Personal Loan at Lowest Interest Rates
Personal loans are unsecured loans that can be used for various personal expenses like medical emergencies, weddings, home renovation, travel, and more.
Why Choose InstaEMI?
Compare 17 Personal Loan Offers
Hand-picked offers from India's leading banks and NBFCs. Apply online in minutes.
HDFC Personal Loan
HDFC Bank
10.5% - 21%
Loan Amount
₹50K - ₹40 Lakh
Tenure
12 - 60 mo
Processing Fee: Up to 2.5%
ICICI Personal Loan
ICICI Bank
10.75% - 19%
Loan Amount
₹50K - ₹50 Lakh
Tenure
12 - 72 mo
Processing Fee: Up to 2.5%
SBI Xpress Credit
State Bank of India
11% - 14.5%
Loan Amount
₹1 Lakh - ₹35 Lakh
Tenure
6 - 72 mo
Processing Fee: Up to 1.5%
Bajaj Finserv Personal Loan
Bajaj Finserv
11% - 25%
Loan Amount
₹25K - ₹35 Lakh
Tenure
12 - 60 mo
Processing Fee: Up to 3.5%
Bajaj Finserv Personal Loan
Bajaj Finserv
11% - 26%
Loan Amount
₹1 Lakh - ₹35 Lakh
Tenure
12 - 84 mo
Processing Fee: Up to 3.5%
Tata Capital Personal Loan
Tata Capital
10.99% - 29.99%
Loan Amount
₹75K - ₹35 Lakh
Tenure
12 - 72 mo
Processing Fee: Up to 2.75%
Axis Bank Personal Loan
Axis Bank
10.49% - 22%
Loan Amount
₹50K - ₹40 Lakh
Tenure
12 - 60 mo
Processing Fee: Up to 2%
SBI Xpress Credit
State Bank of India
11% - 15.65%
Loan Amount
₹25K - ₹35 Lakh
Tenure
6 - 72 mo
Processing Fee: Up to 1.5%
Poonawalla Fincorp Personal Loan
Poonawalla Fincorp
9.99% - 24%
Loan Amount
₹50K - ₹50 Lakh
Tenure
12 - 84 mo
Processing Fee: Up to 3%
Aditya Birla Personal Loan
Aditya Birla Finance
10.99% - 28%
Loan Amount
₹50K - ₹50 Lakh
Tenure
12 - 84 mo
Processing Fee: Up to 4%
Kotak Personal Loan
Kotak Mahindra Bank
10.99% - 24%
Loan Amount
₹50K - ₹40 Lakh
Tenure
12 - 60 mo
Processing Fee: Up to 3%
KreditBee Personal Loan
KreditBee
12% - 28.5%
Loan Amount
₹10K - ₹5 Lakh
Tenure
3 - 24 mo
Processing Fee: Up to 5.5%
Navi Personal Loan
Navi Finserv
9.9% - 45%
Loan Amount
₹10K - ₹20 Lakh
Tenure
3 - 60 mo
Processing Fee: Up to 4%
IndusInd Bank Personal Loan
IndusInd Bank
10.49% - 26%
Loan Amount
₹1 Lakh - ₹50 Lakh
Tenure
12 - 60 mo
Processing Fee: Up to 2.5%
HDB Financial Personal Loan
HDB Financial Services
17.25% - 36%
Loan Amount
₹50K - ₹20 Lakh
Tenure
12 - 60 mo
Processing Fee: Up to 3%
IIFL Finance Personal Loan
IIFL Finance
12.75% - 36%
Loan Amount
₹25K - ₹25 Lakh
Tenure
12 - 42 mo
Processing Fee: Up to 4%
Muthoot Finance Personal Loan
Muthoot Finance
14% - 26%
Loan Amount
₹50K - ₹15 Lakh
Tenure
12 - 60 mo
Processing Fee: Up to 3%
How to Apply for Personal Loan
Get your personal loan approved in just 4 simple steps - no branch visits required
Check Eligibility
Enter basic details like income, employment type, and loan amount to check your eligibility instantly.
Compare Offers
Compare personalized offers from 30+ banks and NBFCs. Choose the best rate and terms for you.
Submit Documents
Upload required documents online. Our team verifies them within hours for faster processing.
Get Disbursement
Once approved, funds are transferred directly to your bank account within 24-72 hours.
Personal Loan Eligibility Criteria
Meet these basic requirements to qualify for a personal loan
Documents Required for Personal Loan
Keep these documents ready for faster loan processing
Identity
PAN Card, Aadhaar Card, Voter ID, Passport, Driving License, Passport Size Photo, Employee ID Card
Address
Address Proof
Income
Last 3 Months Salary Slips, Form 16 / ITR
Bank Statement
Last 6 Months Bank Statement
Personal Loan Interest Rates Comparison
Compare the latest personal loan interest rates from 15 banks and NBFCs in India
| Bank / NBFC | Interest Rate (p.a.) | Processing Fee | Tenure | Max Amount | Action |
|---|---|---|---|---|---|
| Navi Finserv | 9.90% - 45.00% | 0% - 4% | 3 - 60 months | ₹20 Lakh | Apply |
| Poonawalla Fincorp | 9.99% - 24.00% | 1.5% - 3% | 12 - 84 months | ₹50 Lakh | Apply |
| Axis Bank | 10.49% - 22.00% | 1% - 2% | 12 - 60 months | ₹40 Lakh | Apply |
| IndusInd Bank | 10.49% - 26.00% | 1.5% - 2.5% | 12 - 60 months | ₹50 Lakh | Apply |
| HDFC Bank | 10.50% - 21.00% | 1% - 2.5% | 12 - 60 months | ₹40 Lakh | Apply |
| ICICI Bank | 10.75% - 19.00% | 1.5% - 2.5% | 12 - 72 months | ₹50 Lakh | Apply |
| Tata Capital | 10.99% - 29.99% | 1.5% - 2.75% | 12 - 72 months | ₹35 Lakh | Apply |
| Aditya Birla Finance | 10.99% - 28.00% | 2% - 4% | 12 - 84 months | ₹50 Lakh | Apply |
| Kotak Mahindra Bank | 10.99% - 24.00% | 2% - 3% | 12 - 60 months | ₹40 Lakh | Apply |
| State Bank of India | 11.00% - 15.65% | 1% - 1.5% | 6 - 72 months | ₹35 Lakh | Apply |
| Bajaj Finserv | 11.00% - 26.00% | 2% - 3.5% | 12 - 60 months | ₹35 Lakh | Apply |
| KreditBee | 12.00% - 28.50% | 2.5% - 5.5% | 3 - 24 months | ₹5 Lakh | Apply |
| IIFL Finance | 12.75% - 36.00% | 2% - 4% | 12 - 42 months | ₹25 Lakh | Apply |
| Muthoot Finance | 14.00% - 26.00% | 1.5% - 3% | 12 - 60 months | ₹15 Lakh | Apply |
| HDB Financial Services | 17.25% - 36.00% | 2% - 3% | 12 - 60 months | ₹20 Lakh | Apply |
Frequently Asked Questions
Get answers to common questions about personal loans
Most banks require a minimum CIBIL score of 650 for personal loan approval. However, for the best interest rates and higher loan amounts, a score of 750+ is recommended. Some NBFCs may offer loans to applicants with scores as low as 600, but at higher interest rates.
Ready to Get Your Personal Loan?
Compare offers from 53+ banks and get instant approval. No paperwork, no hassle.