Personal Loan

Find Loan Products We Offers Personal Loan

About Personal Loan

A Personal Loan is a form of unsecured loan availed by individuals on the basis of specific criteria, such as level of income, employment history, credit score, and scope for repayment.

Compare Your Personal Loan

Our Associated Banks - Personal Loan

Indiabulls Dhani

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Indiabulls Dhani

11.99% onwards

Interest Rate Range

1% to 3.5%

Processing Fee

₹30L Max

Loan Amount **

1-5 Years

Tenure

Indian bank

Indian Bank

11.05%

Interest Rate Range

0.5%, Min- Rs. 508

Processing Fee

₹50K to ₹5 L

Loan Amount **

1-3 Years

Tenure

Bank of Baroda

Bank Of Baroda

11.60%

Interest Rate Range

2%, Min Rs. 250

Processing Fee

Rs. 1 Lakh to Rs. 10 Lakh

Loan Amount **

48 months

Tenure

Kotak Bank

Kotak Bank

10.99%

Interest Rate Range

Upto 2.5%

Processing Fee

Rs. 1 Lakh to Rs. 15 Lakh

Loan Amount **

60 months

Tenure

HDFC Bank

HDFC Bank

11.25%

Interest Rate Range

Min 0.99%, Max 2.50% Up to Rs. 10,000

Processing Fee

Rs. 50,000 to Rs. 50 Lakh

Loan Amount **

60 months

Tenure

Capital First

Capital First

12% – 18%

Interest Rate Range

Up to 1.5%

Processing Fee

₹15L Max

Loan Amount **

1-5 Years

Tenure

State Bank Of India

SBI

12.50%

Interest Rate Range

In the range of 2% to 3%

Processing Fee

Rs. 10,000 to Rs. 15 Lakh

Loan Amount **

48 months

Tenure

Tata Capital

Tata Capital

11.99%

Interest Rate Range

Flat fee of Rs. 999*, Upto 2%

Processing Fee

Rs. 75,000 to Rs. 20 Lakh

Loan Amount **

60 months

Tenure

IDFC Bank

IDFC Bank

11.50%

Interest Rate Range

Starting from 0.75%, Up to 2%

Processing Fee

Rs. 3 Lakh to Rs. 40 Lakh

Loan Amount **

 

60 months

Tenure

Fullerton India

Fullerton India

17.25%

Interest Rate Range

Upto 2.00%

Processing Fee

Rs. 1 Lakh to Rs. 20 Lakh

Loan Amount **

48 months

Tenure

Union Bank Of India

Union Bank of India

12.45%

Interest Rate Range

0.5%, Min Rs. 500

Processing Fee

Rs. 50,000 to Rs. 5 Lakh

Loan Amount **

60 months

Tenure

Bank of India

Bank Of India

12.90% – 13.90% FLOATING

Interest Rate Range

1000 TO 10000

Processing Fee

₹10K-5L Max

Loan Amount **

3 Years

Tenure

India Infoline Finance LTD.

Indian infoline finance Ltd.

13% Onwards

Interest Rate Range

Upto 2% Of Loan Amount Plus GST

Processing Fee

₹25L Max

Loan Amount **

1-5 Years

Tenure

Aditya Birla Capital

Aditya Birla Capital

14% p.a. to 26% p.a.

