Personal Loan in Lucknow

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*

Enter Loan amount!

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!

Your Turnover Limit Exceeded!

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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 Lucknow

Overview of Personal Loan in Lucknow

Personal Loan in Lucknow is an unsecured loan with minimum document requirements and easy loan approval process which provides monetary support against any immediate need of funds. You can use easyPersonal Loan in Lucknow to fulfill any financial requirements like- wedding purpose, buying any electronic gadget or a car, child’s educational costs, pay off other loans, etc. Using online Personal Loan in Lucknow, you can get a loan up to Rs. 25 lakhs at an attractive interest rate. To avail easy Personal Loan in Lucknow, you need to pay all your financial debts in time which will increase your cibil score and will help you to get lower interest rate Personal Loan in Lucknow. But for a low cibil score Personal Loan in Lucknow, you will be charged a higher interest rate. Online Personal Loan in Lucknow offers easy EMI repayment option up to a period of 5 years.

Why you should opt for Personal Loan in Lucknow?

Lucknow, the capital city of Uttar Pradesh is popular for its ancient history, food, and multi-culture tradition. Lucknow has been emerging as a growing IT hub and center of multiple software companies thus attracting a wide range of population. With the expansion of the city’s economic stature, the cost of living is increasing in accordingly. So, people are in need of any financial support can easily opt for Personal Loan in Lucknow. There are many private personal loan lenders in Lucknow which provides instant Personal Loan in Lucknow at lower interest rate. But if you opt for low salary Personal Loan in Lucknow, then you will be charged a higher interest rate.

Here are some of the important points to choose Personal Loan in Lucknow-

  • Personal Loan for self-employed in Lucknow and Personal Loan for salaried in Lucknow helps in meeting the financial requirements of both salaried and self-employed applicants.
  • Unsecured Personal Loan in Lucknow do not keep any security with the financial institution thus charging a higher interest rate.
  • Those who need urgent Personal Loan in Lucknow, can easily opt for instant Personal Loan in Lucknow at a competitive interest rate.
  • Personal Loans in Lucknow requires simple paperwork, easy loan approval, quick disbursal and flexible repayment option up to 5 years.
  • There are many Personal Loan providers in Lucknow which offers Personal Loans in Lucknow at low-interest rate.
  • Online Personal Loan in Lucknow is a time-saving loan process which is very easy to apply.
  • You can avail best Personal Loan in Lucknow by comparing Personal Loan interest rates in Lucknow for all banks and NBFCs.

Eligibility Criteria for Personal Loan in Lucknow

Personal Loans in Lucknow at an attractive interest rate requires good CIBIL score and credit history with a decent repaying capacity. If you apply for Personal Loan in Lucknow at a young age, then you will have a higher repaying capacity and will be charged a lower interest rate.

Though different financial institutions require different eligibility but following is the common eligibility criteria for Personal Loans in Lucknow-

Personal Loan in Lucknow Eligibility Criteria

Salaried

Self-Employed

Age

21-60 years

25-65 years

CIBIL score

750 or above

750 or above

Income

Min- Rs. 20,000

Min Turnover- Rs. 1 crore

Profession

Working in private sectors, MNCs or govt organization

Business Professionals, sole propritership firms,partnership firms, private or public ltd. companies,etc.

Loan Amount

Up to Rs. 25 lakhs (varies according to the banks or NBFCs)

Up to Rs. 30 lakhs (differs according to the financial institution)

Work Experience

Minimum 2 years of work experience with at least 1 year in the present company

Stable Business Continuity for a minimum of 3 years

Documents required for Personal Loan in Lucknow

Following are the common documents that are required to apply for Personal Loans in Lucknow-

  • Filled loan application form
  • Passport size photo
  • Address Proof- Driving License, Passport, Utility Bills like- Gas, Water or Electricity Bills
  • ID proof- AADHAR Card, Ration Card, PAN Card
  • For Self-Employed

    • Balance Sheet and Copy of Profit & Loss statement of past 2 years
    • Last 3 years details of ITR.
    • Verified copy of Trade License/Partnership Deed/Memorandum and Articles of Association/Sales Tax Certificate
  • For Salaried

    • Salary slip for last 3 months.
    • Updated bank a/c Statement of last 6 months.
    • Copy of Form 16.

Personal Loan Interest Rates in Lucknow of different Financial Institutions

You can avail easy Personal Loan in Lucknow by comparing Personal Loan interest rates in Lucknow of all banks and NBFCs-

Banks

Loan Tenure

Interest Rates

Pre-Closure Charges

Processing Fees

Axis Bank Personal Loan in Lucknow

1-5 years

15.50%*

NIL

Up to 2.00%

YES Bank Personal Loan in Lucknow

1-5 years

14%*

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

Bajaj Finserv Personal Loan in Lucknow

1-5 years

14.75%*

NIL

Up to 3%

Kotak Mahindra Bank Personal Loan in Lucknow

1-5 years

11.25%*

5% of outstanding principal.

Up to 2.5%

IndusInd Bank Personal Loan in Lucknow

1-5 years

12.99%*

4% of outstanding principal

Up to 2.50%

ICICI Bank Personal Loan in Lucknow

1-5 years

11.49%*

5% of outstanding principal + GST

Rs. 999*

HDFC Bank Personal Loan in Lucknow

1-5 years

11.25%*

Between 2% to 4% of the outstanding principal.

Up to 2.50%

SBI Personal Loan in Lucknow

1-5 years

12.50%*-16.60%*

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

Up to 3% of the loan amount

Capital first Personal Loan in Lucknow

1-5 years

16%*

4% of outstanding

Up to 2.49% of the loan amount

Indiabulls Venture Capital Personal Loan in Lucknow

1-5 years

11.99%*

5% if less than 6 months.

Up to 5%

Fullerton India Personal Loan in Lucknow

1-5 years

17.25%*

4% of outstanding principal.

Up to 2%

TATA Capital Personal Loan in Lucknow

1-6 years

13.99%*

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

Up to 2%

Aditya Birla Capital Personal Loan in Lucknow

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 Lucknow

1-5 years

10.99%*

4% of outstanding

2% – 4%

ECL Finance Personal Loan in Lucknow

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 age is 21 and 25 respectively for salaried and self-employed individuals who want to apply for Personal Loans in Lucknow.
Different banks and NBFCs charge different processing fees for Personal Loans in Lucknow which is a one-time fee.
The minimum credit score to get the best Personal Loans in Lucknow is 750 or above.
The lowest interest rate charged on Personal Loans in Lucknow is 10.99%*. But different financial institutions charges a different rate of interest for Personal Loans in Lucknow.
When you pay off your financial liabilities your credit history improves and so is your credit score. Your increased credit score improves your eligibility and repaying capacity.
*Interest rate and Loan approval are subjected to band discretion and approval.