Why BankBazaar Loan?
  • Compare multiple bank offers
  • Apply Online for Lowest Rates
  • Get e-approval instantly
 Loan Ratings
4.0 / 5.0 by 4773 users

Fees & Charges

Promised Interest Rate

Customer Service

Responsiveness

 Loan Reviews

"HDFC LTD customer service and rate of interest was good. But they took much time to disburse my loan i was pretty upset on that apart from that i like their documentation process overall it was good to deal with HDFC LTD.I will recommend HDFC LTD to my friends an colleague. "

, Mumbai
More Reviews
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What is a Loan?

A Loan is a transaction where the lender gives money to the borrower, to be paid back with interest in EMI's.

Types of Loans

Personal Loan, Home Loan, Car Loan, Loan against property, Gold loan, etc are various types of loans available in India.

How Bankbazaar helps you get a loan?

Bankbazaar helps you compare & apply real time loan rates & other fees from various banks.
Secure & Safe

Compare Loan Offers. Apply Online and Save Thousands of Rupees.

We've identified the lowest interest rate quotes for your profile with great savings.

Rates & special offers displayed below are accurate & applicable ONLY for applications made on BankBazaar.com

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Loan Overview

Low interest rate Loan offers.

Looking for a Loan in India? Compare Personal Loan, Home Loan and Car Loan offers online at BankBazaar.com for India.

We can help you find the right loan deals in India. We work with major banks & financial institutes like HDFC Bank & Fullerton India who offer great personal loan deals at low interest rates with fast & simple online approval process. For Home Loans we work with HDFC Ltd, Axis Bank, ICICI Bank & others to get you the best home loan interest rates. To help you buy your dream car in India we work with Axis Bank and HDFC Bank to get you the best car loan interest rates.

Why Apply for a Loan on BankBazaar.com?
  • One stop shop for multiple products: Get best loan offers for personal loans, home loans and car loans at BankBazaar.com.
  • Lowest interest rates: We have coordinated with HDFC Bank, Fullerton, HDFC Ltd, Axis Bank & ICICI Bank to get you the lowest Personal Loan interest rates, Home Loan interest rates and Car Loan interest rates in India.
  • Instant Quotes: Get Loan quotes customized to your profile online instantly by filling in the form above.
  • Simple Online Comparison: Compare Loan offers on the basis of interest rate, EMI, processing fees & customer satisfaction.
  • Transparency: Aimed at helping you make the right choice, we provide objective and transparent information about your loan options.
  • Privacy: Your application is sent only to the lender you choose, and is never shared with anyone else.
  • Trust: Top private banks in India like HDFC Bank, ICICI Bank and Axis Bank uses BankBazaar.com-powered technology to give thier customers the best Loan experience on their websites. www.hdfcbanksmartapply.com, https://www.hdfcinstanthomeloans.com/home-loan/compare-interest-rates.html, https://loans.axisbank.com/ and https://loans.icicibank.com/
How to get a Loan in India on BankBazaar.com
  • Eligibility Calculator: Fill the form above to instantly get customized Loan quotes that you are eligible for.
  • Compare Loan offers: Compare customized Personal Loans, Home Loans and Car Loan offers in India from various banks based on your eligibility criteria and apply online for the one you like.
  • Your application will be sent electronically to the lender you chose. The lender will contact you within one day.
  • BankBazaar.com will update you on your loan application status via email & SMS alerts.

Loan FAQs

  1. What are the interest rates for Loans?
    Each bank will have different Interest rates. Interest rates will also vary depending on each individual’s eligibility criteria’s. Typically Interest rates start at 12% and can go up to 28%.

  2. How much money am I eligible for?
    You can borrow as much as you can repay. This in banking terms would mean a Loan that has an EMI that does not exceed 40% of your monthly take home income, where the EMIs for existing loans are also deducted.
    For self-employed applicants, profit is the benchmark that determines loan value. The longer the time frame for repaying the loan the lower the EMI and this also means you can opt for a larger loan amount. The loan amount you are eligible for is also dependent on other factors like the company you are employed with, the location of your residence and your credit history.

  3. Can I have a co-applicant for a Loan?
    Yes, you can opt for a co-applicant. This can help you increase the loan amount you are eligible for as the income of the co-applicant is also taken into consideration.

  4. What is credit history? How does a financial institution check on my credit history?
    A credit history is basically a record of your past repayments of loans and credit card bills. Also, there is a central bank of data available with the Credit Bureau of India Limited (CIBIL), where data from all the banks on existing loans and their repayment patterns of their customers are accumulated. Before approving your loan a financial institution always checks with CIBIL on your loan repayment track record.

