Apply Personal Loan Online Upto Rs. 25 Lacs
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Personal Loan in Pune
Overview of Personal Loan in Pune
Personal Loan in Pune is a one-stop solution to almost all kinds of financial problems. Whether you need cash for any medical condition or wants to fund your child’s higher education, renovate your house or purchase any consumer durable good, Personal Loan in Pune provides financial backup against any financial crisis. With the help of urgent Personal Loan in Pune, your loan process gets executed very fast making the loan process easy and flexible. Easy Personal Loan in Pune requires very minimum documentation and disburses loan very quickly. Fast Personal Loan in Pune Maharashtra is an unsecured Personal Loan in Pune where you can avail Personal Loan without guarantor in Pune. There are many personal loan providers in Pune who provides instant Personal Loan in Pune at an attractive interest rate. But one needs to keep in mind that Personal Loan in Pune without documents and also Personal Loan in Pune without CIBIL is not possible.
Why you should opt for Personal Loan in Pune?
Pune, the cultural capital of Maharashtra, also known as ‘Oxford of the East’ is the center of academics, business and expanding towards manufacturing & IT sectors. The city witnesses many start ups and small businesses thus attracting many young professionals, researchers and entrepreneurs. As a result of such expansion, the need of personal finance in Pune has increased manifold. So, Personal Loan in Pune helps in maintaining your financial requirements with ease without worrying much. Based on Personal Loan interest rates Pune, you can easily get Personal Loan in Pune depending on your eligibility.
- There are many exciting Personal Loan offers in Pune which simplifies your loan experience.
- Personal Loan in Pune for salaried and Personal Loan in Pune for self-employed fulfills the need of finance for both salaried and self-employed individuals.
- With low cibil score Personal Loan in Pune, you will be charged higher interest rate.
- Personal Loan private finance in Pune helps in satisfying your financial requirements without much complexity.
- Personal Loans in Pune offers flexible loan tenure up to 5 years with easy EMI option.
- Personal Loan in Pune Online is a very user friendly and time saving process.
Eligibility Criteria for Personal Loan in Pune
To avail Personal Loans in Pune, you need to have a decent salary and a good credit score of 750 or above. With the help of Personal Loan in Pune Online, you can easily check your eligibility and then apply for unsecured Personal Loan in Pune. Also, the more early you opt for easy Personal Loan in Pune, the higher will be your repaying ability and lower will be the interest rate charged.
Following are the common eligibility criteria for Personal Loans in Pune-
|
Personal Loan in Pune Eligibility Criteria |
Salaried |
Self-Employed |
|
Age |
21-60 years |
25-65 years |
|
Profession |
Works in private sectors, MNCs or govt organization |
Business Professionals, partnership firms, sole propritershipfirms, public or private ltd. companies,etc. |
|
Income |
Min- Rs. 20,000 |
Min Turnover- Rs. 1 crore |
|
Work Experience |
Minimum 2 years of work experience with at least 1 year in the present company |
Business Continuity for at least of 3 years |
|
CIBIL score |
750 or above |
750 or above |
|
Loan Amount |
Up to Rs. 25 lakhs (varies for different banks and NBFCs) |
Up to Rs. 30 lakhs (differs according to the banks and NBFCs) |
Documents required for Personal Loan in Pune
Following are the common set of documents which are required to apply for Personal Loans in Pune-
- Application form for Personal Loan
- Passport size photo
- ID proof- AADHAR Card, Ration Card, PAN Card.
- Residential Proof- Driving License, Passport, Utility Bills like- Electricity, Water or Gas Bills
-
For Self-Employed
- Balance Sheet and Copy of P&L statement of last 24 months
- Verified testimonials of Memorandum and Articles of Association/Trade License/Partnership Deed/Sales Tax Certificate
- Details of ITR of last 3 years.
-
For Salaried
- Last 3 months salary slip.
- Copy of Form 16.
- Last 6 months updated a/c bank statement.
Personal Loan Interest Rates in Pune of different Financial Institutions
Following is the list of Personal Loan Interest Rates in Pune of different banks and NBFCs-
|
Banks |
Loan Tenure |
Interest Rates |
Pre-Closure Charges |
Processing Fees |
|
ICICI Bank Personal Loan in Pune |
1-5 years |
11.49%* |
5% of outstanding principal + GST |
Rs. 999* |
|
IndusInd Bank Personal Loan in Pune |
1-5 years |
12.99%* |
4% of outstanding principal |
0.25% to 2.50% |
|
Capital first Personal Loan in Pune |
1-5 years |
16% |
4% of outstanding |
Up to 2.49% of the loan amount |
|
Kotak Mahindra Bank Personal Loan in Pune |
1-5 years |
11.50%* |
5% of outstanding principal. |
Up to 2.5% |
|
TATA Capital Personal Loan in Pune |
1-6 years |
13.99%* |
4.5% of the outstanding principal. And NIL for the initial 6 months |
Up to 2% |
|
HDFC Bank Personal Loan in Pune |
1-5 years |
10.99%* |
Between 2% to 4% of the outstanding principal. |
Up to 2.50% |
|
YES Bank Personal Loan in Pune |
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 |
|
Axis Bank Personal Loan in Pune |
1-5 years |
15.50%* |
NIL |
Up to 2.00% |
|
Aditya Birla Personal Loan in Pune |
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. |
|
Bajaj Finserv Personal Loan in Pune |
1-5 years |
14.75%* |
NIL |
Up to 3% |
|
SBI Personal Loan in Pune |
1-5 years |
12.50%*-16.60%* |
3% of the prepaid amount (after 1st EMI) |
Up to 3% of the loan amount |
|
Indiabulls Personal Loan in Pune |
1-5 years |
11.99%* |
5% if less than 6 months. |
Up to 5% |
|
IDFC First Personal Loan in Pune |
1-5 years |
10.99%* |
4% of outstanding |
2% – 4% |
|
Fullerton India Loan in Pune |
1-5 years |
17.25%* |
4% of outstanding principal. |
Up to 2% |
|
ECL Finance Personal Loan in Pune |
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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