pare Best Personal Loans Interest Rates in India 2023

10.5% - 15% Rs.2560 - Rs.2783

(For Special Companies) (For Special Companies
15% Rs.2783
(For 75,000 & above salary) (For 75,000 & above sal
15.50% Rs.2808
(For 35,000-75,000 salary) (For 35,000-75,000 salar
17.45% Rs.2909
(For 20,000-35,000 salary) (For 20,000-35,000 salar
11.29% - 12.5% Rs.2599 - Rs.2658
(Special Rates for Loan Amount b/w (Special Rates for Loan
10lakhs - 30lakhs) b/w 10lakhs - 30lakhs)
11.39% - 11.8% Rs.2604 - Rs.2624
HDFC Bank (BT for Listed Companies) (BT for Listed Companie
Salaried
Per lac EMI

Banks/Rates CAT A (For 4 yrs.)

10.50% Rs.2560

(Salary > 50,000) (Salary > 50,000)

12.50% Rs.2658

(Salary <50000) (Salary <50000)

Kotak Bank
10.5% - 15% Rs.2560 - Rs.2783
(Special rates for
Loan Amount b/w (Special rates for Loan Amount
5 lacs - 20 lacs) b/w 5 lacs - 20 lacs)
12.5% - 15.75% Rs.2658 - Rs.2821
(For Special
Companies) (For Special Companies)
11.29% - 11.7% Rs.2599 - Rs.2619
(BT rates for
listed company) (BT rates for listed company)
15.50% Rs.2808
(Salary Above
75,000) (Salary Above 75,000)
16% Rs.2834
(Salary 50,000 -
75,000) (Salary 50,000 -75,000)
16.50% Rs.2860
 (Salary 35,000 -
50,000) (Salary 35,000 -50,000)
17% Rs.2886
(Salary 20,000 -
ICICI Bank 35,000) (Salary 20,000 -35,000)
Rs.2633 -
Bajaj Finserv 11.99% - 16% Rs.2834
11.99% Rs.2633
(Salary above (Salary above
1lakh) 1lakh)
Rs.2633 -
11.99% - 12.75% Rs.2670
(For 20,000- (For 20,000-
99,000 salary) 99,000 salary)
Rs.2633 -
11.99% - 12.75% Rs.2670
(For Tata Group (For Tata Group
Companies) Companies)

Tata Capital
Rs.2631 -
State Bank of India/SBI (SBI Saral) 11.95% - 16.55% Rs.2633
Rs.2862 -
Fullerton India 11.99% - 26% Rs.3372
11% Rs.2585
(Loan Amount 10 (Loan Amount 10
Lac & above) Lac & above)
11% Rs.2585
(Loan Amount (Loan Amount
800,001 - 800,001 -
1,000,000) 1,000,000)
(Loan
11.25% Amount - (Loan
Rs.2597Amount -
500,001 - 500,001 -
800,000) 800,000)
(Loan
11.50% Amount - (Loan
Rs.2609Amount -
300,000 - 300,000 -
500,000) 500,000)
11.99% Rs.2633
(Loan Amount (Loan Amount
Standard Chartered Bank Upto 3 Lac) Upto 3 Lac)
17% Rs.2886
(For 35,000 - (For 35,000 -
75,000 salary) 75,000 salary)
18% Rs.2937
(Below 35,000 (Below 35,000
salary) salary)
16% Rs.2834
(for 75,000 & (for 75,000 &
HDBFS above salary) above salary)
Rs.2608 -
Citibank 11.49% - 16.5% Rs.2860
Rs.2720 -
13.75% - 14.25% Rs.2745
 (For 50,000- 1 (For 50,000- 1
Lac Salary) Lac Salary)
Rs.2758 -
14.5% - 15.25% Rs.2796
(Below 50,000 (Below 50,000
Salary) Salary)
Rs.2682 -
12.99% - 13.5% Rs.2708
(For 1 Lac & (For 1 Lac &
above Salary above Salary

