COMPARE BEST OFFERS OF PERSONAL LOAN ACROSS DIFFERENT BANKS

 

Personal loan

 

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A Personal loan is an immediate finance provided by the lender to the borrower. The borrower can avail personal loan from any lending institution, private sector bank as well as from government sector banks. Personal loan interest rates vary according to banks and customer profile. Some Institutions provide special offers to their regular customers like affordable interest rates, low processing fee, affordable EMIs and long tenure period. Check interest rates offered by different banks in the country.

Personal Loan Interest Rates - Updated

Banks CAT A Company CAT B Company CAT C & CAT D Company Pre-Payment Charges Processing Fees
HDFC Bank 13.00%- Salary Rs. 70000 or above 14.00%- Salary Rs. 70000 or above 16% and above 1.00 % to 4.00 % 2.00% to 2.5%
13.25%- Salary Between 50000 to & 70000 14.25%- Salary Between 50000 to & 70000
14.00%- Salary Between 30000 to & 50000 14.50% - Salary Between 30000 to & 50000
14.00%- Salary Below 30000 14.75%- Salary Below 30000
ICICI Bank 13.00% to 14.00% 13.50% to 15.00% 14.00% to 15.00% 2.00% to 5.00% 2.00%
Fullerton India 17.25% to 22.00% 17.25% to 25.00% 18.00% to 32.00% NA 2.00%
Bajaj Finserv 13.99% - 16.75% 13.99% - 16.75% 13.99% - 16.75% N.A. 2.00% - 3.00%
Axis Bank 16.00% to 18.00% 18.00% to 20.00% 18.50% to 22.00% Special Offers 2.00%
Citibank 16.00%- Salary Upto 30000 17.00%- Salary Upto 30000 17.00%- Salary Upto 30000 3.00% 1.00% to 2.00%
15.00%- Salary above 30000 16.00%- Salary above 30000 16.00%- Salary above 30000 N.A. N.A.
Standard Chartered Bank 16.00% to 17.00% 17.25% to 18.50% 18.25% to 19.00% N.A. N.A.
United Bank Of India 16.00% to 18.00% 16.00% to 18.00% 16.00% to 18.00% N.A. N.A.
State Bank of India and Group 16.75% to 21.00% with Guarantor  16.75% to 21.00 % with Guarantor  16.75% to 21.00% with Guarantor  4.00% 2.00% to 3.00%
Kotak Bank 18.00% to 19.00% 18.00% to 19.00% 18.00% to 19.00% 4.00% 2.00%
Corporation Bank 14.50% to 17.00% 14.50% to 17.00% 14.50% to 17.00% N.A. 1.5% to 5.00%
Andhra Bank 15.75% to 18.75% 15.75% to 18.75% 15.75% to 18.75% N.A. 2.00% - 3.00%
Bank of Baroda 15.00% to 17.00% 15.00% to 17.00% 15.00% to 17.00% N.A. 2.00%
ING Vysya 15.00%- Salary Rs. 70000 or above 15.50% to 16.50% Salary Rs. 70000 or above 16.5% to 18.00% Salary Rs. 70000 or above 4.00% 2.00%
Vijaya Bank 16.00% to 18.00% 16.00% to 18.00% 16.00% to 18.00% N.A. N.A.

 

How to avail the lowest personal loan Interest Rates?

Following are the features of lowest interest rates:

  1. Company Profile: The company profile may impact a lot in terms of interest rates. Banks have categorized the companies in different categories. They offer interest rates as per the category of company. So, if you are looking for  a good deal, do check your company category.
  2. Online Comparison: Person should do a detailed research online to compare the interest rates of all lenders. It helps the borrower to choose the best lender that suits their requirements. A person can use various tools like EMI Calculator , online comparison portals, loan helplines, etc.
  3. Negotiate with the lender: In case a consumer is already a customer of the lender, then chances of getting a good discount on interest rates will be more.
  4. Co-borrower: If a borrower’s credit rating is low then, the borrower can merge the income of spouse/father/mother to increase the loan eligibility.

Apply Now to get Best Personal Loan Interest Rates.

Leading Personal Loan Providers (Click to Apply)
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