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Apply for Personal Loan in Delhi

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5,00,000
0
3,00,000

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Bank Interest Rate EMI
HDFC Bank 11.49% - 19.50%

(fixed)

 2,199 - 2,622

(per Lakh)
Details Details

Documents Required

PAN Card, Address Proof, Govt ID Proof (Not required if already given as an address proof), 3 month payslip (with DOJ mentioned), 3 month bank statement, photograph. Additional documents on case to case basis.

Preclosure Charges

  • 1 Year lock in
  • 4% fee if closed after 1 year. Can be 0% if booked under golden edge program
  • 3% fee if closed after 2 years
  • 2% fee if closed after 3 years
  • 0% thereafter

Part-Payment Option

Not available
ICICI Bank 11.49% - 17.85%

(fixed)

 2,199 - 2,531

(per Lakh)
Details Details

Documents Required

PAN Card, Address Proof, Govt ID Proof (Not required if already given as an address proof), 3 month payslip (with DOJ mentioned), 3 month bank statement, photograph. Additional documents on case to case basis.

Preclosure Charges

  • 1 year lock in
  • 5% fee thereafter. 0% if loan amount >10 lacs

Part-Payment Option

Not available
Axis Bank 13.50% - 24.00%

(fixed)

 2,301 - 2,877

(per Lakh)
Details Details

Documents Required

PAN Card, Address Proof, Govt ID Proof (Not required if already given as an address proof), 3 month payslip (with DOJ mentioned), 3 month bank statement, photograph. Additional documents on case to case basis.

Preclosure Charges

  • 0% after the 1st EMI

Part-Payment Option

Possible after 1st EMI. Minimum part payment to be 1 EMI's. Part payment allowed 6 times in a year.
Citi Bank 11.99% - 15.75%

(fixed)

 2,224 - 2,419

(per Lakh)
Details Details

Documents Required

PAN Card, Address Proof, Govt ID Proof (Not required if already given as an address proof), 3 month payslip (with DOJ mentioned), 3 month bank statement, photograph. Additional documents on case to case basis.

Preclosure Charges

  • 1 year lock in
  • 0.5%-2% fee thereafter

Part-Payment Option

Possible after 12th EMI. Minimum part payment to be 2 EMI's and max 5 EMI's. Allowed only once a year.
IndusInd Bank 11.99% - 14.75%

(fixed)

 2,224 - 2,366

(per Lakh)
Details Details

Documents Required

PAN Card, Address Proof, Govt ID Proof (Not required if already given as an address proof), 3 month payslip (with DOJ mentioned), 3 month bank statement, photograph. Additional documents on case to case basis.

Preclosure Charges

  • 1 year lock in
  • 5% fee thereafter

Part-Payment Option

Not available
Standard Chartered Bank 11.99% - 14.50%

(fixed)

 2,224 - 2,353

(per Lakh)
Details Details

Documents Required

PAN Card, Address Proof, Govt ID Proof (Not required if already given as an address proof), 3 month payslip (with DOJ mentioned), 3 month bank statement, photograph. Additional documents on case to case basis.

Preclosure Charges

  • 1 year lock in
  • 0% thereafter

Part-Payment Option

Not available
Kotak Mahindra Bank 13.00% - 18.00%

(fixed)

 2,275 - 2,539

(per Lakh)
Details Details

Documents Required

PAN Card, Address Proof, Govt ID Proof (Not required if already given as an address proof), 3 month payslip (with DOJ mentioned), 3 month bank statement, photograph. Additional documents on case to case basis.

Preclosure Charges

  • 1 year lock in
  • 5% fee thereafter

Part-Payment Option

Not available
Bajaj Finance 13.00% - 18.00%

(fixed)

 2,275 - 2,539

(per Lakh)
Details Details

Documents Required

PAN Card, Address Proof, Govt ID Proof (Not required if already given as an address proof), 3 month payslip (with DOJ mentioned), 3 month bank statement, photograph. Additional documents on case to case basis.

Preclosure Charges

  • 0% after the 1st EMI

Part-Payment Option

Possible after 1st EMI. Minimum part payment to be 3 EMI’s. Part payment allowed 6 times in a year
Capital First 13.00% - 20.00%

(fixed)

 2,275 - 2,649

(per Lakh)
Details Details

Documents Required

PAN Card, Address Proof, Govt ID Proof (Not required if already given as an address proof), 3 month payslip (with DOJ mentioned), 3 month bank statement, photograph. Additional documents on case to case basis.

Preclosure Charges

  • 1 year lock in
  • 5% fee thereafter

Part-Payment Option

Not available
Tata Capital 13.50% - 17.00%

(fixed)

 2,301 - 2,485

(per Lakh)
Details Details

Documents Required

PAN Card, Address Proof, Govt ID Proof (Not required if already given as an address proof), 3 month payslip (with DOJ mentioned), 3 month bank statement, photograph. Additional documents on case to case basis.

