Personal Loan in Gujarat

Salaried Self-Employed

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Minimum Loan amount is Rs.15,000 !

Maximum Loan amount is Rs.75 Lakhs !

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Salary should be Minimum Rs.10,000!

Salary should be Maximum Rs.10 Crores !

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Minimum Turnover Should Be Rs. 3 Lakhs!

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Interest rate start 10.75% * Upto 40 Lacs
Loan Duration: 12 – 60 months*

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Minimum Loan amount is Rs.15,000 !

Maximum Loan amount is Rs. 75 Lakhs!

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Enter Your Monthly Salary!

Salary should be Minimum Rs.15,000!

Salary should be Maximum Rs.10 Crore!

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Minimum Turnover Should Be Rs. 3Lakhs!

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Interest rate start 10.75% * Upto 40 Lacs
Loan Duration: 12 – 60 months*

4.5 /5(500 Votes)

Personal Loan in Gujarat

Overview of Personal Loan in Gujarat

Personal Loan in Gujarat provides financial backing against any kind of monetary needs without taking any security. So, an unsecured Personal Loan in Gujarat is offered at an attractive interest rate with flexible EMI option for a tenure up to 5 years. With easy Personal Loan in Gujarat, you can avail loan up to Rs. 25,000 to Rs. 25 lakhs depending on the eligibility criteria. Applicants with high CIBIL score and good repaying capacity with no burden of debt to pay can easily avail low interest Personal Loan in Gujarat. But you will be charged a higher interest in case of low cibil score Personal Loan in Gujarat. There are many personal loan providers in Gujarat which offers instant Personal Loan in Gujarat with minimum paperwork and easily approved loan process.

Why you should opt for Personal Loan in Gujarat?

Gujarat is a state in India’s western part, which is rich in agricultural, industrial as well as business sector. The state is also famous for its rich culture, education, energy, infrastructure and also well connected transportation system. Gujarat is also very famous for its tourist spots. Most importantly Gujarat has the lowest unemployment rate thus attracting huge migration. As a result of this high economic condition, people need more money to maintain their lifestyle or meet their financial needs. So, Personal Loans in Gujarat is a one-stop solution to your financial crisis. There are many states in Gujarat which offers easy Personal Loan in Gujarat like- Personal Loan Vadodara Gujarat, Personal Loan Surat Gujarat, Personal Loan Bhavnagar Gujarat, Personal Loan Jamnagar Gujarat, Personal Loan Ahmedabad Gujarat, Personal Loan Ankleshwar Gujarat, Personal Loan in Anand Gujarat.

Here are some important reasons as to why should you opt for Personal Loan in Gujarat-

  • With Personal Loan in Gujarat, you can easily resolve the problem of financial needs.
  • Your loan experience becomes very hassle free using Online Personal Loan in Gujarat.
  • Unsecured Personal Loan in Gujarat does not take any mortgage as security.
  • Personal Loan in Gujarat for salaried and Personal Loan in Gujarat for self emloyed helps in meeting the financial needs of the salaried and self employed applicants.
  • For Personal Loan in Gujarat, you will be charged a low processing fee with no hidden charges.

Eligibility Criteria for Personal Loan in Gujarat

To avail low interest Personal Loan in Gujarat, you need to meet the eligibility criteria. A high CIBIL score of 750 or above with decent income are the most important eligibility criteria for Personal Loan in Gujarat.

Following are some of the common eligibility which needs to be satisfied to avail Personal Loans in Gujarat-

Personal Loan in Gujarat Eligibility Criteria

Salaried

Self-Employed

Age

21 years to 60 years

25 years to 65 years

Profession

Working in any private sectors or MNCs, or anygovt organization

Public or Private ltd. companies, Business Professionals, sole propritership firms, partnership firms, etc.

