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Top Banks — Lowest Interest Rates 2026
EMI calculations based on a tenure of 5 years.
| Bank | Interest Rate | Loan Amount | EMI / Lakh | Processing Fee | Apply |
|---|---|---|---|---|---|
SBI State Bank of India | 10.30% – 15.30% | Up to ₹35 Lakhs | ₹2,139 – ₹2,395 | 1.5% + GST | Apply |
HDFC HDFC Bank | 10.90% – 24.00% | Up to ₹40 Lakhs | ₹2,169 – ₹2,877 | Up to ₹6,500 + GST | Apply |
Kotak Kotak Mahindra Bank | 10.99% – 16.99% | Up to ₹35 Lakhs | ₹2,174 – ₹2,485 | Up to 5% + GST | Apply |
IDFC IDFC First Bank | 10.99% Onwards | Up to ₹1 Crore | ₹2,174 Onwards | Up to 3.5% + GST | Apply |
IndusInd IndusInd Bank | 10.49% Onwards | Up to ₹50 Lakhs | ₹2,149 – ₹3,328 | Up to 3.5% + GST | Apply |
Yes Yes Bank | 11.25% – 21.00% | Up to ₹40 Lakhs | ₹2,187 – ₹2,705 | Up to 2.5% + GST | Apply |
SCB Standard Chartered | 11.49% Onwards | Up to ₹50 Lakhs | ₹2,199 Onwards | Up to 2.25% + GST | Apply |
Tata Tata Capital | 11.99% Onwards | Up to ₹35 Lakhs | ₹2,224 Onwards | Up to 5.5% + GST | Apply |
Personal Loan EMI Calculator
Adjust the sliders to estimate your monthly EMI instantly.
Monthly EMI
Why Choose a Personal Loan?
Flexible, fast & fully unsecured — no collateral required.
Instant Approval & Disbursal
Get approved within minutes. Loan amount credited to your account within hours of sanction.
Flexible Repayment
Choose a repayment tenure from 1 to 5 years based on your monthly budget and convenience.
Attractive Interest Rates
Personal loan interest rates start from 10.30% p.a. — compare and choose the best deal.
No Collateral Required
100% unsecured loan. No need to pledge any asset or security to get approved.
Use for Any Purpose
Medical, travel, wedding, home renovation, education — spend the loan on anything you need.
Minimal Documentation
Apply with basic KYC documents like PAN, Aadhaar & bank statements — simple and fast.
Eligibility Criteria
Who can apply for a personal loan in India?
🏢 Salaried Employees
- Indian citizen aged 21–58 years
- Minimum monthly income of ₹15,000
- Employed with a private / govt / MNC company
- Minimum 1 year total work experience
- CIBIL score of 700 or above preferred
- Valid bank account with salary credits
💼 Self-Employed Professionals
- Indian citizen aged 25–65 years
- Minimum annual income of ₹2 Lakh (ITR-based)
- Business vintage of at least 2 years
- Stable & continuous income source
- CIBIL score of 700 or above preferred
- Valid ITR filed for last 2 years
Frequently Asked Questions
Everything you need to know about personal loans.
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