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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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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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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NCCF Recruitment 2024 www.nccf-india.com 13 Office Attendant, Accountant, Assistant Manager Job Notification

National Cooperative Consumers’ Federation Of India Limited has liberated a job advertisement regarding NCCF Recruitment 2024. The organization invites applications from Skilled and capable candidates to fill up the 13 posts of Office Attendant, Accountant, Assistant Manager. Desired aspirants who are willing to secure their job may apply by submitting offline application form on or before the last date (20th November 2024). To get further information regarding NCCF 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 NCCF Recruitment 2024:

Organization / Division Name: National Cooperative Consumers’ Federation Of India Limited 

Job Role: Office Attendant, Accountant, Assistant Manager 

Looking for => All Govt Jobs 

Number of Vacant Posts: 13

Post Wise Detailed Information:

1. Chartered Accountant – 02
2. Tax Consultant – 01
3. Assistant Manager – 02
4. Field Officer – 02
5. Accountant – 04
6. Office Attendant – 02

Primary Qualification: Individuals looking for this job should hold 12th, Graduation Degree, CA Degree, M.Com/MBA/PGDM/Master's Degree from an accredited board / university / institute. 

Age Limitation:

• Age of the candidate should be less or equal to 40 Years (Post 1-3,5,6), 35 Years (Post 4) counted from 20-11-2024.
• 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. 80,000/- (Post 1,2), Rs. 50,000/- (Post 3), Rs. 35,000/- (Post 4), Rs. 40,000/- (Post 5) Per Month 

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 20th November 2024. Aspirants are advised to visit www.nccf-india.comofficial website of the organization time to time for more updates.

Address:

In-Charge, National Cooperative Consumers’ Federation Of India Limited (NCCF), NCUI Complex, 3, Siri Institutional Area, August Karanti Marg, Hauz Khas, New Delhi – 110016

Important Date: 

Ending Date for Receving offline Application form Is : 20-11-2024.

  official Website : www.nccf-india.com

Official Notification

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Ordnance Factory Medak Recruitment 2024 www.avnl.co.in 86 Assistant, Junior Manager, Technician Job Notification

Ordnance Factory Medak has liberated a job advertisement regarding Ordnance Factory Medak Recruitment 2024. The organization invites applications from Skilled and capable candidates to fill up the 86 posts of Assistant, Junior Manager, Technician. Desired aspirants who are willing to secure their job may apply by submitting online application form on or before the last date (30th November 2024). To get further information regarding Ordnance Factory Medak 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 Ordnance Factory Medak Recruitment 2024:

Organization / Division Name: Ordnance Factory Medak 

Job Role: Assistant, Junior Manager, Technician 

Looking for => All Govt Jobs 

Number of Vacant Posts: 86

Post Wise Detailed Information:

1. Junior Manager (Contract) (Mechanical) – 20
2. Junior Manager (Contract) (Production) – 13
3. Junior Manager (Contract) (Quality) – 01
4. Junior Manager (Contract) (Integrated Material Management) – 06
5. Junior Manager (Contract) (Electrical) – 06
6. Junior Manager (Contract) (Business analytics) – 04
7. Diploma Technician (Contract) (Mechanical) – 08
8. Diploma Technician (Contract) (Metallurgy) – 06
9. Diploma Technician (Contract) (Electrical) – 02
10. Diploma Technician (Contract) (Tool design) – 02
11. Diploma Technician (Contract) (Design) – 02
12. Diploma Technician (Contract) (Quality & Inspection) – 01
13. Assistant (Contract) (HR) – 01
14. Assistant (Contract) (Stores) – 09
15. Assistant (Contract) (Secretarial) – 01
16. Junior Assistant (Contract) – 04

Primary Qualification: Individuals looking for this job should hold Diploma in Engineering, Bachelor Degree in Engineering from an accredited board / university / institute. 

Age Limitation:

• Aspirant’s age should be in the range of 18 to 30 Years. counted from .
• 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 Interview.

Application Fee:

• Application fee for the GEN / OBC Candidates is Rs. 300/-
• Application Fee is exempted for SC/ST/PWD/Ex-SM/Female Candidates.

Salary and Pay Scale: Selected candidates will get the attractive salary package of Rs. 30,000/- (Post 1-6), Rs. 23,000/- (Post 7-15), Rs. 21,000/- (Post 16) Per Month 

How to Apply: Aspirants should visit the official website of the organization i.e. www.avnl.co.in and fill online application form with all details regarding your name, address, qualification details, experience details, upload photograph & signature etc. After filling the application form aspirants have to take the print out of form & attach the copies of the credentials demanded in the form. In the end, post the application form at the address specified below on or before 30-11-2024

Address:

The Deputy General Manager/HR, Ordnance Factory Medak, Yeddumailaram, Dist: Sangareddy, Telangana – 502205

Important Date: 

Ending Date for Receving offline Application form Is : 30-11-2024. 

official Website : www.avnl.co.in

Official Notification

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DRDO MTRDC Recruitment 2024 www.drdo.gov.in 01 Research Associate Job Notification

DRDO-Microwave Tube Research & Development Centre has liberated a job advertisement regarding DRDO MTRDC Recruitment 2024. The organization invites applications from Skilled and capable candidates to fill up the 01 posts of Research Associate. Desired aspirants who are willing to secure their job may apply by attending walk-in interview on or before the last date (2nd December 2024). To get further information regarding DRDO MTRDC 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 DRDO MTRDC Recruitment 2024:

Organization / Division Name: DRDO-Microwave Tube Research & Development Centre 

Job Role: Research Associate 

Looking for => All Govt Jobs 

Number of Vacant Posts: 01

Post Wise Detailed Information:

1. Research Associate – 01

Primary Qualification: Individuals looking for this job should hold Ph.D Degree from an accredited board / university / institute. 

Age Limitation:

• Age of the candidate should be less or equal to 35 Years. counted from .
• 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 Interview.

Salary and Pay Scale: Selected candidates will get the attractive salary package of Rs. 67,000/- Per Month 

How to Apply: Aspirants should have to Attend Walkin Interview along with copies of the credentials demanded in the format as mentioned in organization official website www.drdo.gov.in at the address specified below on 2nd December 2024 

  Address:

MTRDC Reception, Near Bharat Electronics North GATE, Jalahalli Post, Bangalore-560013.

Important Date: 

Walkin Interview Date : 02-12-2024. 

official Website : www.drdo.gov.in

Official Notification

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