  5. How can I compare quotes from multiple banks?
    One of the easiest ways to do this is to compare online. Find your Loan at BankBazaar.com to gain instant access to the best quotes from various lenders.

  6. What does prepayment charge mean? Does it matter while comparing loans?
    A Loan is repaid to the lender within a fixed time frame, which is usually 1 to 5 years. In case you want to clear the loan payment earlier than the agreed time frame, the bank levies a prepayment penalty charge. This could be up to 5% of the outstanding loan amount but can vary according to the bank and the credit profile of the borrower. Make sure the interest saved by pre-paying exceeds the prepayment fee paid. This is one of the factors to keep in mind while comparing loans.

  7. What is the difference between a fixed interest rate and floating interest rate?
    A fixed interest rate remains constant throughout the loan tenure regardless of the market conditions whereas a floating interest rate can decrease or increase depending on market fluctuations. For instance, it increases when RBI hikes up short term interest rates. Banks usually quote the floating rate loans as their index rate (prime lending rate) plus or minus x%. Banks usually increase or decrease their prime lending rate when the RBI increases or decreases short term interest rates.

  8. Does Bank Bazaar charge me for its services?
    BankBazaar’s services come to you free of charge.

  9. How will the security and privacy of my data be ensured?
    BankBazaar will never share your data with any third party other than the financial institution that you decide to apply to. Our sound technology practices ensure a highly secure environment for all your data.

Loan Eligibility & Documentation

Check Loans offers online

Loan Eligibility: You are eligible for a loan if you are:
  • Salaried individual
  • Self employed individual
  • Self employed professional like doctor, lawyer, etc.
  • Aged above 18 years
  • Have a good CIBIL credit score
  • Good repayment capacity with fixed & stable income source
  • Overall banks rating for the company you work for
  • Try our Personal Loan eligibility Calculator to check how much loan amount you are eligible for.

Loan documentation: loan documentation process is minimal and generally banks require the following document:
  • Identity proof (Pan card, Passport, etc.)
  • 3 to 6 months bank statement (if salaried then bank statement of your salary account)
  • Residence proof (rent agreement, property document, ration card, etc)
  • Salary Slips
  • In case of self-employed banks require balance sheets, profit & loss account, partnership deed & other documents etc.

Loan Interest RatesUpdated on 20 April 2014

Details of Loan

Personal Loan Interest Rate.(Monthly reducing balance)
14.25% to 49% fixed. Check Customized Interest Rates Now!
Processing Fees
1% to 5% of loan amount
Personal Loan Tenure
1 year to 5 years
Personal Loan Amount
Rs. 1 lakh to Rs. 20 lakhs
Pre-closure Charges
4% of pre-closed amount
Guarantor Requirement
No guarantor required

Details of Home Loan

Home Loan Interest Rate.(Monthly reducing balance)
10.5% to 14.25% floating. Check Customized Interest Rates Now!
Processing Fees
0.5% to 1% of loan amount
Home Loan Tenure
1 year to 20 years
Home Loan Amount Funded
Up to 85% of property value
Pre-payment Charges
0% to 2% of amount being prepaid
Pre-closure Charges
0% to 2% of amount being preclosed
Guarantor Requirement
No guarantor required

Details of Car Loan

Car Loan Interest Rate.(Monthly reducing balance)
10.50% to 14.25% floating. Check Customized Interest Rates Now!
Processing Fees
Up to Rs. 3,650
Car Loan Tenure
1 year to 5 years
Pre-closure Charges
3% to 6% of foreclosed amount
Car Loan Amount
Varies based on car model. Up to 100% financing for pre-approved customers.
Guarantor Requirement
No guarantor required

