Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 33 Thane 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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    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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    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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    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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    11% - 16% Fixed
    0 Bankbazaar Exclusive
    25L Max
    1-5 years
    Response Time : Within 30 minutes
    100% PAPERLESS APPROVAL
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    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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    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
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    10.99% - 14.49% Fixed
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    30L Max
    1-5 years
    Response Time : Within 30 minutes
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    13.49% - 19.99% Fixed
    Up to 2%
    Upto 25L
    1-5 years
    Response Time : Within 30 minutes
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  • Thane Personal Loan is Rated as "Great!" by 747 Users

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    Promised Interest Rate

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    Personal Loan BYTES FROM OUR KITCHEN

    Thane Personal Loan

    Thane is a city in Maharashtra, India, at the head of the Thane Creek.Thane's GDP is the fifth largest in the state. Major source of income for the people is the service sector in the Mumbai Metropolitan region, apart from the smale scale and large scale industries in the nearby areas of the district and the Navi Mumbai region. Thane city, as such, is more of a residential city than an industrial one.

    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 Thane Personal Loan if you are

    01
    02
    03
    04
    Thane Personal Loan Minimum Age

    At least 21 years old

    Thane Personal Loan Maximum Age

    Less than 65 years old

    Thane Personal Loan Eligible Employment Type

    Salaried / Self – Employed
    with regular income

    Thane Personal Loan Minimum Income

    Earn more than the minimum
    income required


    Your Thane Personal Loan amount eligibility is based on these factors

    01
    02
    03
    Thane Personal Loan Minimum Salary

    Minimum income required
    Rs.17,500 per month

    Thane Personal Loan Maximum Loan Funded

    Maximum allowed personal loan is Rs. 50K to Rs. 30 lakhs

    Thane Personal Loan EMI

    EMIs of other loans lower
    your eligibility


    Increase your eligible Thane Personal Loan amount by these steps

    01
    02
    Thane Personal Loan Payoff Outstanding Credit Card Bills

    Pay off your credit card bills

    “Thane

    Choose longer tenure loan up to 5 years


    Documentation needed to apply for an Thane 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

    Thane Personal Loan Interest RatesUpdated on 19 Jul 2018

    Thane 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 Thane

    In Thane, personal loas and NBFCs in the country. A customer can avail a personal loan either due to a medical emergency, to fund a holiday, pay for wedding expenses, clear outstanding debts and so on. For those new to availing personal loans, they can visit financial portals such as BankBazaar to get started. On the BankBazaar website, customers can compare loans offered by its partner banks and NBFCs, make EMI calculations, and check their CIBIL score before choosing and availing a personal loan that suits their financial situation.

    Personal Loan offered by various banks in Thane

    Listed below are the top banks and NBFCs offering personal loans in Thane:

    • Citibank
    • Standard Chartered Bank
    • Kotak Mahindra Bank
    • ICICI Bank
    • Fullerton
    • Tata Capital
    • HDFC Bank
    • Aditya Birla
    • Oriental Bank
    • Axis Bank
    • Bajaj Finserv

    How do I get a Personal Loan with the lowest interest rate in Thane?

    Prior to availing a personal loan, it is imperative for customers to know the components of a personal loan that affect the interest rate - added on the loan amount. Most people leave the assessments and calculations (with regard to the interest rate) to bank executives. If you’re new to availing personal loans, listed below are areas you would need to look into if you wish to avail a loan at the lowest possible interest rate.

    Credit score: The credit score directly reflects on the interest rate applied on the loan offered to you by the bank. The higher your credit score the lower will be the interest rate offered to you by the bank and vice versa. Having a credit score upwards of 750 is optimum when availing a loan will be beneficial.

    Down payment - When availing a personal loan, most people ignore the resultant effect a down payment has on the interest rate offered to them by the bank. Making a down payment north of 20% of the total loan amount will result in you availing a loan at a lower interest rate.

    Debt-to-income ratio - Before approving the loan application, one of the first things that banks and NBFCs take into consideration is the debt-to-income ratio of the applicant. Having a debt-to-income ratio below 40% is optimum. Having a debt-to-income ratio more than either 40% or 50% might result in your application being rejected or if approved (based on your income), the interest rate added on the loan will be relatively higher.

    Look around for the best loan offer: Rather than just going with the bank holding your salary account, it is important to look around for the bank or NBFC offering a loan that suits your financial ability. Loan shopping on financial portals such as BankBazaar will give you a clear-cut idea of the different interest rates offered by banks and NBFCs. The BankBazaar website compares loans offered by its partner banks and lays bare the best possible loan out there.

