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Personal Loan in Delhi NCR

LoanMoney is one of the leading Loan Agency in Delhi/NCR. National Capital Region (NCR) of Delhi is a region which includes the states and cities New Delhi, Noida and Ghaziabad in the state of Uttar Pradesh, Gurgaon and Faridabad in the state of Haryana as its major constituents. Noida and Ghaziabad are industrial towns and business areas while Indirapuram is a large residential locality containing real estate and malls.

Delhi is known for its real estate market and attractive tourist places and in addition, for hi-tech IT/ITES industries. Delhi has endless possibilities of business and tourism and has been the locale of people from different cultures since ages. Noida is also a major hub for the IT industry. It is the largest urban area in the country and contains the seats of government, industry, education, commerce, business and tourism.

Personal loans in Delhi/NCR are easily available as a lot of financial institutions and NBFCs provide them at a decent interest rate. A personal loan is the best option if you do not have an asset to provide as collateral as it is a type of unsecured loan. A personal loan is taken for paying off emergency medical bills, wedding expenses, home renovation, starting a new business and debt consolidation. The loan amount ranges from Rs. 1 Lakh to Rs. 30 Lakhs with loan tenure starting from 1 year to 5 years at an attractive rate of interest. Apply for Personal Loan in Delhi/NCR with minimal documentation and processing time is taken for the loan approval process.

If you are looking for instant Personal Loan in Delhi/NCR with a low interest rate, LoanMoney deals with Over 35 Banks & NBFCs, As per customer profile & financial we will give you a minimum 3 best deals. We will share every terms and conditions related to your Personal Loan process like Rate of Interest, Processing Fees, Loan Tenure, Monthly EMI and any other charge applied during the Loan process & at before loan disbursement on recorded lines. LoanMoney doesn't charge anything against the customer for the Service of your Loan and helps you to get the desired Loan amount with the lowest Rate.

Compare Bank Interest Rate

Loan Amount

1 Lac To 40 Lacs

Interest Rate

10.50% To 16%

Special Features

Part or Preclosure charges Nil

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Loan Amount

1 - 75 Lacs

Interest Rate

10.50% To 13%

Special Features

Part Payment & Foreclosure Facilities

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Loan Amount

1 To 40 Lacs

Interest Rate

10.75% To 16.75%

Special Features

Prepayment of the loan is possible after 12 EMI

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Loan Amount

Upto 50 Lacs

Interest Rate

From 10.45% To Max 16%

Special Features

Transfer your Existing Personal Loan

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Loan Amount

1 To 25 Lacs

Interest Rate

10.75% To 22%

Special Features

Simple Documentation, Quick Disbursal

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Loan Amount

Upto 15 Lacs

Interest Rate

11.99% Onwards

Special Features

Loan Disbursal within 48 hours

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Loan Amount

1 Lacs To 20 Lacs

Interest Rate

11.10% To 17.20%

Special Features

Top-up Facility for Existing Customer

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Loan Amount

Upto 40 Lacs

Interest Rate

11.75 To 17%

Special Features

Balance Transfer upto 40/- Lacs

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Loan Amount

1 Lacs To 25 Lacs

Interest Rate

12.99% To 18%

Special Features

Quick Loan Disbursal

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Personal Loan General Information

A personal loan is a loan taken by the salaried individual to finance any personal Expenses like Weddings Expenses, Home Renovations, Medical Expenses, Bill payment, Dream Vacation Tour, Starting a Business, Higher Education. In Personal Loan, the borrower has full freedom to use the money for any purpose they want.

  • Collateral-free Loan
  • Instant Approval
  • Minimum Document Required
  • Attractive Rate of Interest
  • Flexible Repayment Option
  • Lowest EMI
  • Maximum Loan Tenure
  • Quick Disbursal
  • Door-Step Services

Personal Loan Eligibility Calculator helps you to understand the maximum loan you can avail of depending on your net monthly income and repayment capacity. Various factors will consider for your personal loan eligibility such as net monthly income, company category, job continuity, CIBIL Score, other financial liabilities, etc. You can also check eligibility criteria and document required for the Salaried Personal Loan.

Particulars Salaried Self Employed & Professional
Age(Min-Max) 23 To 58 Years 25 To 65 Years
Minimum Income Net Monthly Salary > 25000/- or More NA
Co-applicant Not Require NA
Loan Tenure 12 To 60 Months 12 To 60 Months
Maximum Loan Amount Max. 30 Lacs Max. 20 Lacs
Employment/Business Continuity 1 Year Job Stability is Mandatory. NA
CIBIL Score Minimum 720 NA
  • Applicant Minimum age of 21 years.
  • Applicant Maximum age of 60 years at the time of maturity of the Personal Loan
  • Minimum Monthly Income: Rs. 25,000/- or more
  • Salaried Employees / Professionals (Salaried Doctors, CA, Employees of Private Ltd. Companies, and Employees from Public Sector undertakings including State & Central Govt. )
  • Application Form with Passport size Photo
  • Identity proof: Voter ID Card, Aadhar Card, PAN Card, Passport, Driving License
  • Address proof: Voter ID Card, Aadhar Card, Driving License, Ration Card, Passport, Telephone/Electricity Bill, Rental Agreement.
  • Latest 3 months bank Passbook statement
  • Latest 3 months salary slip or current salary certificate.
  • Latest Form 16

