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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    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
    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
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    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.99% - 19.50% 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
    1% - 2% 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
    11.00% - 17.99% Fixed
    2.25% (min. ₹1149) 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
    10.85% - 11.85% 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
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    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 19.8% Fixed
    Up to 2.5% 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
    11.99% - 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
    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
    11.49% - 20.15% Fixed
    Up to 2%
    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
    11.5% - 13.25% Fixed
    0 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
      "Good Financial Advisor"
      0.5 5.0/5 "Blown Away!"
      All the time Bank Bazaar is good, they gave good communication on loan process. Bank Bazaar response part is excellent, when I applied for the same on the same day, I got a call. The website is good to check different bank interest rate, all details are given in proper manner.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • Citibank Personal Loan
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      Currently, I don't have requirements to take personal loan from Citi bank, that the reason I dropped the plan. CITI service is good, they offered me least interest rate of 10.99% but for preclosure there is a locker period of six months its should be lesser and they taking some charges of 3 to 5% for preclosure.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • HDFC Bank Personal Loan
      "Excellent process"
      0.5 5.0/5 "Blown Away!"
      I had taken a personal loan HDFC Bank and after me applying for it online. They asked me to upload my documents on the portal and the process started off. I got the disbursement on time and without any hassles. The interest rate and processing charges was also a good deal.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      The services at Bankbazaar has been perfect and the overall experience was nice. They contacted me as soon as I applied and the team also followed up continuously. The website is good and very helpful. I have also recommended couple of my friends.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • Citibank Personal Loan
      "Unhappy with the services"
      0.5 1.0/5 "Really Bad"
      After me applying for a personal loan with Citibank, I received one call and there was an executive to come over and collect my documents. But no one came up to start the process. So I went ahead with another bank who was more responsive in giving me the loan.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar has been excellent as well in their customer services and response. I was contacted on time and I was given the details and was informed about the process. There were proper follow up calls and it was a nice experience to browse through the website too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • HDFC Bank Personal Loan
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank was very much responsive for the personal loan which I had applied for. I had placed a request on the weekend and on Monday I got the funds arranged through my personal source. So I did not go ahead and cancelled the application. The bank was high on the rate of interest and charges and I still wish to give them five stars because there is nothing much I could do about it.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 23, 2017
    • Bank Bazaar Customer Support
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Bankbazaaar.com is really good one and am using it for the second time, also I took some insurance policies with them before. Online portal of the Bankbazaar.com is easy to access, also comparison can be done on immediate basis.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • Standard Chartered Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Experience was good with the Standard chartered bank to get the personal loan. Service aspects are really good. The loan amount got disbursed to my account within a week of time. Services are really fine one for me but the branches are lesser one with them. Rate of interest was not at all the constraint, also I can say it was good one.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • Axis Bank Personal Loan
      "Excellent deal on the ROI"
      0.5 4.0/5 "Great!"
      My personal loan is from Axis Bank and it was a smooth process for me. The documentation was on time and the disbursement as well. The interest rate is around 11.39% which is one of the best rates currently in the market. The processing charges was normal too. There is a part payment facility which can be used after a month.
      Was this review helpful? 1
      , pune
      Reviewed on Jun 22, 2017
    • Bank Bazaar Customer Support
      "Satisfactory"
      0.5 4.0/5 "Great!"
      The services at Bankbazaar was very much satisfactory. It was a quick response and I am happy with the website. It would have been better if there are more than one bank offered as I was given only one bank. If there are multiple banks I will have options to choose from.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • Standard Chartered Bank Personal Loan
      "High on ROI & charges"
      0.5 3.0/5 "Satisfactory"
      The response was on time from Standard Chartered Bank after I applied for a personal loan. The team informed me about the details and the process. I did not go ahead because they offered me a higher rate of interest and the other charges was high too. I was offered a rate of 12%.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • Tata capital Personal Loan
      "Good Experience"
      0.5 4.5/5 "Excellent!"
      I got a proper response from TATA Capital, within short span of time they had completed the loan process and helped me to get the disbursement on time. I took the amount of Rs.1.5 lakhs, this is for a tenure of three years, they gave me 11.49% of interest and they taken some processing fee of around Rs.2000 from disbursement.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • Bank Bazaar Customer Support
      "ECO FRIENDLY"
      0.5 4.5/5 "Excellent!"
      Initially I got proper service from Bank Bazaar, they have supported me a lot on loan process. I directly use Bank Bazaar application, its good even normal people can use, its easy to access to compare the various interest rate which is availiable in the market.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • Bank Bazaar Customer Support
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar has been really good and supportive in the services. They were very much up to my expectations as they were on time from the initial stage of the process. The details were clearly provided and the follow up calls was continuous. It was a nice experience in using the website as well.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • Citibank Personal Loan
      "Communication gap should be avoided"
      0.5 1.0/5 "Really Bad"
      I have not received any call from CITI Bank, Almost I have waited around two to three days. Even I didn't get any welcome call from CITI bank on the loan process. Then I applied to TATA Capital, they proceed the loan very quickly. Finally I got a call from CITI bank, at that time I have processed my loan with other institute.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • HDFC Bank Personal Loan
      "Not Satisfactory"
      0.5 2.0/5 "Expected more"
      HDFC Bank has not been up to the mark in the terms and conditions for the personal loan. So I declined my application with them. The interest rate and processing charges were very high. It was around 17%. It has not been a good experience for me. I am not happy with the services too.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 22, 2017
    • HDFC Bank Personal Loan
      "Average Service"
      0.5 5.0/5 "Blown Away!"
      The time scales taken to process the personal loan needs to be improved or reduced. HDFC Bank disbursed my personal loan within a span of 9 days of time which is higher than the normal one. Where as other banks normally takes only 3 to 4 days. The rate of interest for the personal loan was around 11.29% when compared with other banks that is the best interest rate in the market. Though HDFC Bank was unable to offer the complete loan amount I am in need of, but still I am happy with the way my loan was processed.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 21, 2017
    • Bank Bazaar Customer Support
      "Very Good service"
      0.5 5.0/5 "Blown Away!"
      First step would be the customer has to fill in the application, the next step would be they will surely receive a call from bankbazaar executive and they would take the application further to the next stage. Their executives were very much helpful and supportive. Website is very much easy to use and user friendly. I am with bankbazaar for the past 3 years and their service is very much satisfactory to me.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 21, 2017
    • ICICI Bank Personal Loan
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      ICICI bank did not give any kind of offers when it comes to personal loan. They were ready to offer the loan for an interest rate of 12.99% when compared to HDFC, they were ready to provide an interest rate of 11.29%. Customer service offered by ICICI Bank is much better than HDFC Bank. The rate of interest should be reduce in future, because of high rate of interest I did not proceed further with ICICI bank.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 21, 2017
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    Pune Personal Loan is Rated as "Great!" by 4316 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 26 Jun 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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