Personal Loan in Gangtok
Check personal Loan Interest Rates of All Major Banks of Gangtok Instantly
Bank Name
Floating Interest rate
Processing Fee
ICICI
11.25%
2.25 % + GST
Aditya birla
14%-26% per anuum
2% of the loan amount
HDB bank
17 % to 21%
1 % to 2 %
Incred Finance
13-24%
2% to 5%
BAJAJ
11.99%
2%
FULLERTON
20% to 49%
6.50%
TATA CAPITAL
11.75%
2.5% + GST
HDFC
11.25 % - 18 %
upto 2.5 %
RBL BANK
13.99%
2.5% + GST
Kotak Mahindra Bank
10.99% to 24%
2.5 % + GST
Federal Bank
11.49 % to 14.49 %
0.50%
VINTAGE
16 % to 20 %
Nominal
IndusInd bank
11.25%
2.5% + GST
Bank of baroda
11.35% - 16.35%
2%
AXIS
10.99% to 20 %
 1.50% to 2.00% + GST
IIFL
13%
2% + GST
ABOUT PERSONAL LOAN IN GANGTOK

We aim to create a robust alternative credit ecosystem in the country. For this, we are digitizing the finance functions. Anywhere and everywhere – you can apply for a Personal Loan with just a few clicks.

Now, you can compare and make a wise choice for the best Personal Loan in Gangtok also. We bring forth a myriad of options from best banks and NBFCs for your convenience. It’s simple! Choose your desired product and win amazing assured cash backs up to Rs 5000 on loan disbursal.

Eligibility Criteria for Personal Loan in Gangtok

No worries for strict eligibility conditions. We tie-up with all the best lenders in the Gangtok and help you with flexible eligibility criteria. Salaried and Self-employed applicants – hope you meet the following eligibility parameters.

  • Salaried applicants should be between 21 to 60 years of age
  • Self-employed applicants should be between 25 to 65 years
  • Employed for a minimum period of 3 months in the current job and have previous working experience also
  • Having net monthly salary/income of Rs. 20,000
  • Business stability of at least 1 year is required

Documents Required for Personal Loan in Gangtok

We leverage existing and emerging technologies to offer you the complete digitalized process. Upload the required documents; it will take a few minutes.

Salaried Class

  • Identity Proof - Aadhaar Card /Voters ID/Passport/Driving License /PAN Card
  • Residential Proof - Leave and License Agreement/Utility Bill (maximum three months old)/Passport
  • Income Proof – Salary slips for the last three months along with the bank statement showcasing the credited salary
  • Employment Certificate – for the past 1 years
  • Photographs - Two passport size

For Self-employed

  • KYC documents – Identity & address proof and date of birth
  • Residence Proof - Leave and license agreement, utility bill (should not be more than three months old), and a copy of your passport if, you own one.
  • Income Proof – ITR for the last 1 years
  • Official Address Proof – Address proof along with your email ID and phone number
  • Business Continuity Proof – Testimonials to show your business is running from the last 1 year

Benefits & features of taking Personal Loan in Gangtok

Taking a personal loan is an indispensable decision in one’s life. At Gangtok, we have a plethora of options with added benefits. Everything is online – you don’t need to visit the bank.

Get ready to leverage the following benefits –

  1. Instant Approval – Yes. SBI, ICICI, HDFC and other players are offering instant paperless approval. Apply at Afinoz, and we will help you avail the Personal Loan at best rate.
  2. High Eligibility – Within a just few minutes, we will assess your personal loan eligibility and suggest you the best available options in Gangtok. Our process is driven by automated technologies, and we help you get low EMI Personal Loan
  3. Balance Transfer – We will make you pay your EMI easily by reducing your debt amount. Transfer your Personal Loan balance to save on money. Some lenders charge fee for a balance transfer.

Have few clicks on our EMI Calculator and get your personal loan EMI in quick time.

ABOUT GANGTOK

Gangtok is the capital of Sikkim, India. Situated in the eastern Himalayan range, Gangtok is the largest town of the state. With its beautiful scenic valleys, Gangtok is one of the major tourist hub in India. Historically, it grew as an important place after the construction of Enchey Monastery which is a Buddhist pilgrimage. The real meaning of Gangtok is lost in translation. Some of the important tourist sites in the capital are Tashi View Point, Namgyal Institute of Tibetology, Hanuman Tok, and Enchey Monastery.

ABOUT SIKKIM

The state of Sikkim is located in the north-eastern part of India. It is a small but very beautiful state with 4 districts. The capital is Gangtok, which in the southeastern part of the state. The prominent places to visit in the state of Sikkim are Tsomgo Lake, Yuksom, Nathula Pass, Ravangla, Namchi, Zuluk, Teesta river, Gangtok and Pelling to name a few. The literacy rate of the state is around 82.20%. English, Nepali, Lepcha and Sikkimese are the official languages.

In 1950, Sikkim became a protectorate and after twenty five years i.e. 1975, it became an Indian state. Despite their small size, Sikkim is of great political and strategic importance for India because of its location stretched along many borders. The area of the state is around 2,740 square miles (7096 Sq.km.) and the population is near about 607688 (as per census 2011).

Cities which Provide Personal Loan in SIKKIM
TOP LOAN PROVIDERS IN GANGTOK
ABOUT PUNJAB NATIONAL BANK, Gangtok, Sikkim

Punjab National Bank (PNB) is an Indian multinational banking and financial services company. Established in 89, it is state-owned bank. Headquartered in New Delhi, India, the bank operates through a network of zonal offices, 7 circle offices, 98 branches, and 98 ATMs. PNB also operates a banking subsidiary in the UK, as well as branches in Hong Kong, Kowloon, Dubai and Kabul and representative offices in in Almaty (Kazakhstan), Dubai (UAE), Shanghai (China), Oslo(Norway), and Sydney (Australia). PNB and other major commercial banks were nationalized on 9 July 99.

