Instant Online Personal Loan in Ahmedabad

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How it Works!

Quikkloan made the effortless process for the customers. Apply Personal Loan Online, Compare the best personal loan offer from the various Banks & NBF, upload the documents online, get disbursal in 24Hrs.

  Eligibility Criteria
Salaried Individuals between 21 to 58 years, Minimum Net Monthly Salary of Rs. 20,000 and Employed for at least 1-2 years

  Get ready with Documents
PAN & Aadhaar Card, Latest 3 month Bank statement, Two latest salary slip / latest Form 16, Cancelled Cheque

  Get Disbursal in 1 Day*
Personal Loan up to 25 Lakh, Instant approval and Fast Disbursal through Partnered Banks / NBFC, No Collateral and Minimum Documentation

Top Banks

Offering Lowest Personal Loan Interest Rates in Ahmedabad



Interest Rates

Loan Amount


Processing Fee

Apply Online


9.60% to 13.60% per annum

Up to 15 Lakh

Up to 5 Years

Nil – 1% of the Loan Amount + GST

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11.25% to 22.00% per annum

Up to 20 Lakh

Up to 5 Years

Up to 2.25% of loan amount+GST

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10.75% to 21.30% per annum

Up to 15 Lakh

Up to 5 Years

Up to 2.50% of the loan amount

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Axis Bank

12%-24% per annum

Up to 15 Lakh

Up to 5 Years

As applicable by the bank

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Kotak Bank

10.99%-24% per annum

Up to Rs.15 Lakh

Up to 5 Years

Upto 2.50% of loan amount + GST

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YES Bank

10.99% per annum

Up to Rs.40 Lakh

Up to 5 Years

Up to 2.50% of the loan amount +GST

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Tata Capital

10.99% per annum

Up to Rs.25 Lakh

Up to 6 Years

Up to 2.50% of the loan amount+GST

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As applicable by the bank

Up to Rs.25 Lakh

Up to 5 Years

3.50% of the loan amount

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IndusInd Bank

11.25% per annum

Up to Rs.15 Lakh

Up to 5 Years

Up to 2.50% of the loan amount+GST

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DCB Bank

10.22% per annum (one year MCLR)

Up to Rs.5 Lakh

Up to 5 Years

2% of the loan amount+GST

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Bajaj Finserv

12.99% per annum

Up to Rs.25 Lakh

Up to 5 Years

Up to 4.13% of the loan amount+GST

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Aditya Birla Finance

14%-26% per annum

Up to Rs.50 Lakh

Up to 5 Years

Up to 2% of the loan amount+GST

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16% per annum

Up to Rs.25 Lakh

Up to 5 Years

Up to 2% of the loan amount+GST

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HDB Financials

Up to 36% per annum

Up to Rs.20 Lakh

Up to 5 Years

Up to 2 % of the loan amount

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Fullerton India

12.99%-36% per annum

Up to Rs.25 Lakh

Up to 5 Years

Up to 3% of the loan amount

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Personal Loan Eligibility in Ahmedabad


Eligibility Criteria



Minimum Age



Maximum Age



Minimum Income

Rs.35,000 monthly

Rs.2 lakh(annual)

Credit/Cibil Score

Above 750(out of 900)

Above 750(out of 900)

Minimum Job/Business Stability

1-2 Years

2-3 Years

Minimum Work/Business Experience

1-2 Years

3 Years

Minimum Profit After Tax


Rs.1-2 lakh(annual)

Personal Loan in Ahmedabad at a Glance




Interest Rates

Starting at 10.99% per annum

Loan Amount

From Rs 1,00,000-Rs.25,00,000


Up to 5 Years

Processing Fee

1.50%-2.50% of the loan amount+GST

Minimum Monthly Income


Cibil Score

Above 750 (out of 900)

Prepayment/Foreclosure Charges

2%-6% of the principal outstanding +GST

Personal Loan in Ahmedabad?

A personal loan is a short-term loan which could be used for any legitimate purpose. You won’t be required to pledge any form of collateral or security. It can be used to meet immediate personal expenses with instant approval and disbursal of the loan amount.  A personal loan has several advantages including relatively simple documentation, flexible loan tenures and no restrictions on how you use the money.


