Personal Loans from 10.49%

Compare rates from 15 lenders. Zero spam calls.

I needfor

EMI:₹16,249

at 10.49% (lowest available)

Showing 15 personal loans

Sort:

🎯 Not sure which loan fits? Try the Loan Finder — matched in 60 seconds, no phone number.

Find my loan →Check eligibility →

IDFC FIRST Bank

IDFC FIRST Bank Personal Loan

Rate from10.49%

Max amount₹40 L

EMI/L · 5y₹2,149

DisbursalSame day for IDFC FIRST customers

Lifetime free credit card bundled
Instant approval for IDFC FIRST customers

Min salary: ₹20K · CIBIL: 700+ · Salaried · Self-employed · Professional

View details →Check eligibility

Yes Bank

Yes Bank Personal Loan

Rate from10.49%

Max amount₹40 L

EMI/L · 5y₹2,149

DisbursalWithin 3 business days

Minimal documentation for salaried
Competitive starting rate

Min salary: ₹20K · CIBIL: 700+ · Salaried · Self-employed

View details →Check eligibility

Axis Bank

Axis Bank Personal Loan

Rate from10.49%

Max amount₹40 L

EMI/L · 5y₹2,149

DisbursalWithin 3 business days

Quick approval process
Competitive rates for Axis salary accounts

Min salary: ₹15K · CIBIL: 700+ · Salaried · Self-employed · Professional

View details →Check eligibility

Federal Bank

Federal Bank Personal Loan

Rate from10.49%

Max amount₹25 L

EMI/L · 5y₹2,149

DisbursalWithin 3 business days

Low rate ceiling (17.99%)
NRI-friendly processing

Min salary: ₹15K · CIBIL: 700+ · Salaried · Self-employed

View details →Check eligibility

IndusInd Bank

IndusInd Bank Personal Loan

Rate from10.49%

Max amount₹25 L

EMI/L · 5y₹2,149

DisbursalWithin 3 business days

Fast-track approval for IndusInd account holders
Competitive starting rate

Min salary: ₹25K · CIBIL: 700+ · Salaried · Self-employed

View details →Check eligibility

HDFC Bank

HDFC Bank Personal Loan

Featured

Rate from10.50%

Max amount₹40 L

EMI/L · 5y₹2,149

DisbursalSame day for pre-approved, 3 days for others

10-second disbursal for pre-approved customers
Top-up loan available

Min salary: ₹25K · CIBIL: 700+ · Salaried · Self-employed · Professional

View details →Check eligibility

Bank of Baroda

Bank of Baroda Personal Loan

Rate from10.60%

Max amount₹20 L

EMI/L · 5y₹2,154

Disbursal5-7 business days

One of the lowest max rates
Government bank reliability

Min salary: ₹15K · CIBIL: 700+ · Salaried · Self-employed

View details →Check eligibility

ICICI Bank

ICICI Bank Personal Loan

Featured

Rate from10.75%

Max amount₹50 L

EMI/L · 5y₹2,162

DisbursalSame day for pre-approved

Instant approval via iMobile
Step-up EMI option

Min salary: ₹25K · CIBIL: 700+ · Salaried · Self-employed · Professional

View details →Check eligibility

Tata Capital

Tata Capital Personal Loan

Rate from10.99%

Max amount₹35 L

EMI/L · 5y₹2,174

DisbursalWithin 48 hours

Tata Group backing and strong service
Digital application with e-KYC

Min salary: ₹20K · CIBIL: 700+ · Salaried · Self-employed

View details →Check eligibility

Kotak Mahindra Bank

Kotak Mahindra Personal Loan

Rate from10.99%

Max amount₹40 L

EMI/L · 5y₹2,174

DisbursalSame day for existing customers

Same-day disbursal for Kotak customers
Digital-first application via Kotak 811 app

