Personal Loan Sbi-ambala

SBI Advantages in personal loans over other banks in Ambala:

  • Low interest rates. Further, we charge interest on a daily reducing balance!!
  • Low processing charges; only 2%-3% of loan amount
  • No hidden costs or administrative charges.
  • No security required ……which means minimal documentation…something that you had always wanted.
  • No prepayment penalties. Reduce your interest burden and optimally utilize your surplus funds by prepaying the loan (1% of the loan amount will be charged if you repay the loan before 6 months)
  • Long repayment period of up to 48 months.
Get lowest interest rates on Personal loan in Sbi-ambala from top 10 Banks & your CIBIL score absolutely FREE.
Loan Amount
Employment Status

Personal Loan Interest Rates in Sbi-ambala

Banks Rate of Interest Processing Fee Loan Amount Prepayment Charges Disbursal Time Part Payment Option
Yes Bank 10.45% - 16.99% Upto 2% Rs.100,000 - Rs.20,00,000 Nil Above 7.5Lacs 48 Working Hours No
IDFC First Bank 10.49% - 25% 2% - 2.5% Rs.100,000 - Rs.1,00,00,000 5% of Principal outstanding 24-48 hours Yes
Kotak Bank 10.50% - 16.99% 0.99% - 2.5% Rs.100,000 - Rs.20,00,000 Zero (if loan Amount is more than 10 lakhs) Else 5% 3 - 4 working days Yes
HDFC Bank 10.75% - 13.45% upto 3999 + GST Min. 50,000 Max. as per eligibility Nil (For Loan amount>10 lakhs and 12 EMI paid), else 4% 3 - 4 Days No
ICICI Bank 11% - 17.50% Rs.999 for Special offers otherwise 1% - 2.5% Rs.50,000 - Rs.20,00,000 Nil (For Loan amount >10 lacs & 12 EMI paid), else 5% 3 - 4 working days No
Standard Chartered 11.00% - 12.50% 1% Rs.1,00,000 - Rs.50,00,000 Upto 5% 3-4 Working days Yes
Citibank 11.49% to 16.50% Upto 2.0% + 0.5% (waiver on PF)
Special surprise gift from Citi Bank		 Rs.1,00,000 - Rs.30,00,000 Upto 3% 48 hours Yes
Bajaj Finance 11.99% - 16% Upto 2% Upto Rs.25 Lacs Upto 4% post 1st EMI clearance Approval In 48 Hours Yes
Tata Capital 11.99% - 17% Rs.999-2.50% Rs.75,000 - Rs.15 Lacs Part Prepayment Charges: Nil (Allowed Post 6 months, Once a year, 25% of Principal Outstanding) Loan disbursement in 3-4 days Yes
SMFG India Credit 11.99% - 26% 2% Rs.50,000 - Rs.15,00,000 Upto 7.00%, 0% after 3 years 2-8 days No
IndusInd Bank 12.99% - 20% 0.5% -2% Rs.1,00,000 - Rs.25,00,000 4% 4 working days No
HDB Financial Services 16% - 21% up to 2% Rs.100,000 to Rs.15,00,000 Nil for Selected Corporates Employees (CAT A & B).
4% For Rest		 2 days - 7 days No

Eligibility Criteria
Eligibility Criteria for Personal Loan in Sbi-ambala
Banks offer Loan to borrowers depending on various factors such
as income, employment, continuity of business so as to make sure that they repay the loan with interest before the due date.
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Banks offer Loan to borrowers depending on various factors such as income, employment, continuity of business so as to make sure that they repay the loan with interest before the due date. The eligibility criterion of a personal loans is primarily based on the work profile of a loan seeker which is broadly divided into the following two classes:
Salaried Self Employed
Metros: Minimum Salary Required is Rs. 15000/- p.m
Other Cities: Minimum Salary is Rs. 12500/- p.m 		Metros: Minimum ITR Rs. 150000/-
Other Cities: Minimum ITR Rs. 150000/-

List of Personal Loans Banks
HDFC Bank
ICICI Bank
Bajaj Finserv
Yes Bank
Canara Bank
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HDFC Bank Bajaj Finserv ICICI Bank Axis Bank
SMFG India ING Vysya Kotak Bank HDB Financial Services
Bank of India Union Bank of India United Bank of India Punjab National Bank
IndusInd Bank Dena Bank Andhra Bank Citibank
Indian Bank Vijaya Bank Corporation Bank RBS

