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Personal Loan Interest Rates 2026
Compare indicative personal-loan interest rates, processing fees and repayment terms across leading banks and NBFCs.
From 8.00% p.a.Indicative starting rate
Up to ₹50 lakhTypical maximum amount
Up to 84 monthsIndicative tenure
Usually fixedRate type
Rates vary by credit score, income, employment, lender policy and application channel.
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Use the table as a starting point. The lowest advertised rate is not guaranteed and the total cost should include processing and prepayment charges.
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Personal Loan Interest Rates by lender
| Bank / NBFC / HFC | Indicative interest rate | Processing fee | Rate type | |
|---|---|---|---|---|
 Axis Bank | 9.99% p.a. onwards | Up to 2% | Fixed | Enquire |
 HDFC Bank | 9.99% p.a. onwards | Up to ₹6,500 | Fixed | Enquire |
 ICICI Bank | 9.99% p.a. onwards | Up to 2% | Fixed | Enquire |
 IDFC FIRST Bank | 9.99% p.a. onwards | Up to 3.5% | Fixed | Enquire |
 Kotak Mahindra Bank | 9.99% p.a. onwards | Up to 5% | Fixed | Enquire |
AdAditya Birla Finance | 10.99% p.a. onwards | Up to 4% | Fixed | Enquire |
 Bank of Baroda | 10.15% - 18.00% p.a. | Up to 2% (maximum ₹10,000) | Fixed | Enquire |
 Bajaj Finance Limited | 10.00% - 30.00% p.a. | Up to 3.93% | Fixed | Enquire |
BaBank of India | 10.85% - 16.15% p.a. | Up to 1% (₹250 to ₹15,000) | Fixed | Enquire |
BaBank of Maharashtra | 8.75% - 13.55% p.a. | Up to 1% (maximum ₹10,000) | Fixed | Enquire |
 Canara Bank | 9.70% - 15.15% p.a. | Up to 0.5% (maximum ₹5,000) | Fixed | Enquire |
CeCentral Bank of India | 9.85% - 11.65% p.a. | Up to 1% | Fixed | Enquire |
ChCholamandalam Investment and Finance | 10.00% - 28.00% p.a. | 4% - 6% | Fixed | Enquire |
DhDhani Loans and Services | 13.99% p.a. onwards | 3% onwards | Fixed | Enquire |
FeFederal Bank | 12.00% - 22.50% p.a. | Up to 2% | Fixed | Enquire |
HDHDB Financial Services | 10.00% - 35.00% p.a. | Up to 5.90% | Fixed | Enquire |
HeHero FinCorp | Up to 30.00% p.a. | 2.3% - 3% | Fixed | Enquire |
HSHSBC Bank | 9.75% p.a. onwards | Up to 2% | Fixed | Enquire |
IIIIFL Finance | 12.00% - 28.00% p.a. | 2% - 9% | Fixed | Enquire |
InIndian Overseas Bank | 10.25% p.a. onwards | Up to 0.75% | Fixed | Enquire |
InIndusInd Bank | 10.35% p.a. onwards | Up to 3.5% | Fixed | Enquire |
L&L&T Finance | 11.00% p.a. onwards | Up to 3% | Fixed | Enquire |
MaMahindra Finance | 8.00% - 25.00% p.a. | 2% or ₹5,000, whichever is lower | Fixed | Enquire |
MaManappuram Finance | 18.00% - 24.00% p.a. | 1% of loan amount | Fixed | Enquire |
MoMoneyview | 14.00% p.a. onwards | 2% onwards | Fixed | Enquire |
MuMuthoot Finance | 13.50% p.a. onwards | Varies by application | Fixed | Enquire |
PiPiramal Finance | 12.14% p.a. onwards | Up to 5% | Fixed | Enquire |
PoPoonawalla Fincorp | 9.99% p.a. onwards | Up to 4% | Fixed | Enquire |
PuPunjab & Sind Bank | 9.60% - 13.85% p.a. | 0.50% - 1% | Fixed | Enquire |
 Punjab National Bank | 10.25% - 16.80% p.a. | Up to 1% | Fixed | Enquire |
ShShriram Finance | 11.00% p.a. onwards | Up to 5% | Fixed | Enquire |
 Tata Capital | 10.99% p.a. onwards | Up to 3.5% | Fixed | Enquire |
UCUCO Bank | 9.95% - 13.20% p.a. | Up to 1% (minimum ₹750) | Fixed | Enquire |
UnUnion Bank of India | 8.75% - 12.55% p.a. | Up to 1% (maximum ₹7,500) | Fixed | Enquire |
Displayed figures are indicative references, not a binding offer. Confirm the current rate, APR and charges in the lender's official disclosure before applying.
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Personal Loan Interest Rates EMI Calculator
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The final rate depends on credit, income and repayment capacity.
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Indicative lender terms are discussed without guaranteeing approval.
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Proceed with the selected lender after reviewing final disclosures.
Indicative criteria
Who may be eligible?
- Salaried or self-employed applicant with documentable income
- Credit history acceptable to the selected lender
- Age and income within lender policy
- Existing EMI obligations within repayment capacity
How personal loan rates are decided
Banks and NBFCs assess credit score, monthly income, employer or business profile, repayment history, existing obligations and their internal risk policy. A lower rate generally reduces EMI and total interest when amount and tenure remain unchanged.
Fixed and floating rates
Most personal loans use fixed pricing, while some products may use a floating benchmark. Always confirm the rate type, annual percentage rate and all charges in the lender sanction terms.
How to improve your rate prospects
- Maintain timely EMI and card payments.
- Keep credit utilisation and total EMI burden under control.
- Compare multiple suitable lenders rather than making many simultaneous applications.
- Use accurate income and employment documents.
Common questions
Frequently Asked Questions
Are the displayed personal loan rates guaranteed?
No. They are indicative references. The lender decides the final rate after assessing credit, income, employment and repayment capacity.
What is APR in a personal loan?
Annual Percentage Rate is a broader measure of annual borrowing cost that considers interest and applicable charges according to the lender disclosure.
Important disclosure
Rates and charges are indicative market references and may change without notice. Final pricing, eligibility, approval and disbursal are solely decided by the lender. Urban FinCorp does not guarantee the lowest rate or approval.