Applying For Personal Loan : State Bank of India, HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank

How to Get a Personal Loan in India

Personal loans in India are a great way to meet immediate financial needs, whether for medical emergencies, education, home renovation, or travel. With minimal documentation and quick approval processes, personal loans are among the most popular financial products in India.

Steps to Get a Personal Loan in India

1. Check Your Credit Score: A good credit score (750 and above) increases your chances of loan approval at a lower interest rate.
2. Assess Your Loan Requirements: Calculate the loan amount needed and ensure that it fits within your repayment capacity.
3. Compare Loan Offers: Explore loan offers from various banks and NBFCs to find the best interest rates and terms.
4. Choose the Right Lender: Opt for a bank or financial institution that provides flexible repayment options and low processing fees.
5. Submit Documents: Provide identity proof, address proof, income proof (salary slips, bank statements), and any other required documents.
6. Apply Online or Offline: You can apply online through the lender's website or visit the branch in person to submit your application.
7. Wait for Approval: After submitting your application, the bank will review it and communicate approval or rejection.

Eligibility Criteria for Personal Loans

• Minimum age: 21 years
• Maximum age: 60 years (at loan maturity)
• Stable source of income (salaried or self-employed)
• Good credit score

Documents Required for Personal Loan

• Identity Proof: Aadhaar card, PAN card, or Passport
• Address Proof: Utility bills, Aadhaar card, or Ration card
• Income Proof: Salary slips, Form 16, or ITR
• Bank Statements (last 6 months)
• Photographs (passport-sized)

Top 20 Banks Offering Personal Loans with Lowest Interest Rates

Bank Name	Interest Rate (per annum)	Loan Amount Range	Repayment Tenure
State Bank of India (SBI)	10.30% - 13.75%	₹24,000 - ₹20 Lakhs	6 months - 6 years
HDFC Bank	10.50% - 21.00%	₹50,000 - ₹40 Lakhs	1 year - 5 years
ICICI Bank	10.75% - 19.00%	₹50,000 - ₹25 Lakhs	1 year - 5 years
Axis Bank	10.49% - 18.50%	₹50,000 - ₹40 Lakhs	1 year - 5 years
Kotak Mahindra Bank	10.99% - 18.00%	₹50,000 - ₹25 Lakhs	1 year - 5 years
Punjab National Bank (PNB)	8.95% - 14.50%	₹50,000 - ₹15 Lakhs	6 months - 6 years
Bank of Baroda	10.50% - 12.50%	₹50,000 - ₹15 Lakhs	1 year - 5 years
Union Bank of India	8.90% - 12.00%	₹50,000 - ₹15 Lakhs	1 year - 5 years
Canara Bank	9.40% - 13.00%	₹50,000 - ₹5 Lakhs	1 year - 5 years
IDBI Bank	9.50% - 14.00%	₹50,000 - ₹10 Lakhs	1 year - 5 years
Bank of India	9.35% - 12.35%	₹50,000 - ₹10 Lakhs	1 year - 5 years
Indian Bank	9.00% - 13.00%	₹50,000 - ₹5 Lakhs	1 year - 5 years
RBL Bank	11.00% - 19.00%	₹1 Lakh - ₹20 Lakhs	1 year - 5 years
Yes Bank	10.99% - 20.00%	₹1 Lakh - ₹20 Lakhs	1 year - 5 years
IndusInd Bank	10.75% - 20.00%	₹1 Lakh - ₹25 Lakhs	1 year - 5 years
Federal Bank	10.49% - 17.99%	₹50,000 - ₹25 Lakhs	1 year - 4 years
Tata Capital	10.99% - 19.00%	₹75,000 - ₹25 Lakhs	1 year - 6 years
Bajaj Finserv	11.00% - 20.00%	₹50,000 - ₹25 Lakhs	1 year - 5 years
HDB Financial Services	11.00% - 20.00%	₹50,000 - ₹20 Lakhs	1 year - 5 years
Fullerton India	11.99% - 26.00%	₹50,000 - ₹25 Lakhs	1 year - 5 years

Compare these options and choose the one that best suits your financial needs.

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HPSC Recruitment 2024 www.hpsc.gov.in 237 Lecturer Job Notification

Haryana Public Service Commission has liberated a job advertisement regarding HPSC Recruitment 2024. The organization invites applications from Skilled and capable candidates to fill up the 237 posts of Lecturer. Desired aspirants who are willing to secure their job may apply by submitting online application form on or before the last date (27th November 2024). To get further information regarding HPSC Recruitment 2024, you should visit the below advertisement where you will get information about Selection Procedure, Pay Scale, Application Fee and much more.

