




Different Banks offering different interest Rate
Banks | Rate of Intrest | Processing Fee | Loan Amount | Prepayment Charges | Disbursal Time | Part Payment Option |
Kotak Bank | 10.50% - 16.99% | 0.99% - 2.5% | Rs.(100,000 - 20,00,0000 | 1 Zero (if loan Amount is more than 10 lakhs) 2 Else 5% | 3 - 4 working days | YES |
Citi - Bank | 11.49% to 16.50% | Upto 2.0% + 0.5% (waiver on PF) Special surprise gift from Citi Bank
| Rs.1,00,000 - Rs.30,00000 | Upto 3% | 48 hours | Yes |
ICICI Bank | 11% - 17.50% | 1 Rs.999 for Special offers 2 otherwise 1% - 2.5% | Rs.(50,000 - .20,00,000) | 1 Nil (For Loan amount >10 lacs & 12 2 EMI paid), else 5% | 3 - 4 working days | No |
Bajaj Finance | 11.99% - 16% | Upto 2% | Upto Rs.25 Lacs | Upto 4% post 1st EMI clearance | Approval In 48 Hours | Yes |
Standard Chartered | 11.50% - 18% | 0 - 1% | Rs.(1,00,000 - .30,00,000) | Upto 5% | 3-4 Working days | Yes |
Fullerton India | 11.99% - 26% | 2% | Rs.(50,000 - .15,00,000) | Upto 7.00%, 0% after 3 years | 2-8 days | No |
IndusInd Bank | (12.99 – 20)% | (0.5 -20% | Rs.(1,00,000 - 25,00,000) | 4% | 4 working days | No |
HDB Financial Services | (16 - 21)% | up to 2% | Rs.(100,000 to .15,00,000) | 1 Nil for Selected Corporates Employees (CAT A & B). | 2 days - 7 days | No |
Tata Capital | (11.99 – 17)% | Rs.(999-2.50) % | Rs.(75,000 - 15 Lacs) | Part Prepayment Charges: Nil (Allowed Post 6 months, Once a year, 25% of Principal Outstanding) | Loan disbursement in 3-4 days |
Yes |
Hdfc Bank | 10.99% - 20.99% | Rs.1999 - 2.5% | Min. 50,000 Max. as per eligibility | Nil (For Loan amount>10 lakhs and 12 EMI paid), else 4% | 3 - 4 Days | No |
Eluru is one of the states of Andhra Pradesh. It is well – frames state which offers multiple opportunities for the loan facility.
While seeking a loan, the banks verify and take into notice a more significant number of factors that can include income, employment, continuity of business. Banks check the credibility and authenticity of the lender. It is essential to verify whether the borrower can repay the loan or not.
Self Employed | Salaried |
Metro City: Minimum Salary required is RS15,oo0 | Metro city: Minimum Itr is Rs150000 |
Other Cities: Minimum Salary - Rs. 12500/- p.m | Other Cities: Minimum ITR- Rs. 150000/- |
Tenure for a Personal Loan :
A personal Loan can be repaid within tenure 12 to 60 months.
Time taken for Approval of a Loan:
The total time taken for the approval will be 72 hours after the entire process of is over.
Benefits of Acquiring a Personal Loan :
Hence, you can apply for a Personal loan without any hurdle and fulfil all your dreams!
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