Personal Loan in Bangalore - Instant & Easy Personal Loan at lowest Interest Rate

Personal Loan in

Personal Loans ranging from Rs.25K to Rs.25L with a tenure starting from 6 months.

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Personal Loans in Bangalore

Personal loans in Bangalore are easily available through a lot of Financial Institutions and NBFCs who provide the loan at fair interest rates. The loan amount ranges from Rs. 25,000 to Rs. 25 Lakhs with a tenure period of one to five years. Personal Loans in Bangalore are ideal for times of emergencies as the loan is obtained instantly with minimal documentation. Apart from being fast and easy, personal loans are unsecured i.e. you do not have to provide any asset as collateral to secure the loan. Secondly, you can always take up a personal loan for carrying out a balance transfer or for consolidating all your debts for convenience of repayment. Finally, personal loan interest rates are much lower than other forms of debt, say credit card interest rates. Usually, a personal loan is obtained for varied purposes such as paying off medical bills, home renovation, wedding expenses, buying personal durable goods and covering travel expenses.

Bangalore is the third most populous metropolitan city in India which boasts of succulent dining experiences, shopping centre and heavy drinking scenes. It is a melting pot of various cultures as many people from different cultural backgrounds migrate to this city. It is known as ‘The Silicon Valley of India’ and therefore attracts young working professionals who want to kick start their career. It is a bustling student friendly city, being the center for many renowned research and educational institutions in India. Although the lifestyle is simple, young working professionals and students who form a large part of the population borrow for small business investments and covering certain costs.

The borrower’s credit history and final credit score is reviewed by the lender who takes into account all the borrower’s information for loan approval. Your credit scores determine the interest rates to be charged, loan amount and loan tenure. For obtaining a personal loan with ease, certain requirements such as a decent credit history, adequate monthly salary and minimum age are important.

To get the best deal and a fair rate of interest, adequate research should be carried out. The interest rates, processing fees, flexibility of tenure and pre-payment charges should be compared and the best option should be chosen. Many people fall into the trap of borrowing from NBFCs who charge a very high rate of interest. At times, the interest rates can go as high as 30%. It is advisable to turn to online lending platforms as the loans are provided at lower interest rates at these platforms. To get the best deal without going through a lot of trouble, online lending platforms such as are a good option. Applying for a personal loan online is convenient as most of the work is done by the online platform. When you apply online, your application is sent to various banks and NBFCs based on your profile to make a lending decision and assess the risk involved. Online platforms like IndiaLends operate without charging any extra fees or attached hidden costs.

Personal Loan: An Overview

A Personal loan is a form of credit offered by financial institutions for the borrower’s personal use.
It is an unsecured loan and doesn’t require collateral as security or a guarantor to avail the loan.

*The figures provided in the table are indicative subject to change from time.

How it Works

A Personal loan is a form of credit offered by financial institutions for the borrower’s personal use.
It is an unsecured loan and doesn’t require collateral as security or a guarantor to avail the loan.




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Loan Disbursal

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Receive the loan amount within two days.

Find out your customized interest rate for a Personal Loan in Bangalore

A Personal loan is a form of credit offered by financial institutions for the borrower’s personal use.
It is an unsecured loan and doesn’t require collateral as security or a guarantor to avail the loan.

Basic Eligibility Criteria

  • eligibility

    Good Credit Score

  • eligibility

    Above 21 years of Age

  • eligibility

    Salaried professional

  • eligibility

    Resident of India

  • eligibility

    Valid Bank Account

  • eligibility

    PAN Card and Voter ID Card/Driving License

  • eligibility

    Bank Statements for the last three months

  • eligibility

    Salary Slip for last three months

Personal Loans in Bangalore Reviews

Your reviews motivate us and help us make our service even better

    • user
    • Aditya Nafde

      IndiaLends lived up to their promise of providing reasonable rate of interest and charges. The entire process was easy and good.


    • user
    • Jobin Mathew

      IndiaLends’ online loan application process made it easier for me to fill, track and check my status for Personal loan at each step. I am happy with my experience with them.


    • user
    • Rishabh Taneja

      A recent example of the exemplary service I have received. My personal loan had to get approved the other day but I forgot to submit one of my documents. I called my dedicated personal loan executive & very patiently helped me in getting my documents picked up again, appreciated.


    • user
    • Sushant Saini

      IndiaLends has a dedicated customer support team. I always had problems in getting my personal loan passed but I was not aware of the reason for it. Their agents advised me that I had low CIBIL score and told me the ways to improve it, which helped.


Frequently Ask Questions

Q. How much can I borrow and for how long?

A. You can get personal loans starting from Rs. 25,000 up to Rs.25 lakhs for 1 to 5 years.

Q. Can I repay my loan early?

A. Yes, you can pre-pay your loan as and when you want.

Q. How does Indialends assess my credit worthiness and how long does this take?

A. Each consumer wishing to borrow on the Indialends portal will need to go through a rigorous verification and credit assessment process. The assessment is based on information collected from various data sources like the application form, credit bureaus, bank statements, pay slips, verification reports, social media, etc. The above process is automated and happens within seconds. Hence, you can get an approval shortly after you submit your application.

Q. Why was my application rejected?

A. The reason your application was rejected was because your credit profile did not match the criteria stipulated in the Indialends policy at the time. However, Indialends might be able to approve your application at a later date, if by then your credit file has improved or there have been changes in the Indialends credit policy.

Q. What is my repayment schedule?

A. Repayment of the loan will happen monthly on an EMI (equated monthly installment) basis where the amount will be calculated based on amortizing balance. One or two of the installments might be different which will depend on the timing of the loan.

Q. What happens in the case of a missed payment or non-payment by a borrower?

A. If the monthly payment for a borrower is delayed for any reason, a penalty fee and penal interest might be charged to the borrower. The borrower’s credit file will also get impacted which will restrict him / her to get credit in the future. Legal action may also be taken against the borrower.

Q. What information is shared with the lenders browsing through the profiles?

A. Lenders will have the ability to view detailed profiles of the borrowers, information like financial information, employment information, etc. The personal information of the borrower remains protected as per our privacy policy.

Q. How do I alter my loan request?

A. Loan requests can only be cancelled prior to loan disbursal. In case you want to make any changes to your request please reach out to The support team will help you in making the modifications.

Q. How can I make monthly payments?

A. You can pay your EMIs using electronic transfer of funds, ECS.

Q. How will you disburse the loan amount?

A. Soon after the loan is approved, the funds will be transferred right into your bank account.