Personal Loan in Patna

Salaried Self-Employed

Please Enter Required Loan Amount

Minimum Loan amount is Rs.15,000 !

Maximum Loan amount is Rs.75 Lakhs !

Please Enter Net Monthly Salary

Salary should be Minimum Rs.10,000!

Salary should be Maximum Rs.10 Crores !

Please Enter Annual Sales/Turnover

Minimum Turnover Should Be Rs. 3 Lakhs!

Turnover Limit Exceeded !

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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!

Proceed

Enter Your Monthly Salary!

Salary should be Minimum Rs.15,000!

Salary should be Maximum Rs.10 Crore!

Enter Your Turnover!

Minimum Turnover Should Be Rs. 3Lakhs!

Your Turnover Limit Exceeded!

Proceed
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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 Patna

Overview of Personal Loan in Patna

Personal Loan in Patna is an unsecured loan which provides financial backup against any kind of monetary requirements without taking any security or collateral. Unsecured Personal Loan in Patna requires minimum documentation with repayment tenure up to 5 years with flexible EMI benefit. There are many Personal Loan provider in Patna who provides instant Personal Loan in Patna at an attractive interest rate. With the help of Personal Loan Patna, you can meet your cost of buying any consumer durable goods, wedding & vacation expenses, medical costs and much more. For low interest Personal Loan in Patna, you need to have adequate income with a minimum CIBIL score of 750 or above. For low cibil score Personal Loan in Patna, a higher interest rate will be charged.

Why you should opt for Personal Loan in Patna?

Patna, the capital city of Bihar is an established agricultural hub. Along with that industrial and business growth is also expanding thus improving the present economic scenario of Patna. As a result, the financial needs of the people has also increased which is easily covered by Personal Loan in Patna. When you opt for Personal Loan Patna Bihar, you need to submit very minimum documents and can repay using flexible EMI option. High CIBIL score and good repaying capacity with early applying age are necessary for low interest rate Personal Loan in Patna.

Here are some of the reasons as to why should you opt for Personal Loan in Patna-

  • Personal Loan in Patna for self employed and Personal Loan in Patna for salaried fulfills the monetary need of both salaried and self-employed applicants.
  • Unsecured Personal Loan in Patna does not need any collateral as security.
  • You can avail Instant Personal Loan in Patna up to Rs. 25 lakhs. (Though the amount may change for different banks)
  • Online Personal Loan in Patna simplifies your loan process and is very user friendly.
  • Personal Loan interest rates in Patna differs depending on your eligibility for the loan.
  • Personal Loans Patna offers low processing fees with no hidden charges.

Eligibility Criteria for Personal Loan in Patna

Personal Loan in Patna gets affected by your eligibility criteria which is quite nominal. You need to maintain a minimum CIBIL score of 750 or above with an adequate income source with good credit history to obtain low interest Personal Loan in Patna.

Following are the eligibility criteria for Personal Loan Patna-

Personal Loan in Patna Eligibility Criteria

Salaried

Self-Employed

Age

21 years – 60 years

25 years – 65 years

CIBIL score

750 or above

750 or above

Income

Rs. 20,000 (min amt)

Rs. 1 crore (min turnover)

Profession

Works in any govt organization, MNCs or any private sectors

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

Experience of Work

Minimum 2 years with atleast 1 year in the present company

Continuity of Business for minimum of 3 years

Documents required for Personal Loan in Patna

Here are the common documents that are required for Personal Loan Patna-

  • ID proof- PAN Card, AADHAR Card, Ration Card.
  • Address Proof- Passport, Any kind of Utility Bills like- Water, Electricity or Gas Bills, Driving License.
  • Application form
  • Passport size photograph
  • For Self-Employed

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

    • Copy of Form 16.
    • Salary slip of the last 3 months.
    • Statement of updated bank account of last 6 months.

Personal Loan Interest Rates in Patna of different Financial Institutions

You can opt for Personal Loan in Patna by comparing Personal Loan interest rates in Patna of all banks and NBFCs-

Banks

Loan Tenure

Interest Rates

Pre-Closure Charges

Processing Fees

Axis Bank Personal Loan in Patna

1-5 years

15.50%*

NIL

Up to 2.00%

Kotak Mahindra Bank Personal Loan in Patna

1-5 years

11.25%*

5% of outstanding principal.

Up to 2.5%

SBI Personal Loan in Patna

1-5 years

12.50%*-16.60%*

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

Up to 3% of the loan amount

TATA Capital Personal Loan in Patna

1-6 years

13.99%*

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

Up to 2%

Bajaj Finserv Personal Loan in Patna

1-5 years

14.75%*

NIL

Up to 3%

YES Bank Personal Loan in Patna

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

IndusInd Bank Personal Loan in Patna

1-5 years

12.99%*

4% of outstanding principal

Up to 2.50%

Aditya Birla Capital Personal Loan in Patna

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 Patna

1-5 years

11.25%*

Between 2% to 4% of the outstanding principal.

Up to 2.50%

Fullerton India Personal Loan in Patna

1-5 years

17.25%*

4% of outstanding principal.

Up to 2%

Capital first Personal Loan in Patna

1-5 years

16%*

4% of outstanding

Up to 2.49% of the loan amount

Indiabulls Venture Capital Personal Loan in Patna

1-5 years

11.99%*

5% if less than 6 months.

Up to 5%

ICICI Bank Personal Loan in Patna

1-5 years

11.49%*

5% of outstanding principal + GST

Rs. 999*

IDFC First Personal Loan in Patna

1-5 years

10.99%*

4% of outstanding

2% – 4%

ECL Finance Personal Loan in Patna

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

Unsecured Personal Loan in Patna do not take any security or collateral to keep with the financial institutions against the loan.
The Id proof required to apply for Personal Loan in Patna are- Aadhaar Card, PAN card, Driving License.
The minimum CIBIL score required for Personal Loan in Patna is 750 or above.
*Interest rate and Loan approval are subjected to band discretion and approval.