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Personal Loan in Gurgaon
Overview of Personal Loan in Gurgaon
Personal Loan in Gurgaon offers financial guide against any crisis situation at a competitive interest rate. You can easily avail the best Personal Loan in Gurgaon to fulfill any of financial needs which are not purpose specific. Personal Loan in Gurgaon can be used to cope up with the medical expenses, family vacation, child’s education, purchasing any car or two-wheeler vehicle and much more. Personal Loan Gurgaon do not pledge any collateral or mortgage to secure the loan. With easy Personal Loan in Gurgaon, you can avail it at an attractive interest rate with simple paperwork, quick loan disbursal and flexible EMI facility up to a period of 5 years. High CIBIL score, good repaying capacity and early applying age are required for low-interest Personal Loan in Gurgaon.
Why you should opt for Personal Loan in Gurgaon?
Gurgaon, now officially called Gurugram is the ‘Millenium City of India’ is located very close to Delhi. Gurgaon has been expanding in business, construction & infrastructure sector thus attracted many migrators from different areas of the country. So, the standard of living increased which has initiated the need for personal finances in Gurgaon thus increasing the demand for Personal Loan in Gurgaon. You can get the best Personal Loan in Gurgaon by comparing Personal Loan interest rates in Gurgaon of all banks. To avail Personal Loan low interest in Gurgaon, you need to apply at a younger age with good repaying capacity and minimum CIBIL score of 750 or above. There are many Personal Loan providers in Pune which offers instant Personal Loan in Gurgaon at an attractive interest rate with flexible loan tenure up to 5 years.
Following are some pinpoints as to why you should opt for Personal Loan in Gurgaon-
- With easy Personal Loan in Gurgaon, you can avail loan based on your eligibility criteria.
- Personal Loan low interest in Gurgaon can be availed with a high CIBIL score and decent repaying capacity.
- You can easily repay your Personal Loans in Gurgaon with EMI option putting no pressure on your monthly budget.
- Both the choices of Personal Loan in Gurgaon salaried and Personal Loan in Gurgaon self-employed are available.
- No hidden charges are applicable when you go for Personal Loans in Gurgaon.
- Instant Personal Loan in Gurgaon reduces your financial stress and eases up your loan process.
Eligibility Criteria for Personal Loan in Gurgaon
A stable source of income, credit score of at least 750 or above with early apply for Personal Loan in Gurgaon helps in securing lower interest rate. So, the eligibility criteria for Personal Loan in Gurgaon are very minimal.
Following are the common eligibility criteria to apply for Personal Loans in Gurgaon-
|
Personal Loan in Gurgaon Eligibility Criteria |
Salaried |
Self-Employed |
|
Age |
21-60 years |
25-65 years |
|
Income |
Minimum of Rs. 20,000 |
MinimumTurnover of Rs. 1 crore |
|
Profession |
Works in private sectors, MNCs or any kind of govt organization |
Business Professionals,sole propritership firms, partnership firms, public or private ltd. companies,etc. |
|
CIBIL score |
750 or above |
750 or above |
|
Work Experience |
Minimum 2 years of workingexperience with at least 1 year in the present organization |
Business Continuity for at least 3 years |
|
Loan Amount |
Up to Rs. 25 lakhs (variesaccording tobanks and NBFCs) |
Up to Rs. 30 lakhs (differs according to the bank & NBFCs) |
Documents required for Personal Loan in Gurgaon
Here are the necessary testimonials that are required to apply for Personal Loan in Gurgaon-
- Passport size photo
- Application Form for Personal Loan
- Address Proof- Driving License, Utility Bills like- Gas or Water or Electricity Bills, Passport.
- ID proof- Ration Card, AADHAR Card, Passport, PAN Card.
-
For Self-Employed
- Balance Sheet and Copy of Profit & Loss statement of the past 24 months
- ITR details of last 3 years.
- Verified and valid papers of Trade License/Partnership Deed/Memorandum and Articles of Association/Sales Tax Certificate.
-
For Salaried
- Past 3 months salary slip.
- Form 16.
- Last 6 months updated bank a/c statement.
Personal Loan Interest Rates in Gurgaon of different Financial Institutions
You can easily opt for Personal Loan in Gurgaon by comparing the Personal Loan interest rates in Gurgaon of different financial institutions-
|
Banks |
Loan Tenure |
Interest Rates |
Pre-Closure Charges |
Processing Fees |
|
IndusInd Bank Personal Loan in Gurgaon |
1-5 years |
12.99%* |
4% of outstanding principal |
0.25% to 2.50% |
|
SBI Personal Loan in Gurgaon |
1-5 years |
12.50%*-16.60%* |
3% of the prepaid amount (after 1st EMI) |
Up to 3% of the loan amount |
|
YES Bank Personal Loan in Gurgaon |
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 |
|
Kotak Mahindra Bank Personal Loan in Gurgaon |
1-5 years |
11.50%* |
5% of outstanding principal. |
Up to 2.5% |
|
Axis Bank Personal Loan in Gurgaon |
1-5 years |
15.50%* |
NIL |
Up to 2.00% |
|
HDFC Bank Personal Loan in Gurgaon |
1-5 years |
10.99%* |
Between 2% to 4% of the outstanding principal. |
Up to 2.50% |
|
Bajaj Finserv Personal Loan in Gurgaon |
1-5 years |
14.75%* |
NIL |
Up to 3% |
|
Capital first Personal Loan in Gurgaon |
1-5 years |
16%* |
4% of outstanding |
Up to 2.49% of the loan amount |
|
Fullerton India Personal Loan in Gurgaon |
1-5 years |
17.25%* |
4% of outstanding principal. |
Up to 2% |
|
ICICI Bank Personal Loan in Gurgaon |
1-5 years |
11.49%* |
5% of outstanding principal + GST |
Rs. 999* |
|
Aditya Birla Capital Personal Loan in Gurgaon |
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. |
|
IDFC First Personal Loan in Gurgaon |
1-5 years |
10.99%* |
4% of outstanding |
2% – 4% |
|
Indiabulls Venture Capital Personal Loan in Gurgaon |
1-5 years |
11.99%* |
5% if less than 6 months. |
Up to 5% |
|
TATA Capital Personal Loan in Gurgaon |
1-6 years |
13.99%* |
4.5% of the outstanding principal. And NIL for the initial 6 months |
Up to 2% |
|
ECL Finance Personal Loan in Gurgaon |
1-5 years |
17.50%* |
4% of principal amount outstanding+GST |
Up to 2% of the loan amount |
*Interest rates change time to time.
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