Personal Loan in Kurnool
- Loan ID : N0179
- 732
- 0
- Personal Loan
- State : Andhra Pradesh
Kurnool is a city in one of the districts of Andhra Pradesh. It lies on the banks of Tungabhadra River and also it is the most popular city of the state.
Different Bank and their Interest Rates:
Banks | Rate of Interest | Processing Fee | Loan Amount | Pre-Payment Charges | Disbursal Time | Part 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 |
IndusInd Bank | 12.99% - 20% | 0.5% -2% | Rs.1,00,000 - Rs.25,00,000 | 4% | 4 working days | No |
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 |
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 |
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 |
Standard Chartered | 11.50% - 18%
| 0 - 1%
| Rs.1,00,000 - Rs.30,00,000
| Upto 5%
| 3-4 Working days
| Yes |
Fullerton India | 11.99% - 26%
| 2%
| Rs.50,000 - Rs.15,00,000
| Upto 7.00%, 0% after 3 years | 2-8 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 |
Bajaj Finance | 11.99% - 16%
| Upto 2%
| Upto Rs.25 Lacs
| Upto 4% post 1st EMI clearance | Approval In 48 Hours
| 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 |
Loan Eligibility Criteria:
If a loan is taken, a person is held accountable to repay the loan amount on time. Bank undergoes a complete check of the portfolio of each person before sanctioning the loan. The terms and conditions can be followed:
Salaried | Self - Employed |
Metros: Minimum salary requires is 15,000 per month
Other cities : Minimum salary required is 12,500 Per month | Metros: Minimum salary required is 15,0000
Other cities : Minimum ITR is 15,0000 |
Documents Required:
There are various documents which will be required at the time of availing a loan.
Age Proof: Pan Card, Passport, Voters Id or Driving license will be required.
Address Proof: Passport, Telephone bill, Electricity bill
Income Proof: Salary for last month
Job continuity proof: Relieving letter or appointment letter will be required
Banking History: Banking Statement of previous two months.
Interest Rate of Personal Loan Kurnool
As we have discussed, there are various banks, and they have varying interest rates. The interest rates vary from person to person. The salary and the Cibil score are the two options. The interest rate of personal loan is generally from 10.75% per year.
Tenure of Personal loan
The mandate of Personal loan is generally from 1 year to 5 years. Availing a personal loan in India comes up with a lot of hassle. However, with the advent of digitalization, things have become much more straightforward. Apply-Loan can help in secure processing of Personal Loan in Kurnool. Here are few points:
Quick Loan Approval: All the documents can be scanned at a faster pace. Also, we can apply for a loan anywhere between Rs. 10000 to Rs 5 lac
Flexible and Customized: There is a tie period of 3-12 months, which is provided in order to repay the loan.
Entirely Online: There is a complete paperless interface that we can work with. Everything can be accessed online without any hassle.
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