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    We found 35 Pune Personal Loan
    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    10.99% - 16.99% Fixed
    Up to 2%
    30L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon Voucher Ad
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    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    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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    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    15.95% - 18.95% Fixed
    2% One time fee
    20L Max
    1-3 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon Voucher
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    Perks
    Fees & Charges
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    Eligibility Criteria
    12.99% - 12.99% 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
    10.99% - 20.75% Fixed
    Up to 2.5% One time fee
    40L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    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
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    11% - 16% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 17.99% 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
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12.49% - 33% Fixed
    6.0% One time fee
    15L Max
    1-4 Years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
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    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 18.15% Fixed
    Up to 2.5%
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    Rs.1,000 Amazon Voucher
    What you'll love
    Documents
    Perks
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    Customer Reviews
    10.99% - 14.49% Fixed
    0%
    30L Max
    1-5 years
    Response Time : Within 30 minutes
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13.49% - 19.99% Fixed
    Up to 2%
    Upto 25L
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
    What you'll love
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    Perks
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  • Pune Personal Loan is Rated as "Great!" by 5096 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 22 May 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
      "Excellent"
      0.5 4.5/5 "Excellent!"
      Bank bazaar is a one stop solution for all the financial products . The customer service and responses was really good. The website is very user friendly and easy to navigate . The web portals accuracy and speed is good so I would like to recommend to others.,
      Was this review helpful? 0
      , pune
      Reviewed on May 20, 2018
    • Citibank Personal Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I have approached CITI bank for my personal loan . Their interest rate was very high so I have canceled and taken with HDFC bank. I was looking for 8 lakhs and the interest rate was 15.85% which si very high . The customer service and responses was good.
      Was this review helpful? 0
      , pune
      Reviewed on May 20, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan experience was good with HDFC bank, the loan amount was based on my requirements and the rate of interest was nominal when compared to all other banks. The process was quick and i received my loan amount on time. The tenure period for this loan is 1 year.
      Was this review helpful? 0
      , pune
      Reviewed on May 17, 2018
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I came to know about bank bazaar through the marketing team and I have seen many advertisement in the various website. I know bank bazaar for past 2 years, I use the bank bazaar website while applying for the personal loan which is easy to use and user friendly.
      Was this review helpful? 0
      , pune
      Reviewed on May 16, 2018
    • IndusInd Bank Personal Loan
      "Average service"
      0.5 4.0/5 "Great!"
      The Indus ind bank gave me good response in regards to my personal loan application. They took around a week time to disburse the loan amount. The customer support service and the response is good from the Indus ind bank. The rate of interest and the charges are average when compared with other banks.
      Was this review helpful? 0
      , pune
      Reviewed on May 16, 2018
    • Kotak Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I was in need of a personal loan for my sisters marriage expenses therefore for purpose I had applied for the personal loan. There has also been other banks which had offers. The rate of interest was too much high during that time when compared with the other banks which were offering personal loan.
      Was this review helpful? 0
      , pune
      Reviewed on May 11, 2018
    • Bank Bazaar Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using the services for almost 2-3 months, and so far all their services has been good. The customer service team was very good in the follow ups and all the other process was very easy. Overall i can say that it is a very useful service which they are providing.
      Was this review helpful? 0
      , pune
      Reviewed on May 11, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      It has been a good experience which i had with this loan. I am satisfied with the loan amount which they had been provided. The rate of interest is little high comparatively. It has been a fast and smooth process where i have got the loan sanctioned very soon.
      Was this review helpful? 0
      , pune
      Reviewed on May 11, 2018
    • Kotak Personal Loan
      "Very good service"
      0.5 4.0/5 "Great!"
      The service which they had provided when i had applied for this loan was quite good. During that time the rate of interest was good as well. Since i have a loan which has got sanctioned from another bank i have closed this loan from them. But overall it was a good loan.
      Was this review helpful? 0
      , pune
      Reviewed on May 11, 2018
    • SBI Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The state bank of India has approved my personal loan within a day time. The customer support service and the response is quite good from the State bank and I am satisfied with the loan amount, they have disbursed the loan amount with in a day time.
      Was this review helpful? 0
      , pune
      Reviewed on May 10, 2018
    • Bank Bazaar Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The bank bazaar service is quite good and I know bank bazaar for the past 3 years. The customer support service and the response is good with the bank bazaar team. The website of bank bazaar is easy to use and user friendly. I am satisfied with the bank bazaar service.
      Was this review helpful? 0
      , pune
      Reviewed on May 10, 2018
    • IndusInd Bank Personal Loan
      "Need improvement in documentation process"
      0.5 2.0/5 "Expected more"
      The Indus ind bank is asking for all kind of documents to process the personal loan and when I have applied for the loan they have asked me to submit the bank statements, rental agreement , form 16 and for other documents. The documentation process need to be customer oriented from the Indus ind bank.
      Was this review helpful? 0
      , pune
      Reviewed on May 10, 2018
    • Capital First Personal Loan
      "Bad service"
      0.5 0.5/5 "Unacceptable"
      I came here to close my loan on last friday that person who attended me directly said you have to come on monday because tomorrow is off. That stuppid fellow doesnt even know that next day was saturday and that was working day for all the banks. At the same time I visited HDFC bank and they attended me very well and they took my request to close my loan. I had loan with hdfc and capital first both. Capital first has a worst service in market never ever go with this loan facility.
      Was this review helpful? 0
      , pune
      Reviewed on May 07, 2018
    • Bajaj Finserv Personal Loan
      "Good overall"
      0.5 5.0/5 "Blown Away!"
      I like to bank with Bajaj Finserv because I get regular updates to my email and most of my relatives and friends bank with them. I have taken a personal loan known as Flexi pay. The benefit is this facility is that I would be allotted an amount of loan, I can use the amount what I am in need off and pay the interest rate only for the used amount and not the amount that was allotted for me. The rate of interest is of 14.25% which is on the higher side for me.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 30, 2018
    • Axis Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      My personal loan experience was good with AXIS bank, the process was quick and i received my loan amount on time. The tenure period of this loan is for 5 years. Documents were collected on time and the customer service was very good. The rate of interest was nominal when compared to other banks.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 29, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan with HDFC bank and my loan experience was good, the loan amount was based on my requirements and the rate of interest was nominal when compared to all other banks. Customer service was good and the tenure period of this loan is 5 years.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 29, 2018
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have taken my personal loan via BANK BAZAAR. The customer service and responses was up to the mark. The website has many good option on banks and Interest rate . The web portal's is very good. I have tried using the tools like EMI calculator and credit score option which is very useful.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 21, 2018
    • Tata capital Personal Loan
      "Very good"
      0.5 3.5/5 "Pretty good"
      My personal loan was taken with TATA CAPITAL . The loan amount was 65 lakhs, the interest rate was 11.9% which is satisfactory and the tenure period was 6 years . The process was quite good, but i have not received the documents yet. They have sanctioned the loan within the committed time.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 21, 2018
    • Kotak Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The required loan amount has been approved by the KOTAK MAHINDRA BANK and they have disbursed the loan amount within the promised time. The customer support service and the response is good with the kotak mahindra bank. the rate of interest and the charges are average here.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      Got the personal loan from the HDFC bank around 3 years ago. They took around a day time to deliver the credit card . The customer support service and the response is good with the HDFC bank . The rate of interest and the charges are average with the HDFC bank personal loan service.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2018
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