Personal Loan in Vadodara

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!

Turnover Limit Exceeded !

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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 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.

FAQ’s

The maximum repayment tenure for Personal Loan in Vadodara is 60 months.
The loan amount that I can obtain from Personal Loan in Vadodara ranges from Rs. 25,000 to Rs. 25 lakhs. But different banks & NBFCs sanction different loan amounts based on your eligibility criteria.
The minimum credit score required for Personal Loan in Vadodara is 750 or more.
*Interest rate and Loan approval are subjected to band discretion and approval.