Personal Loan

by IFSC Code on June 27, 2011

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Personal Loan Guide

Personal loan is not a secured loan which means it doesn’t need any collateral/security. It can be available for any personal use like expenditure of wedding, buying consumer durables and any purpose. The personal loan amount can be ranged from Rs. 50,000 to Rs. 20 lakhs and repaying duration of loan varies from one to five years.

Many of banks are providing low interest personal loans without any security. Interest rates varies across all banks based on your occupation, salary/income, transaction history etc. Normally loan interest ranges from 12% – 25%, you must go for that which bank offering low interest bank loans.

Personal loan eligibility

Eligibility criteria of personal loans criteria vary across all banks based on annual income, age, residence, loan amount and bank monthly transaction history.

Required Documents

The personal loan documentation process is faster than secured loan. The following documents are normally needed for processing your loan application in all banks. Some banks may ask you to submit some more documents.

  • Proof of identity
  • Bank transaction statements over 3 to 6 months
  • Proof of your residence
  • Salary slips (for employees)
  • Profit & loss account, partnership deed & other mandatory documents (for self employed)

{ 38 comments }

k v r murthy August 1, 2011 at 5:45 pm

sir, i am an employee of B S P (SAIL), AND i require a personal loan of 3 to 4 lakhs, my date of retirement is nov. 2021. contact no. 9479224761, and i am working in dalli rajhara mines.

k v r murthy August 1, 2011 at 5:46 pm

sir, when can i get the loan.

balveer singh rana August 8, 2011 at 12:26 am

dear sir i am balveer singh rana `and i am from tehri garwal . and i have account in ganshali bank SBI. i am interrested for home lone from SBI i have NRE Acc. there . so pregently i am saudi Arabia in Hotel and montly i am getting 40000 thousand. so tell me detail pls .
Balveer rana

solanki kanabhai September 30, 2011 at 10:39 am

Dear sir,

Plz give me some information about Personal loan

Loan Amount Required : 2 lakh
Company : ABG Cement limited
Net Salary : 17250 per month
Mobile No : 9687689377
City : Nagpur (m/s)

balveer singh rana August 8, 2011 at 12:27 am

think and tell me pls

umesh tembhurkar September 1, 2011 at 1:54 pm

Dear sir,

Plz give me some information about Personal loan

Loan Amount Required : 1 lakh
Company : Lokmat media limited
Net Salary : 10000 per month
Mobile No : 9579441688
City : Nagpur (m/s)

sahib verma September 12, 2011 at 3:08 pm

i want education loan for study abroad

Shirley October 16, 2011 at 11:30 pm

Yeah, that’s the tciket, sir or ma’am

Meurial October 24, 2011 at 4:46 pm

Dear Sir,
I need personal loan for 1 lakhs.Net salary Rs.13000/- City Mumbai My Mobile No : 9594001699

amita October 31, 2011 at 2:46 pm

R/Sir,
can i get loan upto 1 to 2 lakhs my salary is 10000/p.m. plz suggest any bank

Rajesh kumar November 19, 2011 at 11:58 am

dear sir,
please give me some information about personal loan

loan amout required :50,000
company : quantium courier
net salary: 6500
city: hisar
mobile no:9992286326

Rsenthil kumar November 24, 2011 at 6:41 pm

Sir / mam please contact me.

Syed Md Nafis Barkati November 24, 2011 at 9:45 pm

Sorry, Plz give me some information about Personal loan.

Loan Amount Required : Fifty Thousand.
Service : A Central Government Job Holder.
Salary : Fifteen Thousand.
Mobile No. 9831584834.
City : Kolkata.

K.Bangarappa December 10, 2011 at 12:41 pm

To, 10-12-11
The Bank Manager
SBH-Marikal branch
Marikal, Mahaboob nagar (Dist)

Sir,
Sub;- Requisation for personal loan request – reg

Iam Mr Bangarappa.K working in IVRCL Ltd as a Sr Engineer i have account and salery transaction in SBI-Adoni branch iam getting Net salery Rs 39,250 pm iam interrested to take a personal loan from SBH-Marikal so please kindly consider my request and i submitt the required documents .

Thanking you sir,
K.Bangarappa

binay prasad December 11, 2011 at 9:07 am

dear sir ,
my self binay prasad i need 600000 for home lone i have nre a/c in sbi haydrabad branch faridabad . last 5 years i am working in dubai my salries 30000 net. i need loan for 5 years.
thanks
binay prasad
dubai

Namo Narayan Pandey December 16, 2011 at 3:40 pm

sir,
personal loan reqaired – 3 to 4 lakhs
company name – intex techonologies india ltd
net sailry per month-14000.00
my contect no. 09919373777

Shashidhar.V December 23, 2011 at 10:20 am

To,
The Bank Manager
SBI Kegeri branch
Banblore-560060
Sir,
Sub;- Requisation for personal loan request

Iam Mr Shashidhar.V working in Automedsystems Pvt Ltd as a Lab Manager i have account and salery transaction in SBI-Kengeri branch iam getting Net salery Rs 29,020 pm iam interrested to take a personal loan 2 lac from SBI Kengeri so please kindly consider my request and i submitt the required documents .