Loan Articles

  • Document Checklist for Personal Loans!!!
    A personal loan is by nature an unsecured credit that is provided to an individual based on his personal capability of repayment. The process is extremely simple and fast provided that the requisite documents are in order when applying for the loan.
  • What happens after a personal loan is disbursed?
    The ease and simplicity associated with the personal loan along with no restrictions on the end usage makes it extremely popular option to raise funds when there is an urgent need. There are many doubts in the minds of applicants regarding the post disbursal procedure involved in a personal loan
  • When should one apply for a personal loan?
    One should opt for a personal loan only when all other means of availing funds have been exhausted and the need is pressing and situational. Taking a personal loan when the need is not justifiable or other means are available creates tremendous amount financial complications at a later stage.
  • Have more questions on loans? Ask us now!
    GATEWAY_PL_ARTICLE5_SUMMARY
  • All about home improvement loans!
    Most people who buy a home through a home loan are often left with little cash to carry out any further improvements in the house as per their requirements. Some opt for personal loans in order to make good this requirement.
  • Essentials before you take a home loan!
    Every financial institution which deals in home loans has a specified set of requirements which are to be met by a borrower. When a borrower is found to be eligible for the loan, only then he is granted the amount applied for.
  • Home loan document checklist for self-employed!
    Getting a home loan approval can be a long and tiresome process especially if you are a self-employed professional or business owner. This is because many banks doubt business men for job continuity, as they are free to quit their jobs at any time. 
  • Have more questions on loans? Ask us now!
    GATEWAY_HL_ARTICLE5_SUMMARY
  • Options for financing education abroad
    Studying abroad is expensive and at times the cost can be as high as six times that of the cost in India and hence planning needs to be done to ensure that sufficient funds are at disposal when needed. This is essential because to apply for the student visa, you need to show proof of funds sufficient to cover at least the first year of education.
  • Some basic facts about educational loans
    A ray of hope is seen with the availability of educational loans from various banks, which can fund an individual’s higher education. As these loans are not one of the ‘mainstream’ loans such as home loans or personal loans, people are hesitant or mostly unaware of such options. Here are answers to some generic queries that rise in regards to educational loans.
  • Education loans set to become more attractive!
    Typically interest rate on the education loan starts accumulating as soon as the course is over. Since interest during the moratorium period will be paid by the government, EMI for the borrower is set to fall. This will reduce pressure on his/her cash flows.
  • Education loan amount is to be correlated to repayment capacity
    According to a recent press report the revised education loan scheme implemented on all banks will make disbursal based on the repayment potential of the borrower. The education loans are not going to be offered based on the parental income or family wealth of the borrower which will be the decisive factor.
  • How to get a car loan faster!
    Getting a car loan is not supposed to be a Herculean task where the customer runs from pillar to post trying to negotiate a good deal and securing approval of the financing company.
  • Luxury car loans in India!
    The key to pushing up sales in this segment lies in creating unbeatable financing schemes that will lure the prospective customer from mid segment to luxury cars.
  • What is the application process for a car loan?!
    Applying for a car loan is relatively simpler as compared to a home loan primarily because the amount involved is less and the documents needed are much simpler to obtain.
  • Have more questions on loans? Ask us now!
    GATEWAY_CL_ARTICLE5_SUMMARY

Loan Forum

  Loan Reviews
Customer Reviews
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  • Virtuous Service
    /images/customer_review/default-unknown-person.png
    HARSHAL PATIL, mumbai
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    4.0/5
    validated-source
    (0)

    HDFC LTD customer service and rate of interest was good. But they took much time to disburse my loan i was pretty upset on that apart from that i like their documentation process overall it was good to deal with HDFC LTD.I will recommend HDFC LTD to my friends an colleague.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC LIMITED on BankBazaar.com Reviewed on
  • Good service
    /images/customer_review/default-unknown-person.png
    Yes, I recommend this bank.
    HDFC LIMITED Home Loan
    4.0/5
    validated-source
    (0)

    HDFC LTD customer service and rate of interest was low when compared to others in the market. But i feel they do not have proper interaction among internal team and they must work towards responding to their customers on time. It would be nice there process time is little more fast. Overall nice!

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC LIMITED on BankBazaar.com Reviewed on
  • Good service from ICICI!!!!!
    /images/customer_review/default-unknown-person.png
    MUKESH KUMAR AGARWAL, new delhi
    Yes, I recommend this bank.
    ICICI BANK Personal Loan
    3.0/5
    validated-source
    (0)

    I am happy with ICICI Bank services. They took minimum documents from me and got my loan done. They took fifteen days to process my loan it would have been better if they would have processed it little faster. am little unhappy with their processing fees, it could have been better.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from ICICI BANK on BankBazaar.com Reviewed on
  • Satisfactory Services
    /images/customer_review/default-unknown-person.png
    SANKARALINGAPANDIAN MEENAKANIARASU, chennai
    Yes, I recommend this bank.
    ICICI BANK Credit Card
    3.0/5
    validated-source
    (0)

    "I have been using ICICI Bank for past 10 years and I use only credit card for most of the transactions. I am happy with the services of phone / net banking and fund transfer via online is easy and fast as the payment gets transferred immediately to credit cards. Their online portal is secured and I have been provided a life time free credit card which is the happiest thing for being a customer of ICICI Bank. "

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Credit Card from ICICI BANK on BankBazaar.com Reviewed on
  • Axis Must Improve the Service
    /images/customer_review/default-unknown-person.png
    SANKARALINGAPANDIAN MEENAKANIARASU, chennai
    Yes, I recommend this bank.
    AXIS BANK Car Loan
    4.0/5
    validated-source
    (0)

    Services of Axis Bank was fine. They did a good follow up and disbursed my loan within 1 week. Axis Bank sent executives for document collection and provided me door step services. Their processing fee and rate of interest was less when compared with other banks.

