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Bank Name Interest Rate Range Processing Fee Range Loan Amount Tenure Range
ICICI Bank 11.10%-17.99%
Fixed Reducing
2.5% (min. ₹1149)
One time fee
₹ 20L Max 1-5 Years Apply
Response Time within 15mins
Axis Bank 11.75% to 24%
Fixed Reducing
Up to 2%
One time fee
₹ 20L Max 1-5 Years Apply
Response Time within 15mins
Yes Bank 10.99%
Fixed Reducing
Up to 2%
One time fee
₹ 20L Max 1-5 Years Apply
Response Time within 15mins
TATA Capital 11.49% - 21.00%
Fixed Reducing
Up to 2%
One time fee
₹ 25L Max 1-6 years Apply
Response Time within 15mins
STANDARD CHARTERED 10.99% - 14.49%
Fixed Reducing
₹ 1,149 to ₹ 5,000
One time fee
₹ 30L Max 1-5 years Apply
Response Time within 15mins
HDFC BANK 10.75% - 19.8%
Fixed Reducing
Up to 2.5%(min. ₹1149)
One time fee
₹ 25L Max 1-5 years Apply
Response Time within 15mins
CITI BANK 11.99% - 15.99%
Fixed Reducing
up to 0.5% ₹ 30L Max 1-5 years Apply
Response Time within 15mins

Personal Loan

Personal Loans Or Unsecured LoanCan Be Obtained Without Any Tangible Security. Only The Personal Sureties Are Required.There Are Many Banks And Financial Institution Offering Attractive Deals With Great Interest Rates On Personal Loans. Each Financial Institution Has Different Eligibility Criteria, Repayment Tenures, And Rate Of Interest, Which Should Be Reviewed And Compared To Make Smart Decision Before Applying for Personal Loan.


  • Personal Loan For Home Development
  • Personal Loan For Travel
  • Personal Loan Balance Transfer
  • Personal Loan For Occasions, Weddings
  • Fresh Funding
  • Top Up Personal Loan

Applying Personal Loan for Home Development Are Taking To Modernize A House And Can Be Taken By A Person Who Owns The House. Interest Rate Charged On These Loans Are Starts From 10.99%* Based On Criteria It May Increase Or Decrease. Processing Fee For Applying Personal Loan for Home Improvement, Ranges Between 0.5% - 1% and Maximum Tenure Periods 1 To 5 Years.


Travel Loan Is a Type Of Personal Loan. For The People Who Seeks Money For Their Travels, they can Apply for Personal Loan. This Type Of Loans Is Generally Unsecured Loans. Many Banks Are Providing Loans For Traveling. Interest Rate Charged On These Loans Are Starts From 10.99%* Based On Criteria It May Increase Or Decrease. Processing Fee For Home Improvement Ranges, Between 0.5% - 1% Maximum Tenure Periods 1 To 5 Years.


Personal Loan Balance Transfer Lets You Transfer Your OutstandingPersonal Loan Amount From One Bank To Another After This The Customer Will Pay Loan EMI's To The Bank You Have Transferred Which Means The Applicable Rates Will Be The New Bank Of Financial Intuition


Wedding Loans Are Provide To The People Who Looking To Meet Their Wedding. Marriage Loan Is Great Option For Marriage Expenses. Most Banks Offers Marriage Loan With Minimum Rate Of Interest And We Make Your Day Special.


Fresh Funding Or Fresher’s Loan Are A Type Of Personal Loan. Icici Offers fresher loan This Loan To The People Who Started Their Carrier. No Security Required Can Get Up To Rs 150000 Simplified Documentation, Funding Avail From Age Of 21 Years, Quick Processing And Disbursal.


Top Up Loan Is People Who Is Already Having Personal Loan. They Can Get Top Op Loan From The Same Bank With Same Interest Rate. With Simple Process Clients Can Get Top Up Loan. Interest Rate Starts From 10.99*% Max Tenure 1-5 Years


For Salaried Person Should Have Salary Account Is Being Credited Regularly. The Bank Account Need Not Be The Same Bank Where One Is Applying For Personal Loan. Banks Would Not Give Loan To A Person Without Job Security. So Applicant Should Have Permanent Nature. The Length Of Service Or Employment Plays A Part In Expediting The Loan Sanction.