Personal loans are short term loans which need to be repaid back within a shorter loan tenure of up to 6 years. Banks offer flexible repayment options starting from 1 to 6 years, depending on the Applicant’s profile. As they are short term loans, the borrowed money will have to be repaid back soon. Therefore it is always best to evaluate your repayment capacity before your application for the Personal Loan. Personal Loan EMI Calculator lets you calculate the EMI which you will have to pay every month if you take a loan of a particular amount and tenure at a specific interest rate.

There are various factors to consider while taking a Personal Loan in order to assure the borrower gets the best possible deal. Factors such as:

  • Attractive Rate of Interest: Banks offer lower or higher interest rates depending on the Applicant’s profession, monthly income, Company Category and CIBIL Score. Before choosing a bank, compare the Personal Loan Interest Rates offered by various banks, and opt for the one offering the minimum interest rate.
  • Service Charges: Processing fee, pre-payment charges, and documentation fee are some of the service charges that are added to the loan amount. Choose a bank that charges a minimum fee for these services.
  • EMI: Compare the EMI options offered by different banks, before deciding the one that offers the best EMI option.
  • Loan Tenure: The repayment period for Personal Loans range from 1 year to 6 years. 
  • Quick Disbursal: The main purpose of a Personal Loan is to fulfil the urgent financial needs of a customer. Most banks process and issue loans within 3 to 5 Days.

There are various factors to consider while taking a Personal Loan in order to assure the borrower gets the best possible deal. Factors such as:

Loan Amount: Rs. 1 Lac to 75 Lacs
Rate of Interest (APR)*: 10.49% to 20%
Repayment Tenure: 12 Months to 60 Months
Processing Fees: Rs. 999/- to 2.5%

Prepayment/ Foreclosure:
  • After 12 Months to 4% of POS
  • After 24 Months to 3% of POS
  • After 36 Months to 2% of POS

Illustration: Rs. 1 Lac loan on @12% with processing Fees for 60 Months comes to Rs. 1,33,466/- Equated Monthly Instalment shall be: Rs. 2,224/- only.

* APR - Annual Percentage Rate

Personal Loan Frequently Asked Questions (FAQ)

Personal Loan is available for salaried/self-employed as well as Professionals, Employees of public/pvt Ltd companies. Every bank has individual minimum criteria for net monthly income Rs. 25,000, age between 21 to 60 years, profession, CIBIL Score, job continuity, etc.
Once you submit your application form and the required documents as per Bank's criteria, you can expect our approval and disbursal within 5 working days, provided everything is in order. All loan approvals are at the sole discretion of the bank.
An Affordable or cheapest personal loan is a loan in which not only you can get an attractive interest rate starting from 10:75% to 18%, and you can get a quick personal loan with minimum processing fees, No hidden charges. With our easy & minimal paperwork, and flexible EMI payment options will make it a hassle-free personal loan.
Every Bank offers flexible loan tenure starting from 1 to 5 years, depending on the applicant’s profile. Personal Loan generally has a lock-in period of one year after you can prepay your entire outstanding loan amount with the interest amount. If you choose longer repayment periods then lower your monthly loan EMI, but you'll also pay more in interest than if you had a shorter repayment period.
The term Loan foreclosure means that when a person does the full repayment of the remaining loan amount in one single & final payment instead of paying it back in multiple EMIs.

