Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 32 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 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 available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13.99% - 16.99% Fixed
    Up to 2% One time fee
    20L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    13% - 21% Fixed
    Up to 2%
    Upto 25L
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval available
    What you'll love
    Documents
    Perks
    Think about
    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 available
    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
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.65% - 11.65% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Response Time : Within 30 minutes
    Guarantor Required Paperless approval 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 available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    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
    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

    • Bank Bazaar Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      For more than 3years I use the bank bazaar website. The bank bazaar customer support has reached me within 5 to 8hours of time , after I gave my requirement in the bank bazaar website. The website of bank bazaar is easy to use and user friendly. The bank bazaar mobile application is easy to navigate.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 23, 2017
    • Standard Chartered Bank Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      There is No loan requirement at present,so that was the reason I haven't got the personal loan from Standard charted bank. The rate of interest is high when compared with HDFC bank.The Customer Support is quite good with SCB. The service which was given by SCB was good with SCB.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 23, 2017
    • review Personal Loan
      "SATISFACTORY"
      0.5 3.0/5 "Satisfactory"
      The service provided by JANATA SAHAKARI BANK was really good based on the personal loan application being submitted.I am very happy with the service provided by JANATA.They are able to complete the loan process within a weeks time.They have applied charges around 12% for the processing.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 23, 2017
    • review Personal Loan
      "SATISFACTORY"
      0.5 3.0/5 "Satisfactory"
      The service provided by JANATA SAHAKARI BANK was really good based on the personal loan application being submitted.I am very happy with the service provided by JANATA.They are able to complete the loan process within a weeks time.They have applied charges around 12% for the processing.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 23, 2017
    • Bank Bazaar Personal Loan
      "Fast Response"
      0.5 5.0/5 "Blown Away!"
      My experience was too good with Bank bazaar. This is my second experience with Bank bazaar.Such an Awesome website for all your financial needs.Previously i got my Credit card in 20 days and now i am applying for personal loan & i am 100 % sure this time i also don't disappointed with this site. Thanks guys .
      Was this review helpful? 0
      , pune
      Reviewed on Sep 23, 2017
    • Axis Bank Personal Loan
      "Fast process and excellent service"
      0.5 5.0/5 "Blown Away!"
      Axis bank is the best bank to bank with. I have taken a personal loan and every day they followed up. The team provided me with the updates and the customer support is excellent. The interest rate and processing charges are also normal. I got the loan within three days.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 22, 2017
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar has been very good in the services. The team was instant to contact me and inform me the details and process the information to the banks. The website is good and very much helpful. It is very informative and it has a lot of options to choose from.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      "Good. Need to be more quick in the process"
      0.5 4.0/5 "Great!"
      HDFC Bank was good but there was a delay in the process. After the submission of documents, I got the personal loan after 12 days. I had to take the initiative and follow up with the executive for an update. The interest rate and processing charges is normal.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 22, 2017
    • Bank Bazaar Personal Loan
      "Overall good experience"
      0.5 4.0/5 "Great!"
      The overall experience at Bankbazaar was good, what ever I asked they for they explained each and every detail to me clearly and when ever I contacted them there were no hassles. But, it would have been better if they had to proactively follow up after the documents was uploaded.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 22, 2017
    • Bank Bazaar Personal Loan
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      Actually, Bankbazaar.com is really quick one for me to dealt, also it cares about the customer financial queries. I am using Bankbazaar.com from the last three years of time. Response is very excellent one for me.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 22, 2017
    • Kotak Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have got the personal loan with the Kotak mahindra bank within two weeks of time. Response is very nice and they are actually supportive too. I would like to say that the customer service is also providing the smooth service.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 22, 2017
    • HDFC Bank Personal Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      HDFC Bank processed my personal loan on time. I got the funds and the person came to my house and collected my documents. The interest rate and processing charges are good, not excellent. The after loan services are good and in all I was at ease.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 22, 2017
    • Bank Bazaar Personal Loan
      "Better"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar.com is an excellent one for me and am using it for some long term, also am really happy with them. Response is an excellent one for me. I would like to say that the online portal of the Bankbazaar.com is easy to access.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 22, 2017
    • ICICI Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The loan amount got disbursed to my account within three to four days of time. I would like to say that the response is an excellent one and the customer service is better one with the ICICI bank. I am okay with their rate of interest.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 22, 2017
    • Bank Bazaar Personal Loan
      "One Stop solution"
      0.5 5.0/5 "Blown Away!"
      After filling CITI bank personal loan application I got a call from Bank Bazaar immediately and also they helped to connect with the bank on time. I am using mobile app and website, both are good to view all financial updates in one stop without any difficulties.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 21, 2017
    • Citibank Personal Loan
      "Response part should be improved"
      0.5 3.0/5 "Satisfactory"
      When I applied for the loan I didn't get the call from CITI for the documentation collection. I would like to suggest them to proper response part on customer request, what ever it may be their executive should call and confirm their requirements.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 21, 2017
    • Bank Bazaar Personal Loan
      "Fabulous"
      0.5 4.0/5 "Great!"
      Bankbazaar.com is working in good way and I have got the response from them on immediate basis. I used to get the call from the bankers on immediate basis from them. I would like to say that the online portal of the Bankbazaar.com is easy to access.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 21, 2017
    • Standard Chartered Bank Personal Loan
      "Need to improve"
      0.5 2.5/5 "Just OK"
      Standard chartered bank have provided the different one rather than what they have promised for my personal loan, which I have applied. I would like to suggest that they have to provide the offers on the basis of what they have committed as first.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 21, 2017
    • Bank Bazaar Personal Loan
      "Good"
      0.5 4.0/5 "Great!"
      My experience with Bank bazaar was really amazing because their representative helped me a lot for the process and I have discussed and enquired a lot . Their customer service was very supportive and the responses was immediate. I use their EMI calculator and check my credit score on Bank bazaar's website which is very useful
      Was this review helpful? 0
      , pune
      Reviewed on Sep 20, 2017
    • Fullerton Personal Loan
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have applied for my personal loan from FULLERON INDIA. I have rejected the application as their rate of interest was 17% which is quite high comparing to other banks in the market. However their customer service and responses were really good.
      Was this review helpful? 0
      , pune
      Reviewed on Sep 20, 2017
    Common Loader Icon
    Pune Personal Loan is Rated as "Great!" by 4623 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    Pune Personal Loan

    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 26 Sep 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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