{"id":1424,"date":"2020-12-24T13:35:17","date_gmt":"2020-12-24T13:35:17","guid":{"rendered":"http:\/\/www.goodwillexchange.ae\/blog\/?p=1424"},"modified":"2020-12-24T13:35:19","modified_gmt":"2020-12-24T13:35:19","slug":"how-to-get-a-lower-interest-rate-on-a-personal-loan-in-india","status":"publish","type":"post","link":"https:\/\/www.goodwillexchange.ae\/blog\/2020\/12\/how-to-get-a-lower-interest-rate-on-a-personal-loan-in-india\/","title":{"rendered":"How to get a lower interest rate on a personal loan in India?"},"content":{"rendered":"\n<p><a href=\"https:\/\/www.goodwillexchange.ae\/blog\/category\/loans\/\" data-type=\"URL\" data-id=\"https:\/\/www.goodwillexchange.ae\/blog\/category\/loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">Personal loan<\/a>: According to RBI data, the share of personal loan grew to around 24% in total credit disbursed. Such statistics show the overall popularity of personal loans in India, which can enable borrowers to finance big-ticket expenses, both personal and professional.\u00a0<\/p>\n\n\n\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\n<!-- Links Ads- Horizontal -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0548205572604330\"\n     data-ad-slot=\"9920129301\"\n     data-ad-format=\"link\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\n<ins class=\"adsbygoogle\"\n     style=\"display:block; text-align:center;\"\n     data-ad-layout=\"in-article\"\n     data-ad-format=\"fluid\"\n     data-ad-client=\"ca-pub-0548205572604330\"\n     data-ad-slot=\"1456790708\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n\n\n\n\n<p>For example, such credits can assist one to fund weddings, vacations, education, business expansion, and much more. Still, acquiring the\u00a0<a href=\"https:\/\/www.bajajfinserv.in\/insights\/4-ways-to-get-the-best-personal-loan-rate\" target=\"_blank\" rel=\"noreferrer noopener\">best personal loan interest rates<\/a>\u00a0is critical, regardless of the underlying reason for borrowing.<\/p>\n\n\n\n<p>Thus, potential borrowers should keep a few tips in mind when availing such a loan. Doing so may lead to lower and more affordable repayments.<\/p>\n\n\n\n<p><strong>Ways to acquire personal loans at low rates of interest&nbsp;<\/strong><\/p>\n\n\n\n<p>To acquire a low interest personal loan, ensure you follow the tips mentioned below.<\/p>\n\n\n\n<ul><li><strong>Practice healthy financial habits for an improved CIBIL score<\/strong><\/li><\/ul>\n\n\n\n<p>Financial institutions look for credit ratings of 750 or more when approving personal loan requests. If your score is lower than this, you may still acquire the credit but at significantly higher rates. To ensure the best personal loan interest rates, try to maintain a score around 800 or more.&nbsp;<\/p>\n\n\n\n<p>Note that getting a personal loan with a poor credit score is possible, but at higher rates and compromised terms of service. You may thus want to adopt healthy financial practices such as making timely repayments, keeping the FOIR under 50%, availing a balanced mix of credit, etc.<\/p>\n\n\n\n<ul><li><strong>Opt for an extended tenure<\/strong><\/li><\/ul>\n\n\n\n<p>Even though you may want to clear your existing dues as soon as possible, opting for the best personal loan with a short tenure can limit your chances to lower interest rates. A short tenure involves increased risk for your lending institution, as the higher EMIs strain your repayment capacity, increasing the chances of default.&nbsp;<\/p>\n\n\n\n<p>Thus, if you want to enjoy the lowest rates, always opt for extended repayment periods that help bring down your EMIs significantly.<\/p>\n\n\n\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\n<!-- Links Ads- Horizontal -->\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-client=\"ca-pub-0548205572604330\"\n     data-ad-slot=\"9920129301\"\n     data-ad-format=\"link\"\n     data-full-width-responsive=\"true\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\n<ins class=\"adsbygoogle\"\n     style=\"display:block; text-align:center;\"\n     data-ad-layout=\"in-article\"\n     data-ad-format=\"fluid\"\n     data-ad-client=\"ca-pub-0548205572604330\"\n     data-ad-slot=\"1456790708\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n\n\n\n\n<ul><li><strong>Compare rates before submitting your personal loan application<\/strong><\/li><\/ul>\n\n\n\n<p>It is one of the simplest ways to avail the best personal loan interest rate. Check the available rates online from the various lenders to acquire the best available deal. When you locate the financial institution offering the most affordable personal loan rates, check the eligibility criteria for that lender as well before sending in your application.