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18 Votes
Khammam is one of historic places and one of the beautiful city in Andra Pradhesh. We can avail a Personal loan in Khammam at a lower rate of Interest and lowest Emi with no hidden charges. Top of Form
Different Banks and their Interest Rate
Banks | Rate of Interest | Processing Fee | Loan Amount
| Prepayment Charges
| Disbursal Time
| Pre-Payment Option |
Kotak Bank | (10.50% - 16.99)% | 0.99% - 2.5%
| Rs.100,000 - Rs.20,00,000
| Zero (if loan Amount is more than 10 lakhs) Else 5%
| 3 - 4 working days
| Yes |
ICICI Bank | 11% - 17.50% | Rs.999 for Special offers otherwise 1% - 2.5% | Rs.50,000 - Rs.20,00,000 | Nil (For Loan amount >10 lacs & 12 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 - Rs.30,00,000 | Upto 5%
| 3-4 Working days
| Yes |
Citibank | 11.49% to 16.50% | Upto 2.0% + 0.5% (waiver on PF)
| Rs.1,00,000 - Rs.30,00,000
| Upto 3%
| 48 hours
| 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 |
Tata Capital
| 11.99% - 17%
| Rs.999-2.50%
| Rs.75,000 - Rs.15 Lacs
| Part Prepayment Charges: Nil (Allowed Post 6 months, Once a year, 25% of Principal Outstanding)
| Loan disbursement in 3-4 days
| Yes |
HDB Financial Services | 16% - 21%
| up to 2%
| Rs.100,000 to Rs.15,00,000
| Nil for Selected Corporates Employees (CAT A & B).
| 2 days - 7 days
| No |
IndusInd Bank | 12.99% - 20% | 0.5% -2% | Rs.1,00,000 - Rs.25,00,000 | 4%
| 4 working days
| No |
Fullerton India | 11.99% - 26% | 2% | Rs.50,000 - Rs.15,00,000 | Upto 7.00%, 0% after 3 years | 2-8 days | No |
Eligibility Criteria:
People fall into two categories. Both of them can be Working class or Running their own business.
Anyone can acquire a Personal Loan. However, we must keep some points in a note. This is a primary line that most individuals fall into.
In case of Salaried, a minimum of 15,000 per month and Itr of Rs 15,0000 is required for a Business person.
Documentation Process
To process the loan application, there are a particular set of documents that will be required.
- Identity Proof
- Pat 6 months Bank statements
- Proof of living
- Past Salary Slip
Note: In case, an individual is running a business or falls under the category of self-employed, There will be a particular set of documents that will be required.
These include a balance sheet, profit and loss account, partnership deed and another set of mandatory documents.
Benefits of applying for a Personal Loan in Khammam
1) There is a lot of flexibility as the applicant can select a plan depending on his income and repayment capability.
2) Personal Loan does not hold any boundation. It is open for all purposes, and a particular person can overcome all his financial problems.
3) Collateral free loan. This is the best part as no security is required against availing a loan.
4) Also, there is no need for a co-signer.
There are different options. We have financial advisors who guide you in terms of the best loan as per the roles and goals.
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