Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 33 Pune Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 16.49% Fixed
    0 Bankbazaar Exclusive
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
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    11.50% - 17.25% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon Voucher 100% PAPERLESS APPROVAL
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    Customer Reviews
    14.99% - 14.99% Fixed
    Up to 2% One time fee
    20L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon Voucher 100% PAPERLESS APPROVAL
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    Eligibility Criteria
    16% - 28% Fixed
    2% - 5%
    50K - 7.5L
    1-4 Years
    Response Time : Within 30 minutes
    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.1,000 Amazon Voucher 100% PAPERLESS APPROVAL
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    Perks
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    Fees & Charges
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    Eligibility Criteria
    11% - 16% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    Perks
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    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.49% - 18.25% Fixed
    2.25% (min. ₹1,499 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 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.1,000 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
    100% PAPERLESS APPROVAL
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    10.99% - 14.49% Fixed
    0%
    30L Max
    1-5 years
    Response Time : Within 30 minutes
    What you'll love
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    Perks
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    Customer Reviews
    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 5163 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    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 21 Jul 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

    • Bank Bazaar Personal Loan
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I've been using the BankBazaar platform for a while. I applied for a ,personal loan via BankBazaar. It was very good, the customer support follow up was also very good. BankBazaar is a convenient platform to apply for various financial products online. I even recommended BankBazaar to some of my friends.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Better Service"
      0.5 4.0/5 "Great!"
      I took a personal loan from the HDFC Rs. 3.6 Lacs for 5 years. It was amazing, I applied directly but rejected the application. When I applied online I got the loan amount with in 5 days. The interest rate is normal when comparing with the other banks
      Was this review helpful? 0
      , pune
      Reviewed on Jul 20, 2018
    • HDB Financial Services Personal Loan
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      My personal loan experience was not up to the mark with HDB financial services, customer service was not up to the mark and there was no proper response. I was not able to track how much EMI i have to pay for the month and the rate of interest is way high when compared to others.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 3.5/5 "Pretty good"
      I have taken a personal loan with HDFC bank and my experience was good, the loan amount was for Rs 2.5 lakhs with nominal interest rate when compared to other banks. There is no foreclosure allowed till 1 year. The tenure period of this loan is 2 years and the customer service was good.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 20, 2018
    • HDFC Bank Personal Loan
      "Average loan services"
      0.5 3.0/5 "Satisfactory"
      I don't gone through their customer care service so far. They have given me a interest rate of 14.5% which is very high. I have got the loan amount of Rs. 4 lakhs and they have charged mea 4% as processing fee. I have taken the tenure period of 5 years. I have taken the personal loan 1.5 years back. I have received the loan on time.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 19, 2018
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've taken a personal loan from the HDFC bank for 70000. There is no flexibility and the loan experience was good. The process and the application was smooth and hassle free. They need to provide more flexible options for their customers...
      Was this review helpful? 2
      , pune
      Reviewed on Jul 16, 2018
    • Bajaj Finserv Personal Loan
      "Good Service"
      0.5 4.0/5 "Great!"
      I've taken a personal loan from the Bajaj Finserv for 5 Lacs. Their Flexipay service is really useful. In case if you do not need the full amount you can keep the amount in reserve and the interest is applicable for the only amount you take which is pretty cool. The interest rate is 14%.and I am really happy with their service.
      Was this review helpful? 2
      , pune
      Reviewed on Jul 16, 2018
    • Kotak Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've taken a personal loan from the Kotak Mahindra bank. I have taken 1 lac, I got the loan with in 2 days. I applied online banking. The interest rate is low. It was a very fast personal loan experience with the bank and their services.
      Was this review helpful? 4
      , pune
      Reviewed on Jul 14, 2018
    • ICICI Bank Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I took a personal loan from the ICICI bank for 1.5 lacs. The interest rate was pretty high when comparing to other loan experiences I have and other than that there were no issues with the loan experience. They need to lower their interest rates and keep it in par with the market rate.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 10, 2018
    • HDFC Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I took a personal loan from the HDFC bank for 9.57 Lacs, the interest rate is 10.99 % which is nominal when comparing with other banks in the market. . I got the loan with in 5 days. There was no hassle and the whole application and the documentation was also seamless.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 10, 2018
    • Standard Chartered Bank Personal Loan
      "Service is bad"
      0.5 1.5/5 "Bad"
      Bank is good with you until our loan is processed. After that they don't take requests seriously. Closure of loan takes 15days just to initiate the process. Ridiculous. On asking over email, they just delaying the response. Not a very good experience overall.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 04, 2018
    • HDB Financial Services Personal Loan
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My personal loan was taken with HDB FINANCE 9 months back. The loan amount was 2,50,000 and given interest rate was satisfactory . The customer service and responses was good. They have sanctioned the loan with the committed time,. The processing fee was also nominal.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 04, 2018
    • HDFC Bank Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have take personal loan from the Hdfc which they approved in 3-4 working days and the amount is reflected in next day ,its instant approve process. As am not satisfied with the rate of interest which is quiet high. They provided the tenure period of 4 year and i make the payment monthly though ECS. There is no processing fees also.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 03, 2018
    • HSBC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken personal loan from the Hsbc bank which i have applied which instantly got approved . Am satisfied with the rate of interest of 14% which they have provided . They charged Rs 2000 for processing fees with the tenure period of 3 years . Am overall am satisfied with their customer service and response.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 03, 2018
    • Bank Bazaar Personal Loan
      "Very good "
      0.5 5.0/5 "Blown Away!"
      It was easy to go through this on line portal as all the information was available on their website, it was easy to get the services from there and it was quite satisfactory. The customer service was good and they helped me with processing the loan application.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 30, 2018
    • Tata capital Personal Loan
      "Good "
      0.5 4.0/5 "Great!"
      I have taken a personal loan from Tata Capital, the over all process was good, but there was a little issue during the process, there was a communication gap between the verification team or else the process could have been more faster. I had to follow up on them and they never informed me about the company gate was closed and they could not visit me. So I had to reschedule everything and get things done.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 30, 2018
    • Bank Bazaar Personal Loan
      "Very good "
      0.5 5.0/5 "Blown Away!"
      I have a good experience with the services of this on line portal. Everything was good, they handled the services very efficiently, The process my loan application and gave me proper customer service and response. It was a good experience with them everything was smooth and easy.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 29, 2018
    • HDFC Bank Personal Loan
      "Very good "
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from Hdfc bank, the loan process that took place was good, I never found any difficulties. I received good customer service and assistance, I received the amount on time and it was a smooth process, The rate of interest they have charged is also not high as compare to other banks it was good.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 29, 2018
    • Bank Bazaar Personal Loan
      "Fabulous"
      0.5 4.5/5 "Excellent!"
      Bankbazaar.com is pretty good and am using it from the last five years to six years of time. I would like to say that the customer service is okay one for me with them. I am happy with the Bankbazaar.com till now.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 28, 2018
    • HDFC Bank Personal Loan
      "Wonderful"
      0.5 5.0/5 "Blown Away!"
      Rate of interest for the personal loan with the HDFC bank is around 10.45%, also the customer service were good one too. Through Net banking services, I am getting every services from them, so there is no necessary to dealt with their customer services.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 28, 2018
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