Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 32 Thane Personal Loan
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    Interest Rate Range
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    Tenure Range
    10.99% - 17.99%
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    1-5 Years
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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
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    11.49% - 18.25% Fixed
    0 Bankbazaar Exclusive
    20L Max
    1-6 Years
    Response Time : Within 30 minutes
    Rs.750 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.750 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
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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.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    11% - 16% Fixed
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    25L Max
    1-5 years
    Response Time : Within 30 minutes
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    11.00% - 18.25% Fixed
    From .75% (min. ₹999 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time : Within 30 minutes
    Rs.750 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.750 Amazon Voucher 100% PAPERLESS APPROVAL
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    12.49% - 33% Fixed
    6.0% One time fee
    15L Max
    1-4 Years
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    13.49% - 19.99% Fixed
    Up to 2%
    Upto 25L
    1-5 years
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  • Thane Personal Loan is Rated as "Great!" by 780 Users

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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 18 Nov 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

    • Bank Bazaar Personal Loan
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I am using the services of bankbazaar from last 3-4 months, the services provided by bankbazaar is good when compared to others. Customer service was good and they responded on time. Mobile app is easy to navigate and user friendly to use.
      Was this review helpful? 1
      , thane
      Reviewed on Nov 16, 2018
    • Early Salary Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My experience was good with Early Salary for personal loan, they gave the loan amount for Rs 10000 for the tenure period of 30 days with nominal interest rate. They gave a less limit for this loan. Customer support was good and they followed up on time.
      Was this review helpful? 1
      , thane
      Reviewed on Nov 16, 2018
    • Fullerton Personal Loan
      "Need to reduce the interest rate & improve customer service"
      0.5 2.0/5 "Expected more"
      I do have a personal loan with Fullerton and it was taken earlier. The loan duration is 5 years and I have completed one year. Actually the interest rate is too high. They are not providing a good service, I have issue on the settlement cheque. Am paying monthly 10,850 rupees for the personal loan.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 15, 2018
    • Bank Bazaar Personal Loan
      "One stop solution"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar is good and I have taken my personal loan. I am using the website for near about 1.5 years. I have taken some other products and it was easy to do the comparison. I have been using mobile application which is very easy to operate. I had checked the credit score.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 15, 2018
    • Early Salary Personal Loan
      "Interest rate should be redcued"
      0.5 5.0/5 "Blown Away!"
      Early Salary service is good and it was a quick disbursal. The rate of interest was quite high when compared with the banks. I have taken just 17K and they have charged near about 16,00 rupees. The executive contacted me and I have uploaded the documents on the online site.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 15, 2018
    • Bank Bazaar Personal Loan
      "Good website for personal loan"
      0.5 4.5/5 "Excellent!"
      Bankbazaar is good website for good offers. I have been using the bankbazaar website for a long back like 6 years. I have come to know about the bankbazaar through one of my friend. Customer care people are not frequently called me and as per my request they do a follow up on time.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 13, 2018
    • Tata capital Personal Loan
      "Good services from TATA CAPITAL"
      0.5 4.5/5 "Excellent!"
      Due to less interest rates i have chosen the TATA Capital for my personal loan. I have applied the loan amount of Rs. 3 lakhs and they have provided the same to me. I'm happy about the interest rate they have given to me. There is no charges for processing fee. There is a option for pre-closure and partial payments. There is no extra charges for pre-closure. I don't have any problem with TATA CAPITAL so far.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 13, 2018
    • Bank Bazaar Personal Loan
      "Quick and Good services"
      0.5 4.0/5 "Great!"
      I have done most of the process through online and i have never visited their branch. There is a proper follow up on a regular basis. Around two years, i have started using the bankbazaar website. Through internet i have come to know about this website.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 13, 2018
    • Tata capital Personal Loan
      "Quick and timely resolution"
      0.5 4.0/5 "Great!"
