Get the Personal Loan You Need to Achieve Your Goals! Apply for a Personal Loan Today!
Explore our wide range of Personal Loan options designed to fit your unique requirements.
- Banks & NBFCs
- 70+ Banks & NBFCs
- Loan products
- 7 Loan products
- Max loan size
- ₹15 Cr Max loan size
- Impact on credit score to compare
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Personal Loan
Unsecured funds up to ₹75 Lakhs — minimal docs, quick disbursal.
- Unsecured Personal Loan via 20 partner lenders
- 70+ banks & NBFCs
- Quick approval & disbursal
- Bank-grade data security
- Compare with zero credit-score impact
Personal Loan options
The personal loan products we help you compare and apply for across our partnered banks and NBFCs.
- Unsecured Personal Loan via 20 partner lenders
Key features & benefits
Instant personal loan online, fast and hassle-free
Competitive interest rates and quick approvals
Use cases
travel, home renovation, wedding, medical emergency
20-lender comparison
EMI calculator
No restrictions on end-use
Loan amounts up to Rs. 75 Lakhs
Top-up loan options
Minimal documentation, quick disbursals
Personal Loan interest rates
Indicative personal loan rates, processing fees and loan amounts across our partnered banks and NBFCs. Final terms are set by the lender on approval.
| Bank / NBFC | Interest Rate | Processing Fee | Loan Amount | Apply |
|---|---|---|---|---|
| ICICI Bank | 10.75% - 15.75% | 1% + GST | 1 lacs to 50 lacs | Apply |
| Kotak Mahindra Bank | 10.50% - 14.00% | 1% + GST | 1 lacs to 50 lacs | Apply |
| HDFC Bank | 10.50% - 14.00% | 1% + GST | 1 lacs to 50 lacs | Apply |
| Axis Bank | 10.75% - 14.75% | 1% + GST | 1 lacs to 50 lacs | Apply |
| IDFC Bank | 10.75% - 20.00% | 1% + GST | 1 lacs to 50 lacs | Apply |
| Tata Capital | 10.75% - 20.00% | 1% + GST | 1 lacs to 50 lacs | Apply |
| Aditya Birla Bank | 10.75% - 20.00% | 1% + GST | 1 lacs to 50 lacs | Apply |
| IndusInd Bank | 10.75% - 20.00% | 1% + GST | 1 lacs to 50 lacs | Apply |
| Godrej Capital | 17.00% | 3% + GST | 5 lacs to 50 lacs | Apply |
| L&T Finance | 12.50% to 25% | 2% + GST | 1 lacs to 50 lacs | Apply |
| Axis Finance | 10.50% to 12.50% | 0.75% to 1% + GST | 20 lacs to 15 crore | Apply |
| Bajaj Finance | 09.75% to 30.00% | upto 3.54% | 2 lacs to 80 lacs | Apply |
| Piramal | 16.49% | upto 5% + GST | 3 lacs to 20 lacs | Apply |
| Yes Bank | 10.75% to 16.00% | 1% + GST | 1 Lacs to 30 Lacs | Apply |
| Bandhan Bank | 11.50% to 16.50% | 1% + GST | 1 Lacs to 25 Lacs | Apply |
| SMFG India Credit | 12.50% to 18.00% | 2% + GST | 1 Lacs to 30 Lacs | Apply |
| SMFG India Credit | 14.00% to 24.00% | 2% + GST | 1 Lacs to 20 Lacs | Apply |
| Incred | 21.00% to 33.00% | 2% + GST | 1 Lacs to 15 Lacs | Apply |
| Incred | 16.00% to 26.00% | 2% + GST | 1 Lacs to 20 Lacs | Apply |
| Poonawala | 15.00% | 3% GST | 10 lacs to 50 lacs | Apply |
ICICI Bank
Apply- Interest Rate
- 10.75% - 15.75%
- Processing Fee
- 1% + GST
- Loan Amount
- 1 lacs to 50 lacs
Kotak Mahindra Bank
Apply- Interest Rate
- 10.50% - 14.00%
- Processing Fee
- 1% + GST
- Loan Amount
- 1 lacs to 50 lacs
HDFC Bank
Apply- Interest Rate
- 10.50% - 14.00%
- Processing Fee
- 1% + GST
- Loan Amount
- 1 lacs to 50 lacs
Axis Bank
Apply- Interest Rate
- 10.75% - 14.75%
- Processing Fee
- 1% + GST
- Loan Amount
- 1 lacs to 50 lacs
IDFC Bank
Apply- Interest Rate
- 10.75% - 20.00%
- Processing Fee
- 1% + GST
- Loan Amount
- 1 lacs to 50 lacs
Tata Capital
Apply- Interest Rate
- 10.75% - 20.00%
- Processing Fee
- 1% + GST
- Loan Amount
- 1 lacs to 50 lacs
Aditya Birla Bank
Apply- Interest Rate
- 10.75% - 20.00%
- Processing Fee
- 1% + GST
- Loan Amount
- 1 lacs to 50 lacs
IndusInd Bank
Apply- Interest Rate
- 10.75% - 20.00%
- Processing Fee
- 1% + GST
- Loan Amount
- 1 lacs to 50 lacs
Godrej Capital
Apply- Interest Rate
- 17.00%
- Processing Fee
- 3% + GST
- Loan Amount
- 5 lacs to 50 lacs
L&T Finance
Apply- Interest Rate
- 12.50% to 25%
- Processing Fee
- 2% + GST
- Loan Amount
- 1 lacs to 50 lacs
Axis Finance
Apply- Interest Rate
- 10.50% to 12.50%
- Processing Fee
- 0.75% to 1% + GST
- Loan Amount
- 20 lacs to 15 crore
Bajaj Finance
Apply- Interest Rate
- 09.75% to 30.00%
- Processing Fee
- upto 3.54%
- Loan Amount
- 2 lacs to 80 lacs
Piramal
Apply- Interest Rate
- 16.49%
- Processing Fee
- upto 5% + GST
- Loan Amount
- 3 lacs to 20 lacs
Yes Bank
Apply- Interest Rate
- 10.75% to 16.00%
- Processing Fee
- 1% + GST
- Loan Amount
- 1 Lacs to 30 Lacs
Bandhan Bank
Apply- Interest Rate
- 11.50% to 16.50%
- Processing Fee
- 1% + GST
- Loan Amount
- 1 Lacs to 25 Lacs
SMFG India Credit
Apply- Interest Rate
- 12.50% to 18.00%
- Processing Fee
- 2% + GST
- Loan Amount
- 1 Lacs to 30 Lacs
SMFG India Credit
Apply- Interest Rate
- 14.00% to 24.00%
- Processing Fee
- 2% + GST
- Loan Amount
- 1 Lacs to 20 Lacs
Incred
Apply- Interest Rate
- 21.00% to 33.00%
- Processing Fee
- 2% + GST
- Loan Amount
- 1 Lacs to 15 Lacs
Incred
Apply- Interest Rate
- 16.00% to 26.00%
- Processing Fee
- 2% + GST
- Loan Amount
- 1 Lacs to 20 Lacs
Poonawala
Apply- Interest Rate
- 15.00%
- Processing Fee
- 3% GST
- Loan Amount
- 10 lacs to 50 lacs
Rates are indicative and lender-provided; they vary by profile, amount and tenure. PakkaLoan does not lend directly.
