Personal loan
Personal loans are unsecured, so the rate depends heavily on your credit score, employer and income.
Check your own eligibility in 2 minutesFree · no credit-score enquiry · lender-wise amount, rate and EMI
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| Lender | Type | Rate range | Up to | Min score |
|---|---|---|---|---|
| IDFC FIRST Bank Personal Loan | Private Bank | 9.99% – 23.00% | ₹50 L | 700 |
| State Bank of India Xpress Credit Personal Loan | Public Sector Bank | 10.50% – 15.00% | ₹35 L | 700 |
| HDFC Bank Personal Loan | Private Bank | 10.75% – 24.00% | ₹40 L | 720 |
| ICICI Bank Personal Loan | Private Bank | 10.85% – 16.65% | ₹50 L | 720 |
| Kotak Mahindra Bank Personal Loan | Private Bank | 10.99% – 24.00% | ₹40 L | 720 |
| Axis Bank Personal Loan | Private Bank | 11.00% – 22.00% | ₹40 L | 720 |
| Bajaj Finance Personal Loan | NBFC | 11.00% – 31.00% | ₹50 L | 685 |
| Tata Capital Personal Loan | NBFC | 11.00% – 24.00% | ₹35 L | 700 |
| Bajaj Finance Loan for Professionals (Doctors / CAs) | NBFC | 14.00% – 24.00% | ₹55 L | 685 |
As on 26 Oct 2026, RBI repo rate 5.50%. Indicative ranges; your rate depends on your profile.
See today’s rates from every lender →
Who is eligible
- Salaried with a minimum net income of ₹15,000–30,000 a month depending on lender
- Credit score of 700–750+
- At least 1–2 years in the current job
How much you can get
- EMIs up to 50–60% of income including existing loans
- Up to ₹40–50 lakh at most lenders
- Tenure up to 5–7 years
Documents
- KYC, last 3 salary slips, Form 16
- Six months of bank statements
Tips from our credit panel
- Your salary-account bank usually gives the best pre-approved rate
- A top-up home loan or gold loan is often 4–8% cheaper
Common questions
What credit score is needed?
Most banks look for 720–750 or more; some NBFCs accept 685.