Eligible Loan Amount Will Be Calculated Based On The Credit History. If Applicant Already Having Another Loan Amount Those Deductions Will Be Taken Into Account To Calculate Total Deduction Out Of Salary. CIBIL Score Is Playing Significant Role In The Banking Decision In Granting A Personal Loan Generally Accepted Practiced To Calculate Eligible Loan Amount Is 50 Percent Of Deduction From Salary Including The Repayment Of Loan To Be Granted.


  • 2 Passport Size Photos
  • Current Residence Proof Like ADHARR Card, Vote Card, Passport
  • If Applicant Staying In Rented House, Rental Agreement and Electricity Bill is Required
  • Identity Proof Like Employment Identity Card, Pan Card
  • 3Month Salary Slip

For Those Who Doing Business Or Freelancers, they can get personal Loan, Additional Conditions May Apply. Since Applicant Does Not Get Salary, The Business Income As Reflected In Income Tax Returns Will Make Sure Of Total Income. In Case Of New Enterprise, Bank Can Demand Collateral Securities Like Bank Deposits And Bonds, In Addition To Providing One Or More Personal Surety Of Adequate Net Worth.


Eligible Loan Amount Will Be Calculated Based On The Credit History. If Applicant Already Having Another Loan Amount Those Deductions Will Be Taken Into Account To Calculate Total Deduction Out Of. For Self Employed Personas Eligibility Is Calculated Based On Past Year It Returns And Cibil Score Is Playing Significant Role In The Banking Decision In Granting A Personal Loan


Proof Of Identity:

  • 2 Passport Size Photos
  • Pan Card
  • Adhar Card

Address Proof:

  • Voter Card
  • Driving Licence
  • Passport

Proof Of Residence:

  • Rental Agreement
  • Post Paid Bill

Income Proof:

  • IT Returns
  • Latest 6 Months Bank Statement.
  • Office Address Proof.
  • Proof Of Residence Or Office Ownership.
  • Proof Of Continuity Of Business

Professionals Loan Are Taken By The Professional Like Professionals Involved In Consultancy, Engineers, Doctors, Architects, Journalists, Dentists, Company Secretaries, Surveyors, Lawyers, And Management Consultants.For Professionals Could Be Additional Conditions Will Be Fulfilled.


  • The Professionals Who Are Architects, Doctors, Company Secretaries, Charted Accounts Can Apply For Professional Loan
  • Who Is Going To Apply For Loan They Must Have Minimum 4 Years Of Post-Qualification And Experience,
  • For Secretaries And Architects Minimum 5 Years Of Post-Qualification Experience Is Needed
  • The Business Should Have Rs. 1 Lakh Of ITR Per Annum
  • The People Whose Business Has Been Profit Making The Past 2 Years
  • Applicant Should Be At Least 25 Years Old And No Older Than 65 Years

Proof Of Identity:

  • 2 Passport Size Photos
  • Photo Copy Of Their Qualification Certificate
  • Pan Card
  • Adhar Card

Address Proof:

  • Voter Card
  • Driving Licence
  • Passport

Proof Of Residence:

  • Rental Agreement
  • Post Paid Bill

Income Proof:

  • It Returns
  • Latest 6 Months Bank Statement.
  • Office Address Proof.
  • Proof Of Residence Or Office Ownership.
  • Proof Of Continuity Of Business.

  • Personal Loan Is The Best Choice For Immediate Money Need Because of Its Quick Process
  • Doesn’t Require Any Collateral Security So It Is Advantage For The Loan Seeker Need Not Be Under Any Obligation To Friends For Providing Personal Surety.
  • Most Of Banks Do Not Ask For Margin Component.
  • The Purpose Of The Loan Is Unimportant In Most Cases. So The Consumer Needs Not Think Too Much To Explain Of The Purpose, Submit Proof For Such Purpose.
  • Simple Documentation Procedure
  • Consumer Friendly Payments With Monthly Payments

Frequently Asked Questions

Generally personal loan eligibility is calculated in two ways, one is Multiplier Method and the other is FOIR (Fixed Obligation Income Ratio). The other method of FOIR depends on the monthly instalment expected to be paid as compared to the net income of the individual.
Personal loan is a short tenure loan. Most of the banks provide you loan for maximum 3 years (36 months). to max 5 years(60 months).
Minimum Rs 20,000 is Required For Availing Personal Loan