Personal loan interest rates today
Updated 8 Nov, 6:30 am · 18 lenders · RBI repo rate 5.50% · Lowest: 9.90% p.a. at Navi Finserv
Personal loan rates – November 2026
| Lender | Type | Rate (p.a.) | Up to | Source |
|---|---|---|---|---|
| Navi Finserv Personal Loan | NBFC | 9.90% – 36.00% | ₹20 L | Our lender list checked 25 Oct 2026 |
| Axis Bank Personal Loan | Private Bank | 9.99% – 20.99% | ₹40 L | Axis Bank website read 8 Nov, 6:30 am |
| Kotak Mahindra Bank Personal Loan | Private Bank | 9.99% – 30.00% | ₹40 L | Kotak Mahindra Bank website read 8 Nov, 6:30 am |
| IDFC FIRST Bank Personal Loan | Private Bank | 9.99% – 23.00% | ₹50 L | IDFC FIRST Bank website read 8 Nov, 6:30 am |
| State Bank of India Xpress Credit Personal Loan | Public Sector Bank | 10.00% – 15.00% | ₹35 L | SBI website read 8 Nov, 6:30 am |
| Bajaj Finance Personal Loan | NBFC | 10.00% – 30.50% | ₹50 L | Bajaj Finance website read 8 Nov, 6:30 am |
| HDFC Bank Personal Loan | Private Bank | 10.25% – 23.50% | ₹40 L | HDFC Bank website read 8 Nov, 6:30 am |
| ICICI Bank Personal Loan | Private Bank | 10.25% – 16.50% | ₹50 L | ICICI Bank website read 8 Nov, 6:30 am |
| Bank of Baroda Baroda Loan to Pensioners | Public Sector Bank | 10.90% – 11.40% | ₹8 L | Our lender list checked 25 Oct 2026 |
| Tata Capital Personal Loan | NBFC | 10.99% – 33.00% | ₹35 L | Tata Capital website read 8 Nov, 6:30 am |
| Bajaj Finance Loan for Professionals (Doctors / CAs) | NBFC | 11.00% – 17.50% | ₹55 L | Bajaj Finance website read 8 Nov, 6:30 am |
| Punjab National Bank Personal Loan for Pensioners | Public Sector Bank | 11.35% – 12.35% | ₹10 L | Our lender list checked 25 Oct 2026 |
| State Bank of India Pension Loan | Public Sector Bank | 11.45% – 11.95% | ₹20 L | Our lender list checked 25 Oct 2026 |
| Moneyview (partner NBFCs) Personal Loan | NBFC | 14.00% – 36.00% | ₹10 L | Our lender list checked 25 Oct 2026 |
| KreditBee Instant Personal Loan | NBFC | 16.00% – 30.00% | ₹5 L | Our lender list checked 25 Oct 2026 |
| Kissht Personal Loan | NBFC | 17.00% – 45.00% | ₹5 L | Our lender list checked 25 Oct 2026 |
| Fibe (EarlySalary) Instant Personal Loan | NBFC | 18.00% – 30.00% | ₹5 L | Our lender list checked 25 Oct 2026 |
| Home Credit India Instant Personal Loan | NBFC | 21.00% – 39.50% | ₹4.8 L | Our lender list checked 25 Oct 2026 |
Rates are the lenders’ published ranges for new loans. The lender decides the final rate at sanction. Sorted by lowest starting rate.
What decides your personal loan rate
- Credit score and repayment record over the last 12 months
- Employer category – large companies and government employees get lower rates
- Monthly income and existing EMIs (most lenders cap EMIs at 50%–60% of take-home pay)
- Personal loans are fixed-rate; compare the processing fee as well as the rate
Common questions
Which lender has the lowest personal loan interest rate today?
As on 8 Nov 2026, the lowest starting rate in our comparison is 9.90% p.a. at Navi Finserv (Personal Loan). The rate you are offered depends on your credit score, income and the lender’s own grading of your profile.
How current are these rates?
9 of the 18 lenders in this table are read directly from the lender’s website twice a day, at 6:30 am and 2:30 pm. The others come from our lender list, with the date each was last checked.
Will I get the lowest rate shown?
The starting rate is for the strongest profiles. Check your own eligibility on Funding Desk to see the rate and amount each lender is likely to offer you – it does not affect your credit score.