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Bhiwani, a key city in Haryana, offers numerous personal loan options through leading banks and NBFCs. Institutions like SBI, HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Bajaj Finserv, and Mahindra Finance provide loan amounts ranging from ₹50,000 to ₹50 lakh with interest rates starting at 10% per annum. Whether for medical emergencies, weddings, or home improvements, borrowers can find flexible repayment tenures from 12 to 72 months. Many lenders offer instant loan approvals with minimal paperwork, ensuring a quick and hassle-free process. Salaried and self-employed individuals can avail of attractive offers based on their eligibility. Comparing interest rates, processing fees, and prepayment options can help borrowers secure the best deal. With a strong financial ecosystem, Bhiwani provides easy access to personal loans to meet various financial requirements.
Top Banks & NBFCs for Personal Loans in Bhiwani
Bajaj Finance (Personal Loan)
Bajaj Finance offers personal loans to meet various financial needs, including medical expenses, home renovations, travel, or education. To apply, you will need documents such as identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. Bajaj Finance, a prominent player in the financial services sector, is known for its wide range of products, including loans, consumer durables financing, insurance, and investment services, with a strong focus on customer convenience and financial growth.
Axis Finance (Personal Loan)
Axis Finance, a subsidiary of Axis Bank, offers personal loans designed to meet diverse financial needs, such as medical emergencies, home renovation, or travel. To apply, you’ll need documents such as identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. Axis Finance leverages the strong reputation and financial expertise of Axis Bank to deliver reliable financial products, including personal loans, business loans, and consumer finance services, ensuring customer satisfaction and convenience.
Axis Bank (Personal Loan)
Axis Bank offers personal loans designed to meet a variety of financial needs such as medical expenses, home renovation, or education.To apply, you’ll need documents such as identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. Axis Bank, a leading private sector bank in India, provides comprehensive financial solutions including loans, insurance, and investment services. With its customer-centric approach, Axis Bank aims to make banking easy and accessible for all.
Kisetsu Saison Finance (Personal Loan)
Kisetsu Saison Finance offers personal loans tailored to help individuals meet various financial needs such as medical expenses, education, home renovation, or travel. To apply, you’ll need documents like identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. A part of the global Saison Group, Kisetsu Saison Finance is focused on providing efficient and customer-centric financial solutions, including loans, credit services, and other financial products, ensuring accessibility and ease for borrowers across India.
SBM Bank (Personal Loan)
SBM Bank (India) offers personal loans to meet various financial needs such as medical emergencies, home renovation, or travel. To apply, you’ll need documents like identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. SBM Bank, a subsidiary of State Bank of Mauritius, is a prominent player in India’s banking sector. It provides a wide range of financial products and services, including loans, savings accounts, insurance, and wealth management, focusing on customer-centric solutions.
IDFC Bank (Personal Loan)
IDFC Bank, now known as IDFC FIRST Bank, offers personal loans designed to meet various financial needs like medical expenses, home renovations, or travel. To apply, you’ll need documents such as identity proof (Aadhaar, Passport), address proof (utility bills, rental agreement), income proof (salary slips, bank statements), and employment details. IDFC FIRST Bank, a prominent private sector bank, is known for its customer-centric approach, providing a wide range of financial products including loans, savings, investments, and insurance services, aimed at empowering individuals and businesses.
Paysense (Personal Loan)
Paysense offers personal loans tailored to meet various financial needs, such as medical emergencies, home renovation, or education. To apply, you’ll need documents like identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. Paysense is a leading digital lending platform in India, providing instant loans and credit lines through a user-friendly mobile app. The platform focuses on delivering quick, transparent, and customer-friendly financial solutions, empowering individuals to access credit with ease.
Loantap Credit (Personal Loan)
Loantap Credit offers personal loans to help individuals meet various financial needs such as medical emergencies, home renovation, travel, or education. To apply, you will need documents like identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. Loantap is a digital lending platform that focuses on providing quick, transparent, and customer-centric financial solutions, making it easier for borrowers to access funds through a seamless and user-friendly mobile app.
