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Personal Loan in Ludhianaadmin2023-11-07T03:44:17+00:00
Personal Loan in Ludhiana
Meet your big-ticket needs with Personal Loan in Ludhiana
Personal Loan is an unsecured loan taken by people to meet their immediate or current personal needs. This bank is taken from banks and non-banking financial companies.
The major advantage of this loan is that it can be used for any personal financial need as its use is not monitored by the loan approval agency. Thus, whether an individual need quick money to meet wedding expenses, vacation expenses, higher education fee, home renovation and more.
If you are looking for quick and hassle-free personal loan in Ludhiana, Your Loan Advisors can help you in this endeavor. They consider eligibility criteria like age, occupation, income level, and loan repayment abilities to approve the loan. As soon as the borrower gets approved on these criteria, the loan disbursal process begins, and the money reflects in his account in no time. Taking a personal loan in Ludhiana from Your Loan Advisors means minimum documentation, quick disbursal and easy installments. Moreover, the borrowers get the loan at the best terms and conditions. The repayment amount and schedule are decided as per the borrowers’ monthly income. The quick availability of funds at the time of need makes this loan option one of the most sought-after loans in the market.
Personal Loan Interest Rate In Ludhiana
| Loan Provider | Interest Rate | Processing fees | Tenure | Loan Amount |
|---|---|---|---|---|
| Hdfc Bank | 11.49% – 20% | 0.5%-2.5% of loan amount | 12-60 mths | 50k-30 lakhs |
| Icici Bank | 11.49% – 20% | 1%-2.5% of loan amount | 12-60 mths | 50k-25 lakhs |
| Axis Bank | 11.99% – 22% | 2% of loan amount | 12-60 mths | 50k-20 lakhs |
| Citibank | 11.75%-20% | 0.25-1% of loan amount | 12-60 mths | 1-25 lakhs |
| Kotak Bank | 11.99% – 22% | 2% of loan amount | 12-60 mths | 50k-15 lakhs |
| Yes Bank | 10.75% – 18% | 0.5%-2.5% of loan amount | 12-60 mths | 50k-30 lakhs |
| Bajaj Finserv | 13% – 16% | 2% of loan amount | 12-60 mths | 1-25 lakhs |
| Standard Chartered | 11.50% – 18% | 0.5%-2% of loan amount | 12-60 mths | 50k-25 lakhs |
| IDFC Bank | 11.50% – 18% | 0.5%-2.5% of loan amount | 12-60 mths | 50k-30 lakhs |
| Capital First | 12.5% – 22% | 2% of loan amount | 12-60 mths | 50k-20 lakhs |
| Fullerton India | 13.5% – 20% | 1% – 3.5% of loan amount | 12-60 mths | 50k-20 lakhs |
| Indusind Bank | 11.99% – 23% | 2% of loan amount | 12-60 mths | 50k-20 lakhs |
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Personal Loan Eligibility Criteria in Ludhiana
| Age | 21 Years to 60 Years |
| Educational Qualification | Graduate |
| Income | Above 20 k Per Month |
| Bank Account | Salary Account In a Recognised Bank |
| Work Experience | 12 Months |
| CIBIL Score | 720 and Above |
Documents Required for Personal Loan in Ludhiana
KYC Documents
Identity Proof – PAN / Passport / Driver’s License / Voter ID card / Aadhaar card, etc.)
Address Proof– Passport / Aadhaar card / Landlines Telephone Bill / Electricity Bill, Ration Card, etc.)
Aadhar Card Copy.
