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LOGINTOLOANS | Interest Rate Comparison – Best Loan Interest Rates in India
Interest Rate Comparison

Compare Loan Interest Rates

Find the best interest rates for Personal, Home, Car, Business & Education Loans from top banks

Personal Loan
Home Loan
Car Loan
Business Loan
Education Loan

See How Interest Rate Affects Your EMI

₹

Personal Loan Interest Rates

Bank Interest Rate (p.a.) Processing Fee Max Tenure Eligibility

Factors That Affect Your Interest Rate

Credit Score

750+ gets lowest rates, below 650 may get higher rates

Employment Type

Salaried vs Self-employed - Salaried often gets better rates

Company Profile

Working with top MNCs/PSUs can get preferential rates

Relationship with Bank

Existing customers may get lower interest rates

How Interest Rates Work

EMI Formula: EMI = P × r × (1+r)ⁿ / ((1+r)ⁿ - 1)

A lower interest rate directly reduces your EMI and total interest payable over the loan tenure.

Interest Types:

• Fixed Rate: Remains constant throughout loan tenure
• Floating Rate: Changes based on market conditions (linked to RBI repo rate)
• Reducing Balance: Interest calculated on outstanding principal (most common)
Tip: Even a 0.5% reduction in interest rate can save you thousands over the loan tenure. Always negotiate with banks if you have a good credit score.
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