IndusInd Bank ) )
16% Rs.2834
(For CAT A) (For CAT A)
15%
(For Super CAT Rs.2783
(For Super CAT
Axis Bank A) A)
Rs.2821 -
Andhra Bank 15.75% - 16.75% Rs.2873
Bank of Baroda 14.75% Rs.2770
14.50% Rs.2758
((undertaking ((undertaking
Corporation Bank letter required) ) letter required) )
16% Rs.2834
(12%(For (12%(For
United Bank Of India pensioners)) pensioners))
Vijaya Bank 16% Rs.2834
Rs.2718 -
Indian Bank 13.7% - 14.2% Rs.2743
Yes Bank 10.45% Rs.2558
Bank of India 15% Rs.2783
Canara Bank 14.95% Rs.2781
Union bank of India 14.35% Rs.2750
Allahabad Bank 13.55% Rs.2710
Central Bank of India 13.35% Rs.2700
Rs.2580 -
Dena bank 10.9% - 14% Rs.2733
Bank of Maharashtra 12.75% Rs.2670
Indian Overseas Bank 14.05% Rs.2735
IDBI Bank 13.20% Rs.2693
Rs.2587 -
Oriental Bank of Commerce 11.05% - 12.8% Rs.2673
Rs.2643 -
UCO Bank 12.2% - 12.45% Rs.2656

Salary>
=35,000 11.69% Rs.999
Transfer your personal loan Salary<
to HDFC Bank 35,000 11.99% Rs.999
 Salary>
=35,000 11.79% 0.50%
Transfer your personal loan Salary<
to Kotak Bank 35,000 12.99% 0.50%

*Terms & conditions apply

Where
- Top
1000
compan
CAT A refers to ies
- Multi
National
Compan
ies( MN
CAT B refers to C's )
- Small
compan
CAT C refers to ies
Smaller
compan
ies with
100
emloyee
Non Listed refers to s.
running
loan
from
any
Loan Surrogates refers to bank
s in India 2023
Rs.2560 - Rs.2783
(For Special Companies)
Rs.2783
(For 75,000 & above salary)
Rs.2808
(For 35,000-75,000 salary)
Rs.2909
(For 20,000-35,000 salary)
Rs.2599 - Rs.2658
(Special Rates for Loan Amount
b/w 10lakhs - 30lakhs)
Rs.2604 - Rs.2624
(BT for Listed Companies)
10.99% - 15%
(For Special Companies)
15%
(For 75,000 & above salary)
15.50%
(For 35,000-75,000 salary)
17.45%
(For 20,000-35,000 salary)
11.29% - 12.5%
(Special Rates for Loan Amount
b/w 10lakhs - 30lakhs)
11.39% - 11.8%
(BT for Listed Companies)
Rs.2584 - Rs.2783
(For Special Companies)
Rs.2783
(For 75,000 & above salary)
Rs.2808
(For 35,000-75,000 salary)
Rs.2909
(For 20,000-35,000 salary)
Rs.2599 - Rs.2658
(Special Rates for Loan Amount b/w
10lakhs - 30lakhs)
Rs.2604 - Rs.2624
(BT for Listed Companies)

