Apply for Personal Loan in Jaipur

50,000
40,00,000
0
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 Jaipur

In order to get a personal loan in Jaipur, you should definitely have sufficient income and credit scoring. These are the two basic factors upon which a bank decides whether to consider the applicant’s loan request or not. The credit scoring and eligibility can now be checked online through Finance Buddha, even before applying with the bank. This way there will be less probability of getting the loan rejected. Apart from these another main factor is the accurate documentation. If you can submit all relevant documents within given deadline, then there is bare minimum chance of getting the loan rejected.

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

Comparing and choosing a best personal loan provider is always a task, it is essential to understand the way they work, banks interest rates, types of loans offered- secured, unsecured, fixed, variable, overdraft and line of credit, go through the bank’s application checklist and look for Star ratings. There are a lot of online applications to compare what is offered by each bank, choose the top five, bring down your list to top 3 and then narrow it down further to the bank that offers the best personal loan.

Personal Loan Eligibility Criteria in Jaipur

Though the eligibility criteria vary from bank to bank, this information will help you to understand the rough information of eligibility before applying for a personal loan. In most of the cases the eligibility can be a little flexible according to the income and credit score of the applicant.

  1. Age of the applicant should be between 21-60 Years
  2. 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. Eg. If you are in a Metro the salary requirement will be higher than non-metro and again if you are working in a top MNC the salary requirement would be lesser than one working with a startup.
  3. Should be staying in the city for at least 1 Year
  4. Total work experience should be at least 2 Years
  5. You would require basic documentation such as your address proof, identity proof, latest bank statements etc

Personal Loan Documents Required in Jaipur

The faster you submit; quicker will be the processing loan the personal loan. As compared to other types of loans, documentation for personal loan is easier and simple. As long as the applicant has good credit rating and sufficient income, the personal loan request will be approved for about 95% with most of the reputed banks.

Documents required for Salaried Individuals:

  1. Application form and your latest photograph (2)
  2. Proof of Identity: Copy of passport/voter ID card/driving license/PAN cards
  3. Proof of Address: Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport
  4. House ownership Proof: Property Documents/Maintenance Bill/Electricity Bil
  5. Bank Statement: Last 3 months bank statement
  6. Income Proof: Salary slip for last 3 months/ current dated salary certificate with the latest Form 16
  7. Investment Proof (if any): Please submit if any investment like, Fixed Deposit, Shares, Fixed Assets, etc.
  8. Existing EMI: If any existing loan, please submit sanction letter, Payment Track Record.

Documents required for Self-Employed Individuals:

  1. Application form and your latest photograph (2)
  2. Proof of Identity: Copy of passport/voter ID card/driving license/PAN card
  3. Proof of Address: Leave and License Agreement / Utility Bill (not more than 3 months old) / Passport
  4. House Ownership Proof: Property Documents/Maintenance Bill/Electricity Bill
  5. Office Address Proof: Maintenance Bill, Utility Bill
  6. Business Existence Proof: Saral Copy for 3 yrs, Shop Establishment Act, Any Tax Registration Copy, Company Registration license
  7. Income Proof: Latest 2 years Income Tax Returns including Computation of Income, Profit and Loss Account, Balance Sheet, Audit Report, etc.,
  8. Bank Statement: Latest 1 year bank statement both current and savings.
  9. Investment Proof (if any): please submit if any investments like, Fixed Deposit, Shares, Fixed Assets, etc.

  10. Existing EMI: If any existing loan, please submit sanction letter, Payment Track Record.

Personal Loan Interest Rates, Fees & Charges in Jaipur

In case if you would like to compare the interest rates of various banks that offer personal loan in Jaipur, then this chart is the best.  This gives the direct comparison of the interest rates for personal loan with various banks of Jaipur.

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

Personal Loan Jaipur 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

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

1.5 - 2.00%

5.00%

HDFC Bank

0.8% - 2.00%

4.00%

Fullerton India

N.A

4.00%


Frequently Asked Questions