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Personal Loan in Bangalore

As India’s IT hub, Bengaluru comes with a fast-paced life & expenses—be it for travel or a personal projects. Apply for personal loan in Bengaluru of up to Rs 40 lakh on Paisabazaar at an interest rate of 9.98% p.a. onwards. Also, check pre-approved offers based on your credit profile, with instant disbursal.

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2839 Reviews

51M+Satisfied Customers
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800+Cities across India

Paisabazaar Exclusive Benefits

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Wide Choice

Curated offers from 30+ lenders

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Quick Disbursal

Money in your account instantly

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SmartMatch

Offers ranked according to eligibility

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Digital Process

Hassle-free & paperless

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HDFC Bank
10 Second Disbursal*100% Digital Process*Quick Disbursal
Max. Loan Amt.Upto ₹25L
Rate of Interest9.99% - 12.5%
Tenure upto1-5 Years
Processing Fee₹ 6,500
Axis Bank
Low Processing fee
Max. Loan Amt.Upto ₹40L
Rate of Interest9.99% - 17.15%
Tenure upto1-5 Years
Processing Fee1% - 1.5%
Kotak Mahindra Bank
Lowest Income requirement100% Digital Process*
Max. Loan Amt.Upto ₹25L
Rate of Interest9.98% - 17.2%
Tenure upto1-5 Years
Processing Fee1.1% - 1.5%

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Why Choose Paisabazaar?
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Compare & Choose the Best Offer

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Pre-approved Offers with Instant Disbursals

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Know Your Chances of Approval

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End-to-End Digital Process

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

In Bangalore, personal loans are easily accessible through:

  • Digital lending platforms and fintech apps often provide faster approval and disbursal (sometimes within 24 to 48 hours) but usually at higher interest rates.
  • Banks and NBFCs offer both online and branch-based loan services.

Digital platforms are generally preferred for their paperless and hassle-free process, while banks and NBFCs may provide better deals for existing customers or those with strong credit profiles.

Why Choose Paisabazaar?

  • One-stop platform to compare offers from top banks and NBFCs, including HDFC, ICICI, Axis, IndusInd, Tata Capital, etc.
  • Instant eligibility check and personalized loan offers based on credit profile.
  • Free credit score check.
  • Paperless application and digital processing support.
  • Pre-approved loan offers with instant disbursals.

How much loan amount can you get, and at what interest rates

Personal loan amounts in Bangalore usually range from Rs 50,000 to Rs 40 lakh, depending on the lender and your eligibility.

The personal loan interest rates in Bangalore vary widely based on several factors:

  • Applicants with scores of 750+ usually get lower rates as they are viewed as financially disciplined.
  • Applicants having higher monthly incomes can get a loan at lower interest rates, as it reduces default risk for the lenders.
  • Salaried employees, especially those working in government/PSU/MNC, may get preferential interest rates due to their stable income.
  • Lenders may offer lower personal loan rates or pre-approved instant loans to their existing customers.
  • Applicants with frequent job changes have lower chances of approval or may get loan at higher interest rates as they are considered to carry higher credit risk.

What documents are required for Personal loan approval in Bangalore

General personal loan documents

  • PAN card and Aadhaar card
  • Salary slips for the last 3 to 6 months
  • Bank statements for the last 3 to 6 months
  • Employment proof, such as an office ID or an offer letter

Digital Document Processing

Many lenders offer digital KYC (e-KYC) processes for digital personal loans, making documentation entirely paperless.

No documentation for Pre-Approved Loans

In the case of pre-approved personal loans, lenders usually do not require fresh documentation as they already have the necessary KYC documents for their existing customers.

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How to choose the right lender?

Compare offers from multiple lenders, including banks and NBFCs, to find the best deal. Key factors to compare:

  • Interest rates and processing fees: Compare the total cost, not just the interest rate.
  • Prepayment and foreclosure charges: Check if the lender allows part-payments or foreclosure and at what charges.
  • Loan tenure flexibility: Look for lenders offering flexible repayment terms that suit your repayment capacity.
  • Customer service and after-loan support: This can save you hassle in the long term, especially for balance transfers or prepayments.
  • Digital experience: For ease of online application and hassle-free process.
  • Approval Speed & Disbursal Time: If you need funds urgently, consider lenders with digital processing or instant loan options.

