Personal Loan · 20+ Lenders
Compare 20+ personal loan offers before you apply — not after.
From leading banks to fast-approval fintech apps, see interest rates, loan amounts, and processing time side-by-side. Borrow from ₹10,000 to ₹40 Lakh, with funds disbursed in as little as 10 minutes.
₹40LMaximum loan amount
10.5%*Interest from, p.a.
10 MinFastest disbursal
20+Lending partners
HDFC BANK 10.5%*
BAJAJ FINSERV 11.0%*
KREDITBEE INSTANT DISBURSAL
MONEYVIEW APPROVAL IN MINUTES
TATA CAPITAL UP TO ₹35 LAKH
FIBE (EARLYSALARY) 10 MIN FUNDING
NAVI 100% DIGITAL
Overview
What is a personal loan?
A personal loan is unsecured credit you can use for any purpose — a wedding, medical emergency, travel, home renovation, or debt consolidation — without pledging any collateral. Approval is based mainly on your income, employment stability, and credit score, and funds are typically disbursed directly to your bank account.
See offers you qualify for →Why compare before applying?
- Interest rates can vary by 5-8 percentage points across lenders
- Every rejected application can cause a temporary dip in your CIBIL score
- Processing fees and prepayment terms differ significantly
- Some lenders specialise in salaried applicants, others in self-employed
Lending Partners
20+ lenders, compared in one place
All
Banks
NBFCs
Fintech Apps
HDFC
HDFC Bank
Bank
AmountUp to ₹40L
Rate10.5%+*
Processing~24 hrs
TenureUp to 6 Yrs
- Pre-approved offers for salary account holders
- Flexible tenure up to 72 months
ICICI
ICICI Bank
Bank
AmountUp to ₹50L
Rate10.75%+*
Processing~24 hrs
TenureUp to 6 Yrs
- Instant disbursal for existing customers
- Balance transfer with top-up available
AXIS
Axis Bank
Bank
AmountUp to ₹40L
Rate10.99%+*
Processing~48 hrs
TenureUp to 5 Yrs
- Minimal documentation for salaried applicants
- Flexible EMI options
KOTAK
Kotak Mahindra Bank
Bank
AmountUp to ₹35L
Rate10.99%+*
Processing~48 hrs
TenureUp to 6 Yrs
- Decent rates for prime credit profiles
- Quick digital application
IDFC
IDFC FIRST Bank
Bank
AmountUp to ₹1Cr
Rate10.5%+*
Processing~48 hrs
TenureUp to 5 Yrs
- High loan amounts for eligible applicants
- Fully paperless process
Pfr
Prefr
NBFC
AmountUp to ₹5L
Rate13.5%+*
Processing~48 hrs
TenureUp to 5 Yrs
- Considers applicants with limited credit history
- Quick approval turnaround
BFL
Bajaj Finserv
NBFC
AmountUp to ₹40L
Rate11.0%+*
Processing~24 hrs
TenureUp to 8 Yrs
- Flexi loan option — pay interest only on utilised amount
- Same-day disbursal for pre-approved
TATA
Tata Capital
NBFC
AmountUp to ₹35L
Rate10.99%+*
Processing~48 hrs
TenureUp to 6 Yrs
- Competitive rates for salaried professionals
- Doorstep document pickup available
ABC
Aditya Birla Capital
NBFC
AmountUp to ₹25L
Rate12.0%+*
Processing~48 hrs
TenureUp to 5 Yrs
- Flexible repayment across multiple tenure options
- Digital KYC & e-sign
IIFL
IIFL Finance
NBFC
AmountUp to ₹25L
Rate12.75%+*
Processing~24 hrs
TenureUp to 5 Yrs
- Fast approval for salaried & self-employed
- Minimal document upload via app
PIRA
Unity Finance
Banks
AmountUp to ₹5L
Rate12.5%+*
Processing~48 hrs
TenureUp to 5 Yrs
- Simple eligibility for mid-income salaried
- Transparent fee structure
PFC
Poonawalla Fincorp
NBFC
AmountUp to ₹30L
Rate9.99%+*
Processing~24 hrs
TenureUp to 5 Yrs
- Among the lowest starting rates for prime profiles
- 100% digital, paperless process
INC
InCred
Fintech NBFC
AmountUp to ₹2L
Rate11.5%+*
Processing~10 min
TenureUp to 3 Yrs
