Personal Loan

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Personal Loan

Personal loan is the obvious choice if you need a finance for Personal finance, Medical emergency, Wedding purposes, Abroad Travel, Holidays, Child education and if for buying durable things. Means if you have a requirement of money. so personal loan is the best choice

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INTEREST RATES

ELIGIBILITY

Minimum per Month Income of 18500 required in other Metro cities
Minimum per Month Income of 12500 required in other cities like Tier 1, 2 & 3.
Age Must be above 21 Years.
Regular Source of Income with Valid proof of income like – Pay Cheque, Account Transfer. Cash salary is not considered by any bank.
Minimum 6 Month stability in current company for Salaried, 2 Years ITR for self-employed / Professionals.
CIBIL Score must be above 750 points.

If you want to check for how much loan amount you are eligible, so go through this link which let you know the exact amount on the basis of your Net monthly Income, Liabilities, No. of dependents etc etc.

CALCULATOR

Personal loan emi calculator is the essential tool which helps borrowers to check how much per month emi have to pay for the borrow amount from the bank. Borrowers calculate the per month emi on the basis or in just three simple steps

Go to Calculator Page
Enter required loan amount
Enter Interest rates on which bank offer the loan
Enter the tenure or repayment period
Then Calculate

Results shown to you by calculator on the basis of your entered details in the calculator. For example if you applied for 2 lakh of loan amount @ 15.50% rate of interest for 4 years repayment period than you have to pay Rs. 5616.97 per month for 4 years.

PERSONAL LOAN FOR SELF EMPLOYED

Almost all banks offers personal loan to self-employed persons on the basis of business stability & last 2 or 3 years Income tax returns. Interest rates are also on the higher side for the comparison to salaried people.

Maximum loan amount avail upto 15 lakhs.
Maximum tenure period is 5 Years.
Mandatory bank account, Part payment option is not available for self employed borrowers.

INTEREST RATES

Interest rates on any loan plays an important part so always choose the lowest one is beneficial. Personal loan interest rates for most of the banks starts from 11.59% to 22.00%. Some banks offer special interest rates to its customer on the basis of Company, Profile, Residential status, Income per month. Banks offer lowest rates to only CAT A based company employees. So have a look at major banks personal loan interest rates below:

TOP BANKS FOR PERSONAL LOANS IN INDIA

HDFC

HDFC bank offers personal loans to salaried, self employed, professionals, doctors, CA’s for upto 25 lakh.

Why to choose HDFC Bank?

No Hidden Charges, Reasonable processing fees
Special Offers for women borrowers
Be earning at least Rs. 12,000/- per month net income (Rs. 15,000/- in Mumbai, Delhi, Bangalore, Chennai, Hyderabad, Pune, Calcutta, Ahmedabad, Cochin)
Interest Rates starts from 11.99% p.a*

State Bank of India personal loan is the most searched term in government banks list. State bank of India offers personal loan to Salaried individual of good quality corporate, self employed, engineer, doctor, architect, chartered accountant, MBA with minimum 2 years standing.

Minimum Income required Rs.24,000/- in metro and urban centres
Minimum Income required Rs.10,000/- in rural/semi-urban centres
Interest Rates starts from as low as 12.60% p.a*
Zero pre payment charges

ICICI

ICICI Bank offers personal loans up to Rs. 20 lakh for salaried, up to Rs.30 lakh for self employed and up to Rs.40 lakh for doctors.ICICI Bank offer flexible repayment option of 12-60* months.

Interest Rates starts from 11.49% p.a*
Disbursement within 72 working hours
No Security / No Collateral
Flexible tenures upto 60 months.

Bajaj Finserv is the one of the fastedt growing company in terms of personal loans as per current market scenarios. Borrowers looking for bajaj because of its best repayment plans, lowest rates & transparent policy.

Instant Online Approval
Funds transfer to your account within 72 hours
Maximum loan amount of Upto 25 Lakh
Minimum Income required are Rs.25000
Processing Fees of 2.25% to 3.00% of the loan amount

Axis

Axis bank’s personal loans will give you a helping hand meet all your personal requirements.

Loan amount from 50000 to 15 Lakh
Loan available to salaried individuals only
Simple procedure, minimal documentation and quick approval
Rate of Interest starts from 15.00% p.a*
Available in 65 Locations throughout the India