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Personal loan in Gurgaon up to ₹15 lakhs
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Personal Loan EMI Calculator
Your EMI will be
₹5,072/month*
Total Interest Payable
₹43,435
Total Amount Payable
₹2,43,435
Check your eligibility
Personal loan calculator is only for illustration purposes. For actual calculations refer to your Repayment Schedule & Loan Agreement.*T&C Apply. **For select loan amounts
What is a personal loan in Gurgaon?
A personal loan in Gurgaon is an Unsecured loan that provides quick access to funds without requiring any collateral. Both salaried and self-employed residents across Cyber City, Golf Course Road, or anywhere in Gurugram can apply. With IDFC FIRST Bank's FIRSTmoney personal loan, get up to ₹15 lakhs through a 100% digital process and receive funds in 10 minutes after approval.
Why Gurgaon residents may need personal loans?
Gurgaon offers strong earning potential, while also being one of India's most expensive cities. Finding a 1BHK in prime areas such as Sector 56 or DLF Phase costs anywhere between ₹20,000 and ₹28,000 per month, with a 3-month security deposit of ₹60,000 to ₹90,000 required upfront.
A family of four can incur monthly expenses ranging from ₹1.4 to ₹2.5 lakhs per month, including rent and school and private institutions' fees of ₹20,000 to ₹40,000 per month. Add the cost of monthly bills and transport, which can occasionally create cash flow requirements.
As one of India's leading corporate hubs, Gurgaon also home to professionals working at Fortune 500 companies across Cyber City, Udyog Vihar and Golf Course Road. Staying closer to these areas involves high lifestyle costs and rental advances. Along with regular expenses, managing recurring international travel, upscale weddings, home upgrades, medical costs, etc., may require additional help. An instant personal loan in Gurgaon helps meet such financial needs.
Why Gurgaon residents take personal loans
Gurgaon residents typically consider a personal loan in the following scenarios:
• Rental deposits:
Upfront payment of 3-month deposits when moving to DLF Phase, Sohna Road, or sectors along the Golf Course Road.
• International travel:
Covering the cost of vacation in Europe, Southeast Asia, the US, and other popular destinations booked during seasonal sales without delaying travel plans.
• School admission fees:
Paying the lump-sum mid-year admission fees at premium schools such as Delhi Public School, GD Goenka or Pathways.
• Medical expenses:
Emergency diagnosis and treatment costs at premium hospitals such as Medanta, Fortis or Artemis.
• Bridging salary gap:
Bridging the gap between job switch and the first salary credit, a common short-term financial challenge in Gurgaon's high-mobility job market.
• Weddings & family events:
Paying around ₹8-15 lakhs for a 200-person gathering at premium venues often requires a personal loan for weddings and events in Gurgaon.
• Home renovation:
From a kitchen remodel to a flooring upgrade, a personal loan is considered for home renovation in gated society apartments across Gurgaon costing around ₹3 to 8 lakhs.
• Home office setup:
Gurgaon residents also choose a personal loan to fund their full-time remote or hybrid work setup with laptop, furniture, fibre upgrades, and other essentials.
Why choose FIRSTmoney personal loan in Gurgaon?
FIRSTmoney personal loan in Gurgaon serves as an attractive option owing to value-added features such as:
No collateral required
Get access to funds without pledging any asset or security. You qualify based on your age, income stability, credit profile, and repayment capacity.
100% digital process
No navigating the hectic traffic across the bustling city to reach the bank branch. Apply from anywhere in Gurgaon through a fully digital process.
Funds in 10 minutes
Based on your eligibility, get approved in 5 minutes and receive funds within 10 minutes in your bank account.
9 to 60 months tenure
You can stretch EMIs on the FIRSTmoney personal loan in Gurgaon based on your repayment comfort with a flexible tenure range.
Zero foreclosure charges
Close the loan early as you receive an annual bonus, increment, or other additional income with zero foreclosure chargesand no lock-in period.
Personal loan eligibility and documents for Gurgaon residents
Personal loan eligibility
To apply for a personal loan in Gurugram, you'll need to meet the following personal loan eligibility criteria:
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Personal loan documents required
You can apply for a personal loan in Gurgaon with IDFC FIRST Bank through video KYC. You only need:
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How to choose the lowest interest personal loan in Gurgaon?
A few cautious steps before applying for an instant loan in Gurgaon can help you get an appealing interest rate offer.
Compare interest rates
Review the interest rate offers across personal loan providers in Gurgaon to find competitive quotes.
Check overall borrowing cost
Beyond the interest rate, review processing fees, late payment fees, EMI bounce charges, and other applicable charges to understand the total cost of the loan.
Read the loan terms
The interest rate and your overall repayment experience are also affected by the terms pertaining to tenure, loan amount, foreclosure, and other aspects of the personal loan.
Use an EMI calculator
Estimate your monthly repayments with EMI calculators on lenders' websites that are pre-adjusted based on the loan offer.
Consider eligibility criteria
Lenders assess different eligibility parameters to determine if you can qualify for the competitive interest rate offered.
Personal loan interest rates and charges
| Types of Fees | Applicable charges |
| Interest rate | Starting at 9.99% p.a. |
| Processing fees | 0% to 3.5% of the loan amount with zero processing fee on select loan amounts. |
| Late payment charges | 2% of the unpaid EMI or ₹300, whichever is higher, calculated from the date of default until the payment is cleared. |
| Foreclosure charges | Zero foreclosure charges |
| Part-payment fee | Part payment is allowed with zero charges and no lock-in period. |
| Stamp duty | As per Haryana's Stamp Act |
| EMI bounce charges | 12% of the bounced EMI amount (minimum: ₹400 and maximum: ₹1,000) |
Sample EMI calculation
Here's an indicative EMI for a personal loan in Gurgaon at an interest rate starting from 9.99 p.a.:
| Loan amount | Tenure | EMI per month |
| ₹5 lakh | 24 months | ₹23,070 |
| ₹10 lakh | 24 months | ₹46,140 |
How to apply for a personal loan in Gurgaon?