Information of HPSC Recruitment 2024:

Organization / Division Name: Haryana Public Service Commission 

Job Role: Lecturer 

Looking for => PSC Jobs 

Number of Vacant Posts: 237

Post Wise Detailed Information:

1. Lecturer (Technical) - 237

Primary Qualification: Individuals looking for this job should hold Bachelors and Masters Degree of Engineering from an accredited board / university / institute. 

Age Limitation:

• Aspirant’s age should be in the range of 21 to 42 Years counted from 27-11-2024..
• Relaxation in age limit is provided to the candidates belong to reserved category, according to the organizational regulation.

Selection Criteria:

Contenders looking for this job will be chosen according to their performance in Written Exam, Interview.

Salary and Pay Scale: Selected candidates will get the attractive salary package of Rs. 9300 - 34800/- along with the Grade Pay which is decided as Rs. 5400/- Per month. 

How to Apply: Aspirants should visit the official website of the organization i.e. www.hpsc.gov.in and fill online application form with all details regarding your name, address, qualification details, experience details, upload photograph & signature etc and submit online form before 27th November 2024 

Important Date: 

Starting Date / Ending Date for Online Application form Is : 07-11-2024 to 27-11-2024 

official Website : www.hpsc.gov.in

Official Notification

Apply Here

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KTCL Recruitment 2024 www.ktclgoa.com 70 Conductor Job Notification

Kadamba Transport Corporation Limited has liberated a job advertisement regarding KTCL Recruitment 2024. The organization invites applications from Skilled and capable candidates to fill up the 70 posts of Conductor. Desired aspirants who are willing to secure their job may apply by submitting offline application form on or before the last date (21st November 2024). To get further information regarding KTCL Recruitment 2024, you should visit the below advertisement where you will get information about Selection Procedure, Pay Scale, Application Fee and much more.

Information of KTCL Recruitment 2024:

Organization / Division Name: Kadamba Transport Corporation Limited 

Job Role: Conductor 

Looking for => All Govt Jobs 

Number of Vacant Posts: 70

Post Wise Detailed Information:

1. Conductor - 70

Primary Qualification: Individuals looking for this job should hold 10th from an accredited board / university / institute. 

Age Limitation:

• Age of the candidate should be less or equal to 45 Years counted from 08-11-2024..
• Relaxation in age limit is provided to the candidates belong to reserved category, according to the organizational regulation.

Selection Criteria:

Contenders looking for this job will be chosen according to their performance in Exam / Interview.

Salary and Pay Scale: Selected candidates will get the attractive salary package of Rs. 733/- Per Day 

How to Apply: Aspirants should visit the official website of the organization i.e. www.ktclgoa.com and fill online application form with all details regarding your name, address, qualification details, experience details, upload photograph & signature etc and submit online form before 21st November 2024 

Address:

The Managing Director, Kadamba Transport Corporation Limited, Corner wing, Paraiso-de-Goa., Alto Porvorim, Bardez-Goa

Important Date: 

Ending Date for Receving offline Application form Is : 21-11-2024. 

official Website : www.ktclgoa.com

Official Notification

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ICF Recruitment 2024 www.pb.icf.gov.in 25 Sports Persons Job Notification

Integral Coach Factory has liberated a job advertisement regarding ICF Recruitment 2024. The organization invites applications from Skilled and capable candidates to fill up the 25 posts of Sports Persons. Desired aspirants who are willing to secure their job may apply by submitting online application form on or before the last date (10th December 2024). To get further information regarding ICF Recruitment 2024, you should visit the below advertisement where you will get information about Selection Procedure, Pay Scale, Application Fee and much more.

Information of ICF Recruitment 2024:

Organization / Division Name: Integral Coach Factory 

Job Role: Sports Persons 

Number of Vacant Posts: 25

Post Wise Detailed Information:

1. Level–1 – 15
2. Level–2 – 08
3. Level–5 – 02

Primary Qualification: Individuals looking for this job should hold 10th, 12th, ITI, Graduation Degree from an accredited board / university / institute. 

Age Limitation:

• Aspirant’s age should be in the range of 18 to 25 Years counted from 01-01-2025..
• Relaxation in age limit is provided to the candidates belong to reserved category, according to the organizational regulation.

Selection Criteria:

Contenders looking for this job will be chosen according to their performance in Certificate Verification, Sports Trial, Sports Achievements/Educational Qualification.

