Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 31 Pune Personal Loan

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 15.99% Fixed
    Up to 2%
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 14.49% Fixed
    0
    30L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 19.8% Fixed
    Up to 2% One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.49% - 21.00% Fixed
    0 One time fee
    20L Max
    1-6 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13.99% - 16.99% Fixed
    0 One time fee
    20L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless Approval Option Available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 17.99% Fixed
    2.25% (min. ₹1499 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12% - 18% Fixed
    Up to 1.5% One time fee
    15L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free INSTANT DECISION
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12% - 19% Fixed
    Up to ₹3000 One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.70% - 11.70% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Response Time Within 30 minutes
    Guarantor Required Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    14% - 33% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 17.99% Fixed
    Up to 2.5%
    15L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.75% - 13.75% Fixed
    1% One time fee
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
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  • Pune Personal Loan Reviews

    • Citibank Personal Loan
      "Unhappy with the services"
      0.5 2.0/5 "Expected more"
      I was very disappointed with Citibank when I approached them for a personal loan. Though I am an existing customer for many years, and all my payments goes through smoothly. The bank could not acknowledge my details and give me a response sooner. They delayed to do so.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2017
    • Bank Bazaar Customer Support
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I am very happy with the process of Bankbazaar. The customer support was very helpful. The best I liked was the follow up calls. It was perfect from them as I did not have to do it on my own. The website is comfortable to use and very much informative.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2017
    • Standard Chartered Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      It was extremely a good process and it was well managed as well. Standard Chartered bank has done a good job and it was a on time process as well. I have taken a personal loan and the bank responded immediately to me. I am also okay with the interest rate and processing charges.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2017
    • Bank Bazaar Customer Support
      "Services are good"
      0.5 5.0/5 "Blown Away!"
      It was a nice experience at Bankbazaar.com, the process was simple and the overall services was good. The website is good and very much informative. I was able to find a bank very easily that suited my profile. There were follow up calls and no hassles faced.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2017
    • HDB Financial Services Personal Loan
      "Nice Experience"
      0.5 5.0/5 "Blown Away!"
      The experience is good at HDB financial services. The process was good and I got the disbursement in a week. The disbursement was also as required. The interest rate and processing charges was normal and I found it reasonable as well for the personal loan. Overall a good experience.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2017
    • Bank Bazaar Customer Support
      "Good in Followups"
      0.5 4.0/5 "Great!"
      Bankbazaar made my work simple. I sought an assistance of bankbazaar when I tried to get the loan from the bank. I just submitted my loan application on the website and they transferred it to the bank. It was a proper service from bankbazaar and there was no lack for follow up call.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2017
    • HDB Financial Services Personal Loan
      "Fair Service"
      0.5 4.0/5 "Great!"
      Interest rate is ok and it is nominal for my personal loan from HDB financial services. Their responses and the customer service is quite approachable during the loan process. There was no hassles with HDB for my loan process and they sanctioned it properly.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2017
    • Bank Bazaar Customer Support
      "Future is here"
      0.5 5.0/5 "Blown Away!"
      This is a new door for all your banking requirement. Just download BB app and start filling all questions in an easy step & get everything which you need at your door. Really feeling digital yug. Only cash wallet is missing here .... may be coming soon or under pipeline ......
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2017
    • Bank Bazaar Customer Support
      "Approachable "
      0.5 5.0/5 "Blown Away!"
      It was absolutely good with bankbazaar. Nothing went wrong with bankbazaar for the loan process. I got proper assistance from them. I got the loan from Kotak bank with the support of bankbazaar. Everything was good and the service is completely approachable.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 14, 2017
    • Kotak Personal Loan
      "Good Customer Service"
      0.5 4.5/5 "Excellent!"
      To be frank, interest rate is not really good but it is ok. Kotak Mahindra bank offered a personal loan last month. I do not have any dissatisfaction with the bank for the loan process but it would be more convenient if the interest rate is bit less. Customer service is good.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 14, 2017
    • Bank Bazaar Customer Support
      "Nice Service"
      0.5 4.0/5 "Great!"