Min salary: ₹25K · CIBIL: 700+ · Salaried · Self-employed

View details →Check eligibility

Bajaj Finance

Bajaj Finance Personal Loan

Featured

Rate from11.00%

Max amount₹35 L

EMI/L · 5y₹2,174

DisbursalWithin 24 hours

Accepts lower CIBIL scores
Longest tenure up to 7 years

Min salary: ₹22K · CIBIL: 685+ · Salaried · Self-employed · Professional

View details →Check eligibility

State Bank of India

SBI Personal Loan

Featured

Rate from11.15%

Max amount₹20 L

EMI/L · 5y₹2,182

Disbursal3-5 business days

Pre-approved for existing SBI customers
No collateral required

Min salary: ₹15K · CIBIL: 700+ · Salaried · Self-employed · Professional

View details →Check eligibility

Fullerton India

Fullerton India Personal Loan

Rate from11.99%

Max amount₹25 L

EMI/L · 5y₹2,224

Disbursal48-72 hours

Lower income requirements
Accepts CIBIL 650+

Min salary: ₹12K · CIBIL: 650+ · Salaried · Self-employed

View details →Check eligibility

L&T Finance

L&T Finance Personal Loan

Rate from12.00%

Max amount₹25 L

EMI/L · 5y₹2,224

Disbursal48-72 hours

Digital-first application
L&T Group backing

Min salary: ₹18K · CIBIL: 680+ · Salaried · Self-employed

View details →Check eligibility

Piramal Finance

Piramal Finance Personal Loan

Rate from14.00%

Max amount₹10 L

EMI/L · 5y₹2,327

Disbursal48-72 hours

Accepts thin CIBIL files
Salaried + self-employed accepted

Min salary: ₹15K · CIBIL: 650+ · Salaried · Self-employed

View details →Check eligibility

Showing 15 of 15 personal loans. Browse all loan types →

What is a personal loan in India?

Personal loans in India are unsecured — you don’t pledge any asset as collateral. Rates typically start at 10.49% and run up to 36% depending on your CIBIL score, employer, and chosen lender. Banks price on the lower end; NBFCs (Bajaj Finance, Fullerton, Piramal) serve applicants with thinner files at higher rates. April 2026 market: the lowest headline rates are at IDFC FIRST Bank, Federal Bank, and Axis Bank. Personal loan tenures run 12–84 months; most borrowers pick 36–60 months.

How to choose the best personal loan

Pick the lowest APR you qualify for — not the lowest headline rate. Tenure and processing fee change your effective cost.
Prefer lenders with zero foreclosure fee (RBI mandate for floating-rate individual loans) so you can prepay lump sums without friction.
Avoid "pre-approved offer" emails unless you’ve verified the rate against the published rate card — marketing rates are often 3-5% above the actual best offer.
Carry a CIBIL above 720 if you want the quoted minimum rate. Scores 650-700 will be offered the upper half of the rate band.

Want to calculate EMI for a specific loan amount and tenure? Use our EMI calculator. Looking for a different loan type? See our full loans hub.

Personal Loans from 10.49%

Compare rates from 15 lenders. Zero spam calls.

I needfor

EMI:₹16,249

at 10.49% (lowest available)

Showing 15 personal loans

Sort:

🎯 Not sure which loan fits? Try the Loan Finder — matched in 60 seconds, no phone number.

