Personal Loan


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Personal Loan in Lucknow

A Personal loan or a consumer loan is an amount borrowed by an individual for personal needs. In today’s world, many leading banks and NBFC’s will offer hassle free personal loan to their customers quickly. A personal loan is a very popular loan from all the loan products in Lucknow.
Lucknow, a multicultural city is one of the most important financial cities of India. People residing in Lucknow take various types of loans and out of that list, personal loans are the most favored. There are many reasons why you could take a personal loan in Lucknow. You could go for a long vacation with the family, pay for your children’s higher education, wedding expenses and also in times of emergencies related to medical situations.
If you happen to apply for a personal loan in Lucknow, the tenure offered to you by the Bank or NBFC will be around 5 to 7 years. They will also provide interest rates which will start from 11.29%* onward. Usually, Banks and NBFCs in Lucknow have been known to offer customized personal loan to their customers whom they can pay in easy EMI options.
Banks and NBFCs in Lucknow will only approve the personal loan applications based on the applicant’s financial history, his/her credit score, current financial obligations and their ability to repay the personal loan within the decided tenure without any defaults.

Why Choose Ruloans To Apply For Personal Loan in Lucknow?

Ruloans is India’s fastest growing financial distributors. We have been in this industry for much over a decade and have helped our customers borrow right. With our highly experienced team of individuals who have a lot of knowledge in the loan business, we provide valuable insights to our customers and provide them with services that are “much more than money”. We have partnered with over 50 plus private banks and NBFCs and hence can use our expertise to give our customers the service they desire.

Hassle free process

At the website of Ruloans, you will find a hassle free online process. This process helps you in applying for a personal loan in Lucknow. Once you reach our online portal, we give you different options where you can compare the EMI rates and other options that will help you to decide what loan to take.

Benefits of applying with us

We at Ruloans have been in this industry for a long time and hence we have partnered with many Banks and NBFC’s in Lucknow. With our experience and expertise in this field, we can always offer you our best services and help you get the loan you want.

Compare your loan options

On the online portal, once you fill in your basic details and requirements, you can compare and choose from a list of lenders who can give you a personal loan in Lucknow. The best part is that on one page you can easily compare interest rates, processing fees and many other details of various banks and NBFCs. This helps you to choose wisely.

Free expert guidance and advice

For all these services, we at Ruloans do not charge a single penny from our customers. There are no fees for the services we offer. Our loan guidance is hence free of cost.

Privacy policy

We at Ruloans believe that privacy is the most important aspect and hence we have a very strict privacy policy. We do not share any of your documents and other details with any 3rd party except the lender you choose to take a loan from.

What are the Features & Benefits of taking a Personal Loan in Lucknow?

One of the major benefits of taking a personal loan in Lucknow is that the amount comes of great help whenever there is an urgent need of funds. These funds could be to fulill personal or professional obligations on an immediate basis. There are many benefits associated with applying for a quick personal loan in Lucknow;

  • One of the best advantages of a personal loan in Lucknow is that almost many leading banks and NBFCs have offered a quick and easy process to avail a personal loan. Also, you have the authority to choose a lender of your choice whenever you apply online on Ruloans.
  • Another benefit here is that the applicant does not require keeping any kind of collateral while taking a personal loan in Lucknow. This makes the documentation minimal and hence the list of documents required to get a personal loan is considered to be very less.
  • Once all the listed documents are submitted, Banks and NBFCs in Lucknow approve the personal loan within 24 to 48 hours*. You must note that only after submitting all the legitimate documents, shall the loan be disbursed.
  • Apart from other loans where there is always a reason listed for the loan being taken, a personal loan in Lucknow has no such list. It is a multipurpose loan that fulfills a lot of needs right from personal to professional. Banks and NBFCs in Lucknow will not ask the applicant any reason for taking a personal loan.
  • When planning to avail a personal loan in Lucknow, you can always negotiate the rate of interest and other terms with your loan lender. Yes, if your credit history is good, the lender will allow you certain waivers and benefits too. Thus this kind of a loan is called as a flexible type of loan.

What are the Eligibility Criteria to avail a Personal Loan in Lucknow?

For a personal loan, all the Banks and NBFCs have a list of specific criteria that an individual needs to possess in order to get a personal loan in Lucknow. If you are eligible as per the criteria, then you can always get a quick and hassle free personal loan in Lucknow.


Particulars Salaried Borrowers Self-Employed Borrowers
Age 21 years to 60 years 23 years to 60 years
Income Rs. 15,000 (Rs. 20,000 in metros) Turnover of minimum Rs. 24,00,000 (differs for professional and non-professional)
Maximum Loan Amount Approved Rs. 15,00,000 Rs. 15,00,000 to 20,00,000
Minimum Loan Amount Approved Rs. 75,000 Rs. 75,000 to Rs. 3,00,000
Loan Tenure 12-72 months 12-48 months
*Please note that the eligibility criteria will always differ from lender to lender. The above details listed are generic and hence are not specific to just one lender.

What are the Documents Required to avail a Personal Loan?

Below listed are the different sets of documents that you will need in order to avail a personal loan.


Particulars Salaried Borrowers Self-Employed Borrowers
Identity Proof Passport, Driving License, Voters ID or PAN Card Passport, Driving License, Voters ID or PAN Card
Address Proof Passport or utility bills Passport or utility bills
Additional Documents Salary slips for last 3 months Proof of highest professional degree
2 year employment continuity document Latest Income Tax Return Balance sheet
Profit and Loss for last 3 years certified by CA
*Please note that the eligibility criteria will always differ from lender to lender. The above details listed are generic and hence are not specific to just one lender.

How to Apply For a Personal Loan on Ruloans

You only have to go through 5 steps to apply for a personal loan in Lucknow on Ruloans


How to Apply For a Personal Loan in Lucknow on Ruloans?
Step 1 First, you will have to visit the ‘Personal Loan in Lucknow’ page on our website and click on ‘Check Your Eligibility’ box.
Step 2 Then you will need to fill out personal and financial information. Once you complete those details, our loan calculator will check your eligibility with its highly efficient algorithm.
Step 3 As per the details entered by you, our loan calculator will provide you with a list of banks and NBFCs that are most suitable for you as per the eligibility criteria. This list will include names of all the financial institutions, their interest rates on offer, required list of documents etc.
Step 4 Once you go through the list, research and choose the lender of your choice. You can start filling up the form and then upload the required documents. In case you feel you have a doubt or need any assistance, please do not hesitate in calling our experts for advice. You can also drop us an email and our representative will help you. The contact details are given on our website.
Step 5 Your application will be sent electronically to the bank you selected. You will be informed about the status of your application via SMS, email or you can track it via website too.

Frequently Ask Questions

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