Income

Min amount. Rs. 20,000

Min Turnover- Rs. 1 crore

Experience of Work

Minimum of 2 years work experience and minimum 1 year in the present organi

Continuity of Business for at least of 3 years

CIBIL score

750 or above

750 or above

Loan Amount

Up to Rs. 25 lakhs (may vary as per the banks or NBFCs)

Up to Rs. 30 lakhs (varies according to the banks and NBFCs)

Documents required for Personal Loan in Gujarat

Here are the essential documents for Personal Loan in Gujarat-

  • Filled Application form for Personal Loan
  • Passport size photograph
  • Proof of ID- Ration Card, AADHAR Card, PAN Card.
  • Proof of Residence- Passport, Driving License, Utility Bills like- Gas or Electricity, Water Bills
  • For Self-Employed

    • Balance Sheet as well as Copy of P&L statement of last 2 years
    • Verified papers of Memorandum and Articles of Association/Sales Tax Certificate/Trade License/Partnership Deed
    • Copy of ITR of last 36 months.
  • For Salaried

    • Last 3 months of salary slip.
    • Form 16 copy.
    • Last 6 months updated bank statement.

Personal Loan Interest Rates in Gujarat of different Financial Institutions

Following is the list of Personal Loan Interest Rates in Gujarat of different banks and NBFCs-

Banks

Loan Tenure

Interest Rates

Pre-Closure Charges

Processing Fees

YES Bank Personal Loan in Gujarat

1-5 years

12.49%*

Within 12 to 24 months: 4% Within 24 to 36months: 3% Within 36 to 48 months: 2% After 48 months : No charges.

2% or 3% of the principal

ICICI Bank Personal Loan in Gujarat

1-5 years

11.49%*

5% of outstanding principal + GST

Rs. 999*

Axis Bank Personal Loan in Gujarat

1-5 years

15.50%*

NIL

Up to 2.00%

TATA Capital Personal Loan in Gujarat

1-6 years

13.99%*

4.5% of the outstanding principal. And NIL for the initial 6 months

Up to 2%

Kotak Mahindra Bank Personal Loan in Gujarat

1-5 years

11.50%*

5% of outstanding principal.

Up to 2.5%

Aditya Birla Personal Loan in Gujarat

1-5 years

11.75%*

4% of principal outstanding in 1st year, 3% in the 2nd year, and thereafter preclosure permitted after 6 months.

1% of principal.

HDFC Bank Personal Loan in Gujarat

1-5 years

10.99%*

Between 2% to 4% of the outstanding principal.

Up to 2.50%

IndusInd Bank Personal Loan in Gujarat

1-5 years

12.99%*

4% of outstanding principal

0.25% to2.50%

Capital first Personal Loan in Gujarat

1-5 years

16%

4% of outstanding

Up to 2.49% of the loan amount

SBI Personal Loan in Gujarat

1-5 years

12.50%*-16.60%*

3% of the prepaid amount (after 1st EMI)

Up to 3% of the loan amount

Bajaj Finserv Personal Loan in Gujarat

1-5 years

14.75%*

NIL

Up to 3%

Fullerton India Loan in Gujarat

1-5 years

17.25%*

4% of outstanding principal.

Up to 2%

IDFC First Personal Loan in Gujarat

1-5 years

10.99%*

4% of outstanding

2% – 4%

Indiabulls Personal Loan in Gujarat

1-5 years

11.99%*

5% if less than 6 months.

Up to 5%

ECL Finance Personal Loan in Gujarat

1-5 years

17.50%*

4% of principal amount outstanding+GST

Up to 2% of the loan amount

*Interest rates change time to time.

FAQ’s

The minimum CIBIL score required for Personal Loan in Gujarat is 750 or above.
The repayment tenure for Personal Loan in Gujarat ranges from 12 to 60 months.
The maximum loan amount that I can avail from Personal Loan in Gujarat is Rs. 25 lakhs. But different financial institutions sanction different loan amount.
*Interest rate and Loan approval are subjected to band discretion and approval.