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Banks and financial institutions are liberal in sanctioning Personal Loans, especially to borrowers having good credit scores (in the range of 650 and above).

Name of Personal Loan provider
Interest Rates
  • Interest rate starting from 8.25% to 11.5%
Tenure
  • Ranging from 12 to 60 months
Loan Amount
  • Maximum Loan Amount – 80 Lakhs
Fees
  • 2.25% of the sanctioned loan amount with a minimum of 999
  • Prepayment Fee at 5% p.a. of principal outstanding + GST
  • Loan cancellation charges – 3,000 + GST
Eligibility for Salaried Employees
  • Age between 23 and 58 years
  • ┬áMinimum monthly income – 17,500
  • For Mumbai and Delhi borrowers – 25,000
  • For Chennai, Hyderabad, Bengaluru, Pune, and Kolkata – 20,000
  • Two years stable employment
  • One year continuous stay at your residence
Eligibility for Self Employed
  • Age for self-employed individuals – 28-65 years
  • Age for Doctors – 25-65 years
  • Minimum Turnover for Non – professionals – 80 Lakhs
  • Minimum Turnover for Professionals – 15 Lakhs
  • Minimum Profit after tax for Proprietorship/ partnership & self employed individuals – 2 Lakhs
  • Minimum Profit after tax for non- professionals – 1 Lakh
  • Business stability of 5 years in current business for Self employed individuals
  • For Doctors – 3 years of business stability
Features
  • No security or guarantor
  • Balance transfer of another bank’s loan
  • Quick approval within 72 hours
  • Loan insurance
Types of Personal Loans
  • You can avail a Personal Loan for a wedding, home renovations, and go on vacation

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