Compare loans in India

HDFC BankPersonal LoanBank - HDFC Bank.

INR 5,000,000Not available

Published salaried rack rate 9.99%-24% per year; individual offer applies, not an all-in APR.Fixed interest, reducing balance.

Up to INR 6,500 + GST.GST and statutory levies extra; stamp duty as applicable.Required insurance: Not available

Standard full closure: 4% of principal through 24 EMIs, 3% after 24 through 36, 2% thereafter, plus tax; qualifying Golden Edge own-funds waiver is separate.Part-payment: After first EMI, up to 25% of outstanding, once per financial year and twice over tenure; standard 4%/3%/2% fee depends on EMIs paid.

Salaried applicants subject to employment, income and credit assessment.

Interest excludes fees, GST and stamp duty. Early repayment costs depend on EMIs paid and qualifying Golden Edge conditions; late-charge figures need confirmation.

ICICI BankPersonal LoanBank - ICICI Bank.

INR 5,000,000Up to 72 months.

From 9.99% per year, fixed; personal assessment applies. Not an all-in APR.Fixed rate; monthly reducing outstanding.

Up to 2% of loan amount + GST; non-refundable.GST and statutory taxes/levies extra.Required insurance: Not available

3% of outstanding principal; no charge after 24 EMIs paid, subject to applicable loan terms.Part-payment: For loans from 1 January 2026: minimum one EMI, maximum outstanding less one EMI; 3% through 24 months, then nil; no initial EMI lock-in.

Salaried: 18-58 and income at least INR 30,000 monthly; self-employed: 23+ with stable business/income; bank assessment.

Starting rate is not guaranteed or all-in. Early-repayment terms depend on loan date and repayment history; confirm offer-specific insurance and statutory costs.

State Bank of IndiaPersonal Loan (salary account)Bank - State Bank of India.

INR 5,000,000Not available

Not verifiedFixed interest linked at sanction to two-year MCLR; daily reducing balance.

Up to 1.5% of loan amount, minimum INR 1,000 and maximum INR 15,000, plus GST.GST extra; state stamp duty at actuals.Required insurance: Not available

Full or partial prepayment before three years: 2% of prepaid amount; confirm tax and applicable offer exceptions.Part-payment: 2% of prepaid amount before three years; confirm tax, applicable exceptions and other part-payment conditions.

Salaried Indian national, normally age 21-60; credit and repayment-capacity assessment. NRI/PIO/OCI excluded.

SBI salary account required. Maximum is also limited by income and EMI capacity; headline rates are not an all-in APR.

Bajaj Finance LimitedPersonal Loan (Term Loan)NBFC lender - Bajaj Finance Limited; Bajaj Finserv is the website brand.

INR 5,500,00012-108 months, subject to eligibility.

10%-30.5% per year, fixed; individual offer applies, not an all-in APR.Fixed rate on reducing outstanding balance.

Up to 4.13% of loan amount, including applicable taxes.Processing/prepayment percentages shown include taxes; state stamp duty is additional.Credit-guarantee scheme, if applicable: up to 1.18% yearly including tax, initially prorated to 31 March; renewals on outstanding for up to three subsequent financial years. Confirm applicability in KFS.Required insurance: Not available

Term Loan: up to 4.72% of outstanding principal, including tax.Part-payment: Term Loan: up to 4.72% of prepaid principal, including tax.

Income, employment and credit assessment; published CIBIL threshold 650; salaried income threshold varies by city.

Term Loan only, not Flexi. Processing and possible credit-guarantee fees increase cost; confirm insurance and complete KFS before accepting.