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Instant Personal Loan in Delhi

Living in Delhi, one of the most vibrant and expensive cities in India, can present various financial challenges. Thankfully, an instant personal loan in Delhi can help ease those challenges by providing quick access to funds. Whether you're planning a home renovation, consolidating debt, or covering emergency medical expenses, a personal loan in Delhi offers the flexibility to meet your financial needs.

IDFC FIRST Bank offers customized personal loans in Delhi at competitive interest rates, making it easier to manage your finances in this bustling capital. Many residents rely on these loans to cover unexpected expenses or achieve their financial goals.

Apply now

Features of Instant Personal Loan in Delhi

Low Interest Rate

Low Interest Rate

Benefit from one of the lowest personal loan rates in Delhi starting at 9.99% p.a.

100% Digital Process

100% Digital Process

A 100% online application that’s fast, secure, and hassle-free.

ZERO Foreclosure Charges

ZERO Foreclosure Charges

No penalties or hidden costs when you foreclose your loan.

Instant Disbursal

Instant Disbursal

Once approved, funds are transferred to your account almost instantly within 30 minutes.

No Collateral Required

No Collateral Required

A truly unsecured personal loan—no asset or security required as backup.

Flexible Repayment

Flexible Repayment

Make repayments easier with tenure choices and flexible EMI dates.

Eligibility Criteria for Personal Loan in Delhi

Who Can Apply?
  • For Salaried Individuals:
  • eligibility Must be between 21 and 60 years old at the time of loan maturity.
  • For Self-Employed Individuals:
  • Must be between 21 and 65 years old and have a business that has been operating for at least three years. Must be between 21 and 65 years old and have a business that has been operating for at least three years.
Documentation

The documents needed to apply for a Delhi loan are:

  • Valid KYC Valid KYC
  • 3 months’ bank statement 3 months’ bank statement
  • Net Banking or Debit Card details to set up e-Mandate Net Banking or Debit Card details to set up e-Mandate
  • eSign/eStamp for faster disbursal eSign/eStamp for faster disbursal
Eligibility

Apply Instant Personal Loan in Delhi NCR

Minimum Salary to Apply for Personal Loan in Delhi 
 

The minimum salary required to apply for a personal loan in most cities in India is ₹20,000. However, for Delhi and Mumbai, applicants must have a minimum income of ₹25,000. It is because the standard of living in Delhi is high. Lenders demand higher salaries to safeguard their interests and ensure that you can repay the loan amount.

Interest rate and charges in Delhi for Personal Loan
 

Types of Fees Applicable Charges
Personal Loan interest rate Starting 9.99%
Processing fees Processing Fees of upto 3.5% will be deducted from the loan amount at the time of disbursal
Late payment fees 2% of the unpaid EMI or ₹300 whichever is higher. The late payment fees might be applicable from the date of default to the date of payment.
Stamp duty As per actuals

How to apply for a Personal Loan in Delhi

Step 1: Apply Online

Start in seconds by hitting the ‘Apply Now’ button.

Step 2 : Enter Details

Enter a few details and confirm your mobile number instantly.

Step 3 : Verify Your Offer

Pick the loan amount and tenure that work best for you.

Step 4 : Complete KYC

Complete your KYC from anywhere via a secure video call.

Step 5 : Disbursal

Funds are deposited in your bank account right after approval.

Once your personal loan application is approved, the Personal Loan amount will be transferred to your account. IDFC FIRST Bank’s digital process ensures you receive the financial aid you need smoothly and seamlessly.

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Popular Personal Loan FAQs

How to get a personal loan in Delhi?

You can easily apply for a personal loan in Delhi through the bank’s website or mobile app. Simply fill out the online application form, submit the required documents, and get approval in minutes. Alternatively, you can visit a branch in Delhi to apply in person.

What are the eligibility criteria to apply for a personal loan in Delhi?

To apply for a personal loan in Delhi, you must be an Indian citizen between 21 and 60 years of age with a stable income. Use a personal loan eligibility calculator to assess how factors like your credit score, monthly income, and repayment history may impact your eligibility.

How much of a personal loan can I get in Delhi?

The loan amount depends on your income and eligibility. With IDFC FIRST Bank, you can avail personal loans based on your financial profile.

What is the interest rate for personal loans in Delhi?

IDFC FIRST Bank offers competitive interest rates for personal loans, which start from as low as 9.99% p.a. The exact rate may vary based on your credit score and loan amount.