    Your experience and the company you work for: Working for a reputed company will only increase the bank’s trust in you repaying the loan in time. The number of years of experience as well as the company you work for plays an important role in deciding the interest rate added on the loan.

    Negotiate: Making a negotiation for the interest rate added on your loan amount is a must. Most people do not even know that this is a possibility. Negotiating with the bank on the interest rate might just get you a better deal.

    Personal Loan Interest rates in Thane

    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 Thane

    The income of the loan applicant helps banks and NBFCs decide whether they should disburse the loan or not. The salary requirement varies from bank to bank and depends on the type of loan and the tenure decided by the applicant. Listed below is the approximate salary requirements when applying for a loan:

    For salaried individuals: In general, the salary requirement - depending on the bank and type of loan - ranges between Rs.7,500 and Rs.50,000 of the applicant's monthly net income.

    For self-employed individuals: Banks and NBFCs take into consideration the self-employed individual’s income over the last two years. In most cases, the profit of the individual for the year should be between Rs.1 lakh and Rs.2 lakh for the individual’s loan application to be approved.

    Thane Personal Loan FAQs

    1. What is the maximum personal loan amount one can avail?

      Salaried individuals can avail loans anything up to Rs.25 lakh. In the case of availing a joint loan, the loan amount will increase as the income of both parties are taken into consideration.

    2. Are there any foreclosure charges?

      Banks and NBFCs charge anything between 2-4% of the outstanding amount when the customer makes a foreclosure. That said, in most cases customers can make a foreclosure only 6 months after commencement of the loan.

    3. How can I calculate the EMI?

      You can calculate the EMI using online Personal Loan EMI calculator. The BankBazaar EMI calculator is accurate.

    4. You say the credit score is taken into consideration when one avails a loan. What affects the credit score of an individual?

      Failure to pay your credit bills and loan dues in time affects the credit score of an individual. A good credit score is anything above 750.

    5. How can I pay an EMI towards a loan?

      There are several ways to pay an EMI. You can use your net banking account, credit card, debit card, etc.


