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Compare Personal Loan Offers from Top Private Banks to Find the Best Match for Your Financial Needs. Instantly evaluate Interest Rates, Loan Terms, Fees, Income Criteria, & Minimum CIBIL Score. Make a Smart Choice & Apply Online — Check Your Offer in Just 2 min.
| Choose Your Lender | Rate of Interest | Processing Fees | Loan Amount Up to | Loan Tenure Up to | |
|---|---|---|---|---|---|
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9.99% - 14.5%Rate of Interest |
₹3,499 - ₹6,500PF + GST add extra |
₹1L - ₹50LLoan Amount |
12 - 84 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Foreclose your personal loan after paying just 1 EMI. Charges apply at 4% + GST of principal outstanding from 1 to 24 months, 3% + GST for 25 to 36 months, & 2% + GST after 36 months as per Bank policy. Note: Foreclosure charges are NIL for eligible Golden Edge borrowers (When closed through one's own funds, in normal cases, or for balance transfer). 🧩 Part-Payment Rules:Part-payments are allowed only after completion of 12 EMIs. Part-payment charges apply at 4% + GST when the loan is between 12 to 24 months old, 3% + GST for 25 to 36 months & 2% + GST after 36 months. Part-payments are allowed only twice during the loan tenure & part-payment cannot exceed 25% of the principal outstanding.
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10.35% - 16.5%Rate of Interest |
₹5,999, 1%-2%PF + GST add extra |
₹50K - ₹50LLoan Amount |
12 - 84 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Foreclose/pre-close is allowed after 12 EMIs. For Personal loan amounts above 10 lakh, foreclosure charges are NIL only when closed through own funds. However, for loan amounts below ₹10 lakh, charges at 4% + GST on principal outstanding is applicable, similar to Balance Transfer norms, as per Bank Policy. 🧩 Part-Payment Rules:Part-prepayment is generally NOT allowed.
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9.99% - 20.5%Rate of Interest |
₹4,999, 1%-3%PF + GST add extra |
₹1L - ₹1 Cr.Loan Amount |
12 - 84 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Foreclose/pre-close is allowed only after completion of 9 months from the date of loan disbursal. Pre-closure charges after 9 months are 5% + GST on the principal outstanding, along with applicable foreclosure charges, as per Bank Policy. 🧩 Part-Payment Rules:Part-payments are allowed only for loan amounts above ₹15 lakh after completion of 9 months. A part-payment fee of 2% + GST on the paid amount. Part-payment is allowed only twice in a year, and the amount cannot exceed 40% of the principal outstanding.
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9.99% - 15.5%Rate of Interest |
₹6,999, 1%-2%PF + GST add extra |
₹50K - ₹50LLoan Amount |
12 - 84 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:You can foreclose/pre-close your personal loan after paying at least 1 EMI. However, if you close the loan before paying 12 EMIs, the bank will usually charge 3% of the outstanding principal amount + GST as per Bank Policy. If 12 or more EMIs have been paid, foreclosure charges are typically waived (no charge). 🧩 Part-Payment Rules:Part-prepayment is generally NOT allowed.
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9.75% - 17.5%Rate of Interest |
₹1,999, 1%-3%PF + GST add extra |
₹50K - ₹40LLoan Amount |
12 - 84 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:You can foreclose/pre-close your Personal Loan after paying just 1 EMI. For Personal loan amounts above 10 lakh, foreclosure charges are NIL only when closed through own funds. For loan amounts below ₹10 lakh, charges at 3% + GST up to 36 EMIs & 2% + GST after 36 EMIs, similar to Balance Transfer norms, as per Bank Policy. 🧩 Part-Payment Rules:Part-payment is allowed only after 12 EMIs up to 25% of principal outstanding in one year is NIL with a minimum gap of 12 EMIs. Any amount above 25% is charged only on the Excess at 3% + GST up to 36 EMIs & 2% + GST after 36 EMIs. Charges also apply if part-payment is done before 12 EMIs or more than once in a year.
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10.85% - 17.5%Rate of Interest |
1% - 2.5%PF + GST add extra |
₹50K - ₹40LLoan Amount |
12 - 72 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Foreclose/pre-close is allowed after 12 months. Charges are 12–24 months: 4% + GST, 25–36 months: 3% + GST, and above 36 months: 2% + GST on principal outstanding. Charges are the same as applicable for balance transfer cases. 🧩 Part-Payment Rules:Part-payments are allowed after 12 months. Charges are 12–24 months: 4% + GST, 25–36 months: 3% + GST, and above 36 months: 2% + GST. Payments are allowed only twice a year. Amount cannot exceed 25% of the principal outstanding.
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9.97% - 17.2%Rate of Interest |
0.5% - 3%PF + GST add extra |
₹50K - ₹50LLoan Amount |
12 - 72 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Foreclose/pre-close your personal loans post payment of 1st EMI. Up to 3 years, foreclosure charges are 4% + GST on outstanding principal. For the period after 3 years, the foreclosure charges are 2% plus GST on the outstanding principal, along with applicable foreclosure charges, as per Bank Policy. 🧩 Part-Payment Rules:Part-prepayment is generally NOT allowed.
