Personal Loan in Gujarat 2026 – Interest Rate, Eligibility, EMI Calculator & Documents Guide

 

 Introduction

આજના સમયમાં emergency expense, medical bill, marriage, education અથવા business માટે ઘણા લોકો Personal Loan લે છે. Personal Loan unsecured loan હોય છે એટલે collateral આપવાની જરૂર નથી.

આ guide માં આપણે સમજશું:

Interest Rate કેટલો છે?

Eligibility શું છે?

Minimum CIBIL Score કેટલો જોઈએ?

EMI કેવી રીતે calculate કરવી?

Documents શું જરૂરી છે?

📊 Personal Loan Interest Rate 2026 (India Banks Comparison)

Bank Name

Interest Rate (Approx)

Processing Fee

Tenure

SBI

10.50% – 14%

1%

Up to 6 Years

HDFC Bank

10.75% – 18%

2.5%

Up to 5 Years

ICICI Bank

10.85% – 16%

2%

Up to 5 Years

Axis Bank

11% – 17%

2%

Up to 5 Years

⚠️ Interest rate CIBIL score અને income પર depend કરે છે.

📌 Eligibility Criteria

Personal Loan માટે સામાન્ય રીતે:

Age: 21 to 60 years

Salary: ₹15,000+ per month

Stable Job or Business

CIBIL Score: 700+ recommended

Higher CIBIL score → Lower Interest Rate.

📄 Required Documents

Salaried Person:

Aadhaar Card

PAN Card

Salary Slip (Last 3 months)

Bank Statement (Last 6 months)

Self Employed:

ITR Copy

Business Proof

Bank Statement

🧮 EMI Calculation Example

Example:

Loan Amount = ₹2,00,000

Interest Rate = 12%

Tenure = 3 Years

Approx EMI ≈ ₹6,640 per month

(Exact EMI bank calculator થી check કરો)

✅ Advantages of Personal Loan

No collateral required

Fast approval

Flexible usage

Online apply facility

❌ Disadvantages

High interest compared to secured loan

Processing fee

Prepayment charges

📌 How to Increase Approval Chance?

CIBIL score 750+ રાખો

Existing loan ઓછું રાખો

Credit card bill timely pay કરો

Multiple loan inquiry avoid કરો

❓ FAQ Section (Very Important for SEO)

Q1: Minimum CIBIL score કેટલો જોઈએ?

700+ recommended. 750 ઉપર best rate મળે.

Q2: Personal Loan approval કેટલા દિવસમાં થાય?

Online apply કરશો તો 24–48 hours માં approval મળી શકે.

Q3: Processing fee refundable છે?

Generally refundable નથી.

Q4: Prepayment charges કેટલા હોય છે?

Bank મુજબ 2–5% હોઈ શકે.

Personal Loan emergency માં useful છે, પરંતુ interest rate compare કર્યા વગર apply ન કરો. Always EMI affordability check કરો.