Multiple banks. Different interest rates. Call it a "conflict of interest".
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    We found 31 Personal Loan Interest Rates

    Bank Name
    Interest Rate Range
    Processing Fee Range
    Loan Amount
    Tenure Range
    11.49% - 15.99% Fixed
    0.5%
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
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    Customer Reviews
    10.99% - 14.49% Fixed
    0
    30L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Ad
    What you'll love
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    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.99% - 19.8% Fixed
    Up to 2% One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
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    Perks
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    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.49% - 21.00% Fixed
    0 One time fee
    20L Max
    1-6 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
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    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    13.99% - 16.99% Fixed
    0 One time fee
    20L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless Approval Option Available
    What you'll love
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    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
    10.99% - 17.99% Fixed
    2.25% (min. ₹1499 + applicable tax) One time fee
    20L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    12% - 18% Fixed
    Up to 1.5% One time fee
    15L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free INSTANT DECISION
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    Customer Reviews
    12% - 19% Fixed
    Up to ₹3000 One time fee
    25L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free Paperless approval option available
    What you'll love
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    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    10.70% - 11.70% Floating
    0.5% One time fee
    50 K - 10 L
    1-5 Years
    Response Time Within 30 minutes
    Guarantor Required Paperless approval option available
    What you'll love
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    Good to Know
    Eligibility Criteria
    17.25% - 37% Fixed
    1.5% to 6.0% One time fee
    15L Max
    1-4 Years
    Response Time Within 30 minutes
    Paperless approval option available
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    11% - 16.49% Fixed
    Up to 2.5%
    15L Max
    1-5 years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Think about
    Fees & Charges
    Good to Know
    Eligibility Criteria
    Customer Reviews
    11.75% - 13.75% Fixed
    1% One time fee
    30L Max
    1-5 Years
    Response Time Within 30 minutes
    Rs.1,000 Amazon voucher free
    What you'll love
    Documents
    Perks
    Fees & Charges
    Good to Know
    Eligibility Criteria
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  • Customer Reviews

