Collateral Free:
A Personal Loan is an unsecured loan, so you do not need to provide security or collateral.
Personal Loan in Lucknow
Loan up to Rs 5 Lakh
Minimum Salary Required Rs 15K
Instant Approval in 10 minutes
Personal Loan EMI Calculator
Get a Personal Loan in Lucknow Up to 5 Lakh
The City of Nawabs, Lucknow is famous for its rich heritage and culture. Besides its rich history, Lucknow is known for its poetry, handicrafts, food, and much more. Being the capital of Uttar Pradesh, it offers tremendous growth opportunities to job seekers and small businesses.
And to provide them with the financial assistance they need, you can find numerous personal loan providers in Lucknow. A personal loan is an unsecured form of financing and is the most dependable source of financial support in hard times.
Features and Benefits of Personal Loan in Lucknow
Check out the key features and benefits of Hero FinCorp’s Personal Loan in Lucknow.
Instant Approval
Hero FinCorp provides approval for an instant Personal Loan in Lucknow in 10 minutes.
High Loan Amount:
Hero FinCorp offers Personal Loans ranging from Rs 50,000 to Rs 5 lakh.
Attractive Interest Rate:
Our Personal loans interest rate in Lucknow start from 1.58% per month.
Eligibility Criteria for Instant Personal Loan in Lucknow
If you are planning to avail of a personal loan, you can get flexible loans at Hero FinCorp. To get an instant loan in Lucknow, you need to fulfil our personal loan eligibility requirements.
| Criteria | Requirement |
|---|---|
| Age | You should be between 21-58 years. |
| Citizenship | You should be a citizen of India. |
| Work Experience | Six months for salaried individuals and 2 years for self-employed individuals. |
| Monthly Income | You should have a minimum income of Rs 15,000 monthly. |
List of Documents Required to Apply for a Personal Loan in Lucknow :
Documentation requirements vary slightly for salaried and self-employed applicants. So, being prepared with the necessary Personal Loan documents can help ensure a smooth and hassle-free application process. Here’s a list of the commonly required documents.
Documents Required For Salaried Employee
Proof Of Photo Identity
Driving Licence, Passport, PAN Card, Aadhaar card
Mandatory Documents
Filled Loan Application Form, Passport Size Coloured Photograph
Proof of Income
Three Months’ Salary Slip, Six Months’ Bank Account Statement, Form 16
Job Continuity Proof
Appointment Letter From the Current Employer
Proof of Residence
Driving Licence, Passport, Aadhaar Card, Utility Bill
Documents Required For Self Employed
Proof Of Photo Identity
Driving Licence, Passport, PAN Card, Aadhaar card
Mandatory Documents
Filled Loan Application Form, Passport Size Coloured Photograph
Proof of Income
Last Six Months Bank Statement, ITR for the Last Two Consecutive Years
Proof of Residence
Maintenance Bill, Utility Bill, Property Documents, Rent Agreement
Proof of Business Existence
Copy of Tax Registration, Shop Establishment Proof, Company’s Registration Certificate
Interest Rates and Charges on Personal Loans in Lucknow
It is important to know the loan costs before applying for an instant Personal Loan in Lucknow. At Hero FinCorp, Personal Loan interest rates are competitive, and other charges are nominal. Here are the details.
| Fees & Charges | Amount Chargeable |
|---|---|
| Interest Rate | Starting from 1.58% per month |
| Loan Processing Charges | Minimum 2.5% + GST |
| Prepayment Charges | N.A. |
| Foreclosure Charges | 5% + GST |
| EMI Bounce Charges | Rs 350/- |
| Interest on Overdue EMIs | 1-2% of the loan/EMI Overdue Amount Per Month |
| Cheque Bounce | Fixed Nominal Penalty |
| Loan Cancellation | 1. Online loan app does not charge any cancellation charges |
| 2. Interest amount paid is non-refundable | |
| 3. Processing charges are also non-refundable |
How To Apply For a Personal Loan in Lucknow?
For quick approval within 10 minutes, you should consider applying for a personal loan online. Here is the stepwise process:
- 01
Visit the Hero FinCorp website or install the personal loan app
- 02
Go to the personal loan page and click ‘apply now’
- 03
Enter your mobile number and verify with the OTP received
- 04
Choose the loan amount you need
- 05
Verify your KYC details to check income eligibility
- 06
Click ‘Submit’ to complete your application
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Frequently Asked Questions (FAQs)
You should be an Indian citizen with a minimum age of 21 years.
You should have a minimum monthly income of Rs 15,000 to avail of a Personal Loan in Lucknow.
If you meet our eligibility criteria perfectly and have all the documents handy, you can get an instant approval of a Personal Loan in Lucknow within 10 minutes.
The interest rate will depend on your credit score, debt-to-income ratio and lender's rules. The personal Loan interest rate at Hero FinCorp starts at 1.58% a month or 19% per annum.
You can get a Personal Loan approval in less than 10 minutes when you apply on the Hero FinCorp app.
You just need basic documentation, like your KYC details and income proof, to apply with online lenders like Hero FinCorp.
Certainly, you can confidently apply for a Personal Loan in Lucknow, provided you have a good credit score, a low debt-to-income ratio and meet the minimum income requirements of the loan provider.
You can choose a repayment tenure of 12 months to 36 months at Hero FinCorp based on your monthly budget.
Yes, you might get a Personal Loan in Lucknow even with a poor or low credit score, but the lender may not offer a higher loan amount or affordable rates.
Just fill out an application form with your KYC (Know Your Customer) details and submit it with your proof of income online or at your nearest Hero FinCorp branch office.
You can get a Personal Loan in Lucknow of up to Rs 5,00,000 from Hero FinCorp without collateral.
Yes, Personal loans have a small processing fee that gets deducted at the time of processing the Personal Loan application.