Per lac EMI Per lac EMI

(For others for 4
CAT B (For 4 yrs.) Others yrs.)
12.99% Rs.2682 15.50% Rs.2808
(Salary > (Salary: 100000
(Salary > 1,00,000) 1,00,000) (Salary: 100000 & Above) & Above)
13.75% Rs.2720 16.25% Rs.2847
(Salary 50000 - (Salary: 75000 -
(Salary 50000 - 100000) 100000) (Salary: 75000 - 100000) 100000)
14.25% Rs.2745 16.75% Rs.2873
(Salary: 50000-
(Salary < 50000) (Salary < 50000) (Salary: 50000-75000) 75000)
16.99% Rs.2885
(Salary: Less
Rs.2585 - (Salary: Less than 50000) than 50000)
3 11% - 14.99% Rs.2783 11% - 14.99% Rs.2585
(Special rates for Loan (Special rates for (Special rates for Loan (Special rates for
Loan Amount Amount b/w 5 lacs - 20 Loan Amount b/w Amount b/w 5 lacs - 20 Loan Amount b/w
cs) lacs) 5 lacs -
Rs.2599 - 20 lacs) lacs) 5 lacs - 20 lacs)
1 11.29% - 11.7% Rs.2619 11.29% - 11.7% Rs.2599
(BT rates for listed (BT rates for (BT rates for listed (BT rates for
panies) company) listed company) company) listed company)
9 16% Rs.2834 16% Rs.2834
(Salary Above (Salary Above
ed company) (Salary Above 75,000) 75,000) (Salary Above 75,000) 75,000)
16.50% Rs.2860 16.50% Rs.2860
(Salary 50,000 - (Salary 50,000 -
000) (Salary 50,000 -75,000) 75,000) (Salary 50,000 -75,000) 75,000)
17% Rs.2886 17% Rs.2886
(Salary 35,000 - (Salary 35,000 -
5,000) (Salary 35,000 -50,000) 50,000) (Salary 35,000 - 50,000) 50,000)
17.50% Rs.2911 17.50% Rs.2911
 (Salary 20,000 - (Salary 20,000 -
0,000) (Salary 20,000 -35,000) 35,000) (Salary 20,000 -35,000) 35,000)

5,000)
16% Rs.2834 16.5% - 17% Rs.2860
11.99% Rs.2633 11.99% Rs.2633
(Salary above (Salary above
1lakh) (Salary above 1lakh) (Salary above 1lakh) 1lakh)
15.50% Rs.2808 15.50% Rs.2808
(For 30,000- (For 30,000-
60,000 salary) (For 30,000-60,000 salary) (For 30,000-60,000 salary) 60,000 salary)
17% Rs.2886 17% Rs.2886
(For 20,000- (For 20,000-
30,000 salary) (For 20,000-30,000 salary) (For 20,000-30,000 salary) 30,000 salary)
11.99% Rs.2633 11.99% Rs.2633
(For Tata Group (For Tata Group (For Tata Group (For Tata Group
Companies) Companies) Companies) Companies)

11.95% - 16.55% Rs.2631 - Rs.2862 11.95% - 16.55% Rs.2631

11.99% - 26% Rs.2633
11% Rs.2585 11% Rs.2585
(Loan Amount 10 (Loan Amount 10 Lac & (Loan Amount 10 Lac & (Loan Amount 10
Lac & above) above) above) Lac & above)
11% Rs.2585 11% Rs.2585
(Loan Amount (Loan Amount -
800,001 - (Loan Amount 800,001 - (Loan Amount - 800,001 - 800,001 -
1,000,000) 1,000,000) 1,000,000) 1,000,000)
(Loan
11.25% Amount - Rs.2597 11.25% (Loan
Rs.2597Amount-
500,001 - (Loan Amount - 500,001 - (Loan Amount- 500,001 - 500,001 -
800,000) 800,000) 800,000) 800,000)
(Loan
11.50% Amount - Rs.2609 11.50% (Loan
Rs.2609Amount -
300,000 - (Loan Amount - 300,000 - (Loan Amount - 300,000 - 300,000 -
500,000) 500,000) 500,000) 500,000)
11.99% Rs.2633 11.99% Rs.2633
(Loan Amount (Loan Amount
Upto 3 Lac) (Loan Amount Upto 3 Lac) (Loan Amount Upto 3 Lac) Upto 3 Lac)
16% Rs.2834 17% Rs.2886
(for 75,000 & (for 75,000 & above (for 75,000 & above (for 75,000 &
above salary) salary) salary) above salary)
17% Rs.2886 18% Rs.2937
(for 35,000 - (for 35,000 - 75,000 (for 35,000 - 75,000 (for 35,000 -
75,000 salary) salary) salary) 75,000 salary)
18% Rs.2937 21% Rs.3097
(below 35,000 ( below 35,000
salary) (below 35,000 salary) ( below 35,000 salary) salary)

14% - 14.5% Rs.2733 - Rs.2758 17.5% - 18.5% Rs.2911

(For 1 Lac & (For 1 Lac &
above Salary (For 1 Lac & above Salary (For 1 Lac & above Salary above Salary
) ) ) )