2 Passport Size photographs.
A/C Statement
Bank statements of the last 6 months
Details of the previous loans and A/c Statement for last 1 year, if any
For Salaried Employees
Form 16 or IT returns – last 2 years
Salary slips for last 3 months
For Self-Employed
Income Tax Returns
Turnover proof/service tax returns
Proof of business continuity
Balance sheet for the last 3 years
Address proof of the work place
Qualification or registration proof required for Self-employed Professionals
List of Bank Branches for apply personal loans in Ludhiana
| Bank Name | Address | Pincode |
|---|---|---|
| Hdfc Bank | 112, Pakhowal Rd, Sarabha Nagar, Ludhiana, Punjab | 141001 |
| Hdfc Bank | Syal Complex, Gill Rd, Cycle Market, Tagore Colony, Miller Ganj, Ludhiana, Punjab | 141003 |
| Hdfc Bank | 1601, GT Rd, Ludhiana, Punjab | 141003 |
| Hdfc Bank | Stock Exchange, LSE Building, Feroze Gandhi Market Road, Feroz Gandhi Market, Jila Kacheri Area, Model Gram, Ludhiana, Punjab | 141001 |
| Icici bank | Fountain Chowk, Plot No-67, Upper Ground Floor, The Mall Rd, Ludhiana | 141001 |
| Icici bank | Focal Point, Phase-V, C-145 A, Ludhiana, Punjab | 141001 |
| Icici bank | Feroze Gandhi Market, Nehru Sidhant Kender Trust Building, Ludhiana, Punjab | 141001 |
| Icici bank | G-462, Block G, Bhai Randhir Singh Nagar, Ludhiana, Punjab | 141001 |
| Axis bank | Pakhowal Rd, Opposite To, South End Garden, Phullanwal, Ludhiana, Punjab | 141022 |
| Axis bank | #457-G, Ground Floor, Ferozpur Rd, Block G, Bhai Randhir Singh Nagar, Ludhiana, Punjab | 141002 |
| Axis bank | SCO 21, Indra Market, Opp Cycle Market, Gill Road, Ludhiana, Punjab | 141003 |
| Axis bank | Chandigarh Rd, Karam Colony, Guru Arjan Dev Nagar, Ludhiana, Punjab | 141112 |
| kotak bank | SCO 120, Ground Floor, Feroze Gandhi Market Road, Feroz Gandhi Market, Jila Kacheri Area, Model Gram, Ludhiana, Punjab | 141001 |
| kotak bank | 422, Murad Pura Rd, Tagore Colony, Miller Ganj, Ludhiana, Punjab | 141003 |
| kotak bank | B-24-2594, Taraf saidan, Gali Number 2, Ludhiana, Punjab | 141007 |
| Indiabulls | SCO 16,17, 1st And 2nd Floor, Pakhowal Rd, Feroze Gandhi Market, Stock Exchange, Feroz Gandhi Market, Jila Kacheri Area, Model Gram, Ludhiana, Punjab | 141001 |
| Indiabulls | S.C.O.-16-17, Ist Floor, Fortune Chambers, Fortune Chambers, Near State Bank of Patiala, Feroz Gandhi Market, Ludhiana, Punjab | 141008 |
| Indiabulls | SCO 23 Samrala Road Urban Estate Vardhman Chowk, Sector 32A, Ludhiana, Punjab | 141010 |
| Indusind Bank | Gol Market, Urban Estate Phase 1, Jamalpur Colony, Ludhiana, Punjab | 141003 |
| Indusind Bank | S.C.O. No. 12, 13 Canal Colony Near NRI silk store, Shaheed Bhagat Singh Nagar, Ludhiana, Punjab | 141001 |
| Indusind Bank | Near, Lower Ground Floor, Ganapati tower, Gill Rd, Cycle Market, Miller Ganj, Ludhiana, Punjab | 141003 |
| Indusind Bank | Aarti Chowk, Firoze Gandhi Market, Gurdev Nagar, Ludhiana, Punjab | 141001 |
| Fullerton Bank | 4788,1st Floor, Jagdambey Complex, Rajpura Rd, Tagore Nagar E-Block, Civil Lines, Ludhiana, Punjab | 141001 |
| Citibank | Ground Floor Ludhiana Stock Exchange Building, Feroze Gandhi Market Road, Ludhiana, Punjab | 141001 |
| Standard Chartered Bank | Shop No. 17 & 18, Ground Floor, Flamez Mall, 755, Gurdev Nagar, Ludhiana, Punjab | 141001 |
| Standard Chartered Bank | Sco-16, 17, Feroze Gandhi Market Road, Durga Nagar, Bharat Nagar, Sita Nagar, Ludhiana, Punjab | 141001 |
| Yes Bank | SCF 11 & 12 Main Market, Bhai Randhir Singh Nagar, Ludhiana, Punjab | 141012 |
| Yes Bank | B 24/2593, GF, 1st Floor Jagat Nagar, Sunder Nagar, Chowk, Ludhiana, Punjab | 141007 |
| Yes Bank | B-Xx/2427/928, Gf- Ff,, Gobind Nagar,, Ferozepur Road, Ludhiana, Punjab | 141001 |
| Yes Bank | 528 R, Ground Floor, Deep Hospital Rd, Model Town, Ludhiana, Punjab | 141002 |