    • Bank Bazaar Customer Support
      "Personal Loan"
      0.5 4.0/5 "Great!"
      I am very much happy with bankbazaar, it was a great experience too. I had received a call from your side with your nice warm welcoming words,,, it's great experience in my life. I am very happy for the same... I hope you would give the same sort of service for a long time,, very great work , Keep it up!!!
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 21, 2017
    • Bank Bazaar Customer Support
      "Nice App.Thanks For Support My Credit Card application."
      0.5 5.0/5 "Blown Away!"
      Thank You Bank Bazaar Team. I would suggest Bankbazaar to provide assistance in Marathi language too, as your executives always say "Sir please speak in English or Hindi''. I am not sure what is the problem conversing in marathi, please make sure all regional language operators are available to provide customers support .
      Was this review helpful? 0
      , pune
      Reviewed on Jul 21, 2017
    • HDFC Bank Personal Loan
      "Useless bank"
      0.5 0.5/5 "Unacceptable"
      Dont apply personal loan with HDFC. 1st they will call you telling, Sir you have a HDFC salary account so you are eligible PL for 3 lakhs, when i applied they said sir your personal loan is rejected as it did not met internal policies. My Cibil was 765 No other loans PAN CARD AADHAR is upto the mark Salary is 36K take home Address proof also is Authentic. Then why, they only say did not met internal criteria, if did not met that, why the hell you call at all asking us to take a loan with you(HDFC). Opt for ICICI or Axis guys don't use HDFC. Regards
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 21, 2017
    • Bank Bazaar Customer Support
      "Personal loan"
      0.5 4.5/5 "Excellent!"
      Hi this is jo , I have applied for the loan at bankbazaar loan as it is a very easy process for the personal loan , So, please you people also apply for the loan online through bankbazaar site. Also I am sharing this my friends , also I would like to thank bankbazaar for the same.
      Was this review helpful? 1
      , vijayawada
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "GUIDANCE"
      0.5 5.0/5 "Blown Away!"
      This is the very first time I approached bankbazaar, also I am very much satisified with all their steps for searching for my product. It happens, some times where people would not be interested in doing online search, but here after gaining sufficient information I would recommend all my friends, relatives to give a try atleast once. My hearty thanks to the team Bankbazaar.com for providing their valuable time for their customers in a proper way. Hope they would get back to me with a favourable reply on time.
      Was this review helpful? 0
      , bhopal
      Reviewed on Jul 20, 2017
    • SBI Personal Loan
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have taken a personal loan from State Bank of India and the process for it was smooth. I did not have much of a documentation process and also I did not get the loan on time. The rate of interest and processing charges were very much normal too. But on the other hand, after loan services were very much hassle free.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "Overall a good experience "
      0.5 3.0/5 "Satisfactory"
      The services rendered by bankbazaar is really great and I had a lot of follow up calls from them. The response was prompt from the moment I registered with them. It would have been better, if the companies whom they connect the customer too is also responsive. Lastly, the website is very much user friendly.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 20, 2017
    • Citibank Personal Loan
      "Not professional"
      0.5 1.0/5 "Really Bad"
      As a matter of fact, Citibank collected all my documents and after which they did not process my personal loan request and did not get back to me as well. It was not a very good experience as they were not very much professional. Not too sure on the interest rate and processing charges too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 20, 2017
    • Bank Bazaar Customer Support
      "I had got good response from bankbazaar on my loan applicati"
      0.5 2.5/5 "Just OK"
      I had got good response from bankbazaar on my loan application. I approached bankbazaar for my requirement and submitted my loan application on the website. On which they responded and provided a good service. Their website is good and it is easy to handle.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "Amazing"
      0.5 4.0/5 "Great!"
      It was simple and straight forward experience. I really hope my application goes through. The staffs were really helpful. They kept calling me and following it up until I uploaded the documents. I've never seen such a simple online application so far. Thank you.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "Very smooth way to loans"
      0.5 5.0/5 "Blown Away!"
      I need personal loan & it seems easiest way to avail through Bankbazaar. Also I am feeling very much comfortable as the process is really quick. I wish good luck to everyone & recommend to go with Bankbazaar. Go with it to full fill yours all financial requirements through this site. Thanks.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "Very good service"
      0.5 4.0/5 "Great!"
      I got very good response in concern to my personal loan application with bank bazaar. The customer service with bank bazaar is really good and very supportive. The website with bank bazaar is easy to use and user friendly. I am satisfied with the bank bazaar service.
      Was this review helpful? 0
      , konnagar
      Reviewed on Jul 19, 2017
    • ICICI Bank Personal Loan
      "Average service"
      0.5 2.0/5 "Expected more"
      The ICICI bank executives told that the private or public company employees are not eligible to get the loan, They are not interested to give the loan for the people those who own a company. The customer service and the response was average with ICICI bank. The rate if interest charged by them is higher than the normal one.
      Was this review helpful? 0
      , konnagar
      Reviewed on Jul 19, 2017
    • HDFC Bank Personal Loan
      "Good service"
      0.5 4.0/5 "Great!"
      The HDFC bank service is really good in concern to my personal loan. The customer service and the response was good with HDFC bank. The rate of interest is nominal with HDFC bank. I have choose the HDFC bank for my personal loan because of their low interest rate.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "Very good service"
      0.5 4.0/5 "Great!"
      Bank bazaar maintains prompt follow up with the customers, because they will fix appointments and reaches the customer on appropriate time. The website with bank bazaar is easy to use and user friendly. The customer service and the response is very good with bank bazaar.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 19, 2017
    • Kotak Personal Loan
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I haven't proceeded with Kotak Mahindra bank because of their interest rate. I have chosen HDFC bank for my personal loan. The customer service and the response with Kotak Mahindra is good and supportive. The rate of interest is high with Kotak mahindra when compared with HDFC bank. I would say I got an average service from Kotak Mahindra.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I got immediate response from bank bazaar in concern to my personal loan application. The customer service and the response is really good with bank bazaar. The website with bank bazaar is easy to use and user friendly. I would say bank bazaar gives very good service to the customers.
      Was this review helpful? 0
      , bhimavaram
      Reviewed on Jul 19, 2017
    • ICICI Bank Personal Loan
      "Average service"
      0.5 1.0/5 "Really Bad"
      I haven't received any kind of calls from ICICI bank in concern to my personal loan application and I am not sure why they have closed my application. The customer service and there response part need to improved with ICICI bank. The rate of interest is nominal with ICICI.
      Was this review helpful? 0
      , bhimavaram
      Reviewed on Jul 19, 2017
    • Bank Bazaar Customer Support
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      The service provided by bank bazaar is quick and fast. The customer support and the response is really good with bank bazaar. The bank bazaar website is easy to use and user friendly. I get to know about bank bazaar through google web search. I am with bank bazaar for past 6 months. I am satisfied with bank bazaar service.
      Was this review helpful? 0
      , ankleshwar
      Reviewed on Jul 19, 2017
    • ICICI Bank Personal Loan
      "Good service"
      0.5 5.0/5 "Blown Away!"
      ICICI executive gave a call and explained me about the product very clearly and helped me to know about the product briefly . The customer service and the response is very good with ICICI bank. The rate of interest is nominal with ICICI bank. I am happy about the ICICI bank service.
      Was this review helpful? 0
      , ankleshwar
      Reviewed on Jul 19, 2017
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    Personal Loan Interest Rates is Rated as "Great!" by 77002 Users