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11.49% - 18.5%Rate of Interest |
1% - 2.5%PF + GST add extra |
₹50K - ₹50LLoan Amount |
12 - 72 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Foreclose/pre-close is allowed after completion of 12 EMIs. Pre-closure charges are applied on the outstanding principal and are 5% + GST if foreclosed within 13–24 months, 4% + GST if foreclosed within 25–36 months, and 3% + GST thereafter, along with applicable foreclosure charges, as per Bank Policy. 🧩 Part-Payment Rules:Part-prepayment is generally NOT allowed.
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10.25% - 19.5%Rate of Interest |
1% - 3%PF + GST add extra |
₹50K - ₹30LLoan Amount |
12 - 60 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Foreclosure of a personal loan is generally allowed after completion of 12 EMIs. Pre-closure charges are applicable on the principal outstanding and typically range around 2%–5% + GST, depending on tenure and loan terms as per Bank Policy. 🧩 Part-Payment Rules:Part-prepayment is generally NOT allowed.
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12.25% - 24%Rate of Interest |
1% - 3%PF + GST add extra |
₹50K - ₹50LLoan Amount |
12 - 72 MonthsLoan Tenure |
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🔚 Fore-Closure Rules:Foreclosure is allowed after 6 months from disbursement. Nil charges if closed with own funds. Otherwise, 4% + GST on outstanding principal if closed through balance transfer or other source. 🧩 Part-Payment Rules:Part-payment is allowed after 6 months of loan tenure. Customers can make multiple part-payments without any limit on the number of transactions, and no part-payment charges are applicable.
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12.49% - 22%Rate of Interest |
1% - 3%PF + GST add extra |
₹1L - ₹50LLoan Amount |
12 - 84 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Foreclose/pre-close your Personal Loan after paying 12 EMIs. Foreclosure charges are typically 3% + GST on the principal outstanding if closed within the first 13 - 36 months, and 2% + GST if closed after 36 months, according to the latest charge schedule Policy. 🧩 Part-Payment Rules:Part-payment is allowed after 12 months of loan tenure. Part-payments are allowed only twice during the loan tenure & part-payment cannot exceed 25% of the principal outstanding. Applicable charges: 3% + GST, as per the loan agreement.
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12.45% - 18%Rate of Interest |
1.5% - 3.5%PF + GST add extra |
₹1L - ₹50LLoan Amount |
12 - 84 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Foreclosure (full pre-closure) of a personal loan is generally permitted only after 12 months from the date of loan disbursement. The lender charges a pre-closure fee, usually up to around 4% + GST of the principal outstanding. 🧩 Part-Payment Rules:Part-payment is typically allowed after 12 months of the loan. Part payment up to 20% of the disbursed amount in a year may be allowed without charges; if part payment exceeds 20% in a year, a 3% + GST charge on the remaining principal may apply.
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10.99% – 24%Rate of Interest |
0.75% - 3%PF + GST add extra |
₹1L - ₹50LLoan Amount |
12 - 84 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:You can foreclose your personal loan after paying 6 EMIs. If you close the loan within 12 months, a charge of 6.5% + GST on the outstanding principal will apply. If you foreclose after 12 months, the charge will be 4.5% + GST on the remaining principal amount. 🧩 Part-Payment Rules:Part-payment is allowed after 6 EMIs. Part-payments are allowed only twice during the loan tenure & part-payment cannot exceed 25% of the principal outstanding. Applicable charges 4.5% + GST may apply as per the loan agreement.
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10.50% - 24%Rate of Interest |
1% - 4%PF + GST add extra |
₹1L - ₹50LLoan Amount |
12 - 96 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Foreclosure is allowed after 1 month of EMIs have been paid. If you choose to pre-close the loan after 1 month, a foreclosure charge of 4% + applicable GST will be levied on the outstanding principal amount at the time of closure. 🧩 Part-Payment Rules:Part-payment is permitted after 1 month from disbursement. A charge of 4% + applicable GST will apply on the part-payment amount made. The charge is calculated only on the amount being prepaid.
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19.00% - 28%Rate of Interest |
2.5% - 3.5%PF + GST add extra |
₹1L - ₹25LLoan Amount |
12 - 36 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Pre-payments can be made only after completing 6 months of EMIs. If you choose to foreclose the loan after 6 months, a pre-closure charge of 7% + applicable GST will be applicable on the principal outstanding amount at the time of closure. 🧩 Part-Payment Rules:Part-prepayment is generally NOT allowed.
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15.50% - 26%Rate of Interest |
1.5% - 3%PF + GST add extra |
₹1L - ₹30LLoan Amount |
12 - 60 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Pre-payments can be made only after completing 6 months of EMIs. If the loan is foreclosed between 6–17 months, a charge of 7% + GST on the principal outstanding will apply. For foreclosure between 18–23 months, the charge is 5% + GST, & between 24–35 months, the charge reduces to 3% + GST on the outstanding principal. If the loan is foreclosed after 36 months, no foreclosure charges are applicable. 🧩 Part-Payment Rules:Part-prepayment is generally NOT allowed.