Mirae Asset Finance (Personal Loan)
Mirae Asset Finance offers personal loans to meet various financial needs such as medical emergencies, home renovation, travel, or education. With competitive interest rates, flexible repayment terms, and a simple application process, Mirae Asset Finance ensures easy access to funds. To apply, you will need documents such as identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details.
IndusInd Bank (Personal Loan)
IndusInd Bank offers personal loans tailored to meet a variety of financial needs, such as medical emergencies, home improvement, or education. To apply, you will need documents like identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. IndusInd Bank, a leading private sector bank in India, provides a broad range of financial products and services, including loans, credit cards, investments, insurance, and digital banking solutions, ensuring convenience and reliability for customers.
Incred (Personal Loan)
Incred offers personal loans to meet various financial needs, such as medical emergencies, education, home renovation, or travel. To apply, you’ll need documents such as identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. Incred, a non-banking financial company (NBFC), provides a range of financial solutions, including personal loans, business loans, and consumer loans, with a focus on delivering customer-centric services and fostering financial inclusion across India.
Standard Chartered Bank (Personal Loan)
Standard Chartered Bank offers personal loans to address various financial needs, such as medical expenses, home renovation, or education. To apply, you will need documents such as identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. Standard Chartered Bank is a leading international bank with a strong presence in India. It offers a wide range of financial products and services, including loans, credit cards, insurance, and wealth management, with a focus on innovation and customer satisfaction.
HDFC Bank (Personal Loan)
HDFC Bank offers personal loans to help meet various financial needs like home renovation, medical emergencies, or travel. The bank provides easy access to funds with attractive interest rates, flexible repayment options, and a quick approval process. To apply, you’ll need documents like identity proof (Aadhaar, Passport), address proof (utility bills, rental agreement), income proof (salary slips, bank statements), and employment details.
Piramal Finance (Personal Loan)
Piramal Finance offers personal loans to cater to various financial needs such as medical emergencies, home renovation, education, or travel. To apply, you’ll need documents such as identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. Piramal Finance, part of the Piramal Group, is a leading non-banking financial company (NBFC) in India, providing a wide range of financial products and services, including loans, wealth management, and investment solutions.
Tata Capital Finance (Personal Loan)
Tata Capital Finance offers personal loans to address various financial requirements such as medical emergencies, home renovation, education, or travel. To apply, you’ll need documents like identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. Tata Capital Finance, part of the Tata Group, is a trusted financial services company offering a wide range of solutions, including personal loans, home loans, business loans, insurance, and investment products, catering to the diverse needs of individuals and businesses.
Hero Fincorp (Personal Loan)
Hero Fincorp offers personal loans to cater to various financial needs, such as medical expenses, home renovation, or education. To apply, you’ll need documents like identity proof (Aadhaar, Passport), address proof (utility bills, rental agreement), income proof (salary slips, bank statements), and employment details. Part of the Hero Group, Hero Fincorp provides a wide range of financial services, including personal loans, business loans, and vehicle financing, with a focus on delivering customer-centric solutions and contributing to the financial inclusion of individuals across India.
Shriram Finance (Personal Loan)
Shriram Finance offers personal loans to meet various financial needs such as medical emergencies, home renovation, travel, or education. To apply, you’ll need documents such as identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. Part of the Shriram Group, Shriram Finance is one of India’s leading non-banking financial companies (NBFCs), providing a wide range of financial services, including personal loans, vehicle loans, business loans, and investment solutions, with a focus on customer satisfaction and financial inclusion.
