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A personal loan is an unsecured loan that you can use for various personal expenses. Unlike secured loans like mortgages or car loans, personal loans don’t require collateral. This means you can borrow money without putting up any assets as security.
isclaimer: Finoneeds works with a network of lenders. They can compare loan offers from these lenders and help you apply for the one that best suits your needs. Essentially, they act as a go-between for you and the lenders.
A personal loan is an unsecured loan that you can use for various personal expenses. Unlike secured loans like mortgages or car loans, personal loans don’t require collateral. This means you can borrow money without putting up any assets as security.
isclaimer: Finoneeds works with a network of lenders. They can compare loan offers from these lenders and help you apply for the one that best suits your needs. Essentially, they act as a go-between for you and the lenders.
A personal loan is an unsecured loan that you can use for various personal expenses. Unlike secured loans like mortgages or car loans, personal loans don’t require collateral. This means you can borrow money without putting up any assets as security.
Disclaimer: Finoneeds works with a network of lenders. They can compare loan offers from these lenders and help you apply for the one that best suits your needs. Essentially, they act as a go-between for you and the lenders.
A personal loan is an unsecured loan that you can use for various personal expenses. Unlike secured loans like mortgages or car loans, personal loans don’t require collateral. This means you can borrow money without putting up any assets as security.
Disclaimer: Finoneeds works with a network of lenders. They can compare loan offers from these lenders and help you apply for the one that best suits your needs. Essentially, they act as a go-between for you and the lenders.
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| Financial Institutions ▲ | Rate of Interest ▲ | Loan Amount ▲ | Processing Fee ▲ | Foreclosure Condition ▲ | Foreclosure Charges ▲ | Part Payment Options ▲ | Disbursal TAT ▲ | Minimum Monthly Income ▲ |
|---|---|---|---|---|---|---|---|---|
| HSBC Bank Personal Loan | 9.99% - 16.00% p.a. | Up to Rs.35 lakh | 1% | Post 1 Year | 4% | NO | 3-4 Days | 30K |
| HDFC Bank Personal Loan | 10.75% - 24.00% p.a. | Up to Rs.45 lakh | Up to 7999/- | Post 1st EMI | 4% | NO | 1-2 Days | 30K |
| IndusInd Bank Personal Loan | 10.49% p.a. onwards | Up to Rs.30 lakh | 1.50% | Post 1 Year | 4% | NO | 3-4 Days | 30K |
| ICICI Bank Personal Loan | 10.85% - 16.25% p.a. | Up to Rs.45 lakh | Up to 9999/- | Post 6 Months | 4% | NO | 1-2 Days | 30K |
| Yes Bank Personal Loan | 11.25% p.a. - 21% p.a. | Up to Rs.25 lakh | 1.50% | Post 1 Year | 4% | NO | 3-4 Days | 30K |
| Kotak Mahindra Bank Personal Loan | 10.99% p.a. onwards | Up to Rs.35 lakh | 1.50% | Post 1 Year | 4% | NO | 3-4 Days | 30K |
| IDFC First Bank Personal Loan | 10.99% p.a. onwards | Up to Rs.25 lakh | 1-2% | Post 6 Months | 4% | NO | 1 Day | 28K |
| Tata Capital | 10.99% onwards | Up to Rs.25 lakh | 1.5-2% | Post 6 Months | 4% | Yes | 2-3 Days | 30K |
| Bajaj Finance | 10.99% onwards | Up to 38 Lakhs | Up to 2% | Post 3 Months | 4% | Yes | 1 Day | 35K |
| SMFG India | 13% onwards | Up to Rs.20 lakh | Up to 3% | Post 6 Months | 4% | NO | 3-4 Days | 30K |
| Aditya Birla Capital | 14% onwards | Up to Rs.35 lakh | Up to 3% | Post 1 Year | 4% | Yes | 3-4 Days | 30K |
| Credit Saison | 16% onwards | Up to Rs.15 lakh | Up to 2.5% | Post 1 Year | 4% | NO | 3-4 Days | 30K |
| Fincare | 20% onwards | Up to Rs.5 lakh | Up to 4% | Post 6 Months | 4% | NO | 2-3 Days | 30K |
| Incred Finance | 24% onwards | Up to Rs.10 lakh | Up to 4% | Post 6 Months | 4% | NO | 2-3 Days | 30K |
| L&T Finance | 16% onwards | Up to Rs.25 lakh | 1.5-2% | Post 6 Months | 4% | YES | 2-3 Days | 30K |
| Cholamandalam Finance | 13% onwards | Up to Rs.25 lakh | Up to 3% | Post 6 Months | 4% | NO | 2-3 Days | 30K |
| Poonawalla Fincorp | 13% onwards | Up to Rs.40 lakh | 1.5-2% | Post 6 Months | 4% | YES | 2-3 Days | 30K |
Hassle free online process.
