Tata Capital Personal Loan
4.5/5.0 680 users
11.25% - 14.49%
Up to 2.75%
Up to Rs.20L
1 - 6 Years
Documents
- KYC - PAN, address and ID proof
- Income proof, bank statement and a photograph
Speciallity
- Conditional pre-closure and part payment after 12 months
- Maximum loan term of 6 years
- 25% part payment allowed in a year
- No guarantor required
Fee Details
- Part-prepayments can be made only after 6 months. They are allowed only once a year with a minimum gap of 6 months between two part-prepayments. Amount prepaid cannot exceed 25% of the principal outstanding and a charge of 2.5% (plus applicable taxes) will be applied amounts above 25% of the principal outstanding
Fee Charge
- For loans above 7 lakhs, a 12-month clean payment track is a must for loan foreclosure and a charge of 3.5% + GST applies unless loan is closed with own funds
Eligibility Criteria
Payslip
Cat A & B - 15k
Cat C- 20k
SMFG India Credit Personal Loan
4.5/5.0 937 users
11.99% - 25.00% Fixed
3.00% - 6.00% One time fee
Up to Rs.25L
1 - 5 Years
Documents
- Photo ID proof
- Current address proof
- Last 3 months bank statement
- Last 3 months salary slips
- Passport-size photograph
Speciallity
- E-approval
- Part-payment available
- Top-up loan available
- No guarantor required
- Balance transfer
Fee Details
- Pre-closure fee = 3% - 7% of principal outstanding (plus applicable tax)
Fee Charge
- Pre-closure fee = 3% - 7% of principal outstanding (plus applicable tax)
Eligibility Criteria
- Age limit - 21 years to 65 years
- Salaried individuals with minimum net monthly income of 15,000 and above
- For salaried individuals residing in metro cities, a minimum net monthly income of 20,000 and above is required
HDFC Bank Personal Loan
4.5/5.0 764 users
10.75% - 21.50%
Up to 2.50%
Up to Rs.40L
1 - 5 Years
Documents
- KYC - PAN, address and ID proof
- Income proof, bank statement and a photograph
Speciallity
- Conditional pre-closure after 1 year
- This offer is available only if all necessary documents are uploaded online
Fee Details
Up to 2.50% One time fee
Fee Charge
Up to 2.50%
Eligibility Criteria
- Salaried - Age at least 21 and less than 60
- Self-employed - Age at least 21 and less than 65
- Applicant should be earning at least 20,000 per month as net income ( 25,000 for applicants from Madhya Pradesh)
Aditya Birla Capital Personal Loan
4.5/5.0 847 users
11.00% - 13.75%
1.00% One time fee
Up to Rs.30L
1 - 5 Years
Documents
- KYC-PAN, address & ID proof
- Income proof, bank statement (latest 6 months), salary slip (latest 3 months)
Speciallity
- No guarantor required
- Conditional pre-closure - only after 6 months
- Has part payment option
Fee Details
- Preclosure fee = 4% of principal outstanding in the 1st year; 3% in the 2nd year and 2% thereafter
- Part payment fee = 0
Fee Charge
- Preclosure fee = 4% of principal outstanding in the 1st year; 3% in the 2nd year and 2% thereafter
- Part payment fee = 0
Eligibility Criteria
- The applicant will have to be a permanent employees of Aditya Birla Financial Services Group
- At least 23 years old and no older than 60 years old
- Minimum net monthly income that is not less than 45,000
IndusInd Bank Personal Loan
4.5/5.0 994 users
11.00% - 16.75%
Up to 3.50%
Up to Rs.5L
Up to 5 Years
Documents
- KYC - PAN, address & ID proof
Speciallity
- Pre-qualified offer - NO income documents required
- Easily complete KYC online via video call with bank representative
- Quick approval, flexible tenure
- No guarantor required
- Has pre-closure option
Fee Details
Up to 3.50%
Fee Charge
- Pre-closure fee = 4% of principal outstanding (plus applicable tax)
Eligibility Criteria
- Age at least 23 years and less than 58 years for salaried
- Age at least 28 years and less than 68 years for self-employed
- For salaried, 2 years minimum overall work experience with 1 year minimum experience in current company
- For self-employed, at least 5 years of experience after relevant qualification
PaySense
4.5/5.0 773 users
18.00% - 36.00%
2.00% - 3.00%
Rs.1L - Rs.5L
Up to 5 Years
Documents
- KYC - PAN, current address and ID proof
- Photograph
Speciallity
- Instant short-term loan from 1 lakh to 5 lakhs