How long does it take to get a personal loan in Delhi?

Once your application is submitted and approved, the loan amount is typically disbursed within minutes, ensuring quick access to funds.

Why is IDFC FIRST Bank one of the best banks to get a Personal Loan in Delhi?

IDFC FIRST Bank Personal Loans in Delhi are valuable because you can avail:

  • · Competitive interest rates start at 9.99%.
  • · Completely digital, paperless online process.
  • · Balance transfer of existing Personal Loans and credit cards at affordable rates.

What are the documents required for a loan application?

The documents needed to apply for a Delhi loan are:

  • · PAN Card
  • · Form 60 (To be submitted if PAN card is not available)
  • · ANY 1 Official Valid Document (OVD) is mandatory from the below-mentioned documents:

    • 1. Valid Passport with an expiry date, photograph, and signature.
    • 2. Aadhaar Card issued by UIDAI.
    • 3. Voter’s Identity Card issued by the Election Commission of India.
    • 4. Driving License issued by the regional transport authority.
    • 5. Job Card issued by NREGA duly signed by an officer of the State Government.
    • 6. National Population Register containing details of name and address.

What is the online loan application process for Delhi NCR?

Here is the step-by-step process to apply for a Personal Loan in Delhi with IDFC FIRST Bank: 

Online application Download the IDFC FIRST Bank Loans app to apply for a Personal Loan in Delhi. Alternatively, you can click here to get started with the application form. Approval Your loan request will be approved if you pass the eligibility check. Upload documents Complete the verification process by uploading the documents. Disbursal The approved loan amount will be disbursed into your account within hours.                          

How much loan can I take?

The personal loan amount you can avail of depends on many factors, including your income and credit score.  

What does an EMI include?

EMI stands for equated monthly instalment. It refers to the monthly payments you make towards a loan. EMI instalments include both principal and interest payments on the loan amount.

What is the interest rate for a personal loan in Delhi?

IDFC FIRST Bank offers low-interest personal loans in Delhi, with rate starting at 9.99%% per annum, depending on your credit profile and loan tenure. 

More FAQs

Choose your personal loan amount with FIRSTmoney

₹10 Lakh Personal Loan
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₹9 Lakh Personal Loan
₹9 Lakh Personal Loan arrow
₹8 Lakh Personal Loan
₹8 Lakh Personal Loan arrow
₹7 Lakh Personal Loan
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₹6 Lakh Personal Loan
₹6 Lakh Personal Loan arrow
₹5 lakh Personal Loan
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₹4 lakh Personal Loan
₹4 lakh Personal Loan ₹4 lakh Personal Loan
₹3 lakh Personal Loan
₹3 lakh Personal Loan ₹3 lakh Personal Loan
₹2 lakh Personal Loan
₹2 lakh Personal Loan ₹2 lakh Personal Loan
₹80000 Personal Loan
₹80000 Personal Loan ₹80000 Personal Loan
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₹60000 Personal Loan
₹60000 Personal Loan ₹60000 Personal Loan
₹50000 Personal Loan
₹50000 Personal Loan ₹50000 Personal Loan

Different Types of Personal Loan for you

Travel Loan

Travel Loan

Ready to explore the world? A FIRSTmoney travel loan helps you get there, whether it’s a solo adventure or a family vacation. Cover bookings, experiences, and even last-minute surprises with ease. Enjoy fast processing, minimal paperwork, and repayment options that fit your pace.

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Wedding Loan

Wedding Loan

Weddings come with big dreams and bigger bills. Let a FIRSTmoney wedding loan take care of the costs, so you can focus on the moments that matter. From grand ceremonies to intimate celebrations, fund every beautiful detail effortlessly.

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Medical Loan

Medical Loan

Medical costs can come unannounced. But that should not have to add to your financial stress. A FIRSTmoney medical loan ensures you have immediate access to funds for treatments, tests, or emergencies. No long queues, no stress! Just timely support for your medical needs.

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Home Improvement Loan

Home Improvement Loan

Give your space the upgrade it deserves with a FIRSTmoney home renovation loan. Whether it’s new furniture, structural repairs, or a full makeover, you can renovate your home without the financial pinch. Quick approvals, easy EMIs, and no collateral required.

Know More

Personal Loan Tips & Insights: Your Guide to Smarter Borrowing

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