Interest Rate Range

Upto 2% Of Loan Amount Plus GST

Processing Fee

₹25K – 15L Max

Loan Amount **

1-3 Years

Tenure

IDBI Bank

IDBI Bank

13.20%

Interest Rate Range

1%

Processing Fee

Rs. 50,000 to Rs. 5 Lakh

Loan Amount **

60 months

Tenure

Citi Bank

Citi Bank

10.99%

Interest Rate Range

Upto 0.5%

Processing Fee

Rs. 1 Lakh to Rs. 25 Lakh

Loan Amount **

60 months

Tenure

IndusInd Bank

Indusland Bank

10.99%

Interest Rate Range

Min 1% to Max 2.50%

Processing Fee

Rs. 50,000 to Rs. 25 Lakh

Loan Amount **

60 months

Tenure

ICICI Bank

ICICI Bank

10.99%

Interest Rate Range

Starting from 0.99%, Up to 2.25%

Processing Fee

Rs. 1 Lakh to Rs. 40 Lakh

Loan Amount **

60 months

Tenure

Standard Chartered Bank

Standard Chartered Bank

10.99%

Interest Rate Range

1.00%

Processing Fee

Rs. 1 Lakh to Rs. 30 Lakh

Loan Amount **

60 months

Tenure

Allahabad Bank

Allahabad Bank

12.95%

Interest Rate Range

1.06%, Min- Rs. 1068

Processing Fee

Rs. 50,000 to Rs. 7.50 Lakh

Loan Amount **

60 months

Tenure

Bank of Maharashtra

Bank of Maharashtra

15.10%

Interest Rate Range

1%, Min Rs. 1,000

Processing Fee

Rs. 50,000 to Rs. 1.50 Lakh

Loan Amount **

60 months

Tenure

Canara Bank

Canara Bank

13.95%

Interest Rate Range

0.50%

Processing Fee

Rs. 1 Lakh to Rs. 3 Lakh

Loan Amount **

48 months

Tenure

Central Bank Of India

Central Bank Of India

11.3% Floating

Interest Rate Range

500 + applicable tax One time fee

Processing Fee

10L

Loan Amount **

4 years

Tenure

Dena Bank

Dena Bank

13.00%

Interest Rate Range

1%

Processing Fee

Rs. 15,000 to Rs. 1 Lakh

Loan Amount **

36 months

Tenure

Indian Overseas Bank

Indian Overseas Bank

12.70%

Interest Rate Range

Rs. 204 per lakh

Processing Fee

Rs. 50,000 to Rs. 15 Lakh

Loan Amount **

60 months

Tenure

Karur Vysya Bank

Karur Vysya Bank

13.90%

Interest Rate Range

0.40%

Processing Fee

Rs. 50,000 to Rs. 10 Lakh

Loan Amount **

36 months

Tenure

South Indian Bank

South Indian Bank

13.00% Fixed

Interest Rate Range

0.50% One time fee

Processing Fee

10L Max

Loan Amount **

1-4 Years

Tenure

Tamilnad Mercantile Bank

Tamilnad Mercantile Bank

13.75% – 15.75% Floating

Interest Rate Range

1% One time fee

Processing Fee
 

2L Max

Loan Amount **

1-5 Years

Tenure

UCO Bank

UCO Bank

11.20% – 11.45% Floating

Interest Rate Range

1% (min. ₹750) One time fee

Processing Fee

10L Max

Loan Amount **

5 Years

Tenure

Vijaya Bank

Vijaya Bank

12.50%

Interest Rate Range

0.25%, Max. Rs. 10000 + ST

Processing Fee

Rs. 50,000 to Rs. 6 Lakh

Loan Amount **

60 months

Tenure

Yes Bank

Yes Bank

10.75%

Interest Rate Range

Starting at 0.99%, Up to 2%

Processing Fee

Rs. 2 Lakh to Rs. 20 Lakh

Loan Amount **

60 months

Tenure

Bajaj Finserv

Bajaj Finserv

11.99%

Interest Rate Range

Starting from 1.50%, Up to 3%

Processing Fee

Rs. 5 Lakh to Rs. 30 Lakh

Loan Amount **

60 months

Tenure

Axis Bank

Axis Bank

11.25%

Interest Rate Range

1.50% to 2.00%

Processing Fee

Rs. 50,000 to Rs. 15 Lakh

Loan Amount **

60 months

Tenure

RBL Bank

RBL Bank

13.99%

Interest Rate Range

Upto 2%

Processing Fee

Rs. 1 Lakh to Rs. 20 Lakh

Loan Amount **

60 months

Tenure

IIFL

IIFL

12.98%

Interest Rate Range

1 – 2%

Processing Fee

Rs. 50,000 to Rs. 25 Lakh

Loan Amount **

60 months

Tenure

HDB Financial Services

HDB Financial Services

13.99%

Interest Rate Range

Upto 2% of loan amount

Processing Fee

Rs. 1 Lakh to Rs. 20 Lakh

Loan Amount **

60 months

Tenure

PNB

Punjab National Bank

12.00%

Interest Rate Range

1.8% + taxes

Processing Fee