Key Takeaways for Bangalore Borrowers

For someone in Bangalore, a personal loan is easily accessible, but an informed approach can help avoid hidden charges, high-interest rates, and unnecessary hassle.

  • Check your credit score before applying; this affects both approval chances and interest rates.
  • Never fall for instant loan traps from unknown apps.
  • Negotiate where possible, especially if the borrower has an existing relationship with the bank.

How Can I Apply for a Personal Loan Online?

Get up to ₹40 Lakh in 5 Simple Steps

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the loan purpose and loan amount

Step 5: Compare offers and apply for the best-suited loan

Explore Our Personal Loan Lenders

HDFC BANKHDFC BANKAxis BankAxis BankKotak Mahindra BankKotak Mahindra BankICICI BankICICI BankFederal BankFederal BankIDFC First BankIDFC First BankIndusind BankIndusind BankRBL BankRBL BankTata CapitalTata Capital
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FAQs

Personal Loan Articles

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Importance of No Dues Certificate in Personal Loan Closure

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What our customers say

Got loan yesterday

I got a loan of 2 lakh from Paisabazaar. Until now, I didn&#x27;t know that it was so easy to get loan through Paisabazaar. They helped me with all documents and process and my loan was sanctioned yesterday itself.

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Priyanka SharmaOct 15, 2025

Great Customer support and response

Quick and efficient support team of Paisabazaar. Proper knowledge of product and good customer relationship by Abhishek Singh.

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ABhisekh BordoloiSep 21, 2025

Got personal loan from Paisabazaar

I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

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Pranoy SenSep 19, 2025

Got personal loan from Paisabazaar

I applied for personal loan from paisabazaar and it was disbursed in 2 days. My immediate requirement was fulfilled just in time. Thanks guys for the prompt response and quick approval.

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Pranoy SenSep 19, 2025

Feedback - Customer support

I recently received a quick loan through PaisaBazaar, and I want to sincerely appreciate the excellent customer support I received from Ms. Abhinaya ( Customer EW33882) During a critical financial situation, her guidance and support were truly exceptional. She was patient, professional, and empathetic throughout the process, making sure I understood everything clearly and felt confident in my decisions. Thank you, Ms. Abhinaya, and PaisaBazaar, for being there when I needed it most.

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EZAKIEL BSep 18, 2025

Exceptional Support During Loan Process

I’m writing to express my sincere appreciation for Mohammad Shazeb (Employee Code: EW33348) for the excellent support he provided during my recent loan process. There was a complication with the KYC verification, and Shazeb handled it swiftly and professionally. He ensured that I received regular updates, explained the resolution steps clearly, and most importantly, resolved the issue quickly.

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Abhishek ThakurSep 1, 2025

Outstanding Assistance from Ms. Seema Kumari

I would like to express my sincere appreciation for Ms. Seema Kumari (Employee ID: EW32347) for her exceptional support in helping me secure a personal loan.

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Abdul ShaikhAug 23, 2025

Excellent Support and Guidance from Ms. Yashi Saxena

I had the opportunity to interact with Ms. Yashi Saxena (Employee Code: AW22197) while applying for a loan from Poonawalla Fincorp. I am extremely satisfied with her guidance, support, and professionalism throughout the process. She explained each step very clearly, helped me understand the details, and ensured that the process went smoothly. Her assistance made my loan journey hassle-free.

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Jitendra WaskelAug 14, 2025

Loan from paisabaAar

Get a personal loan from paisabaaz customer support is very supportive loan disburse in 2 days thanks team

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DeeptiAug 2, 2025

Compare and Applied

Hi, I can easily choose the right loan offers for me with the help of Paisabazaar. Previously, I tried fincover for the same, but I can decide while checking with you. Thank you

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ajayJul 24, 2025
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