    Fees & Charges

    Promised Interest Rate

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    Responsiveness

    Personal Loan BYTES FROM OUR KITCHEN

    Personal loans help you sail smoothly through all expenses that you might find difficult to make due to cash unavailability. From a vacation in Hawaii to renovation of your dream house, a personal loan will make sure you get to enjoy life to the fullest. Here are a few significant features that will prove that taking a personal loan for any of your needs or wishes is a great idea.

    • Personal loans are quick and easy and hence can be availed without any hassle
    • Banks generally do not ask for any collaterals or guarantors while approving these loans and hence these loans require minimum documentation.
    • Personal loans offer great and competitive interest rates which do not weigh you down too much.
    • These loans have a comfortable pay-back period and as such your travel expense to Australia can be broken down into several small EMIs making it easier on your pocket.
    • Availing personal finance for your various needs means that you do not need to spend via your credit card. This will mean you get to pay-back in equal monthly installments and as such you can avoid any uneasiness resulting from interest levied on credit card payments.

    Personal Loan Interest rates 2017 (Updated)

    Bank NamePersonal loan interest rates

    Aditya Birla Finance Personal loan
    11.75% to 13.75%

    Capital First Personal loan
    12% to 18%

    CitiBank Personal loan
    11.49% to 15.99%

    Fullerton Personal loan
    17.25% to 37%

    HDBFS Personal loan
    13.99% to 16.99%

    HDFC Bank Personal loan
    10.99% to 19.80%

    ICICI Bank Personal loan
    10.99% to 17.99%

    IndusInd Personal loan
    12% to 19%

    Kotak Personal loan
    11% to 16.49%

    Oriental bank of Commerce
    10.70% to 11.70%

    Standard Chartered Bank Personal loan
    10.99% to 14.49%

    Tata Capital Personal loan
    11.49% to 21%

    Perfect Personal Loan Deals for you

    Given below are details of Personal Loan Interest Rates of a few top banks of the country.

    SBI Personal Loan Interest Rate

    State Bank of India is the apex nationalized bank of the nation. The bank has several personal finance solutions to its credit and SBI Personal Loan Interest Rates are quite competitive and varied as per customer's requirement. A few of these personal loans are listed below along with the rate of interest applicable for each of these loan schemes.

    • Xpress Credit Personal Loan:This personal finance scheme from SBI is aimed at fulfilling all your urgent financial needs be it for your sudden needs or planned vacations. The rate of interest for this personal finance scheme is 15% which is low and quite competitive as compared to interest rates offered on personal loans by other banks. The interest rate also depends on the level of check-off. Partial check-offs have rates as 13-13.5% or 14-14.5%. The rate of 15% is applicable in case of complete check-off.
    • SBI Saral Personal Loan:The SBI Saral loan scheme is generally for professionals and self-employed people. This loan is offered for meeting any of your urgent financial needs. The personal loan limit is defined by your income and the capacity to repay. The rate of interest on this personal loan is 8.50% above base rate that is 18.5% which is a bit higher than the Xpress Credit finance scheme.
    • SBI Pension Loan:This loan is granted to those who are pensioners of Central or State governments and are receiving a monthly pension from the government. This is sanctioned to applicants who are less than 76 years of age. The interest rate for this loan is 3.5% above the base rate that is 13.5%.
    Personal Loan Offers Festival Loans:

    Festival Loans by State Bank of India are provided so as to help you get through the expenditure during festival time without burdening you with excess liability. This loan makes sure that you enjoy to the fullest, the precious festival time with your friends and family. The rate of interest on this personal loan is 6.5% above the actual base rate and hence is currently 16.5%.

    HDFC Personal Loan Interest Rates

    Personal finance scheme offered by HDFC bank is easy and quick. The loan requires minimum documentation and HDFC Personal Loan Interest Rates are also very attractive. This loan scheme offers zero hidden charges with nominal processing fees and convenient repayment options.

