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Pre-loan Eligibility checker
Last updated on: July 22, 2025
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Read BioLooking 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.
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 Rate | Loan Amount | Processing Fee | Processing Time | Apply |
|---|---|---|---|---|---|
| DBS Bank | 10.99% – 30.00% | ₹25,000 to ₹15 Lakhs | 1%–3% + GST | 24–48 hrs | Apply |
| HDFC Bank | 10.90% – 24.00% | ₹50,000 to ₹40 Lakhs | Up to ₹6,500 + GST (~1–3%) | 24–48 hrs | Apply |
| Axis Bank | From ~11.25% | ₹50,000 to ₹15 Lakhs | 1.5%–2% + GST | 24–72 hrs | Apply |
| ICICI Bank | 10.80% – 16.65% | Up to ₹50 Lakhs | 0.5%–2% + GST | 24–48 hrs | Apply |
| Bank of Baroda | 10.49% – 18.75% | ₹30,000 to ₹20 Lakhs | Up to 2% + GST | 48–72 hrs | Apply |
| SBI | 10.30% – 15.30% | ₹10,000 to ₹35 Lakhs | Up to 1.5% + GST | 2–3 working days | Apply |
| IndusInd Bank | From 10.49% | ₹30,000 to ₹50 Lakhs | Up to 3.5% (2% online) + GST | 24–48 hrs | Apply |
| Yes Bank | 10.99% – 21% | ₹100,000 to ₹40 Lakhs | Up to 2.5% + GST | 24–48 hrs | Apply |
| Standard Chartered | 11.49% – 17% | ₹1 Lakh to ₹50 Lakhs | Up to 2.25% + GST | 48–72 hrs | Apply |
| IDFC FIRST Bank | 9.99% – ~10.75% | ₹1 Lakh to ₹50 Lakhs | Up to 3.5% + GST | 24–48 hrs | Apply |
| Kotak Mahindra Bank | From 10.99% | ₹50,000 to ₹40 Lakhs | 1%–2.5% + GST | 24–48 hrs | Apply |
| Punjab National Bank | 11.50% – 17.05% | Up to ₹20 Lakhs | Up to 1% + GST | 2–3 days | Apply |
| Bandhan Bank | 10.50% – 12.55% | ₹50,000 to ₹25 Lakhs | Up to 3% + GST | 48–72 hrs | Apply |
| NBFC | Interest Rate | Loan Amount | Processing Fee | Processing Time | Apply |
|---|---|---|---|---|---|
| Piramal Finance | From 12.99% | Up to ₹35 Lakhs | 2%–3% + GST | 24–72 hrs | Apply |
| Shriram Finance | From 14% | Up to ₹35 Lakhs | Up to 3% + GST | 2–3 days | Apply |
| Tata Capital | From 10.99% | Up to ₹35 Lakhs | Up to 2.5% + GST | 24–48 hrs | Apply |
| InCred | From 18% | Up to ₹10 Lakhs | 2%–4% + GST | Instant to 24 hrs | Apply |
| Finnable | From 16% | Up to ₹10 Lakhs | Up to 3% + GST | 24–48 hrs | Apply |
| Poonawalla Fincorp | From 9.99% | Up to ₹30 Lakhs | 1%–2% + GST | 24–72 hrs | Apply |
| Fullerton India | From 11.99% | Up to ₹25 Lakhs | Up to 3% + GST | 1–2 working days | Apply |
| Axis Finance | From 13% | Up to ₹25 Lakhs | Up to 2.5% + GST | 1–2 days | Apply |
| Mahindra Finance | From 10.99% | Up to ₹10 Lakhs | Up to 3% + GST | 2–3 days | Apply |
| Aditya Birla Finance | From 11.99% | Up to ₹50 Lakhs | Up to 2.5% + GST | 48–72 hrs | Apply |
| Bajaj Finance | From 11% | Up to ₹50 Lakhs | Up to 4% + GST | 24–72 hrs | Apply |
| 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 |
| 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) |
| 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 |
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.
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.
Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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