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User reviews
  • I think interest rates are same for all banks. Initially when I applied for personal loan with ICICI bank they offered me bit high interest rates and later on it was low after so much of negotiations. Now I have got my personal loan from private financial institution. It will be better icici may improve on their documentation part and customer service. They are sending the executives for picking up the documents without even confirming about the interest rates and documentation
    04:33 PM - Sep 01, 2014

    SRINATH S, bangalore
    1.0/5 "Really Bad"
  • Overall I could say BAJAJ FINSERV was very good . It would be very nice if their customer care bit more aggressive towards delivering the product information to the customer. Personally I went to branch for all details of my personal loan application. The only reason I choose my loan with them because they are having part payment option even though their interest rate bit high compared to the market
    04:09 PM - Sep 01, 2014

    SANTOSH G S , bangalore
    2.5/5 "Just OK"
  • Personal Loan with ICICI the interest rate was 16% it was quite high so i cosed the application, they had time to time follow up it is really good. I would say their should be proper communication about interest rate on the site, pre closure charges and application fee should be considered it must be acceptable.
    03:35 PM - Sep 01, 2014

    2.0/5 "Expected more"
  • One of my friend recently took a personal loan from CITIBANK and he recommended the bank to me. I contacted the agent who helped me friend in availing the loan and submitted all the required documents to him. After 3 days of processing they disbursed my loan. Best part is the rate of interest of 13.99% and only 1% of processing fees.
    04:32 PM - Sep 01, 2014

    4.5/5 "Excellent!"
  • ICICI bank was having some CAP for the amount which I have requested for my personal loan application. And there is no part-payment option with them so only I closed the loan. Compared to other banks interest rate was quite equal as per market . It would be really nice if they come up with prepayment option in future
    04:03 PM - Sep 01, 2014

    SANTOSH G S , bangalore
    3.0/5 "Satisfactory"
  • I got nice experience in ICICI bank for my personal loan . The parameter they needs to work on their interest rate. It was pretty high. So I moved to CITI bank where they offered me with less interest. No hassles on the service . Overall I could say they are very good in customer service and response
    03:18 PM - Sep 01, 2014

    SANJAY J, new delhi
    4.0/5 "Great!"
  • It was a great experience of applying a personal loan with ICICI bank. I had dropped the plan of availing the loan because the rate of interest was too high than the market rate. Otherwise the service and the response are excellent. ICICI bank offered me a rate of interest of around 16 % while I was having an offer from another bank with an offer of 13.99%. Of course, I chose the best rate of interest and closed my application with ICICI bank.
    04:32 PM - Sep 01, 2014

    4.5/5 "Excellent!"
  • ICICI Personal Loan the thing is interest rate is very high it was 16% that is only disadvantage they are not ready to negotiate. I would suggest they should be some consideration on interest rate based on customers point. When compare to other banks charges is quite same. The response was fine for me their is no issues on that.
    04:01 PM - Sep 01, 2014

    RANJITH A, pondicherry
    3.0/5 "Satisfactory"
  • Personal Loan with ICICI Bank good thing is they processed my loan in 3 days, they have fulfill their commitments. Interest rate was 16.25% it was normal as other banks i have checked in market as well. Customer service was excellent they did not hide any thing they were very clear. They charged 2% processing fee i think it was quite high, It would be great if they reduce the charges..
    01:05 PM - Sep 01, 2014

    M SATHEESH KUMAR, raipur
    4.0/5 "Great!"
  • Awesome Service. What ever HDFC bank committed to me then complete it. No Hassle!!!... Very committed and supportive team. Overall very satisfied. I wish they keep providing same service with other products like Saving account. Overall 4.5 out of 5.
    04:14 PM - Sep 01, 2014

    Manish Srivastava, new delhi
    5.0/5 "Blown Away!"
  • HDFC Personal Loan: It was really good the way of approach was best, overall it was great experience on first instance its done the process was very fast with in 4 days my loan got approved. Interest rate was 14.23% it was quite good when compare to other banks, their was no disadvantage i fully satisfied.Charges were also reasonable as i check with other banks.
    03:52 PM - Sep 01, 2014

