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Panipat, a major industrial and commercial hub in Haryana, offers a wide range of personal loan options through leading banks and NBFCs. Institutions like HDFC Bank, ICICI Bank, SBI, Axis Bank, Bajaj Finserv, and Tata Capital provide loans ranging from ₹50,000 to ₹50 lakh, with interest rates starting at 10% per annum. Whether for home renovation, medical emergencies, weddings, or education, borrowers can find flexible repayment tenures from 12 to 72 months. Digital lenders also offer instant approvals and quick disbursals with minimal paperwork. Salaried and self-employed individuals can avail of attractive loan offers based on eligibility and creditworthiness. Comparing different lenders on factors like processing fees, interest rates, and prepayment options can help in securing the best deal. With a strong financial network, Panipat ensures easy access to personal loans for various financial needs.
Top Banks & NBFCs for Personal Loans in Panipat
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.
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.
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.
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.
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.
Manba Finance (Personal Loan)
Manba Finance offers personal loans to help individuals manage various financial needs such as medical emergencies, home renovation, 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. Manba Finance, a prominent non-banking financial company (NBFC), provides a range of financial solutions including personal loans, business loans, and vehicle financing, with a focus on customer-centric services and easy access to credit for individuals.
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.
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.
Yes Bank (Personal Loan)
YES Bank offers personal loans to help individuals manage their financial needs, including medical expenses, home renovation, or travel. 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. YES Bank, a prominent private sector bank in India, provides a wide range of banking services, including loans, insurance, investments, and digital banking solutions, with a strong focus on customer-centric solutions and innovation in the financial services sector.
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.
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.
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.
Kotak Mahindra Bank (Personal Loan)
Kotak Mahindra Bank offers personal loans to help individuals meet a variety of financial needs, such as medical emergencies, home renovation, or vacations. 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. Kotak Mahindra Bank, a leading private sector bank in India, is known for its innovative banking solutions and customer-first approach. It offers a wide range of services including loans, insurance, investment products, and digital banking, ensuring financial inclusion for all.
Shinhan Bank (Personal Loan)
Shinhan Bank offers personal loans to help meet various 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. Shinhan Bank, a leading South Korean financial institution, has a strong presence in India and offers a wide range of financial services, including personal loans, savings accounts, credit cards, and digital banking, focusing on customer satisfaction and financial inclusion.
Catholic Syrian Bank (Personal Loan)
Catholic Syrian Bank, now rebranded as CSB Bank, offers personal loans to meet a variety of financial needs such as medical expenses, 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. CSB Bank, with over 90 years of history, offers a wide range of banking services including loans, savings accounts, insurance, and investment products, with a strong customer-centric approach and a focus on financial inclusion.
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.
Muthoot Finance (Personal Loan)
Muthoot Finance offers personal loans that cater to various financial needs, such as medical expenses, education, home renovation, or travel. 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. Muthoot Finance, a leading non-banking financial company (NBFC) in India, is widely known for its gold loan services. It provides a variety of financial solutions, including personal loans, gold loans, insurance, and wealth management, with a focus on serving individuals and businesses across India.
Cholamandalam Finance (Personal Loan)
Cholamandalam Finance, part of the Murugappa Group, offers personal loans to cater to a wide range of financial needs such as medical expenses, 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. Cholamandalam Finance is a leading non-banking financial company (NBFC) in India, offering a variety of financial services, including personal loans, vehicle finance, home loans, and investment solutions.
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.
Aditya Birla Finance (Personal Loan)
Aditya Birla Finance, a part of Aditya Birla Capital Ltd., offers personal loans to meet various needs like medical emergencies, education, or home renovation. To apply, you’ll need documents like identity proof (Aadhaar, Passport), address proof (utility bills, bank statements), income proof (salary slips, tax returns), and bank statements for the last 3–6 months. As a trusted financial services provider, Aditya Birla Finance offers customized solutions, ensuring a smooth borrowing experience while serving diverse financial needs through its comprehensive services.
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.