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Are you fatigued and exhausted with the same old daily routine of yours?

Do you like visiting new places?

Then it may just be the ‘soothing balm’ you need so desperately to heal your exhaustion and ‘recharge your batteries. 

But, irrespective of your reason for travel or the destination you would like to pack your bags to, you will need funds. These days, with so many primary expenses to address to, it’s extremely difficult for salaried individuals to put aside some of their hard-earned money exclusively in ‘travel funds’. 

Top travel loan in India

Lender	Interest rate	Processing Fees	Loan amount	Tenure
State Bank of India	9.60% onwards	1.50% of the loan	Up to Rs. 20 lakh	6 months to 6 years
HDFC Bank	10.75%	Up to 2.5% of the loan	Up to Rs. 40 lakh	1 – 5 years
ICICI Bank	11.25% onwards	Up to 2.25% of the loan	Up to Rs. 20 lakh	1 – 5 years
IndusInd Bank	11% - 16.75%	NIL	Up to Rs. 25 lakh	1 – 5 years
Tata Capital	11.25% - 14.49%	Up to 2.75%	Up to Rs. 20 lakh	1 – 6 years
Kotak Mahindra Bank	10.50% - 16.99%	Up to 2.50%	Rs. 50K – 25 lakh	1 – 5 years
Citibank	10.50% - 17.99%	0.5% - 3%	Up to Rs. 30 lakh	1 – 5 years

What do you do then? How to cover your travel expenses?

The best personal loan in the form of a travel loan is the ‘answer’ to both these questions.

Most banks and financial institutions have recognized this need and are offering travel loans such as HDFC personal loan to fulfill your dreams. Based on your income and credit rating, you can get instant approval of your chosen travel loan. With the best personal loan, you can travel anywhere in India or abroad, without pledging any collateral or security. The expenses of your entire trip will be taken care of by the HDFC personal loan amount. So, get rid of all your worries related to funds, and just choose your perfect destination to travel with your best personal loan.

 Here, we are providing a list of top 10 destinations in India, that you can travel with your best personal loan. These are not too heavy on your pocket; but are amazing enough at the same time, to make your trip absolutely unforgettable. However, you can choose your destinations depending on the time of your visit.

Rishikesh

Serenely nestled in the Himalayan foothills of the beautiful state of Uttarakhand, Rishikesh is one of the most sought-after pilgrimage destinations where people can seek solace in the lap of nature. This destination can surely be one of those places to travel with your HDFC personal loan if you want to get some peace and refresh your minds. You can be a part of numerous meditation and yoga camps available. You can also try adventurous activities like trekking, mountain biking, rock climbing, etc. You can get much affordable yet good quality hotels from prices ranging from as low as Rs 800 per night. 

Manali

Manali is one of the most beautiful places you can list among those destinations to travel with your best personal loan. It is located in the state of Himachal Pradesh at an altitude of more than 2000 meters. It has great weather throughout the year, with temperatures ranging between 12 to 25 degrees regularly. For sports enthusiasts, this place has many attractions to offer such as biking, trekking boating, etc. Surely, it’s a ‘must-add’ destination in the list of places to travel with your HDFC personal loan.

Tawang

This dream destination to visit with your best personal loan is no less than a canvas covered with snow. Tawang is located close to the border of Arunachal Pradesh with Tibet. This place is famous for the Tawang monastery which was built as a mark of respect to Lord Buddha. You would love the tranquil atmosphere in this abode of beautiful clouds. You can also have fun with activities like boating, sightseeing and enjoy the local cuisine of the state. A treat indeed, to have with your Axis personal loan.

Andaman and Nicobar Islands

If you love seas, if you love nature, then this will be the most wonderful option to visit with your best personal loan. Located in the Bay of Bengal, this is the perfect combination of pleasure and relaxation. The beaches in Andaman will give you an extraordinary experience. Do not forget to visit beaches like Bharatpur, Wandoor, Radhanagar, North Bay, etc. when you are here. Many reputed tour operators run nicely managed packages which will be covered nicely with your HDFC personal loan.

Jaipur 

Also known as the pink city, the capital of Rajasthan is famous for its architectural delights and royal monuments. If you are interested in history, this place can excite you with its many historical forts and sites and it’s a ‘must-add’ destination into the list of places to travel with your best personal loan.