- No income documents required
- Quick approval and disbursal
- No hidden fees or charges
- Affordable EMI plans
Fee Details
- Pre-closure fee = 4% on principal outstanding. Allowed only after first 3 EMIs
- Late payment fee = 500 + GST
Fee Charge
- Pre-closure fee = 4% on principal outstanding. Allowed only after first 3 EMIs
- Late payment fee = 500 + GST
Eligibility Criteria
- Salaried - Age at least 24 and less than 55 income should be minimum 15k
- Self-employed - Age at least 25 and less than 65
- Applicants should be currently employed, with at least 1 year with their current employer
Upwards
4.5/5.0 625 users
18.00% - 36.00%
2.00% - 4.00%
Rs.1L - Rs.2L
Up to 5 Years
Documents
- No hidden fees or charges
- Affordable EMI plans
Fee Details
-
Fee Charge
- Pre-closure fee = 4% on principal outstanding. Allowed only after first 3 EMIs
- Late payment fee = 500 + GST
Eligibility Criteria
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L&T Finance Personal Loan
4.5/5.0 615 users
11.00% - 18.00%
Up to - 3.00% + Applicable taxes
Rs 50K to Rs 7L
- Consumer Loan: 1-4 years
Documents
Documents for L&T Finance Personal Loan
- PAN card
- Aadhar card
- Proof of residence
Income Proof for L&T Finance Personal Loan
- No income proof is required
Speciallity
- Purpose: L&T Finance Consumer Loan allows personal loan borrowers to procure funds for expenses related to home renovation, marriage, festivals, education and medical needs.
- Loan Amount: Rs 50,000 to Rs 7 lakh
- Tenure: 1-4 years
Fee Details
- Processing Fees: Up to - 3.00% + Applicable taxes
Fee Charge
- Foreclosure Charges : 5% of the outstanding principal amount plus applicable taxes
Eligibility Criteria
The criteria set for loan applicants availing of L&T Finance Personal Loans are as follows:
Residential Status: Indian Citizens with valid ID proof
Age: 23 to 57 years
Availability: Availability across all major Indian towns and cities
Additionally, L&T Finance may also consider the credit scores of their personal loan applicants to determine their eligibility for availing of personal loans like other lenders.
Link LTFS CL https://www.ltfs.com/companies/lnt-finance/consumer-loan.html
RBI Sachet link https://sachet.rbi.org.in/
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Incred Finance
4.5/5.0 947 users
13.99% to 42% p.a.
2 to 5%
| Up to Rs 10 lakh |
Upto 48 months
Documents
Documents for Incred Finance Personal Loan
- PAN card
- Aadhar card
- Proof of residence
Income Proof for L&I ncred Finance Personal Loan
- income proof is required
Speciallity
- Purpose: Incred Finance Consumer Loan allows personal loan borrowers to procure funds for expenses related to home renovation, marriage, festivals, education, and medical needs.
- Loan Amount: upto Rs 10 lakh
- Tenure: 1-4 years
Fee Charge
Foreclosure Charges : 5% of the outstanding principal amount plus applicable taxes
Eligibility Criteria
The applicant must be a resident of India
* Your PAN card is required
* The age limit of the applicant should be between 21-55 years
* Any govt. issued ID proof such as an Aadhaar card, Voter ID, Driver’s license, or a valid passport
* The applicant must be an individual with a minimum monthly income of ₹15,000
Grievance Redressal Mechanism - Click Here
RBI Sachet link Click Here
Partnership - Incred Finance
Faircent
4.5/5.0 620 users
13.99% to 42% p.a.
2% to 5%
| Up to Rs 10 lakh |
Upto 48 months
Documents
- India's Largest P2P lending platform with Lakhs of registered lenders and borrowers.
Speciallity
- 1st NBFC-P2P Regulated by RBI.
- Lakhs of loans seamlessly disbursed every month.
- Tech-enabled platform to facilitate risk management.
- Simple, transparent and online investing experience seamlessly managed by Faircent.
Fee Charge
| Loan Amount (in INR) | Processing Fee* |
| Up to 3 Lakhs | 8% |
| 300001 - 6 lakhs | 7% |
| 600001 - 10 lakhs | 6% |
*Service tax/GST/other taxes to be charged additionally as applicable
Eligibility Criteria
- Be a resident of India.
- Have a minimum gross income of INR 3 lacs per annum.
- Provide all the documents mentioned in the checklist
RBI Sachet link Click Here
Partnership - Faircent