Personal Loan

Compare personal loan providers, indicative rate ranges, digital journeys, and official apply links in one place.

Unsecured borrowing for medical, travel, family, debt-consolidation, and planned personal needs.

₹5,000 to ₹40 lakh+ 3 months to 7 years
Provider comparison

13 options in this category

Provider Type Interest / rate note Amount Tenure
HDFC Bank
Private bank known for fast processing, cards, and digital retail journeys.
Private Bank Home Loan: 8.70% - 9.80% | Personal Loan: 10.50% - 24.00% Higher limits possible for eligible profiles Up to 6 years+ depending on product Details
ICICI Bank
Private bank with strong retail lending and digital-first application flow.
Private Bank Home Loan: 8.75% - 9.90% | Personal Loan: 10.65% - 16.00% Profile dependent Varies by product Details
Navi
App-led lender discovery path for small-ticket personal and selected home-loan journeys.
Loan App 9.90% - 36% p.a. ₹5,000 to ₹20 lakh+ depending on product Short to medium tenure Details
MoneyTap
App-led credit line product suited for quick-ticket borrowing comparisons.
Loan App 1.08% - 2.3% p.m. Small to mid-ticket credit line Flexible usage based on approved line Details
KreditBee
Instant personal-loan app for smaller-ticket borrowing needs.
Loan App 1.02% - 2.49% p.m. Small-ticket to moderate-ticket loans Short to medium tenure Details
Fibe
Digital app-led personal-loan platform formerly known as EarlySalary.
Loan App 1.50% - 2.5% p.m. Small-ticket to moderate-ticket loans Short to medium tenure Details
Tata Capital
NBFC brand with personal, business, and other structured loan offerings.
NBFC 10.99% onwards Profile dependent Depends on product Details
Canara Bank
Public-sector bank with mainstream retail borrowing products.
Public Sector Bank Home Loan: 8.40% - 10.55% | Personal Loan: 10.65% - 15.50% Profile dependent Long tenure available on home loans Details
Union Bank of India
Nationalized bank for retail and working-capital style borrowing needs.
Public Sector Bank Home Loan: 8.35% - 10.75% | Personal Loan: 11.40% - 15.00% Profile dependent Varies by product and borrower fit Details
Bank of India
Public-sector bank with retail loan reach and traditional branch trust.
Public Sector Bank Home Loan: 8.30% - 10.00% | Personal Loan: 10.25% - 14.75% Profile dependent Varies by product Details
Kotak Mahindra Bank
Private bank with retail loan and card-oriented offerings.
Private Bank Home Loan: 8.70% onwards | Personal Loan: 10.99% onwards Profile dependent Varies by product Details
IDFC FIRST Bank
Private bank with digital loan discovery and credit products.
Private Bank Home Loan: 8.85% onwards | Personal Loan: 10.49% onwards Profile dependent Varies by product Details
IndusInd Bank
Private bank with broad unsecured borrowing visibility.
Private Bank Home Loan: 8.50% - 10.50% | Personal Loan: 10.25% - 26.00% Profile dependent Varies by product Details
Borrow better

Need help comparing lenders before you apply?

Compare a few lenders, estimate EMI, read one guide, and then move only to the official page that best matches your need.

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How to compare Personal Loan options well

Do not compare only the headline rate. Look at total repayment, processing fees, loan amount fit, tenure flexibility, foreclosure rules, and how cleanly the provider explains the journey on the official website.

For users with stronger profiles, especially a healthier CIBIL score and stable income, public-sector and major private banks can be useful comparison points. For urgent small-ticket needs, instant loan apps and NBFC-led journeys may be faster, but they often deserve more careful fee checking.

Before proceeding, read at least one guide, compare two to four providers side by side, and then move to the official apply page instead of applying blindly everywhere.

Private Bank
HDFC Bank

Private bank known for fast processing, cards, and digital retail journeys.

Rate: Home Loan: 8.70% - 9.80% | Personal Loan: 10.50% - 24.00% Amount: Higher limits possible for eligible profiles Tenure: Up to 6 years+ depending on product
Private Bank
ICICI Bank

Private bank with strong retail lending and digital-first application flow.

Rate: Home Loan: 8.75% - 9.90% | Personal Loan: 10.65% - 16.00% Amount: Profile dependent Tenure: Varies by product
Loan App
Navi

App-led lender discovery path for small-ticket personal and selected home-loan journeys.

Rate: 9.90% - 36% p.a. Amount: ₹5,000 to ₹20 lakh+ depending on product Tenure: Short to medium tenure
Loan App
MoneyTap

App-led credit line product suited for quick-ticket borrowing comparisons.

Rate: 1.08% - 2.3% p.m. Amount: Small to mid-ticket credit line Tenure: Flexible usage based on approved line
Loan App
KreditBee

Instant personal-loan app for smaller-ticket borrowing needs.

Rate: 1.02% - 2.49% p.m. Amount: Small-ticket to moderate-ticket loans Tenure: Short to medium tenure
Loan App
Fibe

Digital app-led personal-loan platform formerly known as EarlySalary.

Rate: 1.50% - 2.5% p.m. Amount: Small-ticket to moderate-ticket loans Tenure: Short to medium tenure
NBFC
Tata Capital

NBFC brand with personal, business, and other structured loan offerings.

Rate: 10.99% onwards Amount: Profile dependent Tenure: Depends on product
Public Sector Bank
Canara Bank

Public-sector bank with mainstream retail borrowing products.

Rate: Home Loan: 8.40% - 10.55% | Personal Loan: 10.65% - 15.50% Amount: Profile dependent Tenure: Long tenure available on home loans
Public Sector Bank
Union Bank of India

Nationalized bank for retail and working-capital style borrowing needs.

Rate: Home Loan: 8.35% - 10.75% | Personal Loan: 11.40% - 15.00% Amount: Profile dependent Tenure: Varies by product and borrower fit
Public Sector Bank
Bank of India

Public-sector bank with retail loan reach and traditional branch trust.

Rate: Home Loan: 8.30% - 10.00% | Personal Loan: 10.25% - 14.75% Amount: Profile dependent Tenure: Varies by product
Private Bank
Kotak Mahindra Bank

Private bank with retail loan and card-oriented offerings.

Rate: Home Loan: 8.70% onwards | Personal Loan: 10.99% onwards Amount: Profile dependent Tenure: Varies by product
Private Bank
IDFC FIRST Bank

Private bank with digital loan discovery and credit products.

Rate: Home Loan: 8.85% onwards | Personal Loan: 10.49% onwards Amount: Profile dependent Tenure: Varies by product
Private Bank
IndusInd Bank

Private bank with broad unsecured borrowing visibility.

Rate: Home Loan: 8.50% - 10.50% | Personal Loan: 10.25% - 26.00% Amount: Profile dependent Tenure: Varies by product
Typical documents

Personal Loan basics

  • PAN and Aadhaar
  • Salary slips or income proof
  • Bank statements
  • Address proof
  • Employment or business details
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FAQs

Quick answers for Personal Loan

What improves approval?

A healthier CIBIL score, stable income, lower existing EMI burden, and cleaner repayment history help.

Should I apply everywhere?

No. Compare a few suitable providers and then use official apply routes carefully.