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
    10.99% - 15.99% Fixed
    Up to 2%
    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
    14% - 33% 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
    10.99% - 17.99% 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

    • SBI Personal Loan
      "High in charges"
      0.5 3.0/5 "Satisfactory"
      State bank of India is high in charges for the loan process. For the personal loan, the interest rate is very high and apart from the interest rate, there is some annual charges applicable. So I did not avail any kind of loans from SBI till date.
      Was this review helpful? 0
      , thane
      Reviewed on Aug 05, 2017
    • Bank Bazaar Customer Support
      "More Prompt"
      0.5 4.0/5 "Great!"
      Bankbazaar was very prompt in all the aspects. I had received good customer support and response from them on my loan application. I had no issues with bankbazaar at any point of time during the loan process. The website is quite easy to access.
      Was this review helpful? 0
      , thane
      Reviewed on Aug 05, 2017
    • HDB Financial Services Personal Loan
      "Better Process"
      0.5 4.0/5 "Great!"
      Interest rate for the personal loan with HDB financial service is ok when compared with other banks which is 13.5%. HDB was very supportive throughout the process and I had received fair service from them. But there is no mobile application with them to check the loan status and details. Good if they create mobile app of HDB.
      Was this review helpful? 0
      , thane
      Reviewed on Aug 05, 2017
    • Bank Bazaar Customer Support
      " Should have communication between Bank and Bank Bazaar"
      0.5 4.0/5 "Great!"
      Its good to choose Bank Bazaar, because they have paper less work to avail loan and other financial products. Bank Bazaar is easy to access and their executives are responded well. Initially they have taken some time to process the loan. I would like to suggest Bank Bazaar should provide proactive response.
      Was this review helpful? 0
      , thane
      Reviewed on Aug 03, 2017
    • ICICI Bank Personal Loan
      "They should be transparent"
      0.5 3.0/5 "Satisfactory"
      Interest was charged high with the current ICICI bank, the person who coordinated with me, they told 14.35% was a least rating. Which offered to me but the same branch offering lesser than this interest rate and also they have taken Rs.11,000 as processing fee and insurance fee from the disbursement. It would be great if they give transparent information to the customer.
      Was this review helpful? 0
      , thane
      Reviewed on Aug 03, 2017
    • HDFC Bank Personal Loan
      "Unhappy with the services"
      0.5 2.0/5 "Expected more"
      I have taken a personal loan from HDFC Bank earlier and also closed the same. The loan process was not much satisfactory. The closure was also not easy as well. The documentation was heptic and the interest rate and charges was on the higher side too.
      Was this review helpful? 0
      , thane
      Reviewed on Aug 02, 2017
    • ICICI Bank Personal Loan
      "Inconvenient process"
      0.5 2.0/5 "Expected more"
      My earlier experience with ICICI Bank was not up to my satisfaction. The process of documents was not easy, it was a hectic process. The interest rate and charges was also high. I have taken a personal loan and it was not a quick one like the current experience.
      Was this review helpful? 0
      , thane
      Reviewed on Aug 02, 2017
    • Bank Bazaar Customer Support
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      Bankbazaar process is too quick as well as their service too. They were on time in contacting me and give me the details. There could be an improvement in the website for the document upload and the website can be more technically fast as well.
      Was this review helpful? 0
      , thane
      Reviewed on Aug 02, 2017
    • ICICI Bank Personal Loan
      "Overall good. But the roi and processing fee should be less"
      0.5 4.0/5 "Great!"
      The process with ICICI Bank was good and on time. I have taken a personal loan. The rate of interest was around 14% and the processing charges was of 2500 or 2900 approximately. They need to work on the interest rates and the charges as they are high on it.
      Was this review helpful? 0
      , thane
      Reviewed on Aug 02, 2017
    • 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
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    Thane Personal Loan is Rated as "Great!" by 681 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

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    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 17 Aug 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
    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.


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