Personal Loan Lucknow

Documents required for Personal Loan in Lucknow:

The documentation process in personal loan is very fast as against secured loans. Following documents are required by financial institutions to process the loan application:

• Identity proof
• 3 to 6 months Bank statements
• Residence proof
• Salary slip
• Guarantors & their same set of documents
In case of self-employed banks require balance sheets, profit & loss account, partnership deed & other mandatory documents etc.

Get lowest interest rates on Personal loan in Lucknow from top 10 Banks & your CIBIL score absolutely FREE.
Loan Amount
Employment Status

Personal Loan Interest Rates in Lucknow

Banks Rate of Interest Processing Fee Loan Amount Prepayment Charges Disbursal Time Part Payment Option
Bajaj Finance 10% - 18% 1.50% - 3.99% Rs.1,00,000 - Rs.35,00,000 4.72% inclusive of taxes Within 24 Hours Yes
IndusInd Bank 10.25% - 26% 3.5% Rs.30,000 - Rs.25,00,000 4% + GST (after 12 EMIs) 2-4 Days No
ICICI Bank 10.60% - 16.50% Up to 2% As per Eligibility 3% + GST (Nil after 12 EMIs) 24-72 Hours Yes
Yes Bank 10.85% - 21% 2.50% Rs.25,000 - Rs.40,00,000 2% Part Prepayment + taxes; Foreclosure: 4%(13-24m), 3%(25-36m), 2%(37-48m), Nil(>48m) Few Hours - 5 Days Yes
Tata Capital 10.99% - 17.99% 3.5% + GST Up to Rs.35,00,000 0% up to 25%; 6.5%(within 12m) / 4.5%(after 12m) on excess 3-4 Days Yes
SMFG India Credit 10.99% - 24% Up to 5% + GST Up to Rs.30,00,000 0% - 7%; Lock-in 6-12 months 30 Min - 48 Hours No
Kotak Bank 10.99% - 24% 2.50% - 5% Rs.50,000 - Rs.35,00,000 Floating: Nil; Fixed: 4%(up to 3yr), 2%(after 3yr) Few Hours - 2 Days Yes
KreditBee 12% - 29.95% Up to 5.1% + GST Up to Rs.10,00,000 4% of Principal + GST 15 Min - 3 Working Days Yes
Unity Small Finance Bank 15.50% - 30% 3.25% + e-franking Up to Rs.5,00,000 4% after 6-month lock-in 15 Min - 2 Hours Yes
Navi Finserv 9.90% - 36% zero Up to Rs.20,00,000 Nil (Zero Prepayment Penalty) 5-20 Minutes Yes
Poonawalla Fincorp 9.99% - 18% 0% - 3% + GST Rs.1,00,000 - Rs.50,00,000 Nil after 6 EMIs, else 4% Instant (1-2 Days) Yes
IDFC First Bank 9.99% - 18% 1.5% - 2% + GST Rs.1,00,000 - Rs.1,00,00,000 Up to 5%; Zero for FIRSTmoney 30 Min - 7 Days Yes
HDFC Bank 9.99% - 24% Up to 2.50% (Max Rs.25,000) Rs.25,000 - Rs.40,00,000 4%(0-24 EMIs), 3%(24-36 EMIs), 2%(after 36 EMIs) At Bank's Discretion Yes
Ram Fincorp Up to 35% p.a. Up to 5% Rs.5,000 - Rs.2,00,000 Zero ~30 Minutes Yes

Eligibility Criteria
Eligibility Criteria for Personal Loan in Lucknow
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/-

List of Personal Loans Banks
HDFC Bank
ICICI Bank
Bajaj Finserv
Yes Bank
Canara Bank
close
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 Lucknow
Identity Proof : Passport/ Driving License/PAN card/ Photo credit card (with embossed Signature and last two months
close
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 Lucknow
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/-

 

List of Major Bank Branch Address for Personal loans in Lucknow

 

Bank Name Lucknow
IDBI Bank Vishal Khand, Vishal Khand, Near L D A Market, Gomti Nagar, Lucknow, Uttar Pradesh 226010 
Corporation Bank 60, Mahatama Gandhi Marg, Mahatama Gandhi Marg, Near Northern Railway Office, Hazratganj, Lucknow, Uttar Pradesh 226001
Union Bank of India Dr. V.N. Verma Road, Aminabad, Lucknow, Uttar Pradesh 226001
ICICI Bank Bhootnath Market, Bhootnath Market, Near Faizabad Road, Indira Nagar, Lucknow, Uttar Pradesh 226016 
Syndicate Bank - Gomtinagar 1/6, Viram Khand, Patrakarapuram Crossing,Gomti Nagar, Lucknow, Uttar Pradesh 226010 
Union Bank of India UP State, Agro Industrial Corporation, Vidhab Sabha Marg, Lucknow, Uttar Pradesh 226001  
Punjab National Bank 94, M G Road, M G Road, Lucknow, Uttar Pradesh 226001 
Syndicate Bank Gole Market, Near Ekta Park, Mahanagar, Lucknow, Uttar Pradesh 226006 
Dena Bank 1/1, Naval Kishor Road, Naval Kishor Road, Near Leela Cinema, Hazratganj, Lucknow, Uttar Pradesh 226001
HDFC Bank Ltd A-1/15, Puraniya Chauraha, Puraniya Chauraha, Near Sitapur Road, Aliganj, Lucknow, Uttar Pradesh 226020 
Central Bank Of India P.B.NO.161 72,, Mahatma Gandhi Marg, Hazratganj, Lucknow, Uttar Pradesh 226001
Allahabad Bank Mahatma Gandhi Marg, Mahatma Gandhi Marg, Near Governer House, Hazratganj, Lucknow, Uttar Pradesh 226001  
Central Bank of India Butler Colony, Lucknow, Uttar Pradesh  
Indusind Bank Ks Trident,, 10, Rana Pratap Marg, Civil Lines, Lucknow, Uttar Pradesh 226001  
Canara Bank 44/15, Nawal Kishore Road, Opposite Leela Cinema, Sapru Marg, Prem Nagar, Hazratganj, Lucknow, Uttar Pradesh 226001
Central Bank of India Cantonment Road, Husainganj, Lucknow, Uttar Pradesh 226018 
Corporation Bank Atul Market, Opposite Lekhraj Market, Faizabad Road, Faizabad Road, Lucknow, Uttar Pradesh 226016
Gramin Bank of Aryavart A-2/46, Vijay Khand, Gomati Nagar, Lucknow, Uttar Pradesh 226010
State Bank Balaji Complex, Kanpur Road, Kanpur Road, Krishna Complex, Krishna Nagar, Lucknow, Uttar Pradesh 226012 
Bank of Baroda Awadh Tower, Naval Kishore Road, Naval Kishore Road, Near LIC Building, Hazratganj, Lucknow, Uttar Pradesh 226001

 
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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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