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Personal Details

Top Banks for Personal Loans in India

HDFC Bank

  • Interest Rates: Starting from 10.85% per annum
  • Loan Amount: Up to ₹40 lakh
  • Tenure: Up to 5 years
  • Processing Fee: ₹6,500 plus GST

ICICI Bank

  • Interest Rates: Ranging from 10.85% to 16.65% per annum
  • Loan Amount: Up to ₹50 lakh
  • Tenure: 12 to 72 months
  • Processing Fee: Up to 2% of the loan amount

Axis Bank

  • Interest Rates: Starting from 11.10% per annum
  • Loan Amount: Up to ₹40 lakh
  • Tenure: Up to 7 years

Kotak Mahindra Bank

  • Interest Rates: Starting from 10.99% per annum
  • Loan Amount: Up to ₹35 lakh
  • Tenure: Up to 6 years

IDFC FIRST Bank

  • Interest Rates: Starting from 10.99% per annum
  • Loan Amount: Up to ₹1 crore
  • Tenure: Up to 7 years

Bank of India

  • Loan Amount: Up to 36 times the gross monthly salary
  • Tenure: Up to 84 months
  • Processing Fee: Nil for differently-abled customers

IndusInd Bank

  • Interest Rates: Starting from 10.49% per annum
  • Processing Fee: Up to 3.5% of the loan amount

HSBC Bank

  • Interest Rates: Ranging from 10.15% to 16.00% per annum
  • Processing Fee: Up to 2% of the loan amount

Yes Bank

  • Interest Rates: Between 11.25% and 21% per annum
  • Processing Fee: Up to 2.5% of the loan amount

Important Factors to Consider

  • Interest rates and their type (fixed or floating)
  • Processing fees and other charges
  • Loan tenure and flexibility in repayment
  • Pre-payment or foreclosure charges
  • Documentation requirements
  • Disbursement time
  • Customer service quality

Tips for Choosing the Right Bank

  • Compare interest rates from multiple banks
  • Calculate the total cost of the loan including all fees
  • Check your eligibility before applying
  • Read all terms and conditions carefully
  • Use online EMI calculators to plan your repayment
  • Consider your relationship with existing banks