Bank Details
Product

Saving deposit accounts Current accounts Fixed deposit Capital gain account schemes Corporate banking products Working capital financing

Insurance

Life Insurance Fire Insurance Theft Insurance Health Insurance Travel Insurance Household goods & Accidental insurance

Banking

Net Banking Mobile Banking SMS Banking

Popular Product

Saving deposit accounts Current accounts Fixed deposit Capital gain account schemes Corporate banking products Working capital financing

Loans

Housing loan Car and two wheeler loan Personal loan Professional loan Education loan Mortgage loans MSME Loan Term loans Loan against future lease rentals

Cards

Rupay Credit Card Rupay Debit Card Visa Credit Card Visa Debit Card Mastercard Debit Card Mastercard Credit Card Prepaid Cards

Branches of PUNJAB NATIONAL BANK in Gangtok
ABOUT YES BANK, Gangtok, Sikkim

Yes Bank Limited is India’s fourth largest private sector bank headquartered in Mumbai, Maharashtra, India. Established in 00, the bank primarily operates as a corporate bank, with retail banking and asset management as subsidiary functions. As of March, 08, the bank had a network of ,00 branches; national operating centers; and ,7 ATMs and bunch note acceptors.

Bank Details
Product

The bank also offers retail banking solutions such as personal, secured business, home, construction equipment, car, super bike, commercial vehicle, gold loans, and loans against securities; business banking services to micro, small, and medium enterprises; and health care and printing equipment finance.

Banking

Working capital finance Term loans Corporate finance Liquidity management Salary account Fixed deposit account Savings account Ordinary account

Loans

Personal loan Secured business loan Home loan Construction equipment loan Car loan Super bike loan Commercial vehicle loan Gold loans Loans against securities MSME Loan Health care equipment finance Printing equipment finance

ABOUT INDUSIND BANK, Gangtok, Sikkim

Indusind Bank Limited is a new generation private bank. Established in 99, the bank is headquartered in Mumbai, India. It stands tall today as one of the reputed banks in the country. Indusind Bank operates more than 000 branches and over ,800 ATMs spread across the country. It also has representative offices in London, Dubai and Abu Dhabi.

Bank Details
Product

The bank provides various banking solutions to individuals, NRIs, business owners, corporate, government and financial Institutions. It operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and other Banking Operations segments. The bank offers current, savings, defense, corporate salary, and RFC accounts; and fixed deposits, recurring deposits, young saver deposits, as well as Rupee multiplier products.

Banking

Reasury Corporate/Wholesale Banking, Recurring deposits, Corporate salary, Rupee multiplier products. Retail Banking Young saver deposits, Urrent, savings, defense,and RFC accounts Fixed deposits Mutual funds My Account Number Quick Redeem Services and 0 Days banking. Choice Money ATMs Direct Connect Cash-on-Mobile Check-on-Cheque

Loans

Home loan Gold loans Business loan. Kisan loans Term loans Induind Kisan loans Loan against property Two wheeler Personal Car loan Education loan

Cards

Credit cards

ABOUT ICICI BANK LIMITED, Gangtok, Sikkim

ICICI Bank is an Indian multinational bank and financial services company. Headquartered in Mumbai, India, the bank currently has a network of ,87 branches and , 7 ATMs across India. The bank became the first Indian bank to list on the New York Stock Exchange in 000. It is India’s largest private sector bank with total consolidated assets of Rs. ,.8 billion (US$ 7. billion) as on March 08.

Bank Details
Product

Account Savings Accounts -in- Account Salary Account PayLater by ICICI Bank Pension Accounts EEFC Account Outward Remittance Child Education Plan New Pension Scheme Agri & Rural Farmer Finance Instant Gold Loan Agri Traders & Processors Agri Corporates Tractor Loan Micro Banking Forex

Insurance

ICICI Lombard ICICI Pru Heart/Cancer Protect ICICI Pru iProtect Smart Car Insurance Pradhan Mantri Jeevan Jyoti Bima Yojana

Banking

Internet Banking Mobile Banking Pockets

Popular Product

Account Savings Accounts -in- Account Salary Account PayLater by ICICI Bank Pension Accounts EEFC Account Outward Remittance Child Education Plan New Pension Scheme Agri & Rural Farmer Finance Instant Gold Loan Agri Traders & Processors Agri Corporates Tractor Loan Micro Banking Forex

Loans

Home Loan Car Loan Personal Loan Education Loan Gold Loan Loans Against Securities Commercial Business Loan Pradhan Mantri Mudra Yojana Stand-Up India Scheme Two Wheeler Loans Business Loan

Cards

Credit Card Coral Rubyx Sapphiro Emeralde Diamant MakeMyTrip Jet Airways HPCL Ferrari Manchester United Platinum Amazon Pay Unifare Metro Debit Card ICICI Bank Coral+ International Debit Card ICICI Bank Sapphiro International Debit Card ICICI Bank Rubyx International Debit Card ICICI Bank Coral Paywave International Debit Card Manchester United debit card Manchester United Coral debit card Manchester United Sapphiro Debit card Prepaid Cards Reimbursement Card Memento Gift Card PayDirect Card Pockets, the Digital bank Multi Wallet Card Gift Card Meal Card Travel Card