This loan comes in handy to meet multiple needs such as:  

  • Medical Emergencies
  • Wedding Expenses 
  • Debt Consolidation
  • Home Renovation/Extension
  • Higher Education
  • Travelling Expenses
  • Purchasing High End Consumer Durables Value

How to Apply for Personal Loan in Ahmedabad?

Opt for an online process as it is really simple and quick. In just a few easy steps, you can apply for a personal loan in Ahmedabad hence can get the required funds. The process starts when you send an online application which is followed by the receiving the related quotes, next is the document submission and finally quick approval and disbursal of the loan. Also, the online process is completely secure hence all your confidential information will remain safe. And, if you are an existing customer of a bank, no hassle of submitting the KYC documents as your lender already has it. So, enjoy a smooth personal loan journey online.

Steps to Apply for Personal Loan in Ahmedabad

Step 1: Fill Loan Query Form

Step 2: Get the Quotes

Step 3: Submit the Required Documents

Step 4: Get Instant Approval & Disbursal

CIBIL Score Required for Personal Loan in Ahmedabad

Your three digit numeric summary plays an important role in availing the loan. And, a score of above 750 out of 900 is considered to be good enough in grabbing an instant personal loan in Ahmedabad. Make sure you maintain the same score by timely repayments so that your repayment history remains clean. Yes, with a fair credit history would be able to get the loan easily as your cibil is also healthy then. After all, a bad/poor repayment record is a symbol that you were not a good borrower in the past. As a result, lenders won’t be able to trust you as far as repayment is concerned. With a good score, you would be able to get the loan easily as your repayment history would be considered here hence no hassle in availing the loan. 

Minimum Salary Required to Avail Personal Loan in Ahmedabad

Rs.35,000 is the minimum monthly income that an individual should have to enjoy a hassle-free loan journey. With such a monthly income, you would be able to repay the loan easily as less chances would be of default. Yes, the higher income you have, the better it is for you as your monthly expenses can easily be managed. Thus, extra funds you have in order to repay your loan.

Personal Loan EMI Calculator

Use a personal loan EMI calculator and know the exact values of your monthly installments in a hassle-free manner. The device functions very quickly and lets you know the accurate values of EMIs, Interest Outgo and Total Amount Payable. You simply need to feed: 

  • Loan Amount 
  • Tenure 
  • Interest Rate


And soon after you enter these credentials into the calculator, the calculations will be right in front of you. In just a few minutes, the device starts functioning hence gives you the accurate values so that you can take a calculative decision for a personal loan in Ahmedabad.  

Let’s take the help of an example and try to understand the calculations below. 

Suppose, an individual has taken a loan of Rs.15 lakh at an interest rate of 12.40% per annum for a tenure of 5 years. Let’s see the calculations below.


Table Showing EMI, Total Interest Outgo, Total Repayment (Interest + Principal)

Loan Amount (in Rs.)

Interest Rate(per annum)

Tenure (in Years)

EMI (in Rs.)

Total Interest Amount(in Rs.)

Total Amount=Principal +Interest (in Rs.)
































Table Showing Principal, Interest and Balance Amount


Principal (in Rs.)

Interest(in Rs.)

Balance Amount(in Rs.)





















Personal Loan Fee & Charges

There are certain charges that an applicant needs to bear while availing the loan. Charges like processing fee is payable at the time of availing the loan, which is a non-refundable and a one-time fee. While prepayment and part payment would also be levied if a borrower opts for the same. Do check these charges from your lender before finalizing the loan deal. 


Apply for Personal Loan in Ahmedabad

The beautiful city of Ahmedabad is a famous commercial centre of the Gujarat State. The city is a hub of many trading, commerce and banking activities. And, is also a home to information technology, education, scientific research, culture, etc.  With people having easy access to banks and NBFCs, availing an instant cash loan in Ahmedabad is not a hassle. The lenders offer quick personal loan to the borrowers at an attractive interest and flexible tenures. People can apply online for the loan and get the required funds instantly to fulfill their varied needs. Make sure you met the required eligibility criteria before availing the loan to have a smooth loan journey.  