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14.00% - 22%Rate of Interest |
2% - 3.5%PF + GST add extra |
₹50K - ₹10LLoan Amount |
12 - 60 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Pre-payments can be made only after completing 12 months from the loan disbursement date. If the loan is foreclosed after 12 months, a pre-closure charge of 5% to 7% + applicable GST will be levied on the principal outstanding amount at the time of closure. 🧩 Part-Payment Rules:Part-prepayment is generally NOT allowed.
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15.95% - 32%Rate of Interest |
2% - 3.5%PF + GST add extra |
₹50K - ₹10LLoan Amount |
12 - 60 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Pre-payments can be made only after completing 6 EMIs. If the loan is foreclosed after 6 EMIs, a pre-closure charge of 5% + GST on the principal outstanding will apply. 🧩 Part-Payment Rules:Part-prepayment is generally NOT allowed.
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11.50% - 18%Rate of Interest |
1.5% - 3%PF + GST add extra |
₹1L - ₹30LLoan Amount |
12 - 72 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Pre-closure is allowed after paying 1 month of EMIs. If you foreclose the loan after 1 month, a pre-closure charge of 4% + applicable GST on the principal outstanding will be applicable at the time of loan closure. 🧩 Part-Payment Rules:Part-payment is also allowed after paying 1 month of EMIs. A charge of 4% + applicable GST on the part-payment amount will apply on the amount paid in advance.
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15.49% - 30%Rate of Interest |
2% - 3.5%PF + GST add extra |
₹50K - ₹10LLoan Amount |
12 - 60 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Pre-payments can be made only after completing 6 EMIs. If the loan is foreclosed after 6 EMIs, a pre-closure charge of 5% + GST on the principal outstanding will apply. A 15-day advance notice is required to initiate the foreclosure process. 🧩 Part-Payment Rules:Part-prepayment is generally NOT allowed.
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14.50% - 28%Rate of Interest |
2% - 4%PF + GST add extra |
₹1L - ₹20LLoan Amount |
12 - 72 MonthsLoan Tenure |
Request Now |
🔚 Fore-Closure Rules:Pre-payments can be made only after completing 6 EMIs. If the loan is foreclosed between 7–12 months, a 6% + GST charge on the principal outstanding will apply. If the loan is closed after 12 months, a 4% + GST charge on the principal outstanding will be applicable. 🧩 Part-Payment Rules:Part-prepayment is generally NOT allowed.
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Check Latest BlogsFrequently Asked Questions❓
A personal loan is an unsecured loan that helps you meet financial needs such as medical emergencies, travel, weddings, education, debt consolidation, or home renovation. Since no collateral is required, approval is faster and the funds can be used for any personal purpose.
Salaried individuals with stable income, minimum aged 21–60 years with stable income and a good CIBIL score (650+) are eligible for a personal loan. Eligibility also depends on employment type, work experience, and existing financial obligations.
Interest rates usually start from 9.99% per annum and vary based on your income, employer category, credit score, loan amount and loan tenure. Additional charges may include processing fees, late payment penalties, part-payment fees, or foreclosure charges, which differ from one lender to another.
Commonly required documents include PAN card, Aadhaar card, recent salary slips or income proof, bank statements for the last 3–6 months, and address proof. Document requirements may vary depending on the lender and applicant profile.
The personal loan amount you can get depends on your monthly income, employment stability, existing EMIs, and credit score. Generally, loan amounts range from ₹50,000 up to ₹1 Cr. or more for eligible applicants. Higher income and strong credit profiles improve eligibility for larger loan amounts.
Personal loan repayment tenures typically range from 12 months to 84 months. Choosing a longer tenure lowers your EMI but increases total interest paid, while a shorter tenure helps reduce overall interest cost. Applicants should choose a tenure that balances EMI affordability and interest savings.
Yes, you can apply for a personal loan online through banks and NBFCs with a 100% digital process. Online applications offer benefits like instant eligibility check, minimal documentation, quick approval, and fast disbursal directly to your bank account, often within 24 hours. This saves time and avoids branch visits.
No, a personal loan is an unsecured loan, so no collateral, property, or guarantor is required. Approval is based on factors such as monthly income, employment stability, credit score, and repayment history, making it a convenient option for salaried and self-employed individuals.
Yes, most banks and NBFCs allow personal loan foreclosure or part-payment after completing a mandatory lock-in period (usually 6–12 months). Foreclosure helps close the loan early and save interest, while part-payment reduces EMI or tenure. Foreclosure or prepayment charges may apply depending on lender policy.
Yes, top banks and NBFCs use secure encryption and RBI-compliant systems to protect your personal and financial data. Personal loan applications are processed using secure systems and strict data protection standards. Your personal and financial information is kept confidential and shared only with authorized lenders for loan processing, ensuring a safe and transparent borrowing experience.
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