    RANJITH A, pondicherry
    5.0/5 "Blown Away!"
  • I got only limited response from icici bank for my personal loan. It would be really great if they have consistent follow-ups. And it will also nice if they improve on their customer service with proper relevant informations. Overall not bad.
    12:45 PM - Sep 01, 2014

    3.5/5 "Pretty good"
BankBazaar Personal Loan is Rated as "Great!" by 4655 Users
 4.0 / 5.0   by 4655 users
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Fees & Charges

Promised Interest Rate

Customer Service



You're eligible for a Personal Loan if you:

That's 21 years old, same time that everything besides milk becomes legal too

Are legally adult enough to handle it

Less than 65 years of age, because sanguine golden years are for playing golf

Have still got it

Salaried or self-employed - whatever puts food on your table

Get a regular pay check

There's a minimum amount for that regular pay check

Make more than a basic buck

Your eligibility depends on

Personal Loan Minimum Salary

Minimum income required
Rs.17,500 per month

Personal Loan Maximum Loan Funded

Maximum allowed personal loan is Rs. 50K to Rs. 30 lakhs

Personal Loan EMI

EMIs of other loans lower
your eligibility

Boost your eligibility by

Personal Loan Payoff Outstanding Credit Card Bills

Pay off your credit card bills

Choose longer tenure loan up to 5 Yr years

Nothing gets done without that paperwork (which we'll happily carry over to the bank for you, no sweat). Here's what you'll need:

  • 1. Photo ID and age proof
  • 2. Signed application form with photograph
  • 3. Residence proof
  • 4. Last 6 months bank statement
  • 5. Documentation for salaried applicants:
    • Last 3 months salary - slips
    • Form 16 or Income Tax Returns
  • 6. Documentation for self-employed applicants:
    • Last 3 years Income Tax Returns with computation of Income
    • Last 3 years CA Certified / Audited Balance Sheet and Profit & Loss Account

Personal Loan Interest RatesUpdated on 02 Sep 2014

Personal Loan Details
Interest Rate (Monthly reducing balance) 13.49% - 34%
Processing Fees 0.5-2.5%
Loan Tenure 1 year to 5 years
Pre-closure Charges 2% - 5%
Guarantor Requirement No guarantor required

rated 4.0 /5.0
by 4655 users
Over 5,00,000 Happy Customers with loans & cards
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This is our forte- helping you compare the finest deals. Additionally, we'll handpick offers that suit your profile and present the best rates from several banks, so you can make a thoroughly-informed decision.

Breaking Down Offers
Breaking down offers

We're obsessed with giving you a 365 degree view of offers. So, we'll break it down for you - EMIs, eligibility, maximum amount that can be borrowed, fees, hidden charges... no more getting fooled by the fine print!

Why Apply Online
Emergency, Marriage or Travel

Be it a marriage, higher education, a personal emergency, shopping needs or just need extra cash - instant cash with the best rates & timely handheld support.

Cheaper then Dealer
Why apply online?

You don't have to fight for parking space! Jokes apart, applying online will help you save time and money; plus, you'll be able to use the services of our super-friendly customer service team at anytime and get all your queries answered.

Comparing Best Car Loans
Done comparing! Now what?

We showcase the best loan offers and help you compare them... what next? Well, we'll aid you in applying to the bank of your choice and work with you right up to the delivery of the loan!

Still have a gazillion questions?
Still have a gazillion questions?

Think of BankBazaar as your loan-savvy buddy! Our customer support team is at your service to clear doubts on eligibility, offers, procedures and documentation, and help you apply. They'll even co-ordinate with the bank to get you your loan on time.

Connect to the Bank
We'll connect you to the bank

We know the bank guys really well! So, if you want to talk to a bank representative or get help on your loan application, we won't just connect you to them; we'll also do the follow-up on your behalf.

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