Personal Loan in India — Compare Rates & Apply Instantly
Compare personal loans from 20+ banks, NBFCs & fintechs. Check eligibility in 30 seconds. Rates starting at 10.5%. Instant approval available.
A personal loan is the fastest way to meet urgent financial needs — medical emergency, wedding, travel, home renovation, or debt consolidation. No collateral needed. No end-use restriction.
But interest rates vary from 10.5% to 24%+ depending on your bank, CIBIL score, and income profile. Choosing wrong can cost you lakhs.
CreditPicker helps you compare personal loans from banks, NBFCs, and fintechs — and find the one that fits your profile. Free. No spam.
Get Your Personal Loan in 3 Steps
Check Eligibility
30 seconds. Just salary, employment type & city.
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Banks + NBFCs + Fintechs side by side.
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In your account in 24-48 hours.
Why People Take a Personal Loan
Medical Emergency
Hospital bills, surgery, treatment — instant funds when every minute matters.
Wedding Expenses
Venue, jewellery, travel, catering — fund your big day without dipping into savings.
Home Renovation
Modular kitchen, painting, repairs — upgrade your home without breaking your budget.
Travel & Vacation
Honeymoon, family holiday or that bucket-list trip — pay over easy EMIs.
Education Fees
Higher studies, certifications, child's school fees — invest in growth without delay.
Debt Consolidation
Combine high-interest credit card dues into one lower-rate EMI and save on interest.
Check Your Personal Loan Eligibility
Banks, NBFCs & Fintechs — All in One Place
| Lender | Rate | Max Amt | Min Salary | Min CIBIL | Proc. Fee | Foreclosure | Approval | |
|---|---|---|---|---|---|---|---|---|
🔵 HDFC Bank Bank | 10.5% | ₹40 Lakh | ₹25,000 | 750+ | Up to 2.5% | 2-4% | 2-4 days | |
🟠 ICICI Bank Bank | 10.75% | ₹50 Lakh | ₹30,000 | 750+ | Up to 2.5% | 3-5% | 2-3 days | |
🟦 IDFC First Bank Bank | 10.75% | ₹40 Lakh | ₹25,000 | 720+ | Up to 2% | Nil after 1 yr | 1-2 days | |
🟣 Axis Bank Bank | 10.99% | ₹40 Lakh | ₹25,000 | 720+ | Up to 2% | 2-4% | 2-3 days | |
🔴 Kotak Mahindra Bank | 10.99% | ₹35 Lakh | ₹25,000 | 720+ | Up to 2.5% | 4-5% | 2-4 days | |
🏛️ SBI Bank | 11% | ₹20 Lakh | ₹25,000 | 720+ | 1.5% | Nil (floating) | 3-5 days | |
🟥 IndusInd Bank Bank | 11.25% | ₹50 Lakh | ₹25,000 | 750+ | Up to 3% | 4% | 2-3 days | |
🔶 Tata Capital NBFCLow CIBIL | 11.99% | ₹35 Lakh | ₹20,000 | 700+ | Up to 2.75% | 2.5-4.5% | 48 hrs | |
🟡 Bajaj Finserv NBFCLow CIBIL | 13% | ₹35 Lakh | ₹22,000 | 685+ | Up to 3.93% | 4% | 24 hrs | |
🔷 Navi FintechLow CIBIL | 14% | ₹20 Lakh | ₹15,000 | 650+ | Up to 5% | Nil | 10 min | |
💚 MoneyView FintechLow CIBIL | 15.96% | ₹10 Lakh | ₹15,000 | 650+ | 2-8% | Nil after 3 EMI | 4 hrs | |
🟢 KreditBee FintechLow CIBIL | 16% | ₹5 Lakh | ₹12,000 | 600+ | Up to 6% | Nil after 6 EMI | 2 hrs |
Why Do Personal Loan Rates Vary So Much?
Your CIBIL score is the single biggest factor. Here is what to expect:
Other factors that affect your rate: employer category, monthly salary, city, and existing EMI obligations.
Plan Your Personal Loan EMI
Monthly EMI
₹16,607
Total Interest
₹97,858
Total Payable
₹5,97,858
Documents Required
Common Questions
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