Apply Personal Loan Online Upto Rs. 25 Lacs
Details on Personal Loan
Personal Loan in Vadodara
Overview of Personal Loan in Vadodara
Personal Loan in Vadodara is a financial backup against any unforeseen monetary needs without asking for any mortgage or security. Using Personal Loan in Vadodara you can meet almost any financial needs. You do not have to specify the reason for availing Personal Loan in Vadodara. For easy Personal Loan in Vadodara Gujarat, you need to submit very minimum documents. There are many personal loan finance company in India which offers mass finance Personal Loan in Vadodara at an attractive interest rate. High CIBIL score with good repaying capacity helps you to avail easy Personal Loan in Vadodara at the lowest interest rate. But a personal loan for CIBIL defaulters in Vadodara is not possible.
Why you should opt for Personal Loan in Vadodara?
Vadodara was formerly called Baroda is called ‘The Sanskari Nagari’ of India. With the expansion in industrial as well as in the business sector, the living standard of the people increased thus raising the need for Personal Loans in Vadodara. Using Instant Personal Loan in Vadodara, you need to submit very minimum documents and can use it for n number of reasons. You can avail Unsecured Personal Loan in Vadodara which gets easily disbursed and offers flexible loan tenure up to 5 years.
Following are some reasons as to why should you opt for Personal Loan in Vadodara Gujarat-
- With the help of Online Personal Loan Vadodara Gujarat, you can apply for the loan at any given point of time in your own comfort area.
- Urgent Personal Loan in Vadodara helps in solving your immediate financial needs.
- Personal Loan Interest Rates Vadodara depends on your eligibility criteria.
- You need to submit very minimum documents for online applying Personal Loan in Vadodara Gujarat. But you need to remember that Personal Loan without salary slip in Vadodara is not possible.
- Low processing fees with no hidden charges along with the low interest rate Personal Loan in Vadodara is charged.
- Unsecured Personal Loan in Vadodara can easily repayed by easy EMI option.
Eligibility Criteria for Personal Loan in Vadodara
Here are the eligibility criteria that need to be satisfied for availing low interest Personal Loan in Vadodara-
|
Personal Loan in Vadodara Eligibility Criteria |
Salaried |
Self-Employed |
|
Age |
21 years to 60 years |
25 years to 65 years |
|
Profession |
Working in any private sectors or MNCs, or any govt organization |
Public or Private Ltd. companies, Business Professionals, sole proprietorship firms, partnership firms, etc. |
|
Income |
Min amount. Rs. 20,000 |
Min Turnover- Rs. 1 crore |
|
Experience of Work |
Minimum of 2 years work experience and minimum 1 year in the present organization |
Continuity of Business for at least 3 years |
|
CIBIL score |
750 or above |
750 or above |
|
Loan Amount |
Up to Rs. 25 lakhs (may vary as per the banks or NBFCs) |
Up to Rs. 30 lakhs (varies according to the banks and NBFCs) |
Documents required for Personal Loan in Vadodara
Following are the essential documents for Personal Loan in Vadodara-
- Filled Application form for Personal Loan
- Passport size photograph
- Proof of ID- Ration Card, AADHAR Card, PAN Card.
- Proof of Residence- Passport, Driving License, Utility Bills like- Gas or Electricity, Water Bills
-
For Self-Employed
- Balance Sheet as well as Copy of P&L statement of last 2 years
- Verified papers of Memorandum and Articles of Association/Sales Tax Certificate/Trade License/Partnership Deed
- Copy of ITR of last 36 months.
-
For Salaried
- Last 3 months of salary slip.
- Form 16 copy.
- Last 6 months updated bank statement.
Personal Loan Interest Rates in Vadodara of different Financial Institutions
Following are the list of Personal Loan Interest Rates in Vadodara of different banks and NBFCs-
|
Banks |
Loan Tenure |
Interest Rates |
Pre-Closure Charges |
Processing Fees |
|
YES Bank Personal Loan in Vadodara |
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 |
|
ICICI Bank Personal Loan in Vadodara |
1-5 years |
11.49%* |
5% of outstanding principal + GST |
Rs. 999* |
|
Axis Bank Personal Loan in Vadodara |
1-5 years |
15.50%* |
NIL |
Up to 2.00% |
|
TATA Capital Personal Loan in Vadodara |
1-6 years |
13.99%* |
4.5% of the outstanding principal. And NIL for the initial 6 months |
Up to 2% |
|
Kotak Mahindra Bank Personal Loan in Vadodara |
1-5 years |
11.50%* |
5% of outstanding principal. |
Up to 2.5% |
|
Aditya Birla Personal Loan in Vadodara |
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 Vadodara |
1-5 years |
10.99%* |
Between 2% to 4% of the outstanding principal. |
Up to 2.50% |
|
IndusInd Bank Personal Loan in Vadodara |
1-5 years |
12.99%* |
4% of outstanding principal |
0.25% to 2.50% |
|
Capital first Personal Loan in Vadodara |
1-5 years |
16% |
4% of outstanding |
Up to 2.49% of the loan amount |
|
SBI Personal Loan in Vadodara |
1-5 years |
12.50%*-16.60%* |
3% of the prepaid amount (after 1st EMI) |
Up to 3% of the loan amount |
|
Bajaj Finserv Personal Loan in Vadodara |
1-5 years |
14.75%* |
NIL |
Up to 3% |
|
Fullerton India Loan in Vadodara |
1-5 years |
17.25%* |
4% of outstanding principal. |
Up to 2% |
|
IDFC First Personal Loan in Vadodara |
1-5 years |
10.99%* |
4% of outstanding |
2% – 4% |
|
Indiabulls Personal Loan in Vadodara |
1-5 years |
11.99%* |
5% if less than 6 months. |
Up to 5% |
|
ECL Finance Personal Loan in Vadodara |
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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