      The interest rates were quite competitive. I have selected the TATA CAPITAL because of the terms were so comfortable as I'm compared to others. I have chosen the tenure period of 4 years. They have offered me a interest of 11% and I'm okay with it and the processing fee was nil. Still i have not received the documents of personal loan.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 13, 2018
    • Kotak Personal Loan
      "Need to reduce the interest rate"
      0.5 2.0/5 "Expected more"
      I have applied my personal loan in Kotak Mahindra Bank. I have a saving account and expecting the loan with them but the rate of interest was 19% for 2L which is very high compared to other banks. I got a proper response. I have cancelled the loan and gone for HDFC Bank.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 12, 2018
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Bank Bazaar is very helpful to get my personal loan easily. Actually I don't have account with HDFC Bank, when I approach the bank it was very complicated. The service and the response was good. The website is very easy to operate. I got a message from bank bazaar and I tried once and their service was very much satisfactory.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 12, 2018
    • HDFC Bank Personal Loan
      "Good"
      0.5 5.0/5 "Blown Away!"
      HDFC is a good bank and they processed the personal loan immediately. The rate of interest was average, it was around 13% and the processing fee around 1% of the loan. The tenure period is 48 months. I have to pay 5968rupees which will be debited automatically from my account. The documentation process carried out by online and also given to executive.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 12, 2018
    • HDFC Bank Personal Loan
      "need to improve service, quality, interest & transparency"
      0.5 2.0/5 "Expected more"
      I took a personal loan with HDFC Bank before 1.5 years and it was completed. I am not at all happy with the service not with the interest rate. There is a hidden charges on foreclosure payment, begining they said 2.5% when I actually want to complete that time they said 4.5% if I complete before 2 years which is really unhappy.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 12, 2018
    • Bank Bazaar Personal Loan
      "One stop solution for credit"
      0.5 4.0/5 "Great!"
      It is the first time with bank bazaar, I have gone through website and emails. I know the website and used to check the interest rate periodically but the first time availed a personal loan. The representative has to be more polite and kind to the customers. The user interface is very great and responsiveness.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 12, 2018
    • Tata capital Personal Loan
      "Revert time to be more triggered & proactive"
      0.5 2.5/5 "Just OK"
      The process was very slow and they took lot of days for the personal loan. I have believe it should be within 5 days but it takes longer than that. They delivered the amount excluding processing charges. They need to improve the customer service. The rate of interest is better than the market. Eventually they reduced the interest rate, If the customer have good credit score.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 12, 2018
    • Bank Bazaar Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      The customer service and response is very good. This is the first time, I have taken a personal loan through bank bazaar. I known through advertisement. The login process was simple, it requires personal, bank and pan details to process the loan. I opt the loan with lowest interest rate.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 12, 2018
    • Tata capital Personal Loan
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I think the rate of interest and charges are reasonable. The loan was approved within 4 to 5 days. The documentation procedure was simple. There is an option for part payment, I opt the loan for 4 years and have to pay totally 4.96L with the interest rate. The customer service was good in Tata Capital.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 12, 2018
    • Bank Bazaar Personal Loan
      "One of the best portal where we can compare the n number of "
      0.5 4.0/5 "Great!"
      Bankbazaar is a such a portal which is having a multiple options where we can best thing. The customer care people are good and they have very good product knowledge and understand the customer's mindset. This is the first time i have used the website. I have seen the ads on the Internet from that i have come to know about this website.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 01, 2018
    • Tata capital Personal Loan
      "One of the best option available in the market"
      0.5 5.0/5 "Blown Away!"
      Compared to other options, TATA Capital is providing the best services. The interest rates are compared to other options available, its on the lower side. I don't exactly remember about the interest rates and processing fee. I have applied the loan amount of Rs. 2 lakhs and got the same. The loan got bit delayed. There was some communication gap in the documentation process. Overall, it was good.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 01, 2018
    • Bank Bazaar Personal Loan
      "One of the best portal where we can compare the n number of "
      0.5 4.0/5 "Great!"
      Bankbazaar is a such a portal which is having a multiple options where we can best thing. The customer care people are good and they have very good product knowledge and understand the customer's mindset. This is the first time i have used the website. I have seen the ads on the Internet from that i have come to know about this website.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 01, 2018
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