Personal Loan in Lucknow - Lowest Interest rates from 10.50%
Looking for personal loans in Lucknow? Get fast approval with no collateral required. Flexible use of funds for your needs. Compare offers and apply online now.
Personal Loan in Lucknow
Are you in Lucknow and seeking a personal loan for your financial needs? Personal loans are an ideal solution for funding expenses like weddings, medical emergencies, home renovations, or travel. With interest rates starting from 10.50% per annum, you can enjoy affordable EMIs, flexible repayment options, and fast approval.
Bank Interest rates for Personal Loan in Lucknow
Comparison of Personal Loan Interest Rates of Banks (2025)
| Bank | Interest Rate | Loan Amount | Processing Fee | Processing Time | Apply |
|---|---|---|---|---|---|
| DBS Bank | From 10.99% | Up to ₹15 Lakhs | 1-2% of loan amount | 24-48 hours | Apply |
| HDFC | From 10.85% | Up to ₹40 Lakhs | Up to 2.5% | 24-48 hours | Apply |
| Axis Bank | From 10.49% | Up to ₹40 Lakhs | 1.5% to 2% | 24-72 hours | Apply |
| ICICI Bank | 10.75% – 19% | Up to ₹40 Lakhs | Up to 2.5% | 24-48 hours | Apply |
| Bank of Baroda | 10.75% – 18.5% | Up to ₹5 Lakhs | 1%-2% | 48-72 hours | Apply |
| SBI | From 11% | Up to ₹30 Lakhs | Up to 1.5% | 2-3 working days | Apply |
| IndusInd | From 10.49% | Up to ₹50 Lakhs | Up to 2.5% | 24-48 hours | Apply |
| Yes Bank | From 10.99% | Up to ₹40 Lakhs | Up to 2.5% | 24-48 hours | Apply |
| Standard Chartered | From 11.5% | Up to ₹50 Lakhs | Up to 2.25% | 48-72 hours | Apply |
| IDFC | From 10.49% | Up to ₹50 Lakhs | Up to 3% | 24-48 hours | Apply |
| Kotak Mahindra | From 10.99% | Up to ₹40 Lakhs | 1% to 2.5% | 1-2 days | Apply |
| PNB | From 11.40% | Up to ₹20 Lakhs | Up to 1% | 2-3 days | Apply |
| Bandhan Bank | From 11.55% | Up to ₹25 Lakhs | Up to 2% | 48-72 hours | Apply |
Comparison of Personal Loan Interest Rates of NBFCs (2025)
| NBFC | Interest Rate | Loan Amount | Processing Fee | Processing Time | Apply |
|---|---|---|---|---|---|
| Piramal Finance | From 12.99% | Up to ₹35 Lakhs | 2%-3% | 24-72 hours | Apply |
| Shriram Finance | From 14% | Up to ₹35 Lakhs | Up to 3% | 2-3 days | Apply |
| Tata Capital | From 10.99% | Up to ₹35 Lakhs | Up to 2.5% | 24-48 hours | Apply |
| InCred | From 18% | Up to ₹3 Lakhs | 2% to 4% | Instant to 24 hrs | Apply |
| Finnable | From 16% | Up to ₹10 Lakhs | Up to 3% | 24-48 hours | Apply |
| PaySense | From 16.8% | Up to ₹5 Lakhs | Up to 2.5% | 24-48 hours | Apply |
| Poonawalla | From 9.99% | Up to ₹30 Lakhs | 1% to 2% | 24-72 hours | Apply |
| Fullerton | From 11.99% | Up to ₹25 Lakhs | Up to 3% | 1-2 working days | Apply |
| LendingKart | From 12% | Up to ₹3 Lakhs | 2% to 3% | 24-48 hours | Apply |
| Axis Finance | From 13% | Up to ₹25 Lakhs | Up to 2.5% | 1-2 days | Apply |
| Mahindra Finance | From 10.99% | Up to ₹10 Lakhs | Up to 3% | 2-3 days | Apply |
| Aditya Birla | From 11.99% | Up to ₹50 Lakhs | Up to 2.5% | 48-72 hours | Apply |
| Bajaj Finance | From 11% | Up to ₹50 Lakhs | Up to 4% | 24-72 hours | Apply |
Features of Personal Loans in Lucknow
| Feature | Details |
|---|---|
| Loan Amount | ₹50,000 to ₹50,00,000 |
| Interest Rate | Starting from 10.50% per annum |
| Repayment Tenure | 12 to 84 months |
| Approval Time | 24–48 hours |
| Collateral | No collateral required; unsecured loan |
| Processing Fee | 1%–2% of the loan amount |
Eligibility Criteria for Personal Loans in Lucknow
| Criteria | Details |
|---|---|
| Age | 21 to 65 years |
| Income | Minimum ₹20,000 per month |
| Employment Type | Salaried or self-employed |
| Credit Score | 750 or above for better rates |
| Work Experience | 1 year (salaried), 3 years (self-employed) |
Documents Required for Personal Loan in Lucknow
| Document Type | Examples |
|---|---|
| Identity Proof | Aadhaar, PAN, Passport, Voter ID, or Driving License |
| Address Proof | Utility bills, rent agreement, Aadhaar, or passport |
| Income Proof | Salary slips, bank statements, or ITR |
| Employment Proof | Offer letter or business registration certificate |
| Photographs | Passport-sized photos |
Benefits of Personal Loans in Lucknow
- Affordable Interest Rates: Starting at just 10.50% per annum.
- Flexible Repayment Options: Tenures ranging from 1 to 7 years.
- Fast Approval: Get funds in as little as 24-48 hours.
- Unsecured Loans: No need for collateral or guarantor.
How to Apply for a Personal Loan at Lucknow?
Fincover.com is an online marketplace that allows you to compare loan quotes from various banks and NBFCs.
Mentioned-below is the process to apply for a Personal Loan at Fincover.
- Visit /banking/loan/personal/
- Complete the loan application by filling up all the necessary details
- Most popular quotes matching your requirement will be displayed.
- Apply for the bank along with the requested documents and get a reference number. You can then check the status of the application from our dashboard.
- Upon verification and approval, the loan will be disbursed to your account. The whole process takes just a few days, some even hours. The loan processing time varies from bank to bank
FAQs on Personal Loan at Lucknow?
1. What is the minimum loan amount for personal loans in Lucknow?
The minimum loan amount starts from ₹50,000, depending on the lender.
2. How long does it take to get a personal loan in Lucknow?
Loans are typically approved and disbursed within 24-48 hours if all documents are in order.
3. Is a credit score necessary for personal loans?
Yes, a good credit score (750 or above) ensures better interest rates and faster approval.
4. Can I prepay my personal loan?
Yes, prepayment is allowed with nominal charges, depending on the lender’s policies.
5. What is the maximum loan tenure?
Loan tenure ranges up to 84 months, providing flexibility in repayment.