Rs. 50,000 to Rs. 15 Lakh

Loan Amount **

60 months

Tenure

Syndicate Bank

Syndicate Bank

13.25%

Interest Rate Range

0.5%, Min Rs. 500

Processing Fee

Rs. 50,000 to Rs. 2 Lakh

Loan Amount **

60 months

Tenure

Andhra Bank

Andhra Bank

11.40%

Interest Rate Range

Case to Case

Processing Fee

Rs. 50,000 to Rs. 5 Lakh

Loan Amount **

60 months

Tenure

Corporation Bank

Corporation Bank

12.85%

Interest Rate Range

1.5%, Min Rs. 500

Processing Fee

Rs. 2 Lakh to Rs. 5 Cr

Loan Amount **

84 months

Tenure

Federal Bank

Federal Bank

11.49%

Interest Rate Range

0.5%, Min Rs. 500

Processing Fee

Rs. 50,000 to Rs. 10 Lakh

Loan Amount **

48 months

Tenure

Points to Consider before Applying for Personal loan

To choose from the most effective personal loan offers is vital, however equally vital are various different factors that ought to be taken to stop personal loan changing into the burden inflicting a giant hole within the pocket. Here are some points you want to never overlook whereas applying for personal loan.

  • Plan your budget and stick to it: borrow only the amount you need and use it towards your planned expenditure
  • Check your credit report or CIBIL score
  • Repayment period of personal loan can be between 1 year and 5 years
  • Know your APR (Annual Percentage Rate)
  • Do a complete and detailed market survey of the various Personal Loan options like their interest rates, the pre-payment charges levied, and any other terms and conditions.
  • Look for zero processing fees and zero-penalty for pre-payment option. In case this is not available, then prefer borrowing with lowest cost. Sometimes additional costs add up and make a huge difference even after you are offered lower interest rates
  • Look for payment delivery charges such as early payment charges
  • Carefully look at the risk involved for situation when you are unable to repay the loan amount
  • Always ask for customized personal loan quotes from at least three providers, as many banks offer personalized plans.
  • Do not just fall for lower rates, check whether the banks are offering it on flat interest rate basis or reducing balance basis.
  • Learn about personal loan guarantor terms & conditions, read the offer document carefully before signing the dotted line as a guarantor.

Eligibility Criteria

  • Income/ Other Income
  • Age
  • Qualification
  • Property value
  • No of dependents
  • Bank Balance
  • Assets/Liabilities

Documents needs

  • Passport
  • Voter ID card
  • Driving license
  • PAN card
  • Bank account statement
  • Latest electricity bill
  • Latest mobile/telephone bill
  • Existing house lease agreement

Apply Now

  • ICICI Personal Loan
  • HDFC Personal Loan
  • BAJAJ Personal Loan
  • IIFL Personal Loan

    Personal Loan Interest Rates & Charges

           Here is an list of all the fees and charges to be paid for the personal loan.   

Interest Rates Varies from

10.85%

Min

37.10%

Max

  • Description of Charges
    Personal Loan
  • Loan Processing Charges*
    Varies with bank
  • Pre-payment charges*
    Varies with bank
  • Loan Tenure
    1 to 5 years
  • Guarantor Requirement
    Nil

For further details, please Click here

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Rohit Kapoor
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"I had taken a personal loan from Capital First. My loan was approved very easily at with low interest rates as I had an excellent credit history and all my documents were ready. loanmrt.com team were also very helpful and polite."
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