- Instant online loan with minimal documents
- Salary-slip based quick approval
FIBE
Fibe (EarlySalary)
Fintech NBFC
AmountUp to ₹5L
Rate16%+*
Processing~10 min
TenureUp to 2 Yrs
- Cash loan for young salaried professionals
- App-based, near-instant funding
MV
MoneyView
Fintech NBFC
AmountUp to ₹10L
Rate16%+*
Processing~few mins
TenureUp to 5 Yrs
- Considers thin-credit-file applicants
- Fully digital eligibility check
RAM
Ramfincorp
Fintech NBFC
AmountUp to ₹15L
Rate13.99%+*
Processing~24 hrs
TenureUp to 4 Yrs
- 100% digital lending platform
- Real-time eligibility check
SF
Stashfin
Fintech Credit Line
AmountUp to ₹5L
Rate11.99%+*
Processing~10 min
TenureFlexible
- Revolving credit line, pay interest only on usage
- Instant app-based approval
KB
KreditBee
Fintech NBFC
AmountUp to ₹5L
Rate16%+*
Processing~few mins
TenureUp to 2 Yrs
- Small-ticket instant loans for young earners
- Minimal KYC via mobile app
CASHe
CASHe
Fintech NBFC
AmountUp to ₹4L
Rate18%+*
Processing~10 min
TenureUp to 2 Yrs
- AI-based credit scoring for quick decisions
- Short-tenure salary advance loans
NAVI
Navi Finserv
Fintech NBFC
AmountUp to ₹20L
Rate9.9%+*
Processing~10 min
TenureUp to 6 Yrs
- Fully app-based application, no paperwork
- Among the fastest disbursal times
PS
PaySense
Fintech NBFC
AmountUp to ₹5L
Rate16%+*
Processing~few mins
TenureUp to 5 Yrs
- Easy eligibility for first-time borrowers
- Instant online disbursal
FUL
Fullerton
NBFC
AmountUp to ₹20L
Rate11.5%+*
Processing~48 hrs
TenureUp to 5 Yrs
- Salary-slip only documentation for eligible applicants
- Wide branch network for support
Plan Ahead
Estimate your personal loan EMI
Adjust the sliders to estimate your monthly instalment. Actual EMI depends on the specific lender and offer you’re approved for.
Get my exact eligibility →Monthly EMI₹0
Total interest₹0
Total payment₹0
Eligibility
General Eligibility Criteria
| Criteria | Salaried | Self-Employed |
|---|---|---|
| Age | 21–60 Years | 24–65 Years |
| Minimum Income | ₹15,000 / Month | ₹2,00,000 / Year |
| Work Experience | 1+ Years | 2+ Years Business |
| CIBIL Score | 675+ Preferred | 675+ Preferred |
Key Features & Benefits
- No collateral or guarantor required
- Use funds for any purpose — no end-use restriction
- Fixed EMIs for predictable repayment
- Prepayment & foreclosure options available
- 100% Digital application with e-KYC & e-Sign
FAQs
Personal loan questions, answered
How quickly can I get a personal loan disbursed?
Fintech lenders like Fibe, InCred, and Navi can disburse funds in as little as 10 minutes for eligible applicants; banks typically take 24-72 hours.
Which lender offers the lowest interest rate?
Rates depend on your credit score and income profile. Among our partners, banks and select NBFCs like Poonawalla Fincorp and Navi typically offer the lowest starting rates for prime applicants.
Can I get a personal loan with a low CIBIL score?
Some NBFCs and fintech lenders consider applicants with limited or lower credit scores, though typically at a higher interest rate to offset the added risk.
Is there a fee to compare offers on Finaxy World?
No, comparing offers and checking your eligibility on Finaxy World is completely free.
Can I prepay my personal loan early?
Most lenders allow prepayment or foreclosure after a minimum lock-in period (often 3-12 months), sometimes with a small prepayment charge.
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