Personal Loans are given by most major banks and financial institutions to individuals without asking for the requirement or need in Lucknow. They are unsecured loans given from Rs. 50,000 to Rs. 40,00,000 which means that you need not mortgage anything or show an asset. Some reasons for availing a Personal Loan in Lucknow include medical needs, travel, home renovation, wedding, good purchases and so on. Other reasons for which a loan can be availed is to get a top-up loan, balance transfer or debt consolidation.
If you need a Personal Loan in Lucknow, you must have a good credit history and adequate salary to get your personal loan sanctioned with a Bank or an NBFC in Lucknow. Other factors like years of employment, company you work for etc will determine the most important factors like amount, tenure and rate of interest. Some of the banks in Lucknow give you the flexibility to pre-close the loan without any additional charges. Most banks have a pre-closure charge in the 4%-5% range.
Lucknow is the capital of the state of Uttar Pradesh and it is the second largest city in North India after Delhi. The place is known as the city of Nawabs with its many historical monuments, inviting attitude and delicious cuisine. The city resides on the banks of the Gomti river and is divided into 110 wards like aliganj, alambagh, mohanlalganj, chinhat, amausi, charbagh etc. The city is famous for its culture of poetry and a rich heritage with monuments like the Bara Imam Bara and Chattar Mazil as well as institutions like the La Martiniere College. The economy of the city is run by industries like aeronautics, machine tools, distillery, furniture and chikan embroidery with more modern influences coming from software services, bio-tech and and pharma.
Lucknow is the second biggest city in the north of India after Delhi while also being an important historical, political and commercial lineage. Most of the major banks and Non-Banking Financial Institutions (NBFCs) in the country have their branches in Lucknow providing personal loans and other services. The important private sector banks and NBFCs in the city are:
ICICI Bank - is the second largest private sector bank in India which has approximately about 24 full and part service branches in the city of Lucknow
HDFC Bank - is the largest private sector bank in the country and operates in Lucknow from approximately about 23 branches
Axis Bank - is the third largest bank in the country in the private sector and operates about 13 branches in the city of Lucknow
Kotak Bank - is a large bank in the private sector which works in about 6 branches in the city
Citibank - is operating out of about 1 branch in the city of Lucknow
Bajaj Finserv - is one of the largest NBFCs in India with 2 branches in Lucknow city
Tata Capital - is again a well-known NBFC with about 1 branch in Lucknow
Fullerton - services the entire city of Lucknow through their 1 branch
You can apply for personal loan online through our website by filling in the simple form or calling us on our numbers. We will search for the best deal for personal loan in Lucknow and try to get you the lowest interest rates for personal loan in Lucknow according to your eligibility. If you have any questions on how to get a personal loan in Lucknow then go through our site and read more about personal loan interest rate and eligibility. You can also know more about personal loan in your specific area as well as get instant personal loan approval online in Lucknow. You will not get as many options by contacting personal loan agents in Lucknow who work with only a limited set of banks. Apply for personal loan online with us and we will check your case against the criteria of multiple banks/NBFCs. Using our algorithm we will calculate your best deal for personal loan in Lucknow instantly. Our service is free of charge and you do not have to pay us at any step in the process.
Eligibility Criteria for Personal Loan in Lucknow
Age of the applicant should be between 21-60 Years
Salaried individual with minimum income of Rs 15,000. Salary bracket would 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 if you are working in a top MNC, the salary requirement would be lesser than one working with a new company.
Should be staying in the city for at least 1 Year
Total work experience should be at least 2 Years
Basic documentation such as KYC, latest bank statements etc are required
Be informed of the different ways your Personal Loan Rate of Interest in Lucknow is calculated so that you take the right decision when it comes to choosing your loan at the lowest interest rates. Apply below to get started and to know the offers that are available on your Personal Loan in Dec 2018
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Hi, this is sangeeta from Lucknow. I had used your site last week to apply for a loan and it is ot processed yet. What is the reason for this?
Hi Sangeeta, apologies but sometime the process can take a while. We have to check with all our partners to see where you can get the best rate of interest and sometime there is a delay in their response. We have just flagged it off and will call you by this evening. Regret the delay and we do appreciate you writing on our site. We are always ready to take note of any mistakes and fix them.
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