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    Fees & Charges
    Promised Interest Rate
    Customer Service
    Responsiveness
    took a Car Loan from AXIS BANK on BankBazaar.com Reviewed on
  • Good experience
    /images/customer_review/default-unknown-person.png
    KISHORE PACHI, bangalore
    Yes, I recommend this bank.
    HDFC BANK Car Loan
    5.0/5
    validated-source
    (0)

    HDFC Bank rendered me with quite good service and my car delivery happened on time ,rate of interest was also fine and whatever they have promised me they have done that am really happy to deal with them in future too.............!!!!!!!!!!!

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Car Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Good service
    /images/customer_review/default-unknown-person.png
    KISHORE PACHI, bangalore
    Yes, I recommend this bank.
    HSBC BANK Credit Card
    5.0/5
    validated-source
    (0)

    Being the employee of HSBC i feel HSBC credit card is the best in the market and am happy to have a credit card with them and they are good in terms of customer service, net banking and on their security level specially for HSBC employee they offer zero percentage annual fee card and am quite glad to use HSBC credit card.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Credit Card from HSBC BANK on BankBazaar.com Reviewed on
  • Amazing and Awesome job
    /images/customer_review/default-unknown-person.png
    KISHORE PACHI, bangalore
    Yes, I recommend this bank.
    HDFC BANK Car Loan
    4.0/5
    validated-source
    (0)

    HDFC Bank is one of the best bank in the market to opt loan,i like HDFC in terms of their polite communication towards customer and am quite happy to deal with them.I never faced any problem with them,rate of interest was quite ok when compared with other private bank.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Car Loan from HDFC BANK on BankBazaar.com Reviewed on
  • 'Improvisation on their service'
    /images/customer_review/default-unknown-person.png
    MUKUND RAGHAVAN, chennai
    Yes, I recommend this bank.
    AXIS BANK Credit Card
    4.0/5
    validated-source
    (0)

    I like AXIS Bank because of their customer service ,benefits like credit card redemption and reward points also seems to be good.But am disappointed on their response when i placed request to deliver my pin number soon,they took much time to deliver my pin number and i asked them to cancel my credit card apart from that i was quite happy to deal with them.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Credit Card from AXIS BANK on BankBazaar.com Reviewed on
  • Virtuous Service
    /images/customer_review/default-unknown-person.png
    MUKUND RAGHAVAN, chennai
    Yes, I recommend this bank.
    HDFC BANK Car Loan
    5.0/5
    validated-source
    (0)

    HDFC Bank customer service and response was really good.It was simple to use and i like their net banking facility and i haven't faced any problem with HDFC Bank, it will be good they reduce their rate of interest and even they have long way to go...they are good enough in terms serving customer.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Car Loan from HDFC BANK on BankBazaar.com Reviewed on
  • 'Good Experience'
    /images/customer_review/default-unknown-person.png
    MUKUND RAGHAVAN, chennai
    Yes, I recommend this bank.
    HDFC BANK Car Loan
    4.5/5
    validated-source
    (0)

    Bankbazaar website was too good in terms of customer service,communication and contacting customer frequently on time. HDFC Bank is one of the best bank in the market to opt loan,though i have a salary a/c with them it was essay for me to interact ,and it will be good if they zero-wise their processing fee apart from that am quite happy to deal with them.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Car Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Customer Service is good
    /images/customer_review/default-unknown-person.png
    NITIN ANANT TAWDE, mumbai
    Yes, I recommend this bank.
    HDFC BANK Home Loan
    4.0/5
    validated-source
    (0)

    I have never faced any issues with HDFC Bank till now. I have been using their credit card and salary account for a long time.Online portal is good,user friendly and secured .I liked their authentication process for transactions. One best thing with HDFC Bank is they have lots of branches and Atms all over and it is easily accessible