      My experience with bankbazaar is really good. Actually I had to work with bankbazaar when I had applied for the personal loan. They have good online facilities where I had submitted my loan application, on that I had received a proper information for the loan and they done with the work in a good manner.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 14, 2017
    • ICICI Bank Personal Loan
      "Moderate Service"
      0.5 3.0/5 "Satisfactory"
      Of course I had received a good service from ICICI bank for the personal loan process. I had no challenges but when it comes to the rate of interest, I am quite disappointed because, in the beginning they said that the interest rate is 13% but after taking the loan, I came to know that the interest rate is more than 15%. This has to be rectified.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 14, 2017
    • Bank Bazaar Customer Support
      "Informative Site"
      0.5 3.0/5 "Satisfactory"
      I was informed about a loan process by bankbazaar people at the time I applied for the loan online. They provided a good customer service which is really approachable and the website is too good in order to compare the features of the banks...
      Was this review helpful? 0
      , pune
      Reviewed on Aug 14, 2017
    • HDB Financial Services Personal Loan
      "Went Good"
      0.5 3.0/5 "Satisfactory"
      Interest rate is the one which is really important while taking any kind of loans. So I do not have any negative feedback in the rate of interest for the loan. Not only in the rate of interest, all the other things went good for the personal loan I took from HDB financial services.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 14, 2017
    • Bank Bazaar Customer Support
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am getting very quick response from bank bazaar end, Once I give my request in the bank bazaar website I get immediate response on it, as well the bank bazaar executives helps to submit the documents on time, so the service which is given by bank bazaar is prompt. I don't face any hassle from bank bazaar. The website is very good to compare and choose the product and the bank bazaar mobile application is useful to calculate the EMI as well.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 14, 2017
    • Citibank Personal Loan
      "Better Service"
      0.5 5.0/5 "Blown Away!"
      The Citibank service is very good apart from their Interest rate. The rate of interest with Citibank is high when compared with others. The reason I haven't got the loan was I have arranged the required amount from other sources . I am satisfied with the Citibank service.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 14, 2017
    • Bank Bazaar Customer Support
      "Good service"
      0.5 4.0/5 "Great!"
      Bank bazaar helps me to connect with Non financial services (NDFS), It also helps the customer to reach the bank without any kind of hassle. The website of bank bazaar is easy to use and user friendly. I would say the User interface need to be updated . It was good service which was given by bank bazaar.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 12, 2017
    • Citibank Personal Loan
      "Above average service"
      0.5 4.0/5 "Great!"
      There was credit score issue so that was the reason I can't process my personal loan application from Citibank. The response part need to be focused by CITIBANK. The rate of interest which Citibank was about to offer was nominal. I would say I got an above average service from CITIBANK.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 12, 2017
    • Axis Bank Personal Loan
      "On time process"
      0.5 4.0/5 "Great!"
      The personal loan got sanctioned on time from Axis bank. It is much important that for an emergency purpose we are applying for the loan so if we got the loan on time then it would be good. Actually I took this loan about three years ago. Interest rate was something around 14%. But now it is closed.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 11, 2017
    • Bank Bazaar Customer Support
      "The Easiest website"
      0.5 4.5/5 "Excellent!"
      Bankbazaar.com is well designed for the financial services. It is a good scope for them who wants to apply for loans. I had some confusions while checking the credit score online but then the website is too easy while filling online application form.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 11, 2017
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    Pune Personal Loan is Rated as "Great!" by 4441 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    Pune is in Maharashtra, India. It is second largest city in the state and is considered the state's cultural capital.Pune has had traditional old-economy industries which continue to grow. The city is now also known for Manufacturing, Automobile, Government & Private sector Research Institutes, Information technology (IT) as well as Educational, Management and Training institutes that attract migrants, students and professionals not only from India but also from South East Asia, Middle East and African countries.

    A personal loan is a kind of unsecured loan which can be used for any purpose that the borrower deems necessary. An unsecured loan is an umbrella term used for loans which do not require collateral. Banks, credit unions, and other financial institutions offer personal loans on an ongoing basis.


    You’re probably eligible for an 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 17 Aug 2017

    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 Loan offered by various banks in Pune

    Listed below are the top banks and NBFCs offering personal loans:

    • Fullerton
    • ICICI Bank
    • HDFC Bank
    • Standard Chartered Bank
    • Tata Capital
    • Aditya Birla
    • Bajaj Finserv
    • Axis Bank
    • CitiBank
    • Oriental Bank
    • Kotak Mahindra 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 2017

    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
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