Find my loan →Check eligibility →

IDFC FIRST Bank

IDFC FIRST Bank Personal Loan

Rate from10.49%

Max amount₹40 L

EMI/L · 5y₹2,149

DisbursalSame day for IDFC FIRST customers

Lifetime free credit card bundled
Instant approval for IDFC FIRST customers

Min salary: ₹20K · CIBIL: 700+ · Salaried · Self-employed · Professional

View details →Check eligibility

Yes Bank

Yes Bank Personal Loan

Rate from10.49%

Max amount₹40 L

EMI/L · 5y₹2,149

DisbursalWithin 3 business days

Minimal documentation for salaried
Competitive starting rate

Min salary: ₹20K · CIBIL: 700+ · Salaried · Self-employed

View details →Check eligibility

Axis Bank

Axis Bank Personal Loan

Rate from10.49%

Max amount₹40 L

EMI/L · 5y₹2,149

DisbursalWithin 3 business days

Quick approval process
Competitive rates for Axis salary accounts

Min salary: ₹15K · CIBIL: 700+ · Salaried · Self-employed · Professional

View details →Check eligibility

Federal Bank

Federal Bank Personal Loan

Rate from10.49%

Max amount₹25 L

EMI/L · 5y₹2,149

DisbursalWithin 3 business days

Low rate ceiling (17.99%)
NRI-friendly processing

Min salary: ₹15K · CIBIL: 700+ · Salaried · Self-employed

View details →Check eligibility

IndusInd Bank

IndusInd Bank Personal Loan

Rate from10.49%

Max amount₹25 L

EMI/L · 5y₹2,149

DisbursalWithin 3 business days

Fast-track approval for IndusInd account holders
Competitive starting rate

Min salary: ₹25K · CIBIL: 700+ · Salaried · Self-employed

View details →Check eligibility

HDFC Bank

HDFC Bank Personal Loan

Featured

Rate from10.50%

Max amount₹40 L

EMI/L · 5y₹2,149

DisbursalSame day for pre-approved, 3 days for others

10-second disbursal for pre-approved customers
Top-up loan available

Min salary: ₹25K · CIBIL: 700+ · Salaried · Self-employed · Professional

View details →Check eligibility

Bank of Baroda

Bank of Baroda Personal Loan

Rate from10.60%

Max amount₹20 L

EMI/L · 5y₹2,154

Disbursal5-7 business days

One of the lowest max rates
Government bank reliability

Min salary: ₹15K · CIBIL: 700+ · Salaried · Self-employed

View details →Check eligibility

ICICI Bank

ICICI Bank Personal Loan

Featured

Rate from10.75%

Max amount₹50 L

EMI/L · 5y₹2,162

DisbursalSame day for pre-approved

Instant approval via iMobile
Step-up EMI option

Min salary: ₹25K · CIBIL: 700+ · Salaried · Self-employed · Professional

View details →Check eligibility

Tata Capital

Tata Capital Personal Loan

Rate from10.99%

Max amount₹35 L

EMI/L · 5y₹2,174

DisbursalWithin 48 hours

Tata Group backing and strong service
Digital application with e-KYC

Min salary: ₹20K · CIBIL: 700+ · Salaried · Self-employed

View details →Check eligibility

Kotak Mahindra Bank

Kotak Mahindra Personal Loan

Rate from10.99%

Max amount₹40 L

EMI/L · 5y₹2,174

DisbursalSame day for existing customers

Same-day disbursal for Kotak customers
Digital-first application via Kotak 811 app

Min salary: ₹25K · CIBIL: 700+ · Salaried · Self-employed

View details →Check eligibility

Bajaj Finance

Bajaj Finance Personal Loan

Featured

Rate from11.00%

Max amount₹35 L

EMI/L · 5y₹2,174

DisbursalWithin 24 hours

Accepts lower CIBIL scores
Longest tenure up to 7 years

Min salary: ₹22K · CIBIL: 685+ · Salaried · Self-employed · Professional

View details →Check eligibility

State Bank of India

SBI Personal Loan

Featured

Rate from11.15%

Max amount₹20 L

EMI/L · 5y₹2,182

Disbursal3-5 business days

Pre-approved for existing SBI customers
No collateral required

Min salary: ₹15K · CIBIL: 700+ · Salaried · Self-employed · Professional

View details →Check eligibility

Fullerton India

Fullerton India Personal Loan

Rate from11.99%

Max amount₹25 L

EMI/L · 5y₹2,224

Disbursal48-72 hours

Lower income requirements
Accepts CIBIL 650+

Min salary: ₹12K · CIBIL: 650+ · Salaried · Self-employed

View details →Check eligibility

L&T Finance

L&T Finance Personal Loan

Rate from12.00%

Max amount₹25 L

EMI/L · 5y₹2,224

Disbursal48-72 hours

Digital-first application
L&T Group backing

Min salary: ₹18K · CIBIL: 680+ · Salaried · Self-employed

View details →Check eligibility

Piramal Finance

Piramal Finance Personal Loan

Rate from14.00%

Max amount₹10 L

EMI/L · 5y₹2,327

Disbursal48-72 hours

Accepts thin CIBIL files
Salaried + self-employed accepted

Min salary: ₹15K · CIBIL: 650+ · Salaried · Self-employed

View details →Check eligibility

Showing 15 of 15 personal loans. Browse all loan types →

What is a personal loan in India?

How to choose the best personal loan

Pick the lowest APR you qualify for — not the lowest headline rate. Tenure and processing fee change your effective cost.
Prefer lenders with zero foreclosure fee (RBI mandate for floating-rate individual loans) so you can prepay lump sums without friction.
Avoid "pre-approved offer" emails unless you’ve verified the rate against the published rate card — marketing rates are often 3-5% above the actual best offer.
Carry a CIBIL above 720 if you want the quoted minimum rate. Scores 650-700 will be offered the upper half of the rate band.

Want to calculate EMI for a specific loan amount and tenure? Use our EMI calculator. Looking for a different loan type? See our full loans hub.