Thanking you sir,
Shashidhar.V
09901692886

sathishkumar December 26, 2011 at 5:33 pm

dear sir,
please give me some information about personal loan

loan amout required :50,000
company : caparo engineering india ltd
net salary: 8500
city: chennai
mobile no:9600078995

radha krishnan March 12, 2012 at 8:16 pm

hi am radha krishnan from chennai am working in a private company i need a personal loan of Rs 50,000.00, my salary is 8,500 pm, annual amount is 1,02,000. i dnt have bank statement but i have salary slip for past one year, its very urgent can any one help me my contact no is 9962158758

rajesh kumar March 17, 2012 at 7:06 am

sir, i am central govmnt employeee posted in barpeta assam. i want land loan from your branch.as my home town is gaya,so i want ……..sir please telll me.
mobile no-8011393837

VENKATESAN.K March 20, 2012 at 11:44 am

dear sir,
please give me some information about personal loan

loan amout required :50,000
company : Noah’s laboratories
net salary: 6000
city: Thirupporur
mobil 9952030473

S.MURUGAN April 13, 2012 at 2:47 pm

sir,

i am state government employee in revenue department in tamilnadu , i need 2.laksh personel loan my net salary is Rs.13600/- my contact no.9442940156

RAVISHANKAR April 16, 2012 at 8:15 pm

Sir,
I need the personal loan for Rs.2.00 lacs kindly help to get the loan

Thanking you

swapna das April 20, 2012 at 4:08 pm

sir, I am swapna das . working in kpc medical college as a counsellor.i have salery account in sbi .i wants parsonal lone 150000 please give me this loan my mobile no. 9830574529

KATHIRKAMAJOTHI VELUSAMY May 20, 2012 at 2:11 pm

DEAR SIR
i am make new dairy farms so i need loan RS 500000 i apply loan bank of india alahapuram branch ariyalur dt tamil nadu so how to apply loan please can you give me information

Awadh Kumar Yadav July 16, 2012 at 1:39 pm

Sir

I have an defence salary package A/C No.30903004406 from your bank. I want some personnel loan for Rs.300000/- from your bank. I serving in 814 CETC defence office. My office want certificate for no loan taken / no outstanding (previous) as on date against the same account. please forward the same . My office fax No is 01628 256382 & my cell no is . 09653060052.

Thanks.

Yours faithfully

Awadh Kumar Yadav

manjeet July 19, 2012 at 10:50 am

pls tell me any bank in bhuj for personal loan my salery is12500 and workig in asia motor works Ltd.

asfani August 21, 2012 at 11:40 am

Dear Sir,
Now I am working in Saudi Arabia, I want personal loan for marriage perpose, what condition I have to fulfill for loan.

D.SreenivasaKumar December 6, 2012 at 2:55 pm

sir,

i am state government employee in Pandhayat Raj department in andhra pradesh , i need 2.5 laksh personel loan my net salary is Rs.14,000/- my contact no.9494047449

Reply

VIJITH.V January 7, 2013 at 8:41 am

DEAR SIR, I AM VIJITH.V,I AM AN INDIAN ARMY EMPLOYEE,I WANT TO A PERSONAL LOAN OF FIVE LAKHS.MY CONDACT NO 08670857833 AND NOW I AM WORKING IN SIGNAL SECTION AT DARJEELING( WEST BENGAL) .

Ramkumar January 8, 2013 at 5:41 pm

Sir,

I have salary account in HDFC BANK, SBI ,IDBI BANK AND ICICI BANK.

I need personal loan sir.Plse kindly tell me any contact number.

Regards,
Ramkumar(9789333522)

jayakrushna sahoo February 14, 2013 at 3:58 pm

Sir

I have an defense salary package A/C No.30534109882 from your bank. I want some personnel loan for Rs.100000/- from your bank. I serving in Thriveni Earthmovers Pvt.Ltd,M/s-Serajuddin & Co. i have account and salary transaction in SBI-Janghira Branch my Salary per month Rs-12500/- i am interested to take a personal loan from SBI janghira branch so please kindly consider my request and i submit the required documents . my cell no is . 9439290661

Thanks.

Yours faithfully

Jayakrushna Sahoo

SINTU SAGAR May 23, 2013 at 8:12 pm

SIR,
MY FATHER WANT TO LOAN ON HIS PROPARTY. BUT HE DON’T KNOW THAT HOW CAN GET LOAN BY BANK. HE WANT TO LOAN FOR START HIS NEW BUSINESS. PLZ SIR GIVE ME INFORMATION THAT HOW CAN HE GET LOAN BY BANK.
MOB 9058882658

Yogesh Ahire May 20, 2014 at 9:06 am

personal loan reqaired – 2 lakhs
company name – Emerson Design Engineering Center,Pune (Emerson Innovation Center)
Net salry per month-17500.00 and bike EMI is 2362-
My Contact no. +91 7757016663
Please i want urgent required pL

ashutosh pandey May 31, 2014 at 6:31 am

sir
I want some personnel loan for Rs.200000/- from your bank. I serving in coal india ltd singrauli m.p. i have account and salary transaction in SBI-amlohri singrauli (m.p) Bcranch my Salary per month Rs-24500/- i am interested to take a personal loan from SBI amlohri branch so please kindly consider my request and i submit the required documents . my cell no is . 8962253726.

firoz alam June 10, 2014 at 4:26 am

Sir,
I need the personal loan for Rs.2.00 lacs kindly help to get the loan

Thanking you

Swapnil Rajaram Roundhal June 23, 2014 at 12:22 pm

Sir

I have an defense salary package A/C No.20054048032 from your bank. I want some personnel loan for Rs.2,00,000/- from your bank. I serving in M/s.Oasis Infrastructure Pvt Ltd .I have account and salary transaction in SBI-Ghatkopar Branch my Salary per month Rs-13,800/- i am interested to take a personal loan from SBI Ghatkopar branch so please kindly consider my request and i submit the required documents . my cell no is . 9769797742

Thanks.

Yours faithfully

sonu kumar June 25, 2014 at 11:35 am

dear sir/madam
i m sonu kumar s/o jai singh ,206nangla sher khan urf jain pur meerut
i want a personal loan of three lac.now i m working sindhu bharat gas agency patla modinagar (u.p.)
please help me.

thanks & regards
sonu kumar
7417995971

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