Eligibility & documents
Check that you meet the criteria and keep these documents handy for a faster approval.
Eligibility criteria
- Age should fall under the range of 21 years to 60 years
- Net monthly income should be ₹15,000 for salaried and self-employed, yearly transactions should be a minimum of ₹20 lakhs
- Debt-to-income ratio
- Employment stability
- Maintained a good credit score
- Clear repayment history
- Must be a Resident Citizen of India
Documents required
- Identity Proof
- Passport, Voter's ID, Driving License, PAN Card, Aadhaar Card
- Residence/Address Proof
- Passport, Voter's ID, Driving License, PAN Card, Aadhaar Card, Electricity Bill, Telephone Bill, Ration Card
- Age Proof
- Passport, Voter's ID, Driving License, PAN Card, Aadhaar Card
- Income Proof
- 1 year Bank statement, 3 months Salary Slips
- Employment Proof
- Employment Certificate, Office address proof
- GST or VAT Registration
- For Self-employed individuals
- Photograph
- Passport-size photographs
- Business Proof
- Business registration documents such as a partnership deed, Memorandum of Association (MOA), Articles of Association (AOA), etc.
- Income Tax Returns
- Documents of the past 2-3 years to verify income and tax payment history
Fees & charges
The fees and charges usually vary from lender to lender and from case to case.
| Particulars | Charges |
|---|---|
| Loan Processing Fees | 0.5% to 4% of Loan Amount |
| Loan Cancellation | Usually 3000 to 5% of Loan Amount |
| Stamp Duty Charges | As per the Value of the Property and State Tax |
| Legal Fees | As per actual |
| Penal Charges | Usually 2% per month |
| EMI / Cheque Bounce | Approx 499/- to 599/- |
Loan Processing Fees
0.5% to 4% of Loan Amount
Loan Cancellation
Usually 3000 to 5% of Loan Amount
Stamp Duty Charges
As per the Value of the Property and State Tax
Legal Fees
As per actual
Penal Charges
Usually 2% per month
EMI / Cheque Bounce
Approx 499/- to 599/-
Estimate your personal loan EMI
Seeded with indicative personal loan terms. Adjust the amount, rate and tenure to see your monthly instalment and total interest.
Personal Loan EMI calculator
Drag the sliders to estimate your monthly instalment, total interest and total amount payable. Figures are indicative.
- Principal78%
- Interest22%
Monthly EMI
₹81,207
over 60 monthly installments
Principal amount
₹38,00,000
Total interest
₹10,72,420
22.0% of total payment
Total payable
₹48,72,420
principal + interest
Checking offers won't affect your credit score.
Personal Loan FAQs
Common questions about personal loan eligibility, rates, tenure and repayment.
A personal loan is an unsecured loan that can be used for various personal expenses, such as medical bills, home renovation, education, travel, or any other financial needs.
Eligibility for a personal loan typically depends on factors like income, age, credit score, employment status, and debt-to-income ratio. Each lender has specific criteria that you must meet.
The loan amount you can borrow with a personal loan varies by lender and your eligibility. It usually ranges from ₹50,000 to ₹50 lakhs depending on your creditworthiness and income.
Repayment tenures for personal loans usually range from 1 to 5 years, depending on the lender and loan agreement. The tenure can affect your EMI amount and the total interest payable.
Yes, most lenders allow prepayment or foreclosure of personal loans, but some may charge a penalty fee. It is advisable to check the terms and conditions of your loan before prepaying.
Interest rates for personal loans depend on various factors, including your credit score, lender policies, and loan tenure. Typically, personal loan interest rates range from 10% to 24%.
Yes, most banks and financial institutions offer the option to apply for a personal loan online. The process is usually simple, requiring you to submit the necessary documents digitally.
The approval and disbursement time for a personal loan can vary by lender, but many lenders offer quick approval processes, especially if you apply online. If all documents are in order, approval can take as little as 24 to 48 hours, and disbursement may happen within 1 to 3 working days.
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Apply for your Personal Loan today
One application, multiple lenders. Compare offers and pick the best — checking won’t affect your credit score.