Personal loans, without the blind spots.
Work out what you can afford, then understand how lenders will assess you.
Guidance by stage
Before you apply
- How to Check Personal Loan Eligibility Without Hurting Your CIBIL Score
- Why Personal Loan Applications Get Rejected, and the Ordered Fix List
- Account Aggregator Consent: What a Lender Actually Sees When You Tap Approve
- Personal Loan on a Salary of Rs.25,000 to Rs.50,000: What You Will Actually Be Offered
- Your Pre-Approved Loan Offer Is Not an Approval: How Banks Actually Build Those Lists
- Banks Can No Longer Bundle Insurance With Your Loan: RBI's 2026 Mis-Selling Rules Explained
- Personal Loan on Rs. 15,000 to 25,000 Salary - What Actually Gets Approved
- Fake Loan Apps in 2026 - The RBI Verified DLA Directory Explained
- Personal Loan for Self-Employed Professionals - CA, Doctor, Consultant Guide
- Illegal Loan App Scams in India 2026: How to Identify Them and What to Do If You Are Already Trapped
- Bajaj Flexi Loan: How AMC and Foreclosure Charges Actually Work
- Medical Emergency Loan: How to Arrange Funds Fast Without Panic
- CIBIL Score Low Hai? Personal Loan Kaise Milega (550-650 Score Guide)
- Personal Loan EMI Calculator: How It Works + Ready-Made EMI Tables (2026)
- Personal Loan for Wedding in India 2026: Complete Planning Guide
- CIBIL Score and Personal Loans: The Complete 2026 Guide
- Personal Loan in India 2026: Complete Guide
Choosing a lender
- Overdraft Against Your Salary Account or a Personal Loan: Which Costs Less
- Gold Loan vs Personal Loan - Which Wins for Rs. 2 to 5 Lakh in 2026
- 5 Best Websites to Learn About Personal Loans in India (2026)
- KreditBee vs Fibe vs MoneyTap: Kaun Sa Loan App Sahi Hai Aapke Liye? (2026 Comparison)
- HDFC vs SBI vs Bajaj Finserv Personal Loan 2026
- Best Personal Loan Apps in India 2026: Top 5 Picks
After you borrow
- A Loan You Never Took Is on Your Credit Report: How to Find It and Get It Removed
- Loan Protection Insurance: Should You Ever Buy It, and How to Get Your Money Back If You Did Not Choose It
- What One Bounced EMI Actually Costs You in 2026
- Settled vs Closed on Your CIBIL Report: Why One Word Costs You Seven Years of Credit
- Cooling-Off Period on Personal Loans - How to Legally Cancel Within 3 Days
- Personal Loan Top-Up vs Fresh Loan - The Real Cost Comparison
- RBI Zero Prepayment Charge Rule 2026 - Which Personal Loans Actually Qualify
- Weekly CIBIL Reporting from July 2026 - What Every Borrower Needs to Know
Personal loan rates and costs
| Lender | Rate from | Rate to | Processing fee | Max term | Verified |
|---|---|---|---|---|---|
| HDFC Bank | 9.99% | 24% | Up to Rs.6,500 + GST | 72 months | 2026-09-08 |
| SBI | 10.05% | 15.05% | Up to 1.50% + GST | 72 months | 2026-09-08 |
| ICICI Bank | 10.85% | 16.65% | Up to 2% + GST | 72 months | 2026-09-08 |
| Axis Bank | 9.99% | 22% | Up to 2% + GST | 84 months | 2026-09-08 |
| Kotak Mahindra Bank | 10.99% | Not published | Up to 5% + GST | 72 months | 2026-09-08 |
| IndusInd Bank | 10.49% | Not published | Up to 3% + GST | 84 months | 2026-09-08 |
| Bajaj Finserv | 10% | 30.5% | Up to 4.13% incl. taxes | 96 months | 2026-09-08 |
| Tata Capital | 10.99% | 29.99% | Up to 5% + GST | 72 months | 2026-09-08 |