Preclosure Charges

  • 1 year lock in
  • 5% fee thereafter

Part-Payment Option

Not available

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Tips

Rate of interest is high?

- Try applying for a higher loan amount as most banks reduce interest rates as loan amount increases.

Not getting the desired loan amount

- Try adding the income of a co-applicant like a working spouse

Not getting the desired loan amount?

- Finance Buddha can try to do a debt consolidation/balance transfer to increase eligibility

Personal Loan in Delhi

Getting a personal loan in Delhi is no more an issue with the help of Finance Buddha. Here is the list of some of the best banks and number of branches it has in Delhi location. This information will help the applicant to know the accessibility to the bank branches in case of any urgent requirements.

  • ICICI Bank – This bank has nearly 150 plus branches in Delhi, also this is the second largest bank in Delhi that falls into the private sector category.
  • HDFC Bank –This bank has nearly 222 branches in this city and it is the largest banks I n India that processes loan real quickly.
  • Axis Bank – This bank has about 127 branches in this city and is the third largest private sector bank in India.
  • Kotak Mahindra Bank – With 67 branches even this is a large bank in Delhi. Once you start using their services and enjoy their benefits, you will definitely wish to have long term relationship with the bank.
  • Citibank – Though this bank has 5 branches in Delhi, it is still very considered and opted by the people of the city.
  • Bajaj Finserv – This is a largest NBFC in India with 3 branches in Delhi.
  • Tata Capital - This well-known NBFC has only 7 branches in this city, but all are present in important areas.

How Finance Buddha can help you get a Personal Loan in Delhi?

Having said all these, every applicant will be concerned to know the exact EMI that they will have to pay for taking a personal loan from any bank in Delhi. With the help of Finance Buddha, the applicant can give necessary loan requirement details and can accordingly get the information of how much would be the EMI for a particular amount and for a particular tenure.

After checking for the EMI, you can use the form above to see the best offers for you. Once you find the best option, just click apply and fill up your details. And that's all that you need to do. Once we recieve your application, we will take care of the rest until the loan amount is disbursed to your account

 

Personal Loan Eligibility Criteria in New Delhi

Here is the list of eligibility criteria that an applicant should have in order to apply for a personal loan in Delhi.

  • Age of the applicant should be between 21-60 Years
  • Salaried individual with minimum income of Rs 30,000. Salary bracket would again depend on the city you live in and the company you work for.
  • Should have been staying in the city for at least 1 Year
  • Total work experience should be at least 2 Years
  • You would require basic documentation such as your address proof, identity proof, latest bank statements etc.

 

Personal Loan Documents Required in New Delhi

These documents are used to verify the identity of the applicant, their address, income and other related factors. Unless the bank feel the applicant is genuine, reliable and has good credit worthiness, personal loan will not be approved.

  1. Three passport size photographs
  2. ID proof – Passport/voter ID/ Aadhar or drivers licence
  3. Residence Proof – Passport/ Landline bill/ post paid mobile bill/ rental agreement or Bank Statement
  4. Pan Card copy
  5. Age Proof – Passport/ drivers licence/school certificate or Pan Card copy
  6. Income Proof - Latest 3 months salary slips
  7. Banking Statement - 6 months bank statements
  8. Job Stability & Continuity – Offer Letter, Relieving Letter and Form 16

 

Personal Loan Interest Rates, Fees & Charges in New Delhi

Irrespective of which bank you are applying loan, this are the common types of charges and fees that every applicant will have to incur.

Personal Loan Delhi details:

Interest Rates

11.49% – 26.00%

Processing Fees

0.99% – 3.00%

Pre-payment Charges

Nil – 5.00%

Repayment Period

Upto 7 years

CIBIL Score

Min. 750

Lowest EMI

Rs. 2199.26 per lac

 

Personal Loan Interest Rates 2017
Bank Interest Rates
HDFC Bank

11.49 - 19.50%

ICICI Bank

11.49 - 17.99%

Bajaj Finserv

11.49%

Fullerton India

21.00 - 32.00%

Kotak Mahindra

11.50 - 20.00%

IndusInd Bank

12.99 - 17.00%

Standard Chartered

11.99 - 15.00%

 

Processing Fees / Prepayment Charges
Bank/NBFC

Processing Fee

Pre-payment charges

Bajaj Finserv

2 - 2.5%

Nil

ICICI Bank

0.8% - 2.00%

Zero or 5.00%

Axis Bank

2.00%

Nil

Kotak Mahindra Bank

1.5 - 2.00%

5.00%

HDFC Bank

0.8% - 2.00%

4.00%

Fullerton India

N.A

4.00%

 

Frequently Asked Questions