Step 1
Click on “Apply Now”
Step 2
Register using basic details
Step 3
Choose your loan preferences including amount and EMI plan
Step 4
Link your bank account where you want to receive the funds
Step 5
Complete video KYC by showing your physical PAN card
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Do's & don'ts while applying for a personal loan in Gurgaon
Do's
- Choose a repayment tenure that complements your monthly budget while considering the total interest outgo
- Check and work on your credit score before applying
- Update your documents before initiating the video KYC process
- Read the sanction details carefully before accepting the loan offer
- Keep a repayment buffer for unexpected expenses
Don’ts
- Don't reach the maximum eligible limit unless necessary
- Don't rush into the first loan offer without comparing lenders
- Don't ignore EMI payment reminders
- Don't submit incorrect or outdated information during the application
- Don't make repayment commitments that stretch your monthly budget
- Don't apply if you're unsure of your repayment capacity
Things to know about getting a personal loan in Gurgaon
Loan amount
You can apply for a personal loan amount ranging from ₹50,000 to ₹15 lakh, subject to your eligibility and repayment capacity with FIRSTmoney. Meet a range of financial requirements without compromises.
Repayment flexibility
You can select an EMI that aligns with your monthly repayment comfort with an expansive tenure range of 9 to 60 months with FIRSTmoney. Consider your monthly budget and the impact of tenure on the total interest outgo to strike the right balance.
Interest rate
The FIRSTmoney instant personal loan in Gurgaon comes with interest rates starting from 9.99% p.a. or 0.83% p.m. Meet the age, income, and credit score requirements to qualify for the lowest interest rate.
Loan journey
From the stage of checking your eligibility to completing the document verification, the entire FIRSTmoney application process is digital. No branch visits are required at any stage of your borrowing and repayment journey.
Planning tools
You can check your eligibility and plan your repayment with convenient tools like FIRSTmoney personal loan eligibility and EMI calculators online. No second-guessing the possibilities with an instant loan in Gurgaon.
Tips to smartly use an instant personal loan in Gurgaon
Tip 1
Prioritise planned expenses
Use a personal loan for a clear purpose, such as rental deposits, home improvements, medical emergencies, education, and more. Avoid considering it for discretionary spending.
Tip 2
Keep part of the borrowed funds as contingency
If you are meant to cover a larger project or expense with the loan amount, maintain a small buffer to meet unexpected expenses. Alternatively, you can repay the borrowed amount and get on-demand loans without a fresh application against the approved offer.
Tip 3
Review your repayment progress periodically
Track your outstanding loan balance and repayment schedule so you can readjust your monthly budget as required throughout the loan tenure.
Frequently Asked Questions
What is the minimum salary required for a personal loan in Gurgaon?
You can apply for a FIRSTmoney instant loan in Gurgaon with a salary as low as ₹10,000.
Can I apply for a personal loan in Gurgaon without visiting a branch?
Yes, as the application process is fully digital for FIRSTmoney, you don't need to visit a branch for a personal loan in Gurgaon.
How fast are the funds disbursed for a personal loan in Gurgaon?
The funds are disbursed in 10 minutes after approval to meet your financial needs swiftly in Gurgaon.
Choose your personal loan amount with FIRSTmoney
Different Types of Personal Loan for you
Home Improvement Loan
Are you dreaming of enhancing your home? Whether it's renovating the kitchen, installing modern storage, or revamping the interiors, FIRSTmoney's personal loan turns your dreams into reality. With a quick digital application process, competitive interest rates, and flexible repayment terms, transforming your home into a chic and cosy space is easy.
Instant Cash Loan
Unforeseen expenses like sudden repairs, family events, or unscheduled buys may spring up at any moment. FIRSTmoney's instant cash loan provides you instant cash without collateral or long documentation. The application process is completely online with fast approvals and same-day disbursal. The transparent terms, flexible EMIs, and no pre-closure charges make it a trusted choice when unanticipated expenses crop up.
Emergency Personal Loan
Medical expenses, spontaneous trips, or urgent payments may put a strain on your finances. FIRSTmoney's travel personal loan for emergency needs offers same-day approvals and quick fund disbursal. With competitive interest rates, flexible repayment terms, and no foreclosure fee, you can finance emergencies without touching your savings.
Travel Personal Loan
Are you planning your next vacation? FIRSTmoney's travel loan finances international travel, local vacations, or luxury indulgences without hassle. Whether flights, accommodations, shopping, or sightseeing, the loan provides financial flexibility to allow you to concentrate on making memories. The application is 100% digital for seamless approvals and instant fund access.
Wedding Personal Loan
Grand celebrations usually translate to grand expenses. With FIRSTmoney's wedding loan, you can plan everything, venues, decorations, photography, and more, without worrying about money. The 100% online process comes with instant approvals and disbursals. With tenures from 9 to 60 months and attractive interest rates, you can celebrate your special day without compromise.Avail Low Interest Personal Loans in Your City
Apply for a Personal Loan online in select major cities and get quick access to the funds you need. Enjoy a seamless digital process from application to approval, with minimal documentation. Get the loan amount credited to your account effortlessly and meet your financial needs with ease.
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