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
    11.49% - 15.99% Fixed
    0.5%
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
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    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
    17.25% - 37% 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
    11% - 16.49% 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

    • Bank Bazaar Customer Support
      "Nice App.Thanks For Support My Credit Card application."
      0.5 5.0/5 "Blown Away!"
      Thank You Bank Bazaar Team. I would suggest Bankbazaar to provide assistance in Marathi language too, as your executives always say "Sir please speak in English or Hindi''. I am not sure what is the problem conversing in marathi, please make sure all regional language operators are available to provide customers support .
      Was this review helpful? 0
      , pune
      Reviewed on Jul 21, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The HDFC bank service is really good in concern to my personal loan. The customer service and the response was good with HDFC bank. The rate of interest is nominal with HDFC bank. I have choose the HDFC bank for my personal loan because of their low interest rate.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "Very good service"
      0.5 4.0/5 "Great!"
      Bank bazaar maintains prompt follow up with the customers, because they will fix appointments and reaches the customer on appropriate time. The website with bank bazaar is easy to use and user friendly. The customer service and the response is very good with bank bazaar.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 19, 2017
    • Kotak Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I haven't proceeded with Kotak Mahindra bank because of their interest rate. I have chosen HDFC bank for my personal loan. The customer service and the response with Kotak Mahindra is good and supportive. The rate of interest is high with Kotak mahindra when compared with HDFC bank. I would say I got an average service from Kotak Mahindra.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "Good Service"
      0.5 4.5/5 "Excellent!"
      Everything went good with bankbazaar. I had no issues with bankbazaar when I approached them for the loan requirement. I got good customer service and their way of approach is good. My application been forwarded to the bank from bankbazaar. The website is easy to handle as well.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 12, 2017
    • HDFC Bank Personal Loan
      "Better Service"
      0.5 3.5/5 "Pretty good"
      When I applied for the personal loan with HDFC bank. My requirement was not fulfilled. Actually I applied for 3.5 lakhs but the bank approved the loan for 1.5 lakhs so I dropped the plan. Otherwise the responses are good and they are very much approchable too,
      Was this review helpful? 0
      , pune
      Reviewed on Jul 12, 2017
    • Bank Bazaar Customer Support
      "Its Userfriendly"
      0.5 5.0/5 "Blown Away!"
      It was very smooth loan process with Bank Bazaar, I don't have face any kind hassles. Bank Bazaar guys also very prompt they supported me on the right and connect with the bank in a proper manner. The website is user friendly, I could see many thing it has many integrated information, It is good to calculate the eligibility by filling all the necessary information.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 12, 2017
    • Citibank Personal Loan
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      I am planning to take personal loan from CITI bank next month, I am very much satisfied with them. I got a call from bank, I informed their executive to get back next month. CITI bank offered me 11.99% of interest and also they ready to approve the amount 4.5 lakhs. To conclude, I am very much happy with their service.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 12, 2017
    • Bank Bazaar Customer Support
      "Good to go with Bank Bazaar"
      0.5 4.5/5 "Excellent!"
      Bank Bazaar is showing the comparison of offers its easily helps the customer to choose the best thing, Bank Bazaar also gave me satisfactory service. I used to search many thing in their website like home loan, vehicle loan etc. It one stop solution for all banking needs.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 11, 2017
    • Citibank Personal Loan
      "Interest rate should be reduced"
      0.5 3.0/5 "Satisfactory"
      I felt CITI interest rate was high compared to other competitor, CITI gave me 11.9% of interest on personal loan product. CITI bank have responded well on loan process, I don't have any issues with them but I can't compromise with their interest rate hence I dropped it.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 11, 2017
    • HDFC Bank Personal Loan
      "Should be transparent in all aspect"
      0.5 5.0/5 "Blown Away!"
      Since ten years, I am a customer of HDFC, hence they know me very well but also they have taken some hidden charges on personal loan. Earlier they communicated they were taking around Rs.1000 as processing fee but they didn't disclose about the service tax and other fee. All of a sudden, they had debited around. 2000 from the disbursement amount of Rs.9 lakhs, It would be great if they provide transparent information to all.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 11, 2017
    • Bank Bazaar Customer Support
      "Common platform for banking products"
      0.5 5.0/5 "Blown Away!"
      I received very good response from Bank Bazaar and they are very supportive on my loan process. When I applied for personal loan within 30 minutes I got a call and started working for me. The website is pretty easy to navigate and convenient to check for any bank product.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 11, 2017
    • Citibank Personal Loan
      "Loan process should be more flexible"
      0.5 2.0/5 "Expected more"
      CITI was in need of some additional documents like rental agreement but I don't have all that. As, I hold a salary account with HDFC they agreed to take process the loan with the avaliable documents I agreed to proceed further with them, they gave me good rate of interest. CITI is not supportive in short and their loan process also should be made more flexible.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 11, 2017
    • HDFC Bank Personal Loan
      "They should waive off the charges"
      0.5 5.0/5 "Blown Away!"
      I have taken personal loan from HDFC few years back. It was a good experience but they taken some processing fee form the disbursement that was the drawback. I have taken the loan amount of Rs.2 lakhs, they have deducted some processing fee with some insurance amount. Apart from that everything is good.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 10, 2017
    • Bank Bazaar Customer Support
      "Easy to Navigate"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar is very perfect, Through online website I came to know about Bank Bazaar its good. Then I post the request for the personal loan. I believe on next day, I got a call and they directed on right personal loan product. They explained about the loan process. The website is also very easy and userfriendly to use.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 10, 2017
    • Standard Chartered Bank Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It was good experience, Standard chartered has taken less than seven days to disburse the amount. It was hassle free documentation process. I had taken the loan amount of Rs. 3 lakhs for the tenure of four years. Standard Chartered offered me 12% of interest rate with zero processing fee. I am very much happy about that.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 10, 2017
    • Axis Bank Personal Loan
      "Interest rate is high"
      0.5 4.0/5 "Great!"
      The rate of interest for the personal loan is around 13.49% with Axis bank. I availed the loan service but the interest rate is little bit higher with Axis when compared with other banks. Their customer service and their responses are pretty much good.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 07, 2017
    • Bank Bazaar Customer Support
      "Responsive"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar website is excellent and it is very simple to handle. I did receive a good response from them on my personal loan application and they provided a good service as well. They transferred my application to the bank. There are no issues with bankbazaar service.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 07, 2017
    • Standard Chartered Bank Personal Loan
      "No Response"
      0.5 3.0/5 "Satisfactory"
      I did not receive any kind of response from Standard chartered bank on my personal loan application. Actually I applied for the loan through online source. My application has been closed by the bank without disclosing any reason. It would be better if SCB, is much more customer oriented.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 07, 2017
    • HDB Financial Services Personal Loan
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      HDB Financial services has been good in responding to the personal loan request and they have done their best to process the loan The rate of interest was around 14% I have postponed the plan due to personal reason, and I have applied for 2 lakh loan.
      Was this review helpful? 3
      , pune
      Reviewed on Jul 07, 2017
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    Pune Personal Loan is Rated as "Great!" by 4370 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 23 Jul 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

    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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