Documents required
for Personal Loan
Documents required for Personal
Loan in Sbi-ambala
Identity Proof : Passport/ Driving License/PAN card/ Photo credit card (with embossed Signature and last two months
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Age Proof : PAN Card/ Passport/ Driving License / School leaving certificate/ Voter’s card/BirthCertificate/ LIC policy (only for age Proof). (Anyone of the above) Address Proof : Passport/ Telephone bill (BSNL/MTNL)/ Electricity bill/ Title deed of property/Rental agreement/ Driving license/ Election ID card/ Photo-credit card (with last two month statements) (Anyone of the above)
Income Proof : Latest salary slip/current dated salary Certificate with latest form 16 (Anyone of the above)
Job Continuity Proof : Form 16/relieving letter/appointment Letter (for last two months) (Anyone of the above)
Banking History : Bank statements of latest 2 months/ 3 months bank passbook (Anyone of the above)

Eligibility Criteria
Eligibility Criteria for Personal Loan in Sbi-ambala
Banks offer Loan to borrowers depending on various factors such
as income, employment, continuity of business so as to make sure that they repay the loan with interest before the due date.
close
Banks offer Loan to borrowers depending on various factors such as income, employment, continuity of business so as to make sure that they repay the loan with interest before the due date. The eligibility criterion of a personal loans is primarily based on the work profile of a loan seeker which is broadly divided into the following two classes:
Salaried Self Employed
Metros: Minimum Salary Required is Rs. 15000/- p.m
Other Cities: Minimum Salary is Rs. 12500/- p.m 		Metros: Minimum ITR Rs. 150000/-
Other Cities: Minimum ITR Rs. 150000/-

Why to choose SBI Bank in Ambala - Feature

Loan Amount

  • Your personal loan limit would be determined by your income and repayment capacity.
  • Minimum: Rs.24,000/- in metro and urban centres
  • Rs.10,000/- in rural/semi-urban centres
  • Maximum: 12 times Net Monthly Income for salaried individuals and pensioners subject to a ceiling of Rs.10 lacs in all centres

Repayment The loan is repayable in 48 EMI. You are allowed to pay more than the EMI if you wish to, without attracting any prepayment penalty. Security - NIL

Processing Fee

Processing charges are 2-3% of the loan amount. This is amongst the lowest fees in the industry. Processing fees have to be paid up front. There are no hidden costs or other administrative charges. Bank Branches in Ambala:

Bank Branch Branch Code Address Contact
State Bank Of India (SBI) AMBALA CANTT 000607 AMBALA CANTT. City: AMBALA District: AMBALA State: HARYANA IP-400501
State Bank Of India (SBI) INDUSTRIAL ESTATE, AMBALA CANTT 008565 AMBALA.CANTT, PIN.133003 City: AMBALA District: AMBALA State: HARYANA 0171-2699389 IP-400601
State Bank Of India (SBI) SADAR BAZAR AMBALA CANTT 002468 SADAR BAZAR, AMBALA CANTT AMBALA, HARYANA, 133001 City: AMBALA District: AMBALA State: HARYANA 0171-2630759 0171-2632032 IP-400556
State Bank Of India (SBI) R.A.BAZAR, AMBALA 005670 AMBALA, HARYANA, PIN.133001 City: AMBALA District: AMBALA State: HARYANA 0171-2600533 0171-2631951 IP-340196
State Bank Of India (SBI) BABIAL 002294 DT.AMBALA, HARYANA City: BABIAL District: AMBALA State: HARYANA IP 340570, 0171-2669653
State Bank Of India (SBI) GOVT. POLYTECNIC AMBALA CITY 010057 GOVT POLYTECNIC AMBALA CITY 134001 City: AMBALA District: AMBALA State: HARYANA 0171-2556574, IP:409415
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Top Bank for Personal Loans

Personal Loan Rates 2023

ICICI Bank 10.99 - 16.50%
Kotak Mahindra 10.99 - 17.25%
Standard Chartered 11.50 - 18.00%
HDFC Bank 10.99 - 20.75%
Bajaj Finserv 11.99% onwards
IndusInd Bank 12.99 - 20.00%
SBI 12.90 - 16.55%
Citibank 10.99%
Tata Capital 10.49 - 19.00%
SMFG India 11.99 - 26.00%

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