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Loanzzones is one of  Hyderabad’s leading online loans service provider led by a team of techno-financial experts working on a mission to deliver simplicity, transparency, and convenience the way people borrow money. Loanzzones state-of-the-art, home-grown technology platform enables online delivery of loans and associated services to clients with speed and transparency.

Loanzzones run by professionals who have strong experience in the financial services sector aims to create availing loan simple to all segments and make a positive impact on the lives of millions of Indians engaged in thier activities and who construct the nation. We’re delivering financial solutions to those who needed it the most. We’re incredibly pleased to be related to the category of consumers.

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Loan Comparison Table

Home Loan Provider Home Loan Interest rate Processing Fee
HDFC Ltd. 7.35% onwards Up to 0.5% of loan amount or Rs. 3,000, whichever is higher
State Bank of India 7.35% onwards 0.35% – 0.50% of loan amount (Min. Rs. 2,000; Max. Rs. 10,000)
LIC Housing Finance Ltd. 7.50% onwards As applicable
IDFC Bank 7.75% onwards Up to Rs.10,000
Kotak Mahindra Bank 7.35% onwards Up to 2% of loan amount
ICICI Bank 7.45% onwards 1.00% – 2.00% of loan amount or Rs. 1,500 (Rs. 2,000 for Mumbai, Delhi & Bangalore), whichever is higher
PNB Housing Finance Ltd. 8.60% onwards Up to 1% of loan amount
Axis Bank 7.75% onwards Up to 1% of loan amount (Min. Rs. 10,000)
Shinhan Bank 7.25% onwards Up to 1% of loan amount
Tata Capital 9.25% onwards 0.50% of loan amount
Standard Chartered Bank 8.86% onwards Up to 1% of the loan amount
YES Bank 9.85% onwards 2% or Rs. 10,000, whichever is higher

 

*The interest rates provided above are of key Banks and Housing Companies Operating in India, indicative and liable to change periodically.

Loan Against Property Provider    Loan Against Property Interest rate     Processing Fee
HDFC Ltd. 9.50% onwards Up to 1.50% of loan amount or Rs. 4,500, whichever is higher
Shinhan Bank 8.60% onwards 1% of loan amount
Kotak Mahindra Bank 9.60% onwards Up to 3% of loan amount
ICICI Bank 9.80% onwards 1% of loan amount
Bajaj Finserv 10.10% onwards Up to 1.5% of loan amount
PNB Housing Finance Ltd. 10.25% onwards Up to 2% of loan amount
Tata Capital 10.50% onwards Up to 2% of loan amount
LIC Housing Finance Ltd. 11.30% onwards 1% of loan amount
Axis Bank 11.35% onwards Rs. 10,000 or 1% of loan amount, whichever is higher

*The interest rates provided above are of key Banks and Housing Companies Operating in India, indicative and liable to change periodically.

Bank/NBFC/Fintech Loan Amount (Min.-Max.) in Rs.  Repayment Tenure (Months) Interest Rate (p.a.)
Bajaj Finserv 3 lakh 20 lakh 12 – 48 18% onwards
Capital First Prime 1 lakh 9 lakh 12 – 36 21% onwards
FlexiLoans 50,000 1 crore 12 – 36 18% onwards
Fullerton Finance 1 lakh 50 lakh 12 – 48 17% onwards
HDB Financial Services Ltd. 75,000 30 lakh 12 – 60 18% onwards
HDFC Bank 1 lakh 75 lakh 12 – 48 13% onwards
ICICI Bank 1 lakh 40 lakh 6 – 48 13% onwards
Indifi Finance 50,000 50 lakh 12 – 36 18% onwards
Kotak Mahindra Bank 5 lakh 75 lakh 6 – 48 16% onwards
Lendingkart Finance 50,000 1 crore 3 – 36 18% onwards
NeoGrowth Finance 2 lakh 10 lakh 6 – 24 21% onwards
RBL Bank 2.5 lakh 20 lakh 12 – 36 18% onwards
Tata Capital Finance 1 lakh 30 lakh 12 – 36 18% onwards

 

Note: The mentioned interest rates, fees and charges are subject to change and depend on the sole discretion of the bank, NBFC and RBI.

Bank Interest Rates
(per annum)  
Processing Fees
(Rs.)
Partial Pre-payment Restrictions Minimum Foreclosure
Period
Foreclosure/Prepayment Charges
(Rs.)
Axis Bank 12-24% Up to 2% of the loan amount No charges for part prepayment As per the loan agreement Nil
Bajaj Finserv 12.99% onwards Up to 4.13% of the loan amount l Part prepayment amount must be 3 times of monthly EMI
l No charges if less than 25% of the principal outstanding is prepaid in a year
l Charges levied on the amount prepaid over and above 25% of the principal outstanding
As per the loan agreement 4% of principal outstanding amount
HDFC Bank 10.75-21.30% Up to 2.5% of the loan amount l Part prepayment allowed after repayment of 12 EMIs
l It is allowed up to 25% of principal outstanding
l Allowed only once in a FY and twice during the loan tenure
After repayment of 12 EMIs Nil
ICICI Bank 11.25% onwards Up to 2.25% of the loan amount Not Allowed Anytime during the loan tenure 5% of the principal outstanding
IDFC First 10.75% onwards Up to 3.5% of the loan amount Part prepayment up to 40% of loan amount is allowed every year on IDFC Smart Personal Loan After payment of first 3 EMIs 5% of the principal outstanding
IndusInd Bank 11% onwards Up to 2.5% of the loan amount Not Allowed After 12 months for salaried clients and after 6 months for self-employed clients 4% of the principal outstanding
Kotak Mahindra Bank 10.75 onwards Up to 2.5% of the loan amount Allowed, however, lock in period fro part prepayment is not specified After lock in period of 12 months 5% of the principal outstanding, if foreclosed after 12 months

6% of the principal outstanding, if foreclosed before 12 months

Punjab National Bank 8.8% to 11.65% 1% of the loan amount Can be done anytime during the loan tenure Anytime during the loan tenure Nil
RBL Bank 14-23% Up to 4% of the loan amount As per loan agreement 1 year after the first EMI 5% of the principal outstanding, if foreclosed b/w 13-18 months 3% of the principal outstanding, if foreclosed after 18 months Nil, if foreclosed using your own funds after 12 EMIs
Standard Chartered Bank 11.00% onwards Up to 2.5% of the loan amount As per loan agreement After repayment of 12 EMIs Up to 5% of the principal outstanding
TATA Capital 10.99% onwards Up to 2.75% of the loan amount l Allowed after 6 months
l Can be done only once a year
l Minimum gap between 2 part prepayments is 6 months
l Charges: 2.5% if more than 25% of principal outstanding is prepaid, otherwise nil.
After 6 months of loan tenure 4.5% of the principal outstanding
Yes Bank 10.75% onwards Up to 2.5% of the loan amount l Allowed after 12 EMI payouts
l Part prepayment charges: 2% of part prepayment amount
After 12 EMI payouts Nil to 4% of the outstanding principal on the basis of tenure

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