Personal Loan in Surat

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 Surat

Overview of Personal Loan in Surat

Personal Loan in Surat is an unsecured loan. You can avail Personal Loan in Surat at any time at anywhere. To avail a Personal Loan in Surat you don’t have to mortgage any of your property or you do not need a guarantor for Personal Loan in Surat. Unsecured Personal Loan in Surat will give you all the supports to complete all your dreams. You can use Personal Loan in Surat for purchasing electronics, emergency medical situation, child’s education, wedding, holiday or house renovation you can use Personal Loan in Surat the way you want. You can go for Personal Loan in Surat apply online so your rate of interest will be lower. It is not that hard to avail Personal Loans in Surat. Personal Loan in Surat without CIBIL check is only possible if you have maintained a good CIBIL Score over the time. Personal Loans in Surat offers amount from Rs. 25,000 to Rs. 25, 00,000 for tenure of five years. You also can avail Easy Personal Loan in Surat with minimal documents. It is impossible to avail Personal Loan for unemployed in Surat. But if you are a salaried person you can easily go for Personal Loan for salaried in Surat with low interest rates. To get a Personal Loan in Surat with lower interest rate you must maintain a good CIBIL score. Because Personal Loan for low CIBIL Score in Surat is offered higher interest rates.

Why you should opt for Personal Loan in Surat?

In Surat a large number of people are engaged in textile and diamond polishing industries by some way or other. They also believe to live with high standard. So many modern techs are offered for every person. With the help of Personal Loan in Surat you can buy high tech home applications, electronics with competitive interest rates. Both salaried and self-employed can avail Personal Loan in Surat. Personal Loan in Surat is offered by many lending institutions of India which includes Bank and NBFC both in lowest interest rates. In addition to that, they provide money lenders loans in Surat, private finance loans in Surat, cash loan in Surat, immediate cash loan in Surat, Personal Loan by Private financer in Surat, instant Personal Loan in Surat, Personal Loans in Surat are different kinds of Personal loans in Surat.

Here are some points that why you should go for Personal Loan in Surat.

  • You do not have to mortgage any of your security to avail a Personal Loan in Surat
  • You do not need any guarantor at Personal Loan in Surat
  • Personal Loan in Surat comes with lower interest rates, the processing fees are minimum and no hidden charges.
  • You can check your Personal Loan in Surat application status and your Personal Loan in Surat eligibility just in a second from home by just clicking a button from your home or office.
  • You can repay your Personal Loan in Surat from 12 months to 60 months
  • You can avail Personal Loan in Surat up to Rs. 25 lakh (varies).
  • To avail a Personal Loan in Surat you don’t need give a purpose to any institutions. There is no specific purpose to avail a Personal Loan in Surat.
  • In your emergency needs you can easily avail instant Personal Loan in Surat, cash loan in Surat or immediate cash loan in Surat.
  • If you are self-employed you can easily avail Personal Loan for Self-employed in Surat.

Eligibility Criteria for Personal Loan in Surat

It is not much hard to avail Personal Loan in Surat you just need minimum eligibility to avail a Personal Loan in Surat. You must maintain a good Credit score to avail Personal Loan in Surat. If you are applying for Personal Loan in Surat at a younger age you have chance to make your interest rate lower.

Here is the eligibility criteria for Personal Loan in Surat.

Personal Loan in Surat Eligibility Criteria

Salaried

Self-Employed

Age

21-60 years

25-65 years

Income

Min- Rs. 20,000 or Rs. 25,000

Min Turnover- Rs. 1 crore

Profession

Working in MNCs, private sector or government organization

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

Work Experience

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

Business Continuity for a minimum of 3 to 5 years

CIBIL score

750 or above

750 or above

Loan Amount

Up to Rs. 25 lakhs (different for various financial institutions)

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

Documents required for Personal Loan in Surat

Following are the common set of documents which you need to submit while applying for Personal Loan in Surat-

  • Duly filled application form.
  • Passport size photograph.
  • ID proof- PAN card, AADHAR card, Driving License.
  • Residential proof- Any latest utility bill like Electricity bill, Gas bill. Passport.
  • For Salaried Individuals

    • Bank Statement of the last 6 months.
    • Copy of Form 16 and Receipt of Income Tax.
    • Salary slip of last 3 months.
  • For Self-employed

    • ITR copy of the past three years.
    • Verified copy of Partnership Deed/Memorandum and Articles of Association/ Trade License/Sales Tax Certificate
    • Copy of Profit & Loss statement, Balance Sheet of last 2 years

Interest Rates for Personal Loan in Surat of different Financial Institutions

Following are some of the financial institutions which offer Unsecured Personal Loan in Surat online at an attractive interest rate

Banks

Loan Tenure

Interest Rates

Pre-Closure Charges

Processing Fees

HDFC Bank Personal Loan in Surat

1-5 years

10.99%*-21.25%*

Between 2% to 4% of the outstanding principal.

Up to 2.50%

ICICI Bank Personal Loan in Surat

1-5 years

11.49%*

5% of outstanding principal + GST

0.99% to 2.25%

YES Bank Personal Loan in Surat

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

Bajaj Finserv Personal Loan in Surat

1-5 years

14.25%*

NIL

Up to 3%

Kotak Mahindra Bank Personal Loan in Surat

1-5 years

11.50%*

5% of outstanding principal.

Up to 2.5%

Axis Bank Personal Loan in Surat

1-5 years

15.50%*

NIL

Up to 2.00%

IndusInd Bank Personal Loan in Surat

1-5 years

14%*

4% of outstanding principal

Up to 2.50%

Capital first Personal Loan in Surat

1-5 years

16%*

4% of outstanding

Up to 2.49% of the loan amount

Aditya Birla Capital Personal Loan in Surat

1-5 years

11.75%*

4% of principal outstanding in 1st year, 3% in the 2ndyear, and thereafter pre-closure Permitted after 6 months.

1% of principal.

IDFC First Personal Loan in Surat

1-5 years

10.99%*

4% of outstanding

2% – 4%

Indiabulls Venture Capital Personal Loan in Surat

1-5 years

11.99%*

5% if less than 6 Months.

Up to 5%

SBI Personal Loan in Surat

1-5 years

12.50%*-16.60%*

3% of the prepaid amount (after 1stEMI)

Up to 3% of the loan amount

Fullerton India Personal Loan in Surat

1-5 years

17.25%*

4% of outstanding Principal.

Up to 2%

TATA Capital Personal Loan in Surat

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 Surat

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 credit score required to apply for a lower interest rate Personal Loan in Surat is 750 or above.
If you have any ongoing financial debts, then your repaying capacity decreases. Moreover, if the paying for financial debts consumes 40% of your monthly income, then your cibil score will decrease and would increase the rate of interest for Personal Loan in Surat online.
The flexible loan tenure for Personal Loan in Surat ranges from 1 to 5 years.
The minimum interest rate for Personal Loan in Surat is 10.75*%.
The factors which affect the interest rate on Personal Loan in Surat are- the credit score, your applying age, your net take-home salary or business turnover, financial debts (if any) and also your repaying capacity.
*Interest rate and Loan approval are subjected to band discretion and approval.