&nbsp;<\/p>\n\n\n\n<p>Also, arrange some of the most important documents required while applying for a personal loan for hassle-free approval.&nbsp;<\/p>\n\n\n\n<p>Thus, besides a\u00a0<a href=\"https:\/\/www.bajajfinserv.in\/insights\/everything-you-need-to-know-about-your-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">good CIBIL score<\/a>, rate comparison is another necessary aspect you must focus on before a credit application.<\/p>\n\n\n\n<ul><li><strong>Seek pre-approved offers<\/strong><\/li><\/ul>\n\n\n\n<p>Pre-approved offers from NBFCs, such as Bajaj Finserv, ensure a simplified and quick lending process. These offers are available on a range of financial products, such as <a href=\"https:\/\/www.goodwillexchange.ae\/blog\/category\/loans\/\" data-type=\"URL\" data-id=\"https:\/\/www.goodwillexchange.ae\/blog\/category\/loans\/\" target=\"_blank\" rel=\"noreferrer noopener\">personal loans, business loans<\/a>, and more. You can check your pre-approved offer by submitting a few essential details, including your full name and phone number.\u00a0<\/p>\n\n\n\n<p>Generally, such offers also tend to help individuals acquire the most attractive terms on their loans, including interest rates.<\/p>\n\n\n\n<ul><li><strong>Leverage your employer\u2019s credibility<\/strong><\/li><\/ul>\n\n\n\n<p>Government employees and those working in MNCs are more likely to acquire personal loans at the best rates when compared to others who are employed otherwise. They can thus utilise such credentials to negotiate for a better rate.<\/p>\n\n\n\n<ul><li><strong>Utilise relationship with your lender<\/strong><\/li><\/ul>\n\n\n\n<p>If you carry a history of credit repayment with a <a href=\"http:\/\/moneyexchangenews.com\/top-20-money-exchange-companies-in-uae-which-provides-best-exchange-rates\/\" data-type=\"URL\" data-id=\"http:\/\/moneyexchangenews.com\/top-20-money-exchange-companies-in-uae-which-provides-best-exchange-rates\/\" target=\"_blank\" rel=\"noreferrer noopener\">financial institution<\/a>, you can also negotiate with them regarding the rates on your personal loans. However, you must have cleared dues punctually in the previous instances to leverage your position for the most affordable rates.<\/p>\n\n\n\n<p>Regardless of whether you are availing a personal loan for travel or for any other purpose, these tips should help lower your interest burden significantly. For additional assistance, borrowers can also contact the likes of Bajaj Finserv customer care number and acquire necessary loan details. Representatives from such NBFCs are often prompt in assisting with a suitable solution.<\/p>\n\n\n\n<p>Keep in mind that reducing your loan\u2019s interest rate will also lower your EMIs, enabling you to repay conveniently. Thus, for enhanced affordability, you should take advantage of the tips mentioned above.<\/p>\n\n\n\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\n<ins class=\"adsbygoogle\"\n     style=\"display:block; text-align:center;\"\n     data-ad-layout=\"in-article\"\n     data-ad-format=\"fluid\"\n     data-ad-client=\"ca-pub-0548205572604330\"\n     data-ad-slot=\"1456790708\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n\n<script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\n<ins class=\"adsbygoogle\"\n     style=\"display:block\"\n     data-ad-format=\"autorelaxed\"\n     data-ad-client=\"ca-pub-0548205572604330\"\n     data-ad-slot=\"9687113448\"><\/ins>\n<script>\n     (adsbygoogle = window.adsbygoogle || []).push({});\n<\/script>\n\n","protected":false},"excerpt":{"rendered":"<p>Personal loan: According to RBI data, the share of personal loan grew to around 24% in total credit disbursed. Such statistics show the overall popularity of personal loans in India, which can enable borrowers to finance big-ticket expenses, both personal and professional.