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पर्सनल लोन — Lowest Rates, Fastest Approval
Interest Rate
9.75% – 18% p.a.
Loan Amount
₹1 L – ₹10 Cr
Tenure
1 – 7 Years
Expert comparison. Zero cost. 2-hour callback.
Compare 30+ lenders to find the absolute lowest rate for your profile.
Get in-principle approval in as little as 4 hours after document submission.
We guide you through only the essentials. No unnecessary paperwork.
Our executive comes to you for document pickup. No branch visits needed.
Sirf ProperPaisa ke through loan lo aur guaranteed coin paao.
Live Rates
Click column headers to sort. Rates as of April 2026.
| Bank / NBFC | Interest Rate | Processing Fee | Max Amount | Max Tenure | Action |
|---|---|---|---|---|---|
| Axis Bank | 9.75% – 20% | 0.5%–1% | ₹10 Cr | 7 Yr | Apply Now |
| HDFC Bank | 9.99% – 21% | 0.5%–1% | ₹10 Cr | 7 Yr | Apply Now |
| Kotak Mahindra Bank | 9.99% – 20% | 0.5%–1% | ₹10 Cr | 7 Yr | Apply Now |
| ICICI Bank | 10.15% – 16% | 0.5%–1% | ₹10 Cr | 7 Yr | Apply Now |
| IndusInd Bank | 10.49% – 22% | 0.5%–1% | ₹10 Cr | 7 Yr | Apply Now |
| IDFC First Bank | 10.49% – 30% | 0.5%–1% | ₹10 Cr | 7 Yr | Apply Now |
| SBI | 10.50% – 13.85% | 0.5%–1% | ₹10 Cr | 7 Yr | Apply Now |
| Bajaj Finserv | 11.00% – 28% | 0.5%–1% | ₹10 Cr | 7 Yr | Apply Now |
* Rates are indicative. Final rate depends on your profile, CIBIL score, and lender policy.
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EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1) | P = principal, r = monthly rate, n = months
Monthly EMI
per month for 5 years
Payment Breakdown
Check if you qualify for a Personal Loan before applying.
Fill in your details — takes under 60 seconds. Name, mobile, loan amount.
Our advisor calls you within 2 hours and compares offers from 30+ banks.
Choose your best offer. We handle all documentation — doorstep pickup available.
Loan gets disbursed. We deliver your FREE Gold Coin within 7 days.
Most banks require a CIBIL score of 700 or above for personal loan approval. A score of 750+ gets you the best interest rates. If your score is below 700, consider improving it before applying or look for NBFCs that have more flexible criteria.
Most lenders offer personal loans of 10–20x your monthly salary. For example, a person earning ₹50,000/month can typically get a loan of ₹5–10 lakh. However, this depends on your existing EMIs, employer category, and credit history.
Many banks now offer in-principle approval within 2–24 hours for eligible applicants. Full disbursal (amount credited to your account) typically takes 1–3 business days after document verification.
Yes, most lenders allow prepayment after a lock-in period of 6–12 months. Foreclosure charges typically range from 2–5% of the outstanding principal. Some lenders like SBI charge no foreclosure fee for certain products.
Processing fee is a one-time charge levied by banks to process your loan application. It typically ranges from 0.5% to 4% of the loan amount. When you apply through ProperPaisa, we refund the processing fee once the loan is disbursed.
No, personal loans are 100% unsecured — no collateral or guarantor required. This makes them ideal for urgent needs. The loan is approved based purely on your income, credit score, and repayment capacity.
Yes, some lenders offer personal loans starting at a monthly income of ₹15,000–₹20,000, especially NBFCs and fintech lenders. Interest rates may be slightly higher, but the product is accessible. Share your details with us and we'll find the best match.
Personal loans are available for tenures of 1–7 years. Most borrowers opt for 3–5 years to balance EMI affordability with total interest cost. A longer tenure lowers your monthly EMI but increases the total interest paid over the loan period.
Every time you apply for a loan, the lender makes a "hard inquiry" on your credit bureau report, which temporarily reduces your score by 5–10 points. Applying through ProperPaisa means we do ONE smart inquiry and match you with the right lender.
ProperPaisa gives every customer a FREE Gold or Silver Coin when their loan is disbursed through us. The coin is delivered to your address within 7 business days of disbursement. This is our exclusive thank-you gift — no other loan platform offers this.
“Got my personal loan in just 2 days! ProperPaisa found me a rate that was 1.5% lower than what my bank offered directly. And the gold coin was the cherry on top.”
Rohit Sharma
Gurugram, Haryana
Loan amount
₹8,00,000
“The team handled everything — document collection, bank follow-ups. I just had to sign. Best loan experience I've had. 100% would recommend.”
Priya Mehta
Delhi
Loan amount
₹5,00,000
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