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Instant Personal Loan in Hyderabad Up To ₹10 Lakhs
Withdraw instant funds with EMI starting at ₹2,214 per lakh
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Personal Loan EMI Calculator
Loan amount
₹100K
₹10L
Loan term in months
9 Months
60 Months
Choose the Interest Rate
9.99%
38 %
Your EMI will be
₹2,174/Lakh
*Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply
Personal Loan in Hyderabad
Hyderabad, the "City of Nawabs", is a thriving hub for students and professionals with its rich culture, affordable living, and growing opportunities. While the cost of living is lower than other metros, relocating to the city can still involve significant expenses. A personal loan in Hyderabad can help cover costs like rent deposits and home setups without draining your savings. Whether you're moving for work, education, or a fresh start, a personal loan ensures a smooth transition into your new life in this vibrant city.
Features of Instant Personal Loan in Hyderabad
Low Interest Rate
Access affordable personal loans with interest rates as low as 9.99% p.a.
100% Digital Process
No queues, no paperwork, just a smooth digital loan application.
ZERO Foreclosure Charges
Pay off your loan balance anytime—free of foreclosure costs.
Instant Disbursal
Quick approval, quicker disbursal—funds in just half an hour.
No Collateral Required
Access funds freely—no collateral or guarantor needed.
Flexible Repayment
Repay at your pace with multiple tenure and EMI date options.
Eligibility Criteria for a Personal Loan in Bengaluru
Who Can Apply?
- For Salaried Individuals:
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- For self-employed individuals
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Documentation
When self-employed or salaried individuals want to avail of a personal loan in Bengaluru, they will need to submit the following documents:
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Minimum salary to apply for a Personal Loan in Hyderabad
The minimum salary an individual needs when applying for a loan in any part of India is ₹20,000. It applies to every state in the country, barring Mumbai and Delhi, where the minimum salary requirement is ₹25,000. Hence, to apply for a personal loan in Hyderabad, an individual must make ₹20,000 per month.
Personal Loan interest rate in Hyderabad
| 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 |
IDFC FIRST Bank's instant personal loan in Hyderabad is one of the quickest and easiest ways to receive financial support when you need it. With a simple process and fast disbursal, you can instantly fulfil your financial requirements.
How to apply for a Personal Loan in Hyderabad
Step 1: Apply Online
Begin by clicking on Apply Now—it’s quick and easy.
Step 2: Enter Details
Share the required information and complete mobile verification.
Step 3: Verify Your Offer
Review your personalised loan offer and continue.
Step 4: Complete KYC
Verify your identity using PAN card in a quick video KYC.
Step 5: Disbursal
Receive the chosen loan amount straight into your bank account.
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Popular Personal Loan FAQs
What is the maximum loan amount I can avail through an IDFC FIRST Bank personal loan in Hyderabad?
You can avail a personal loan of up to ₹10 lakhs in Hyderabad, depending on your eligibility. The final loan amount depends on factors like your income, credit score, and repayment capacity.
What are the eligibility criteria for applying for a personal loan in Hyderabad?
To apply for a personal loan in Hyderabad, you need to be an Indian resident, aged between 21 and 60 years if you are a salaried individual and 21 to 65 years if you are a self-employed individual. You should have a stable source of income and a good credit score. Factors like income, job stability, and repayment history are also considered.
What documents are required to apply for a personal loan in Hyderabad?
You will need to submit proof of identity (Aadhaar card/PAN card), proof of address (utility bills/rent agreement), proof of income (salary slips/bank statements), and passport-sized photographs. Additional documents may be requested during the loan process.
How long does it take to get approval for a personal loan in Hyderabad?
Once your application is complete, loan approval can happen within minutes, allowing for quick access to funds.
What is the interest rate on IDFC FIRST Bank personal loans in Hyderabad?
The interest rates for IDFC FIRST Bank personal loans start from as low as 9.99% p.a., depending on your credit profile, income, and loan amount.
What is an EMI?
An equated monthly instalment (EMI) is a pre-determined monthly payment made by a borrower to a lender on a pre-determined date each month. EMIs include both interest and the principal amount. With every personal loan EMI payment, your principal and interest keep decreasing.
What are the fees and other charges?
The following charges apply to instant personal loans in Hyderabad:
- • The bank will levy an EMI bounce charge of 400.
- • Cancellation/rebooking charges stand at 1% of the loan amount + interest from the date of disbursal till receipt of cancellation request. It is to be received within 30 days of the loan booking date or the 1st EMI payment date, whichever is earlier.
- • Foreclosure charges are fixed at 5% of the loan amount. Foreclosure/prepayment of the loan is possible anytime during the loan tenure after payment of 12 or more EMIs.
What is my loan interest rate?
IDFC FIRST Bank offers an interest rate starting at 9.99%. It is among the most competitive in the market.
How much processing fee should I pay for a personal loan?
A processing fee of up to 3.5% is deducted at the time of disbursal. If the loan amount is less than one lakh, a flat rate of ₹2999 is charged.
How do I pay my EMI?
Paying your EMI is simple. Once the personal loan is disbursed into your account, the lender automatically deducts the EMI amount from your account every month. You must ensure you have sufficient funds in your account on your due date.
What will be my loan repayment period?
Depending on the principal and the EMI amount, the loan repayment period will be between one and five years.
What is the interest rate for a personal loan in Hyderabad?
IDFC FIRST Bank offers low-interest personal loans in Hyderabad, with rate starting at 9.99% per annum, subject to your credit profile and loan tenure.
Choose your personal loan amount with FIRSTmoney
Different Types of Personal Loan for you
Travel Loan
Make your travel dreams a reality without dipping into your savings. A FIRSTmoney travel loan covers all expenses – flights, hotels, local travel, and more. With instant approvals, minimal documentation, and flexible EMIs, your next adventure is only a few steps away.
Wedding Loan
Plan your perfect wedding, your way. A FIRSTmoney wedding loan lets you handle everything—venue, outfits, photography, and beyond, without financial stress. Get fast access to funds and focus on creating unforgettable memories.
Medical Loan
In times of health-related uncertainty, FIRSTmoney is here to support you. A medical loan helps cover surgery, tests, or treatments with quick disbursal and zero collateral. Because peace of mind should never be out of reach.
Home Improvement Loan
Small changes or big renovations, do it all with a FIRSTmoney home renovation loan. Whether you’re redesigning a room or fixing what’s broken, we provide simple financing with fast approvals and flexible terms to suit your goals.
Personal Loan Tips & Insights: Your Guide to Smarter Borrowing
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