Personal Loan:

Financial organizations, including banks, credit unions, and online lenders, offer unsecured personal loans to people for a variety of private purposes. Collateral, such a house or car, is not required to secure a personal loan, unlike a mortgage or auto loan. Generally, the borrower’s creditworthiness and repayment capacity are taken into consideration when approving a personal loan.

Examinе all loan tеrms, including intеrеst ratе, lеngth of payback, and any associatеd costs, carеfully if thе loan is accеptеd. Prior to taking out thе loan, makе surе you arе awarе of all thе tеrms.

Vеrify Your Crеdit Rating
Calculatе thе Loan Amount
assеmblе thе nеcеssary papеrwork
Sеnd Your Application
Obtain immеdiatе approval
Chеck thе Loan Tеrms

Current Interest Rate on Personal Loans

Bank Interest Rate (p.a.) Processing Fee
HDFC Bank 10.5% p.a. - 21.00% p.a. Up to 2.50%
ICICI Bank 10.75% p.a. - 19.00% p.a. Up to 2.50%
TurboLoan Powered by Chola 15% - 21% (fixed) p.a. 3.00%
Yes Bank 10% p.a. onwards - 24% p.a. Up to 6.50%
Citibank 10.50% p.a. - 16.49% p.a. Up to 3%
Kotak Mahindra Bank 10.99% and above Up to 3%
Axis Bank 12% p.a.- 21% p.a. 1.5% -2% of the loan amount
IndusInd Bank 10.49% p.a. - 26.5% p.a. 3% onwards
HSBC Bank 9.75% p.a. - 16.00% p.a. Up to 2%
IDFC First Bank 10.49% p.a. onwards Up to 3.5%
Tata Capital 10.99% onwards Up to 2.75%
Home Credit Cash Loan 24% p.a. - 49.5% p.a. 0%-5%
Ujjivan Small Finance Bank At the discretion of the bank At the discretion of the bank
Aditya Birla Capital 14% p.a. -26% p.a. Up to 2%
State Bank of India 10.65% p.a. - 13.65% p.a. Up to 1.50%
Karnataka Bank 12% p.a. - 17% p.a. At the discretion of the bank
IIFL Bank 11.75% p.a. - 34% p.a. 2% - 4%
Bank of India 8.75% p.a. - 13.75% p.a. Up to 1%
Central Bank of India 11.75% p.a. onwards Up to 1%
City Union Bank 9.50% p.a. 1.00% subject to a minimum of Rs.250

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Eligibility criteria and documents required

Anyone can apply for our personal loan online, as long as you meet five basic criteria mentioned below. If you meet all the eligibility criteria, you will need a set of documents to complete your application process. With our online personal loan, you can get an instant approval for up to Rs. 40 lakh. Meet the easy eligibility parameters and complete your basic documentation to avail the money you need within 24 hours* of approval.

Eligibility criteria
Nationality: Indian
Age: 21 years to 80 years*
Employed with: Public, private, or MNC
Nationality: Indian
CIBIL score: 685 or higher
Monthly salary: Starting Rs. 25,001, based on the city you live in
Documents required
KYC documents: Aadhaar/ passport/ voter’s ID/ driving license/ letter from NPR/ NREGA job card
PAN card
Employee ID card
Salary slips of the last 3 months
Bank account statements of the previous 3 months

*Higher age limit is applicable at the time of loan maturity.

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