\u00a0 For example, such credits can assist one to fund weddings, vacations, education, business expansion, and much more. Still, acquiring the\u00a0best personal loan interest rates\u00a0is critical, regardless of the underlying reason for borrowing. Thus, potential borrowers should keep a few tips in mind when availing such a loan. Doing so may lead to lower and more affordable repayments. Ways [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1426,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21,382],"tags":[385,384,383,386],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to get a lower interest rate on a personal loan in India? - Goodwill Exchange<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.goodwillexchange.ae\/blog\/2020\/12\/how-to-get-a-lower-interest-rate-on-a-personal-loan-in-india\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to get a lower interest rate on a personal loan in India? - Goodwill Exchange\" \/>\n<meta property=\"og:description\" content=\"Personal loan: According to RBI data, the share of personal loan grew to around 24% in total credit disbursed. Such statistics show the overall popularity of personal loans in India, which can enable borrowers to finance big-ticket expenses, both personal and professional.\u00a0 For example, such credits can assist one to fund weddings, vacations, education, business expansion, and much more. Still, acquiring the\u00a0best personal loan interest rates\u00a0is critical, regardless of the underlying reason for borrowing. Thus, potential borrowers should keep a few tips in mind when availing such a loan. Doing so may lead to lower and more affordable repayments. Ways [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.goodwillexchange.ae\/blog\/2020\/12\/how-to-get-a-lower-interest-rate-on-a-personal-loan-in-india\/\" \/>\n<meta property=\"og:site_name\" content=\"Goodwill Exchange\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/GoodwillExchangeDubai\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-12-24T13:35:17+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-12-24T13:35:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.goodwillexchange.ae\/blog\/wp-content\/uploads\/2020\/12\/personal-loan-in-India.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"640\" \/>\n\t<meta property=\"og:image:height\" content=\"427\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Goodwill Exchange\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Goodwill Exchange\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.goodwillexchange.ae\/blog\/2020\/12\/how-to-get-a-lower-interest-rate-on-a-personal-loan-in-india\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.goodwillexchange.ae\/blog\/2020\/12\/how-to-get-a-lower-interest-rate-on-a-personal-loan-in-india\/\"},\"author\":{\"name\":\"Goodwill Exchange\",\"@id\":\"https:\/\/www.goodwillexchange.ae\/blog\/#\/schema\/person\/b050b95bdd3fb8ab99a63af3ab5d40be\"},\"headline\":\"How to get a lower interest rate on a personal loan in India?\",\"datePublished\":\"2020-12-24T13:35:17+00:00\",\"dateModified\":\"2020-12-24T13:35:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.goodwillexchange.ae\/blog\/2020\/12\/how-to-get-a-lower-interest-rate-on-a-personal-loan-in-india\/\"},\"wordCount\":689,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.goodwillexchange.ae\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.goodwillexchange.ae\/blog\/2020\/12\/how-to-get-a-lower-interest-rate-on-a-personal-loan-in-india\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.goodwillexchange.ae\/blog\/wp-content\/uploads\/2020\/12\/personal-loan-in-India.jpg\",\"keywords\":[\"instant loans\",\"personal loan\",\"personal loan in India\",\"quick loans india\"],\"articleSection\":[\"Finance\",\"Loans\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.goodwillexchange.ae\/blog\/2020\/12\/how-to-get-a-lower-interest-rate-on-a-personal-loan-in-india\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.goodwillexchange.ae\/blog\/2020\/12\/how-to-get-a-lower-interest-rate-on-a-personal-loan-in-india\/\",\"url\":\"https:\/\/www.goodwillexchange.ae\/blog\/2020\/12\/how-to-get-a-lower-interest-rate-on-a-personal-loan-in-india\/\",\"name\":\"How to get a lower interest rate on a personal loan in India? 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