Ratnakar Bank Personal Loan Interest Rates
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Instant Personal Loan upto RS 20 lakh @ interest rates starting from 13% per annum.
Ratnakar Bank offers personal loans from 1 lakh to 20 lakh at interest rates of 13.00%. For take personal loan Work Experience of minimum 1 year at current employment and 3 years of total employment experience. Processing fees are up to 2.5 of loan amount + Service Tax. Ratnakar Bank disbursed loan in your account within 48 working hours. Ratnakar Bank offers Part pre-payment option to borrowers for easy repayment.
Ratnakar Bank Personal Loan Details
| Interest Rates | 12.00 – 21.00% |
| 1 Year MCLR Rate | 10.15% |
| Lowest emi per lakh for 5 years | Rs. 2224 |
| Processing Fee | 2% to 2.50% of loan amount |
| Prepayment Charges | N.A |
| Repayment | 5 Years |
| Security | Nil |
| Age Criteria | 26 – 60 |
| Loan Amount | 1 Lakh to 20 Lakh |
| Disbursal Time | 3-5 days |
| Minimum Income Per Month | 25000 |
| Customer Care | 1800 123 8040 |
Quick Apply For Personal Loan
Ratnakar Bank Personal Loan Interest Rates Details
| Salaried Personal Loans | Rate | Processing Fee |
| Loan Amount below 5 lakh | ||
| Income 25000 to <50000 per month | 21.00% | 2.5% of Loan Amount +ST |
| Income 50000 to <75000 per month | 18.00% | 2.5% of Loan Amount +ST |
| Income 75000 to <100000 per month | 17.00% | 2.5% of Loan Amount +ST |
| Income 100000+ per month | 16.50% | 2.5% of Loan Amount +ST |
| Loan Amount above 5 lakh | ||
| Income 25000 to <50000 per month | 18.00% | 2% of Loan Amount +ST |
| Income 50000 to <75000 per month | 17.00% | 2% of Loan Amount +ST |
| Income 75000 to <100000 per month | 16.00% | 2% of Loan Amount +ST |
| Income 100000+ per month | 15.50% | 2% of Loan Amount +ST |
Ratnakar Bank Personal Loan Documents
Identity Proof – Passport, photo pan card, driving license, votes id card, photo ration card
Address Proof – Passport, telephone bill, ration card, electricity bill, driving license, life/medical insurance policy, rental agreement, apartment allotment letter
Example of Personal Loan EMI Calculator
Pre calculated emis for personal loan as per loan amount, interest rates and tenure.
| Loan Amount (Rs.) | Interest Rates % | 1 Years | 2 Years | 3 Years | 5 Years |
| 100,000 | 15.50% | Rs. 9,049 | Rs. 4,872 | Rs. 3,491 | Rs. 2,405 |
| 200,000 | 16.00% | Rs. 18,146 | Rs. 9,793 | Rs. 7,031 | Rs. 4,864 |
| 400,000 | 15.50% | Rs. 36,198 | Rs. 19,490 | Rs. 13,964 | Rs. 9,621 |
| 500,000 | 16.00% | Rs. 45,365 | Rs. 24,482 | Rs. 17,579 | Rs. 12,159 |
| 700,000 | 15.50% | Rs. 63,346 | Rs. 34,107 | Rs. 24,437 | Rs. 16,837 |
| 10,00,000 | 15.50% | Rs. 90,494 | Rs. 48,725 | Rs. 34,911 | Rs. 24,053 |
Ratnakar Bank Personal Loan Branch Address
| Location | Branch Address |
| Rajouri Garden Branch | # J-13/52, Rajouri Garden, New Delhi, 110027 |
| Pitampura Branch | 4, Kapil Vihar, Kohat Enclave, Pitampura New Delhi, 110034 |
| Karol Bagh Branch | # 17A/53, Ground Floor, WEA Karol Bagh, Guradwar Road, New Delhi, 110005 |
| Capital Court Branch | # 14-15, DLF Capitol Point, Baba Kharg Singh Marg, New Delhi, 110001 |
| Vasant Vihar Branch | 23, Basant Lok Market, Community Centre, Vasant Vihar, New Delhi, 110057 |
| Chandani Chowk Branch | 450-454, Kucha Brij Nath, Chandni Chowk Delhi, 110006 |
| Hauz Khas Branch | # M-6, Hauz Khas, New Delhi, 110016 |
| Vikas Marg | 6, Shankar Vihar, Vikas Marg, New Delhi, 110092 |
| Gurgaon | #2, ABW Tower, Iffco Chowk, Village Sukhrauli, Gurgaon, Haryana, 122002 |
| Noida | #P/7, Sector 18, Noida Uttar Pradesh, 201301 |
| Faridabad | SHOP NO.G-01 TO G-05 AND G-09 TO G-10 SCO NO.101, SECTOR-16 Faridabad Haryana, 121002 |