Pocket-friendly repayment
Int Rates: Floating rates from 8.50% to 9.50%
Tenure: extend up to 30 years
Processing Fess: 0.25% to 2% of the loan amount.
Hassle free online process
Pocket-friendly repayment
Int Rates: From 8.00% to 9.50%
Max Tenure: extend up to 30 years*
Processing Fess:0.5% to 1% of loan amt
Hassle free online process
Pocket-friendly repayment
Int Rates: From 8.00% to 9.50%
Max Tenure: extend up to 30 years*
Processing Fess:0.5% to 1% of loan amt
Hassle free online process.
Pocket-friendly repayment
Int Rates: 8.00% to 10.50%
Tenure: extend up to 30 years
Processing Fess: 0.5% to 1.5% of the loan amount, with a minimum amount of ₹3,000 plus GST.
Hassle free online process.
Pocket-friendly repayment
Int Rates: start from around 8.45% per annum
Tenure: extend up to 30 years
Processing Fess: 0.5% to 1% of the loan amount, with a minimum amount of ₹10,000 plus GST.
Hassle free online process
Pocket-friendly repayment
Int Rates: From 8.00% to 9.50%
Max Tenure: extend up to 20 years
Processing Fess: 0.5% to 1% of the loan amount, with a minimum amount of ₹10,000 plus GST
Hassle free online process
Pocket-friendly repayment
Int Rates: start from around 8.75% per annum
Max Tenure: extend up to 30 years
Processing Fess:0.5% to 2% of loan amt
Hassle free online process
Pocket-friendly repayment
Int Rates: start from around 8.95% per annum
Max Tenure: extend up to 30 years
Processing Fess: 0.5% to 1% of the loan amount, with a minimum amount of ₹10,000 plus GST
Hassle free online process
Pocket-friendly repayment
Int Rates: floating rates from around 8.95% per annum
Max Tenure: extend up to 30 years*
Processing Fess:0.5% to 1% of the loan amount, with a minimum amount of ₹10,000 plus GST.
Financial Institutions | Rate of Interest | Processing Fee | Loan Amount | For closure Condition and charges | Part Payment Options | Disbursal TAT | Minimum Monthy Income |
HDFC | 10.25%- 12.25% | Rs 4719 | Min. 50,000 Max. as per eligibility | Yes | 3 - 4 Working Days | Rs 25000 | 1-6 Years |
Bajaj Finance | 13.00% - 15% | Upto 1.50% | Upto Rs.35 Lacs | Yes | 24 Hrs | Rs 40000 for Metro and Rs 25000 for Non Metro | 1-7 Years |
IDFC | 10.75% - 13.45% | upto 3999 + GST | Min. 50,000 Max. as per eligibility | No | 1 - 2 Working Days | Rs 20000 | 1-5 Years |
ICICI | 10.50% - 17.50% | Rs.4999 for Special offers otherwise 1% - 1.5% | Min. 50,000 Max. as per eligibility | No | 3 - 4 Working days | Rs 25000 | 1-6 Years |
Standard Chartered | 11.00% - 12.50% | 1% | Rs.1,00,000 - Rs.50,00,000 | No | 1 - 2 Working Days | Rs 25000 | 1-5 Years |
Kotak Mahindra | 10.50% - 16.99% | 0.99% - 2.0% of Loan Amount | Rs.100,000 - Rs.20,00,000 | Yes | 3 - 4 Working days | Rs 25000 | 1-5 Years |
Tata Capital | 11.99% - 17% | 1.50%-2.00% | Rs.75,000 - Rs.15 Lacs | Yes | 1 - 2 Working Days | Rs 25000 | 1-6 Years |
Fullerton India | 11.99% - 26% | 1.00%-2.00% | Rs.50,000 - Rs.15,00,000 | No | 4 - 5 Working Days | Rs 20000 | 1-5 Years |
IndusInd Bank | 12.99%–20% | 0.5% -2% | Rs.1,00,000 - Rs.25,00,000 | No | 4 working days | Rs 25000 | 1-5 Years |
Yes Bank | 10.75% - 16.99% | 1-2% | Rs.100,000 - Rs.40,00,000 | Yes | 3 working days | Rs 25000 | 1-6 Years |
Axis Bank | 10.75% - 16.99% | 1.00%-2.00% | Rs.100,000 - Rs.30,00,000 | Yes | 48 Working days | Rs 20000 | 1-5 Years |
Additional Security Deposit | 99 | 99 | 99 | 99 | 9 | 9 | 99 |
Age | 18/21 years – 60/65 years |
Employment Type | Salaried |
Credit score | 750 or above with a good credit history |
Minimum Net Income (Monthly) | ₹15,000(non-metro cities) |
Loan Amount | Up to ₹50 lacs depending on the credit profile |
Work Experience | Salaried Employed at current company for at least 6/12 months Business tenure of at least 3 years (continuous) |
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