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from HDFC BANK on BankBazaar.com Reviewed on
  • Quick services from Bajaj
    /images/customer_review/default-unknown-person.png
    NIRANJAN GHOSH, pune
    Yes, I recommend this bank.
    BAJAJ FIN SERV Personal Loan
    5.0/5
    validated-source
    (0)

    I am happy with services from Bajaj finance. They quickly processed my loan after getting my documents. I guess it took only three days and I got my personal loan. They have responded to me very well whenever i called them for any inquiry. overall satisfied.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from BAJAJ FIN SERV on BankBazaar.com Reviewed on
  • Excellent job
    /images/customer_review/default-unknown-person.png
    DINESH KUMAR, new delhi
    Yes, I recommend this bank.
    ICICI BANK Car Loan
    5.0/5
    validated-source
    (0)

    ICICI Bank Customer service and response was quite good,basically customer will always look for quality service so i will recommend ICICI Bank for my friends and colleague.ICICI Bank was good in terms of net banking and their phone banking facility is also good.But one suggestion to ICICI that they have to work on their security level in net banking ,apart from that am quite glad to have relationship with ICICI Bank.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Car Loan from ICICI BANK on BankBazaar.com Reviewed on
  • ' Good service'
    /images/customer_review/default-unknown-person.png
    DINESH KUMAR, new delhi
    Yes, I recommend this bank.
    STATE BANK OF INDIA Car Loan
    5.0/5
    validated-source
    (0)

    I like State Bank of India for their Rate of interest.Their documentation process was fine, but i have a suggestion to SBI to increase their head counts to serve each and every customer,otherwise overall am happy to deal with them........

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Car Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Slow Process But Good Service
    /images/customer_review/default-unknown-person.png
    SIB SANKAR DEY, bangalore
    Yes, I recommend this bank.
    STATE BANK OF INDIA Home Loan
    3.5/5
    validated-source
    (0)

    I got my home loan processed from SBI. Initially they took long time to process but later things were done smoothly.They charged very less processing fee and their legal clearance is very good. We blindly can trust the legal clearance of SBI an d the best thing with SBI is they provide zero % pre-closure / pre-payment charges.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Fantastic Service
    /images/customer_review/default-unknown-person.png
    SIB SANKAR DEY, bangalore
    Yes, I recommend this bank.
    CITIBANK Credit Card
    4.5/5
    validated-source
    (0)

    Citibank is a nice bank in terms of customer support and online services. I have a premium mile credit card and saving account with them. I have been banking with them for quite a long time and the greatest advantage is they waive off my late payment charges if any and they do it promptly. Best thing with Citibank Saving account is they provide bonus points when transactions are done and which can be redeemed online by choosing gift / food vouchers

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Credit Card from CITIBANK on BankBazaar.com Reviewed on
  • Good services from SBI
    /images/customer_review/default-unknown-person.png
    Yes, I recommend this bank.
    STATE BANK OF INDIA Personal Loan
    4.0/5
    validated-source
    (0)

    I am satisfied with SBI for my personal loan. Their services are good and polite. They verification process is ok just that their documentation is little long but after i applied within ten to fifteen days they processed my loan. I have already recommend this bank to my friends also.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Personal Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
  • Credit Card
    http://graph.facebook.com/100007498685002/picture
    Joemon Joseph Edathala, kochi
    Yes, I recommend this bank.
    HDFC BANK Credit Card
    5.0/5
    (0)

    Hassle free and suit to every needs. There is no hidden charges as many of the providers do. Also there is high security in transactions, you will defenitely get a confirmation call from the customer service when you spend larger amounts from your card. From my experience, HDFC Regalia is the best card ever.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Credit Card from HDFC BANK Reviewed on
  • Avoid selling Insurance
    /images/customer_review/default-unknown-person.png
    RIYAZ SHAIKH, pune
    Yes, I recommend this bank.
    STATE BANK OF INDIA Home Loan
    4.0/5
    validated-source
    (0)

    SBI is good for loans,they gave me proper response and their processing fee and rate of interest is very less when compared with other banks.Another feature that i like with SBI is they have a scheme called Super Saver Scheme in which the interest payouts on saving account is high when compared with normal accounts. Worst thing with SBI is they force the customers to take insurance against the property for which the loan is taken.They must stop doing this as they cannot force any customer to apply for insurance.

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    Promised Interest Rate
    Fees & Charges
    Customer Service
    Responsiveness
    took a Home Loan from STATE BANK OF INDIA on BankBazaar.com Reviewed on
Customer Reviews
Page 1 of 50 1 2 3 4 5