Some banks don't allow foreclosure of the loan as they won’t get the interest from the borrower and some banks allow foreclosure of the loan but they charge a certain amount from the borrower. While taking a Personal Loan to try to see if there is zero foreclosure charges or nil foreclosure charges facility available for borrowers. This can save your money which you was going to pay to the bank.
The features of LoanMoneyIndia's Fastest Personal Loan are No Collateral or no Security, Easy Repayment options, Safety, Attractive Interest rates, It is Unsecured, Can be Obtained for any Purpose and Fast, Cheap & Reliable.
No, you don’t have to provide any security, collateral or guarantee to obtain Personal Loan from Bank.
A Guarantor is a person who guarantees to pay for someone else's debt if he or she should default on a loan obligation.
A right over the security is created in favour of Bank. Hence shares cannot be transferred or sold by the customer or shareholder.
The National Electronic Funds Transfer (NEFT) system is a nation-wide fund transfer system to facilitate the transfer of funds from any bank branch to any other bank branch.
A service charge of Rs.500 is applicable for changes in loan repayment instructions issued from non-Bank Account (ECS or PDC facility). A cheque /pay order/demand draft for Rs. 500 favouring “Bank Ltd Loan Account No. ” will be required along with the revised set of repayment instructions.
All your information will be secure with us. The online application is a completely secured application using the state of the art security systems. Quick Form for Personal Loan in Delhi NCR
EMI stands for Equated Monthly Instalment. EMI gives you the comfort and benefit of repaying the Personal Loan amount in the smaller monthly EMI. Monthly EMI instalments are the combination of both principal amount and interest amount. EMI is dependent on 3 factors, such as: Principal Amount, Interest Rate, and Loan Tenure.
Illustration: You can avail 1 Lakh loan at interest rate 10.75% for 5 years comes to Rs. 129,708/- Monthly EMI just Rs. 2,162/- only.
You can take a loan ranging from Rs. 1 Lakh to Rs. 75 Lakh, depending on your income and repayment capacity. You can club your spouse's income if you want to get a bigger loan.
Foreclosure or pre-closure is the process of prepaying the entire outstanding personal loan in one single instalment, before loan tenure. It depends on Bank to Bank, some banks allow, You can foreclose your loan immediately whereas in other charges after a minimum period of 6 Months.
Part-payment of a personal loan happens when you have some extra money in hand, but is not equal to the complete principal outstanding loan amount. Part-payment works because it brings down the principal amount unpaid, which in turn brings down your EMIs and the total interest you pay.
Part-Payment facility varies from Bank to Bank:
  • Few banks allow without restriction e.g Axis Bank, Yes Bank, Bajaj Finserv etc.
  • Other after 12 EMIs e.g HDFC Bank, ICICI Bank etc.
  • Certain Bank permit 2-3 times part payment in a year. Up to 25% of Principal Outstanding.
Pre & part payment, also known as Advance Payment in the personal loan is an option which is used when a person pays a bigger amount to repay his loan, and usually, the amount is bigger than EMI instalment. In simple words, if you have a large amount of money then you can give this money to your bank or lender to repay part of your loan. LoanMoney can offer you pre & part payment facility on personal Loan from the various bank.
You get a preferential rate of interest and processing fee, speedy processing and minimal documentation if you have a Salary Account with Bank. This is taken into account at the time of disbursal of the loan. You can pay through a Standing Instruction to debit your Bank account with the EMI amount.
Removal of a pledge from the security to regain the rights over the security is called de-pledge.
Amortization is paying off debts in regular instalments over a period of time.
RTGS is the Real Time Gross Settlement which is used for the transfer of amounts of Rs. 1,00,000 or more from one bank account to another bank account (any bank located anywhere in India if attached with an Internet system) at very minimal charges. The amount is credited into the beneficiary's account in real-time. For amounts less than Rs. 1, 00,000 we use NEFT (National Electronic Fund Transfer). Quick Form for Personal Loan in Delhi NCR
The bank will levy certain ECS bounce charges/penalties. In addition, it will get reported in your credit report. Depending on the severity of the default it can have a serious impact on your future credit possibilities like a home loan, car loan etc. In addition, the banks can also take legal action against the borrower.
The additional charges (if any) are applicable in case you default or in case of SWAP (i.e. change the repayment mode). The charges are updated and can be viewed in the Fees & Charges section in the Bank's website of each loan product.
You do not need to hypothecate any assets to avail a Personal Loan. Quick Form for Personal Loan in Delhi NCR
At the time of booking of your loan, the EMI (Equated Monthly Instalments) will be calculated based on the loan amount sanctioned, interest rate and the tenor.

Advantage with Loanmoney

Loanmoney is one of the leading Loan Agency inDelhi/NCR. We offers all types of Loans & Credit Cards like
Personal Loan,Credit cards, Home Loan, Business Loan and Loan Against Property .

Loan Money's main objective is to provide Best deal with Multiple option with Transparency & safety. We deal with over 35 Banks & NBFC`S, Our main focus is customer satisfaction that's why our customer rate us over 4.8 out of 5 on Google review rating, Its shows our level of commitment & services towards our customers.


  • Expert & Experience Loan Advisor
    We are a team of young and energetic professionals from diverse backgrounds like Ex Bankers, CAs to guide hassle free Loan process and to deliver on commitment.

  • Multi Bank Option
    Loanmoney deals with Over 35 Banks & NBFCs,As per customer profile & financial we will give you minimum 3 best deal for your Personal Loan which is available in the market.

  • Free Door step Service
    Loanmoney doesn't charge anything against the customer for the Service of your Loan and help you to get desire Loan amount with lowest Rate.

  • End to End services
    We are very vibrant and dynamic Loan agency who manage all the processes ourselves from lead sourcing to Loan Disbursal. We work for customer utmost satisfaction.

  • Transparency & Safety
    We will share every terms and conditions related with your Loan process like interest rates, payment tenure, EMI and any other charge applied during Loan process & at before loan disbursement on recorded lines.

  • Referral Program
    Loanmoney offer an attractive scheme for earn extra bucks after getting loan. Any Disburse customer can become our associates &can start earning on referring New customers to Loan Money.

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