    Thane Personal Loan Reviews

    • Capital First Personal Loan
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It had been a very good experience with them and the loan process has got over in 48 hours. The services which they had provided so far had been good and the loan amount which they had provided also had been good and the interest rate with them also had been good as well.
      Was this review helpful? 0
      , thane
      Reviewed on Jul 06, 2018
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am having the personal loan with the HDFC bank and the interest rate is around 30%, also I got the loan amount in immediate basis. They are really superb one to dealt, also am really happy with them till now and I have not felt any issues as such.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 27, 2018
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar.com is good and the executives are really helpful. I would like to say that the customer service is good one with them and the online portal is also easy to access. I am happy with them till now.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 27, 2018
    • Kotak Personal Loan
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I have not got the personal loan with the Kotak mahindra bank because of some other reasons. I would like to say that the interest rate is around 14% for the personal loan. Everything is better one with the Kotak mahindra bank.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 27, 2018
    • Bank Bazaar Personal Loan
      "Right place at right time to get the loan"
      0.5 5.0/5 "Blown Away!"
      I come to know about the loan experience with bankbazaar. I'm new to the banking process and loan services. Bankbazaar has to check with the banks according the interest rate because their is a communication gap between the bankbazaar and bank. This is the first experience with bankbazaar. One of my colleague to go through bankbazaar about the different interest rates and different banks.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 25, 2018
    • ICICI Bank Personal Loan
      "Joyful Experience"
      0.5 4.5/5 "Excellent!"
      I don't face any problem while submitting the documents and other stuff. Their is a communication about the interest rate. I applied the loan amount of Rs. 1 lakhs. I never hardly check about the processing fee. In my account, they have sanctioned around 95000. One time LIC fee and processing fee they deducted from my loan. My first month EMI is starting on July 5th. Overall, I'm happy about the services.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 25, 2018
    • Capital First Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a personal loan from Capital First and my loan experience was good, the loan amount was for Rs 3 lakhs with 13% as interest rate which is nominal rate. Customer service was good and they followed up on time. The tenure period for this loan is for 3 years.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 25, 2018
    • RBL Bank Personal Loan
      "Average card"
      0.5 2.5/5 "Just OK"
      The processing fee and interest is high when i compared other banks. The EMI conversion charges are high in RBL bank. It is 4% for every EMI conversion. The are charging the interest rate and processing its depends on the tenure period what i choose. I will not recommend this bank for Credit card to anyone. I have been using this card for last 1 year. I cannot talk to the customer care. The number is not reachable most of the times.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 22, 2018
    • Bank Bazaar Personal Loan
      "Above Average service"
      0.5 4.0/5 "Great!"
      The uploading the documents its easy. The paperless approval is also there. Its been past two year, I'm using bankbazaar.com. I have purchased my personal loan by using the website. Through Television advertisement i come to know about bankbazaar. I have mobile application with me. They need to improve the quick response to the customer. There was some sort of delay between bank and bankbazaar,com.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 22, 2018
    • IndusInd Bank Personal Loan
      "Average Service from Indusind"
      0.5 3.0/5 "Satisfactory"
      After i have applied in Indusind bank, i have got loan options from some other bank but they were offering a quite low interest rate. I have negotiated to reduced the interest rate but they said its not possible to reduce. Before I'm taking the loan, they said its a 0 processing fee but they have charged Rs. 1300. Their is no insurance policy for this loan. The process was very slow in the bank. They were not clearing mentioned about the interest rate in any of the pages in the application.
      Was this review helpful? 1
      , thane
      Reviewed on Jun 22, 2018
    • Bank Bazaar Personal Loan
      "Nice Website"
      0.5 5.0/5 "Blown Away!"
      Everything is good. Actually i don't remember now about the exact details, but whatever i gone through with bankbazaar it was fine. This is the first transaction with bankbazaar and I'm quite fine with the service what they offered to the customers.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 05, 2018
    • IndusInd Bank Personal Loan
      "Easy to Go"
      0.5 5.0/5 "Blown Away!"
      The best part is the documentation process. My overall process went very smoothly. I got the loan on time. I got the loan value of Rs. 1.40 Lakhs. Their no service charges and processing fee. I have never called up the Indusind personal loan customer care service for further more.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 05, 2018
    • ICICI Bank Personal Loan
      "Good service"
      0.5 3.0/5 "Satisfactory"
      The process has been very good when i have taken this loan, it has taken almost a week to get this loan amount. The process was easy as i already had an account with the same bank. The loan amount had been satisfactory and i have taken it for my personal expenses. The rate of interest also had been less as well, it was 12%.
      Was this review helpful? 0
      , thane
      Reviewed on May 26, 2018
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The overall loan experience had been very good and satisfactory. I have taken this loan for marriage purposes, the process has took more time than usual. But the customer service had been good, the rate of interest was a little high but which was 13%.
      Was this review helpful? 0
      , thane
      Reviewed on May 26, 2018
    • HDFC Bank Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my personal loan wit HDFC bank which was taken 1 year back. The loan amount was 3 lakhs and the interest rate was 10.99% which is average . The tenure period was 36 months. The customer service and responses was really good. The loan was approve don time and I have not faced any inconvenience with the process,.
      Was this review helpful? 0
      , thane
      Reviewed on May 20, 2018
    • HDFC Bank Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I am a privilege customer of HDFC. I had taken loans many times and it was a good experience. The rate of interest was good and competitive than the others. The processing fee will be waived off sometimes due to the offers. They deliver faster service and had received the loan within 2 days also.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 25, 2018
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have approached BANK BAZAAR for the first time. The customer service and responses was up to the mark. The website was user friendly and easy to navigate. I have tried using the tools like EMI calculator and credit score option which is really helpful. My overall experience was excellent in all.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 24, 2018
    • Kotak Personal Loan
      "Good"
      0.5 4.5/5 "Excellent!"
      I have my personal loan with KOTAK Bank. The loan amount was 7.9 lakhs and The Interest rate was 12.69% which is very high than other banks in the market. The tenure period was 5 years . The customer service and responses was up to the mark. The processing fee was very much nominal.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 24, 2018
    • Bank Bazaar Personal Loan
      "One stop solution"
      0.5 4.0/5 "Great!"
      My experience was really good with BANK BAZAAR. The customer service and responses was up to the mark. I have not faced any issue with the service here . The webs portal's accuracy and speed is good . I am happy with the quick application process and the executive were very supportive here .
      Was this review helpful? 0
      , thane
      Reviewed on Jan 24, 2018
    • Aditya Birla Finance Personal Loan
      "Better service"
      0.5 4.0/5 "Great!"
      I have my personal loan from ADITYA BIRLA. The loan amount was 10 lakhs and the Interest rate was 11.25% which is average In the market. They have sanctioned the loan with the committed time and the processing fee was nominal. My overall experience was better and its recommendable.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 24, 2018
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