Feature & Benefit Of Personal Loan

The Best feature and benefit Of a Personal loan 

Instant Approval: On applying for a personal loan online, you can get instant approval, if your eligibility matches. Soon after receiving your application, you can get approved instantly. 

Fastest Disbursal: As far as a disbursement is concerned, the required amount will be credited in your respective bank within 5-7 working days. With the fastest disbursement, any financial need can instantly be fulfilled.  

Less Documentation: The process of getting a personal loan is really easy and quick. And, when it comes to documents, it is a lot easier. With just a few KYC documents, one can get a personal loan.  

Minimal Fee & Other Charges: When it comes to personal loan, one has to pay a one-time processing fee and which is also very reasonable, hence lessen your loan burden.   

Good Loan Amount: In case of an instant personal loan, the loan amount ranges between Rs.1,00,000 to maximum up to Rs.25 lakh which means your instant financial needs can easily be covered.  
Flexible Repayment Tenure: A borrower can repay the loan by choosing a flexible tenure of up to 5 years. This repayment tenure allows a borrower to enjoy easy EMIs and less loan burden.

Documents Required For Personal Loan

Mentioned are the personal loan documents for salaried and self-employed.



Complete Online Application

Fillup the Online loan Application in just 2 minutes


Provide Identity Proof

Voter id/ Passport/ Driving License / Aadhaar Card


Address Proof

Aadhaar /Passport/ Telephone or Electricity Bill/ Ration Card


Bank Statement

Latest 3 Months Bank Statement or Passbook


Income Proof

For Salaried – Latest 3-month Salary Slip

                    For Self Employed –  ITR and Current Bank Statement of 3 months

Frequently Questions

.How Much Personal Loan Can I Get in Ahmedabad?

You can get a personal loan ranging from Rs.100,000-Rs.25,00,000, depending on your personal loan eligibility. However, some lenders also offer a maximum loan amount of up to Rs.30 lakhs after taking into the consideration factors like: income, repayment capacity, credit score, etc

How Early I Can Get a Personal Loan?

Usually, a personal loan can be disbursed within 5-7 working days, in case of medical emergency, it can be disbursed quickly.

What is the Tenure for a Personal Loan?

A borrower can choose to repay the loan in 1-5 Years, depending upon his/her needs.

How Can I Calculate My EMIs?

With a Personal Loan EMI Calculator, it is quick and easy to know the exact EMIs you need to pay to the lender. Simply enter-Interest Rates, Loan Amount and Tenure and based on your input, the calculator will let you know the EMIs.

What happens if I miss my EMIs?

If you miss an EMI, a late payment charge will be applicable and penal interest might be charged. However, missing an EMI puts you in a defaulter’s list, which of course will harm your financial journey.

What is a Processing Fee and How Much Banks Charge on a Personal Loan?

A processing fee is a one-time, non-refundable fee, charged by the banks at the time of availing a loan. Banks usually charge a processing fee of up to 2%-2.50% of the loan amount+GST.

Are There Any Additional Charges for Personal Loan?

Yes, only when you opt for it. Yes, charges like prepayment and part prepayment are applicable if you opt for the same later. 

PrePayment/Foreclosure: In case you want to pre-close your personal loan before the set tenure/repayment schedule, you need to bear the charges for the same. For Prepayment/foreclosure, lenders charge 2%-6% of the principal outstanding+GST. One can opt for this facility, after 9 or 12 months of EMIs payments.  

PartPayment: A borrower can also opt for part payment, wherein he/she can pay a certain portion of a loan in one-go and reduce the burden. In case of availing a part payment, 2% charge+GST is applicable on the part payment amount. 

What is Personal Loan Balance Transfer and How Can I Avail It?

A personal loan balance transfer is a facility, wherein a borrower can transfer the balance loan amount (amount left to be paid) of existing lender to new lender. You can avail this facility after paying 9 or 12 EMIs in your existing bank. 

After opting for a balance transfer, you are liable to a new lender and have to pay a one-time processing of 2%-2.50% of the loan amount+GST. However, a Balance Transfer can be availed to enjoy lower interest rates offered by a new lender, that can minimize your loan repayment burden.

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