Application Fee:

• Application fee for the GEN / OBC Candidates is Rs. 500/-
• Application fee for the SC/ST/Ex-S/PwBD/Women/Minorities/EBC Candidates is Rs. 250/-

Salary and Pay Scale: Selected candidates will get the attractive salary package of GP Rs. 1800/- (Level-1), GP Rs. 1900/- (Level-2), GP Rs. 2800/- (Level-5) Per month 

How to Apply: Aspirants should visit the official website of the organization i.e. www.pb.icf.gov.in and fill online application form with all details regarding your name, address, qualification details, experience details, upload photograph & signature etc and submit online form before 10th December 2024

Important Date: 

Starting Date / Ending Date for Online Application form Is : 11-11-2024 to 10-12-2024.

official Website : www.pb.icf.gov.in

Official Notification

Apply Here

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Balmer Lawrie & Co. Ltd. Recruitment 2024 www.balmerlawrie.com 19 Junior Officer, Assistant Manager, Deputy Manager Job Notification

Balmer Lawrie & Co. Ltd. has liberated a job advertisement regarding Balmer Lawrie & Co. Ltd. Recruitment 2024. The organization invites applications from Skilled and capable candidates to fill up the 19 posts of Junior Officer, Assistant Manager, Deputy Manager. Desired aspirants who are willing to secure their job may apply by submitting online application form on or before the last date (6th December 2024). To get further information regarding Balmer Lawrie & Co. Ltd. Recruitment 2024, you should visit the below advertisement where you will get information about Selection Procedure, Pay Scale, Application Fee and much more.

Information of Balmer Lawrie & Co. Ltd. Recruitment 2024:

Organization / Division Name: Balmer Lawrie & Co. Ltd. 

Job Role: Junior Officer, Assistant Manager, Deputy Manager 

Looking for => All Govt Jobs 

Number of Vacant Posts: 19

Post Wise Detailed Information:

1. Junior Officer [HR & Administration] – 01
2. Junior Officer [Warehouse Operations] – 01
3. Junior Officer [Operations] – 01
4. Junior Officer [Accounts & Finance] – 04
5. Assistant Manager [IT Cyber Security] – 01
6. Assistant Manager [Sales] – 02
7. Assistant Manager [Commercial] – 01
8. Deputy Manager [Sales & Marketing] – 01
9. Assistant Manager [FICO Functional] – 01
10. Assistant Manager [IT] – 01
11. Deputy Manager [CSR & HR] – 01
12. Deputy Manager [Air Import Operations] – 01
13. Deputy Manager [Marketing] – 01
14. Unit Head [3 PL] – 01
15. Senior Manager [Brand] – 01

Primary Qualification: Individuals looking for this job should hold Graduation Degree, Bachelor Degree, Post Graduate Degree/Diploma, MBA from an accredited board / university / institute. 

Age Limitation:

• Age of the candidate should be less or equal to 30 Years (Post 1-4), 32 Years (Post 5,8,11-13), 27 Years (Post 6,7,9,10), 40 Years (Post 14,15) counted from 06-12-2024.
• Relaxation in age limit is provided to the candidates belong to reserved category, according to the organizational regulation.

Selection Criteria:

Contenders looking for this job will be chosen according to their performance in Written Exam / Interview..

Salary and Pay Scale: Selected candidates will get the attractive salary package of salary of FTO-1 (Post 1-4), FTE-1 (Post 5), Rs. 40000 - 140000/- (Post 6,7,9,10), Rs. 50000 - 160000/- (Post 8,11-13), Rs. 70000 - 200000/- (Post 14,15) Per Month 

How to Apply: Aspirants should visit the official website of the organization i.e. www.balmerlawrie.com and fill online application form with all details regarding your name, address, qualification details, experience details, upload photograph & signature etc and submit online form before 6th December 2024 

Important Date: 

Ending Date for Online Application form Is : 06-12-2024 

official Website : www.balmerlawrie.com

Official Notification

Apply Here

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GAIL (India) Limited Recruitment 2024 www.gailonline.com 261 Officer, Senior Engineer Job Notification

GAIL (India) Limited has liberated a job advertisement regarding GAIL (India) Limited Recruitment 2024. The organization invites applications from Skilled and capable candidates to fill up the 261 posts of Officer, Senior Engineer. Desired aspirants who are willing to secure their job may apply by submitting online application form on or before the last date (11th December 2024). To get further information regarding GAIL (India) Limited Recruitment 2024, you should visit the below advertisement where you will get information about Selection Procedure, Pay Scale, Application Fee and much more.

