 11, 2018
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