15% - 15.5% Rs.2783 - Rs.2808 18% - 19% Rs.2937

(For 50,000- 1 (For 50,000- 1
Lac Salary) (For 50,000- 1 Lac Salary) (For 50,000- 1 Lac Salary) Lac Salary)

16% - 16.5% Rs.2834 - Rs.2860 19% - 20% Rs.2990

(Below 50,000 (Below 50,000
Salary) (Below 50,000 Salary) (Below 50,000 Salary) Salary)

17% Rs.2886 19% - 20% Rs.2990

16.75% - 18.75% Rs.2873 - Rs.2977
14.75% Rs.2770

N.A Rs.2126 - Rs.2126 N.A Rs.2126

16% - 18% Rs.2834 - Rs.2937 16% - 18% Rs.2834
(12%(For (12%(For
pensioners)) (12%(For pensioners)) (12%(For pensioners)) pensioners))
N.A Rs.2126 N.A Rs.2126

13.7% - 14.2% Rs.2718 - Rs.2743 13.7% - 14.2% Rs.2718

10.45% Rs.2558 16.99% Rs.2885
15% Rs.2783 15% Rs.2783
14.95% Rs.2781 14.95% Rs.2781
14.35% Rs.2750 14.35% Rs.2750
13.55% Rs.2710 13.55% Rs.2710
13.35% Rs.2700 13.35% Rs.2700
10.9% - 14% Rs.2580 - Rs.2733 10.9% - 14% Rs.2580
12.75% Rs.2670 12.75% Rs.2670
14.05% Rs.2735 14.05% Rs.2735
13.20% Rs.2693 13.20% Rs.2693
11.05% - 12.8% Rs.2587 - Rs.2673 11.05% - 12.8% Rs.2587
12.2% - 12.45% Rs.2643 - Rs.2656 12.2% - 12.45% Rs.2643
3
panies)

ove salary)

0 salary)

0 salary)
8
r Loan Amount b/w
) Upto
4 10.75% Rs.3999
mpanies) - 17.5% Rs.2572 Upto 4.00% /- + GST

Per lac EMI

(For others for 4
yrs.) Pre Payment Charges Processing Fees
Rs.2808
(Salary: 100000
& Above)
Rs.2847
(Salary: 75000 -
100000)
Rs.2873
(Salary: 50000-
75000)
Rs.2885
(Salary: Less Zero (if loan Amount is more than 10 lakhs)
than 50000) Else 5% 0.99% - 2.25%
Rs.2585
(Special rates for
Loan Amount b/w
5 lacs - 20 lacs)
Rs.2599
(BT rates for
listed company)
Rs.2834
(Salary Above
75,000)
Rs.2860
(Salary 50,000 -
75,000)
Rs.2886
(Salary 35,000 -
50,000)
Rs.2911

Rs.999 for
Special offers
Rs.999 for Special offers otherwise 1% - otherwise 1% -
(Salary 20,000 -
35,000) Rs.999 for
Special offers
Rs.999 for Special offers otherwise 1% - otherwise 1% -
2.5% 2.5%
Upto 4% post 1st EMI clearance Upto 2%

Nill Foreclosure after 12 EMI's &

Partial Payment Options without
any charges. Rs.999

N.A 1.01% of the loan amount

Upto 7.00%, 0% after 3 years 2%

Up to 5.00% 1%

NIL for Select Corporates

Employees (CAT A & B) 4% For
Rest 1% - 2%
Upto 3%
4% 0.5% - 2%

Nil 2%
Rs250 - Rs1000/-

N.A N.A

N.A. N.A.
N.A. N.A.
0.50% on the loan amount with
N.A min of Rs 500/-
Nil Above 7.5Lacs Upto 2%
N.A 2%
N.A 0.25%
N.A 14.35% - 0.5%(min.Rs 500)
N.A 1.22%(min.Rs.1223)
N.A Rs.500 One time free
N.A 1%
N.A 1% (min.Rs. 1000)
N.A 1.01% - 1.10%
N.A 1% + S.T.
N.A 0.5% (min.Rs. 500)
N.A 1%(min.Rs.750)