This place is well-connected from all major cities in India with different travel modes. If you are crazy about shopping, this place can astonish you with its range of famous local bangles which you won’t find anywhere else. Popular ‘spots’ to visit include the Hawa Mahal, the Jantar Mantar, Ajmer Fort, City Palace and so on.

Kerala 

This state is not called ‘God’s own country’ without a reason! You must add Kerala to your list of places to travel with your ICICI personal loan if you want to know why! The most favorable time to visit this state is during the monsoon season between June and August or during the time between September and November. Some places to travel in this state with your best personal loan include Muzhappilangad beach, Padmanabhaswamy temple, Jatayupara Earth Center, Kovalam beach, and Periyar National Park.

Ladakh

Ladakh, also known as the land of high places, is the most beautiful place in Jammu and Kashmir and you won’t regret keeping this place in your list of top 10 places to visit with the best personal loan. Some of the favorite ‘spots’ to visit in this region during vacations include Zanskar Valley, Pangong Tso lake, Kargil, Nubra valley, magnetic hill, Hemis national park, etc. For bikers, this can place can be no less than a paradise. The serenity all around can give you the perfect escape route from the hustles and bustles of big cities like Delhi or Mumbai.

Kodaikanal

This place in the state of Tamil Nadu is famous for its picturesque forest valleys, grassy hills, beautiful lakes and waterfalls (not to mention the mouth-watering street foods!). Some of the most popular tourist places here include Berijam lake, Coaker's lake, Kodai lake, and Dolphins nose. Quality tour packages are available to cover these tourist spots, the cost of which will be easily covered by your HDFC personal loan.

Goa

Goa is the smallest state in India but includes a few of the most visited tourist spots of India. Its beautiful and lively beaches attract travelers from all around the globe every year. Some of the famous beaches here are Calangute beach, Anjuna beach, Baga beach, etc. You will also be able to enjoy various fun activities such as water sports in and around these beaches. Accommodation here can be a touch expensive but you do not need to worry at all if you have the best personal loan such as the HDFC personal loan at your disposal.

Pondicherry

Pondicherry, also known as Puducherry, is a Union Territory in Southern India. This place is famous for its chic boutiques and mustard-colored colonial villas.  The many tourist attractions in Pondicherry, include the Aurobindo Ashram, Rock beach, Paradise Island, Auroville, etc. You can also visit the famous street markets and buy things unique to this region. Your stay and travel costs will be easily covered by your best personal loan.

Generic eligibility criteria for a Personal Loan

Since make a travel loan is like a personal loan, they are for the most part presented for working experts in the country. A portion of the banks in the market give these loan to independently employed experts with consistent pay. The normal eligibility criteria for this loan are mentioned below:

• The candidate minimum age should be 21 years old.
• Salaried experts should be working in the current organization for at least the last 1 year.
• Your credit score should be OK to the bank. Most moneylenders favor people with a credit score of something like 700.
• Most banks offer various benefits to the salaried employed having a minimum monthly income of Rs. 20,000.

List of Required Documents

Most of the top lenders in the market offer travel loan to clients with exceptionally insignificant documentation. However, some of the documents need to be submitted while applying for a personal loan. Some of them are given below:

• Aadhaar Card
• Pan Card
• Pay confirmation (payslip or IT returns)
• Passport-sized Photos
• The specific reports needed by organizations for a personal loan might fluctuate starting with one organization then onto the next. You might really take a look at the authority site of the bank or enquire with an organization official to know the rundown of records that should be submitted.

For what reason you should be availing of a personal loan?

Following are the few benefits of applying for a personal loan:

• If you do not want to spend much on extravagance occasion costs.
• If you have a plan with your friends and family and don't wish to delay your arrangements because of a lack of funds.
• You are not willing to touch your savings, and not touch your long-term investment like fixed deposits, NSCs, and so on. You are investing into these accounts so you can boost your savings to deal with your future monetary necessities.

You are doing great professionally and sure of repaying the loan amount on time.

The footnote:

You can apply for the best personal loan through the efficient online platform of Afinoz.com. It has established tie-ups with all the major banks and NBFCs and can help you get the best personal loan including HDFC personal loans. Their team of experienced professionals will also help you with equitable comparison insights related to the best travel loans available and you can avail all these, absolutely free of cost.