Information of GAIL (India) Limited Recruitment 2024:

Organization / Division Name: GAIL (India) Limited 

Job Role: Officer, Senior Engineer 

Looking for => All Govt Jobs 

Number of Vacant Posts: 261

Post Wise Detailed Information:

1. Senior Engineer (Renewable Energy) – 06
2. Senior Engineer (Boiler Operations) – 03
3. Senior Engineer (Mechanical) – 30
4. Senior Engineer (Electrical) – 06
5. Senior Engineer (Instrumentation) – 01
6. Senior Engineer (Chemical) – 36
7. Senior Engineer (GAILTEL (TC/TM) – 05
8. Senior Officer (Fire & Safety) – 20
9. Senior Officer (C&P) – 22
10. Senior Engineer (Civil) – 11
11. Senior Officer (Marketing) – 22
12. Senior Officer (Finance & Accounts) – 36
13. Senior Officer (Human Resources) – 23
14. Senior Officer (Law) – 02
15. Senior Officer (Medical Services) – 01
16. Senior Officer (Corporate Communication) – 04
17. Officer (Laboratory) – 16
18. Officer (Security) – 04
19. Officer (Official Language) – 13

Primary Qualification: Individuals looking for this job should hold Diploma, Graduation Degree in Engineering, CA/CMA (ICWA) OR B.Com, B.A./B.Sc., B.E./B.Tech., MBA, MBBS Degree, Master Degree from an accredited board / university / institute. 

Age Limitation:

• Age of the candidate should be less or equal to 28 Years (Post 1-14,16), 32 Years (Post 15,17), 45 Years (Post 18), 35 Years (Post 19) counted from 11-12-2024.
• Relaxation in age limit is provided to the candidates belong to reserved category, according to the organizational regulation.

Selection Criteria:

Contenders looking for this job will be chosen according to their performance in Physical Endurance Test, Skill Test, Interview.

Application Fee:

• Application fee for the General/EWS/OBC (NCL) Candidates is Rs. 200/-.
• Application Fee is exempted for SC/ST/PwBD Candidates.

Salary and Pay Scale: Selected candidates will get the attractive salary package of Rs. 60,000- 1,80,000/- (Post 1-16), Rs. 50,000- 1,60,000/- (Post 17-19) Per Month  

How to Apply: Aspirants should visit the official website of the organization i.e. www.gailonline.com and fill online application form with all details regarding your name, address, qualification details, experience details, upload photograph & signature etc and submit online form before 11th December 2024 

Important Date:

Starting Date / Ending Date for Online Application form Is : 12-11-2024 to 11-12-2024 

official Website : www.gailonline.com

Official Notification

Apply Here

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TNIDB Recruitment 2024 www.tnidb.tn.gov.in 05 Project Analysts, Expert Job Notification

Tamil Nadu Infrastructure Development Board has liberated a job advertisement regarding TNIDB Recruitment 2024. The organization invites applications from Skilled and capable candidates to fill up the 05 posts of Project Analysts, Expert. Desired aspirants who are willing to secure their job may apply by submitting offline application form on or before the last date (29th November 2024). To get further information regarding TNIDB Recruitment 2024, you should visit the below advertisement where you will get information about Selection Procedure, Pay Scale, Application Fee and much more.

Information of TNIDB Recruitment 2024:

Organization / Division Name: Tamil Nadu Infrastructure Development Board 

Job Role: Project Analysts, Expert 

Looking for => All Govt Jobs 

Number of Vacant Posts: 05

Post Wise Detailed Information:

1. Expert – Energy Sector – 01
2. Expert – Municipal Services- Water and Waste water Sector – 01
3. Project Analysts – 03

Primary Qualification: Individuals looking for this job should hold Master's Degree from an accredited board / university / institute. 

Selection Criteria:

Contenders looking for this job will be chosen according to their performance in Merit List, Interview.

How to Apply: Aspirants should have to fill this form correctly attach the copies of the credentials demanded in the form. In the end, post the application form (filled completely by the aspirant) at the address specified below before 29th November 2024. Aspirants are advised to visit www.tnidb.tn.gov.inofficial website of the organization time to time for more updates. 

Address:

soinfra.findpt@tn.gov.in, fininfracell@gmail.com 

 or 

 The Chief Executive Officer, Tamil Nadu Infrastructure Development Board, 3rd Floor, Tower-II CMDA Building Egmore, Chennai-8

Important Date: 

Ending Date for Receving offline Application form Is : 29-11-2024. 

official Website : www.tnidb.tn.gov.in

Official Notification

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