Karur Vysya Bank (Personal Loan)
Karur Vysya Bank (KVB) offers personal loans to help meet a range of financial needs, including medical emergencies, home renovation, or travel. To apply, you’ll need documents like identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. Founded in 1916, Karur Vysya Bank is a leading private-sector bank in India. It offers a comprehensive range of banking products, including loans, savings accounts, insurance, and digital banking services, with a focus on customer satisfaction and financial growth.
ICICI Bank (Personal Loan)
ICICI Bank offers personal loans to cater to diverse financial needs, such as medical emergencies, travel, or home improvement.To apply, you will need documents such as identity proof (Aadhaar, Passport), address proof (utility bills, rental agreement), income proof (salary slips, bank statements), and employment details. ICICI Bank, one of India’s largest private sector banks, is known for its strong presence in banking and financial services, offering a range of products like loans, insurance, and investment solutions, providing customers with comprehensive financial support.
Ujjivan Small Finance Bank (Personal Loan)
Ujjivan Small Finance Bank offers personal loans designed to meet a variety of financial needs, including medical expenses, education, home renovation, or travel. To apply, you’ll need documents such as identity proof (Aadhaar, Passport), address proof (utility bills, rent agreement), income proof (salary slips, bank statements), and employment details. Ujjivan Small Finance Bank, which focuses on providing affordable financial services to underserved communities, offers a range of banking solutions including savings, loans, insurance, and microfinance, promoting financial inclusion for all.
Check Your Eligible Personal Loan Amount from Leading Banks & NBFCs
Easily check your personal loan eligibility from leading banks and NBFCs. Get instant loan estimates based on your income, credit score, and location, ensuring you find the best offers available in your city.
Eligibility Criteria for Personal Loans
Banks and NBFCs evaluate multiple factors before approving a personal loan. Here are the key eligibility requirements:
Common Eligibility Requirements by Banks & NBFCs
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Documents Required for a Personal Loan
Whether you’re a salaried employee, self-employed, or an NRI, here are the essential documents needed to apply for a personal loan.
Mandatory Documents (Applicable to All Applicants)
For Salaried Individuals
For Self-Employed Individuals
For Non-Resident Indians (NRIs)
FAQ
How long does it take to get a personal loan approved?
Most personal loan applications get approved within 24-48 hours if all documents are in order. Some lenders offer instant approval for pre-approved customers.
What is the maximum and minimum tenure for a personal loan?
Personal loan tenures typically range from 12 months to 60 months (1 to 5 years). Some lenders may offer flexible tenure options.
What are the interest rates on personal loans?
Interest rates typically range from 10.5% to 24% per annum, depending on your credit score, income, and lender policies.
Can I prepay or foreclose my personal loan?
Yes, most banks allow prepayment or foreclosure. However, some lenders charge a prepayment penalty (0% to 5%) if done within the first year.
How much personal loan can I get based on my salary?
You can generally get a loan up to 15-20 times your monthly salary. Example: If your salary is ₹50,000, you may get a loan of ₹7.5 lakh to ₹10 lakh.
Can I transfer my existing personal loan to another lender?
Yes, you can do a personal loan balance transfer to a different bank with a lower interest rate. This helps reduce your EMI burden.
Can I get a personal loan with a low CIBIL score?
Yes, but with some conditions:
✅ You may get a loan at a higher interest rate
✅ Some NBFCs offer loans for a CIBIL score of 600+
✅ If your score is below 600, consider secured loans or improving your credit before applying.
What is the minimum salary required for a personal loan?
The minimum salary requirement depends on the lender:
Banks: ₹20,000 – ₹25,000 per month
NBFCs: ₹15,000 per month (for select profiles)
Metro Cities: Higher salary requirements apply
Can I get a personal loan without income proof?
Some lenders offer loans without salary slips or ITR, but they might ask for:
Bank statements (showing regular income)
Collateral or guarantor
Higher interest rates may apply
Can I get a personal loan if I already have existing loans?
Yes, but your eligibility depends on your Debt-to-Income (DTI) ratio. Ideally, total EMIs should not exceed 40-50% of your income.