Choose the right personal loan, not just the lowest rate.
Compare starting interest rate, loan amount, processing fee, salary threshold, credit-score requirement and foreclosure conditions across leading banks and NBFCs.
Find your best-fit personal loan lender
Use the analytical ranking for initial screening, then open each lender to review the exact data supplied.
Six factors define the real personal-loan fit
Starting ROI matters, but personal-loan cost and eligibility can change materially based on processing fee, salary, CIBIL, repayment flexibility and foreclosure conditions.
Starting ROI
Compare the lowest stated rate available in each lender range.
Loan Quantum
Check whether the lender can support the amount you need.
Processing Fee
Upfront charges can materially affect effective borrowing cost.
Salary Fit
Minimum salary requirements differ across lenders.
CIBIL Fit
Credit-score thresholds influence basic eligibility and pricing.
Exit Cost
Foreclosure and part-payment conditions can change total flexibility.
Read the comparison beyond the headline rate
The analytical layer below is calculated only from the lender data you supplied. “Onwards” rates are treated as starting rates for ranking.
What the lender data means for your shortlist
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Quick lender snapshot
Use this for initial screening. Open the detailed lender section before deciding.
Open a lender to see every important detail
Expandable cards keep the full personal-loan data readable on desktop and mobile.
Axis Bank
Personal Loan
Interest Rate
9.50% – 21.55%+
HDFC Bank
Personal Loan
Interest Rate
9.99% – 24.00%+
ICICI Bank
Personal Loan
Interest Rate
9.99% – 16.50%+
Bajaj Finance
Personal Loan
Interest Rate
10.00% – 30.50%+
IDFC FIRST Bank
Personal Loan
Interest Rate
9.99% onwards+
IndusInd Bank
Personal Loan
Interest Rate
10.99% – 16.99%+
Kotak Mahindra Bank
Personal Loan
Interest Rate
10.50% – 18.99%+
Tata Capital
Personal Loan
Interest Rate
10.99% onwards+
What should a personal-loan borrower compare first?
Need the lowest starting rate?
Shortlist by starting ROI, then confirm the final offered rate for your profile.
Need a larger loan?
Compare maximum loan quantum before focusing on pricing.
Lower salary profile?
Check the minimum salary threshold and then lender-specific underwriting conditions.
Credit score near the threshold?
Compare minimum CIBIL requirement first; the final offered pricing may still differ.
Planning early closure?
Foreclosure charges and lock-in rules can materially affect your exit cost.
Need repayment flexibility?
Review flexi, part-payment and zero-foreclosure options where mentioned in the supplied lender notes.
Questions to answer before applying
Is the lowest starting ROI automatically the best personal loan?
No. Final pricing, processing fee, salary/CIBIL fit, tenure and foreclosure conditions should be reviewed together.
Why is processing fee important?
It increases the effective upfront cost, particularly on smaller or shorter-tenure personal loans.
Why compare minimum salary and CIBIL?
They are basic screening indicators. Final approval still depends on lender assessment and the applicant profile.
Why check foreclosure terms?
If you expect to repay early, foreclosure charges, lock-in periods and part-payment rules can affect the real cost.
