Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 31 Thane 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
    What you'll love
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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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  • Thane Personal Loan Reviews

    • Bank Bazaar Customer Support
      "Very accurate and progressive it is very quick too"
      0.5 4.5/5 "Excellent!"
      I like the way bank bazaar site is responding, as it works in a very good manner and it works very quickly giving all details so that there is no query in our mind for what we have opted again with in two minutes call comes to us (i e) very quick response and it is very much trustworthy too.
      Was this review helpful? 0
      , thane
      Reviewed on Jul 15, 2017
    • Bank Bazaar Customer Support
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am using Bankbazaar.com from the last one month of time and it was referred by my friend. Response with the Bankbazaar.com and I would like to say that the website is well designed. Customer service is quick and their response too.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 21, 2017
    • Kotak Personal Loan
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      Experience was good and quick with the Kotak Mahindra bank for the personal loan, which I have got. The rate of interest was around 11.5% and the customer service, response was also went in the smooth way. There were no hindrances, which I have faced with the Kotak mahindra bank.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 21, 2017
    • Bank Bazaar Customer Support
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I got a wonderful response from bankbazaar customer service with respect to my personal loan application. With the help of promotional mails I got to know about bankbazaar. I had applied for the loan through this site webportal as far as the site is concerned it is very much easy to use and user friendly. I know bankbazaar for the past 2 years. I am very much happy with bankbazaar customer service.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 20, 2017
    • HDB Financial Services Personal Loan
      "Below average service"
      0.5 4.0/5 "Great!"
      I was expecting HDB financial services to bring down the interest rate however I have not got any reply till date. They had offered me the loan for an interest rate of 15.99% which is very high when compared with others. Customer service offered by HDB financial services needs to be improved. Even the rate of interest needs to be lowered. Therefore I would describe their services as below average.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 20, 2017
    • Bank Bazaar Customer Support
      "Excellent & smooth services"
      0.5 5.0/5 "Blown Away!"
      The overall experience has been very good for me at Bankbazaar. The customer services and response has been on time. I appreciate the support what they get with respect to this process. The website is good, but the registration process can be made more simple and it is all in one page. For example, if I need to enter my DOB, I first click the option as to what my age is and then there are two more options which pops up asking for the month , year and the date. Where as I could just type in my DOB and make it more simple.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 16, 2017
    • Standard Chartered Bank Personal Loan
      "Convenient & quick process"
      0.5 5.0/5 "Blown Away!"
      The level of service rendered by Standard Chartered Bank was excellent. The whole process took five days, including the document collection for the personal loan. I also got the loan of two Lakhs as requested. The rate of interest was of 11.99%, it could have been lesser. The processing charges charged was zero.,
      Was this review helpful? 0
      , thane
      Reviewed on Jun 16, 2017
    • Bank Bazaar Customer Support
      "Good Financial Advisor"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar gave prompt response instantly they connected with Indusind, whatever I need they fulfilled on the loan process. Bank Bazaar executives are supportive, whenever I give any inquires they immediately respond, also the process is very speedy. The application is good to check interest rate, EMI option etc.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 16, 2017
    • IndusInd Bank Personal Loan
      "Hassle free experience"
      0.5 5.0/5 "Blown Away!"
      The bank service was very good, they are very cooperative. I approached Indusind bank for the personal loan for my daughter studies, Their people involved and helped to get the loan faster before the time. Interest is also nominal they gave break up of the rates, that good.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 16, 2017
    • Bank Bazaar Customer Support
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      The bank bazaar gave very good cooperation in concern to my personal loan. The service with bank bazaar is very good and I would say the bank bazaar web site is easy to use and user friendly. The customer service with bank bazaar helped me to get in touch with the bank partner. Bottomline, I am very much happy with the service.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 15, 2017
    • Standard Chartered Bank Personal Loan
      "Very Good service"
      0.5 5.0/5 "Blown Away!"
      The service rendered by Standard charted bank was very good. They took around 1 week to disburse my personal loan. The rate of interest is nominal with SCB. The customer service is good with SCB. I am happy about the loan amount and I am very much satisfied with the service.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 15, 2017
    • HDFC Bank Personal Loan
      "Its Good"
      0.5 4.0/5 "Great!"
      I took the personal loan from HDFC in last month, My loan amount is 1.71 lakh for the tenure of four years. They gave EMI of Rs.4600 on monthly basis, HDFC interest rate is bit high compared HDB finance. I am quite happy with HDFC service for the personal loan.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 15, 2017
    • Bank Bazaar Customer Support
      "Good Financial website provider"
      0.5 5.0/5 "Blown Away!"
      First time I approached Bank Bazaar, they gave best experience in the personal loan process, their executive gave regular follow up on my loan application. Response time is really appreciable even the Bank Bazaar mobile app is really excellent, I could upload all the documents through online, I have taken bank statement also through their application.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 15, 2017
    • HDB Financial Services Personal Loan
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      HDB Finance called me every time and they gave regular follow up, they only taken ten days to process my personal loan. I have taken the amount of Rs.3 lakhs for the tenure of the five years, My EMI amount is Rs.7800 , HDB finance taken 2% of processing fee from the loan process.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 15, 2017
    • Bank Bazaar Customer Support
      "Good Experience "
      0.5 4.5/5 "Excellent!"
      I had not faced any kind of issues with Bankbazaar. Executives of bankbazaar were very much co opearative. Their website is really helpful to choose the bank for the loan process and the entire process went smooth with them. It was a good experience with bankbazaar.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 12, 2017
    • Standard Chartered Bank Personal Loan
      "Very Good Service"
      0.5 4.5/5 "Excellent!"
      Standard Chartered Bank delivered very good response for my personal loan application. Interest rate is quite normal. Moreover, I had no issues with SCB during the process. People from SCB helped me a lot, actually I requested them to disburse the loan on 31st May but they disbursed before 31st May.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 12, 2017
    • Bank Bazaar Customer Support
      "Excellent"
      0.5 4.0/5 "Great!"
      Bankbazaar.com is a good website and I like the information, which is crisp and precise about all the financial products. Look of the site is good too. This is the first time, I am experiencing the Bankbazaar.com, also the response is very good one with them.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 10, 2017
    • Tata capital Personal Loan
      "Satisfied and good"
      0.5 3.5/5 "Pretty good"
      Tata capital Limited has provided a better deal for my personal loan, which I have got. Everything was done in an instant way and the loan amount got disbursed within a week of time, also I felt it was bit of delay and that part needs to be get worked on.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 10, 2017
    • Bank Bazaar Customer Support
      "Best experience"
      0.5 5.0/5 "Blown Away!"
      It was great and very simple to apply for loan through bankbazaar. so easy and simple documentation procedure . i thought it would be messed up if I apply for a loan with thousands of banks, but bankbazaar had really prove me wrong on my thinking about loan.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 02, 2017
    • Bank Bazaar Customer Support
      "Easy to nagivate and good financial advisor"
      0.5 5.0/5 "Blown Away!"
      The follow up was taken by Bank Bazaar on the loan process is really good, time to time they have contacted me and updated the loan status. Bank Bazaar website is easy to navigate, I could check the various offers. Most of customers are using Bank Bazaar to check the bank offers.
      Was this review helpful? 0
      , thane
      Reviewed on May 31, 2017
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    Thane Personal Loan is Rated as "Great!" by 672 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    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 23 Jul 2017

    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

    Personal Loan in Thane

    In Thane, personal loans are offered by the top banks 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. 


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