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Personal Loan in Uttar Pradesh, Interest rates from 10.50%

Avail personal loans in Uttar Pradesh with interest rates starting at 10.50%. Enjoy fast approvals, minimal paperwork, and flexible repayment options!

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Personal Loan in Uttar Pradesh

Residents of Uttar Pradesh can avail of personal loans at competitive interest rates starting from 10.50% per annum. These loans cater to various needs, including medical emergencies, weddings, education, or travel. With flexible repayment terms, quick disbursals, and minimal documentation, personal loans in Uttar Pradesh are accessible and convenient for salaried and self-employed individuals.

Eligibility Criteria for Personal Loan in Uttar Pradesh

Eligibility Factor Details
Age 21 to 65 years
Employment Salaried or self-employed
Minimum Income ₹20,000 per month (may vary by lender)
Credit Score 750 or higher for better rates
Work Experience At least 1 year (salaried); 3 years (self-employed)

Comparison of bank Lenders in Uttar Pradesh

Banks
Personal Loan Interest Rates 2025
Institution Interest Rates
HDFC Bank 10.85% – 24.00%
Axis Bank 11% – 24.00%
Bandhan Bank 11.90% Onwards
ICICI Bank 10.85% – 16.25%
DBS Bank 10.99% – 24.00%
Bank of Baroda 11.05% – 18.75%
SBI 11.45% – 14.85%
IndusInd Bank 10.49% – 24.00%
Yes Bank 11.25% – 21.00%
Standard Chartered 11.50% – 24.00%
IDFC First 10.99% – 23.99%
Kotak Mahindra Bank 10.99% – 24.00%
PNB 11.40% – 17.95%
Indian Bank 10.90% – 24.00%

Comparison of bank NBFCs Lenders in Uttar Pradesh

NBFCs
NBFC Name Interest Rate
InCred Interest Rate 2025 16% – 42%
Finnable Interest Rate 2025 16% – 28%
L&T Finance Interest Rate 2025 11% – 24%
Aditya Birla Interest Rate 2025 10% – 32%
Shriram Finance Interest Rate 2025 11% – 42%
Bajaj Finserv Interest Rate 2025 10.75% – 31%
Piramal Interest Rate 2025 12.99% onwards
Tata Capital Interest Rate 2025 11.99% – 35%
Poonawalla Interest Rate 2025 11.49% – 19%
SMFG Interest Rate 2025 13% – 36%
Axis Finance Interest Rate 2025 13% onwards
Mahindra Finance Interest Rate 2025 12% – 36%
Paysense Interest Rate 2025 16.8% – 33%

Interest Rates and Charges for Personal Loans in Uttar Pradesh

Loan Aspect Details
Interest Rate Starting at 10.50% p.a.
Processing Fee 1%-2% of the loan amount
Tenure 12 to 84 months
Prepayment Charges 2%-5% of the outstanding loan amount
Late Payment Penalty Up to 2% per month on overdue EMIs

Types of Personal Loans in Uttar Pradesh

Type Purpose
Wedding Loan To cover wedding-related expenses
Education Loan Fund higher education or skill development programs
Medical Loan Manage healthcare emergencies
Home Renovation Loan Upgrade or renovate your home
Debt Consolidation Loan Consolidate multiple debts into a single EMI
Travel Loan Fund domestic or international trips

Documents Required for Personal Loan in Uttar Pradesh

Document Type Examples
Identity Proof Aadhaar, PAN, Passport, Voter ID, Driving License
Address Proof Utility bill, Rent Agreement, Aadhaar, Passport
Income Proof Salary slips, Bank statements (last 6 months), ITR
Employment Proof Offer letter, Employee ID, or Business Registration
Photographs Recent passport-sized photos

Important Tips Before Taking a Personal Loan in Uttar Pradesh

  • Compare Interest Rates: Research multiple lenders to secure the best rate.
  • Check Hidden Charges: Understand processing fees, prepayment penalties, and late charges.
  • Maintain a Good Credit Score: A score above 750 ensures lower interest rates.
  • Borrow Only What You Need: Avoid over-borrowing to reduce repayment strain.
  • Opt for a Manageable Tenure: Choose a tenure that balances EMI affordability and overall interest costs.

How to Apply for a Personal Loan at Uttar Pradesh?

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 https://www.fincover.com/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
Personal Loans by Bank