Personal loan lena ab simple ho gaya hai, par City Union Bank Personal Loan vs Chola Personal Loan dono hi reliable options hain.
Lekin question ye hai: City Union Bank vs Chola — kaunsa personal loan aapke liye best hai?
Is blog me hum dono ke interest rates, eligibility criteria, loan amount, tenure aur benefits compare karenge, taaki aap informed decision le sakein.
💰 1. Loan Amount & Tenure Comparison
| Feature | City Union Bank Personal Loan | Chola Personal Loan |
|---|---|---|
| Loan Amount | ₹50,000 – ₹25 lakh | ₹50,000 – ₹25 lakh |
| Tenure | 12 months – 60 months | 12 months – 60 months |
| Collateral | Unsecured | Unsecured |
| Purpose | Medical, travel, wedding, personal projects | Medical, travel, wedding, personal projects |
💡 Tip: Loan amount aur tenure dono me similar flexibility hai.
💼 2. Interest Rate Comparison
| Loan Amount | City Union Bank | Chola Finance |
|---|---|---|
| ₹50,000 – ₹5 lakh | 10.50% – 14% p.a. | 11% – 15% p.a. |
| ₹5 lakh – ₹25 lakh | 11% – 15% p.a. | 12% – 16% p.a. |
💬 Insight: City Union Bank slightly lower interest rate offer karta hai, jo cost-effective ho sakta hai.
📋 3. Eligibility Comparison
| Criteria | City Union Bank | Chola Finance |
|---|---|---|
| Age | 21 – 60 years | 21 – 60 years |
| Employment | Salaried / Self-employed / Professionals | Salaried / Self-employed / Professionals |
| Minimum Income | ₹15,000 – ₹20,000/month | ₹15,000 – ₹20,000/month |
| Credit Score | 700+ recommended | 700+ recommended |
| Co-applicant | Optional | Optional |
💡 Tip: Both banks prefer stable income aur good credit score for faster approval.
🧾 4. Documents Comparison
| Document | City Union Bank | Chola Finance |
|---|---|---|
| Aadhaar / PAN | Required | Required |
| Salary slips / ITR | Required | Required |
| Bank statement | 6 months | 6 months |
| Address Proof | Electricity bill / Passport | Electricity bill / Passport |
| Photo | Passport-size | Passport-size |
💬 Insight: Documents dono banks me similar hai, aur online & offline apply dono available hai.
💡 5. Benefits Comparison
| Feature | City Union Bank | Chola Finance |
|---|---|---|
| Quick Approval | Yes | Yes |
| Low Processing Fees | 1% – 2% | 1% – 2% |
| Flexible EMI | Yes | Yes |
| Co-applicant | Yes | Yes |
| Trusted Service | Yes | Yes |
💬 Insight: City Union Bank thoda better interest rate aur nationwide presence ke liye popular hai, Chola fast approval aur customer support ke liye strong hai.
🌐 6. How to Apply
City Union Bank Personal Loan:
-
Loans → Personal Loan → Apply Online
Chola Personal Loan:
-
Loans → Personal Loan → Apply Online
💡 Tip: Online apply karna dono banks me fast approval ke liye recommended hai.
🏁 Conclusion
City Union Bank vs Chola Personal Loan 2025:
-
City Union Bank: Slightly lower interest rate, good for salaried & mid-range loan amounts.
-
Chola Finance: Fast approval, reliable customer service, slightly higher interest rate but convenient for smaller loans.
Pro Tip: Agar aapko cost-effective interest rate chahiye → City Union Bank
Agar aapko fast processing aur easy documentation chahiye → Chola Personal Loan
Compare your options and apply online for City Union Bank or Chola Personal Loan today! 💸
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