    The interest rates on HDFC personal loans are competitive with respect to other banks offering personal loans.

    HDFC personal loans also offer life protection cover of up to 8 lacs for accidental hospitalization and up to 1 lacs for death or permanent disability of the loan borrower. HDFC Personal Loan Interest Rate is in the range of 13-20% and is on a monthly reducing basis.

    A few important features of HDFC personal loans are mentioned below -

    • Highly competitive rate of interest
    • Special privileges for HDFC account holders
    • Loan eligibility can be checked online
    • Get a personal loan in as less as 1 day if you have all the documents in place
    • Convenience of interacting with the customer care center via a host of available options including phone calls, chats, emails etc.
    • Simple documentation
    • Transparency of fees and other charges

    ICICI Personal Loan Interest Rates

    Personal Loan Interest rates

    ICICI offers personal loans at attractive interest rates . The personal loan scheme by ICICI is also customizable. This means that a customer can choose the amount of loan depending upon his requirement. The loan amount depends upon the nature of employment of the applicant. A few benefits of ICICI bank personal loans are -

    • Attractive interest rates
    • Simple documentation
    • Direct credit of amount through online channels
    • Quick processing of loan
    • Simple payment options via a host of different payment channels like ECS, AD or PDC
    • Loan tenure can be chosen by the customer depending upon his/her repayment capacity
    • Fixed rate of interest which is on a monthly reducing basis
    • No security or collaterals are required to be submitted

    ICICI bank personal loan interest rate starts as low as 13% and depends on a number of factors like income etc.

    Axis Bank Personal Loan Interest Rates

    Axis bank offers great features and benefits on its personal loans. Be it your child's education or a family wedding, you need not worry about the extra cash that you might require for urgent needs. Axis Bank Personal Loan interest rates are also quite competitive and attractive. The rate of interest generally ranges between 15.50% and 24%. A few highlights of Axis bank personal loans are -

    • Low processing charges
    • Loans available for salaried customers
    • Loans available across a wide range of loan amounts
    • Highly competitive interest rates
    • Simple application procedure
    • Simple documentation

    Points to watch-out for before availing personal loans:

    The above listed points about various personal loans sufficiently highlight the use and the advantages of getting a personal loan. For all those who want to go ahead and avail personal finance, here are a few things that one should watch-out for while applying for a personal loan

    • Check the rate of interest offered and the hidden charges like processing fee etc. Sometimes these may be too high resulting in a higher loan amount than you actually wanted to owe
    • Check your credit score beforehand to get a fair idea of your loan eligibility so that the lending entity isn't able to take advantage
    • Unsecured loans generally offer lower loan amounts
    • Go for a secured loan in case the loan amount sought is more but only if you are sure you will be able to pay up in the stipulated tenure
    • Check if there are any pre-payment charges and whether you are comfortable with those

    How to apply for a personal loan:

    Applying for a Personal Loan Interest rate at BankBazaar.com involves three simple steps :

    Step 1: In the first step, the user must fill the Personal Loan Interest rate eligibility form available online with required personal data. Once submitted the Personal Loan Interest rate tool automatically checks for eligibility of the applicant and personalized Personal Loan Interest rate options.

    Step 2: In the second step, the applicant can compare various Personal Loan Interest rate options offered by the tool interface and apply for the best suitable Personal Loan Interest rate.

    Step 3: The last step involves receiving an instant e-approval from BankBazaar.com after successful submission of Personal Loan Interest rate application online.

    The application is sent electronically to the selected bank. The Personal Loan Interest rate department of the concerned bank gets in touch with the applicant directly. Users can check the status of their application through SMS alters as well as emails.

    Personal Loan Interest Rates Tips

    Personal Loan rates cut

    The demonetisation drive has been tough on all of us. But it also spells good news for borrowers. Ready to see your Personal Loan interest rates sink?

    Flash Flood of Funds

    Banks have hit a jackpot after the demonetisation. People are making a beeline to deposit money. Cha-ching!

    Lower Interest Rates

    An excess in deposits in banks may mean a drop in interest rates and have borrowers singing all the way to the banks.

    Super Saver EMIs

    Same loan tenure. Same loan amount. What’s new? Maybe a lower interest rate! Now there’s a smile. Big savings!

    Scout Out the Best

    They say, “No pain, no gain”, right? Same goes for a Personal Loan. Do your homework and find a deal that will delight.

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