Personal Loan Interest Rates

Axis bank

Axis bank

Interest Rates :
11.49% – 24%
Processing Fee :
Up to 2%
Loan Amount :
Rs.30 lakh Max
Tenure Range :
1-5 Years
More About Personal Loan
  1. Minimum salary: Rs 15,000 net salary required excluding variable pay.
  2. Minimum Age: 21 Years
  3. Maximum Age: 60 Years at the time of loan maturity
  4. Minimum 1 year & above over all work Experience required
  5. Top-up loan & parallel loan available
  6. Loan Balance transfer available
Fees and charges
  1. Part payment fee : NiL
  2. Conditional pre-closure: Any Point of time.
  3. Pre – closure Charges : NiL
  4. Pre – closure Charges for Top Up loan : NiL
  5. EMI Bounce Charges : Rs. 500 per bounce + Service Tax as applicable
  6. Delay in Payment Charges: @24.00% per annum i.e 2% per month on the overdue installment.

 

Bajaj Finserv

Bajaj Finserv

Interest Rates :
11.50% – 17%
Processing Fee :
Up to 2%
Loan Amount :
Rs.20 lakh Max
Tenure Range :
1-5 Years
More About Personal Loan
  1. Minimum salary: Rs 40,000 net salary required excluding variable pay.
  2. Minimum Age: 23 Years
  3. Maximum Age: 60 Years at the time of loan maturity
  4. Minimum 2 year & above over all work Experience required.
  5. Top-up loan available
  6. Loan Balance transfer available
Fees and charges
  1. Part payment fee : 2% plus applicable taxes on part payment amount paid
  2. Conditional pre-closure: Only after 1st EMI.
  3. Pre – closure Charges 4% plus applicable taxes on principal outstanding
  4. Pre – closure Charges for Top Up loan : NiL
  5. EMI Bounce Charges : Rs. 1000 per bounce + Service Tax as applicable
  6. Delay in Payment Charges: @24.00% per annum i.e 2% per month on the overdue installment.

 

Citi bank

Citi bank

Interest Rates :
10.99% – 15.99%
Processing Fee :
Up to 2%
Loan Amount :
Rs.30 lakh Max
Tenure Range :
1-5 Years
More About Personal Loan
  1. Minimum salary: Rs 25,000 net salary required excluding variable pay.
  2. Minimum Age: 23 Years
  3. Maximum Age: 60 Years at the time of loan maturity
  4. Minimum 2 year & above over all work Experience required.
  5. Top-up loan available
  6. Loan Balance transfer available
Fees and charges
  1. Part payment fee : 0%. Part payment is allowed once a year minimum of 2 EMIs and a maximum of 5 EMIs.
  2. Conditional pre-closure: Only after 12 EMI.
  3. Pre – closure Charges : Up to 3% plus applicable taxes on principal outstanding
  4. Pre – closure Charges for Top Up loan : NiL
  5. EMI Bounce Charges : Rs.500
  6. Delay in Payment Charges: @24.00% per annum i.e 2% per month on the overdue installment.

 

HDFC bank

HDFC Bank

Interest Rates :
10.99% – 19.80%
Processing Fee :
Up to 2.5%
Loan Amount :
Rs.25 lakh Max
Tenure Range :
1-5 Years
More About Personal Loan
  1. Minimum salary: Rs 20,000 net salary required excluding variable pay.
  2. Minimum Age: 23 Years
  3. Maximum Age: 60 Years at the time of loan maturity
  4. Minimum 1 year to 3 year over all work Experience required.
  5. Top-up loan & parallel loan available
  6. Loan Balance transfer available
Fees and charges
  1. Part payment fee : Part payment Allowed
  2. Conditional pre-closure: Only after 12 EMI.
  3. Pre – closure Charges : 4% of the Principal outstanding from 13-24 months, 3% for 25-36 months and 2% for time higher than 36 month. Nil For Loan Amount > 10lakhs and above
  4. Pre – closure Charges for Top Up loan : 2% of the Principal outstanding amount.
  5. EMI Bounce Charges : Rs. 550 per bounce + Service Tax as applicable
  6. Delay in Payment Charges: @24.00% per annum i.e 2% per month on the overdue installment.

 

icici bank

icici Bank

Interest Rates :
10.99% – 18.50%
Processing Fee :
Up to 2.5%
Loan Amount :
Rs.20 lakh Max
Tenure Range :
1-5 Years
More About Personal Loan
  1. Minimum salary: Rs 20,000 net salary required excluding variable pay.
  2. Minimum Age: 23 Years
  3. Maximum Age: 60 Years at the time of loan maturity
  4. Minimum 1 year to 3 year over all work Experience required.
  5. Top-up loan & parallel loan available
  6. Loan Balance transfer available
Fees and charges
  1. Part payment fee : Part payment Allowed
  2. Conditional pre-closure: Only after 6 EMI.
  3. Pre – closure Charges : 5% of principal outstanding
  4. Pre – closure Charges for Top Up loan : 2.5% plus applicable taxes on principal outstanding
  5. EMI Bounce Charges : Rs. 400 per bounce + Service Tax as applicable
  6. Delay in Payment Charges: @24.00% per annum i.e 2% per month on the overdue installment.

 

indusind bank

indusind Bank

Interest Rates :
11.99% – 19%
Processing Fee :
Up to 2.5%
Loan Amount :
Rs.25 lakh Max
Tenure Range :
1-5 Years
More About Personal Loan
  1. Minimum salary: Rs 25,000 net salary required excluding variable pay.
  2. Minimum Age: 23 Years
  3. Maximum Age: 60 Years at the time of loan maturity
  4. Minimum 2 year over all work Experience required.
  5. Top-up loan available
  6. Loan Balance transfer available
Fees and charges
  1. Part payment fee : No part payment option
  2. Conditional pre-closure: Only after 12 EMI.
  3. Pre – closure Charges : 4% of principal outstanding
  4. Pre – closure Charges for Top Up loan : NiL
  5. EMI Bounce Charges : Rs. 450 per bounce + Service Tax as applicable
  6. Delay in Payment Charges: @24.00% per annum i.e 2% per month on the overdue installment.

 

Yes bank

Yes Bank

Interest Rates :
10.75% – 17%
Processing Fee :
Up to 2%
Loan Amount :
Rs.20 lakh Max
Tenure Range :
1-5 Years
More About Personal Loan
  1. Minimum salary: Rs 25,000 net salary required excluding variable pay.
  2. Minimum Age: 23 Years
  3. Maximum Age: 60 Years at the time of loan maturity
  4. Minimum 2 year over all work Experience required.
  5. Top-up loan available
  6. Loan Balance transfer available
Fees and charges
  1. Part payment fee : 0%. Only after 12 EMI.
  2. Conditional pre-closure: Only after 12 EMI.
  3. Pre – closure Charges : 13 -24 Months of EMI Repayment -4%. 25 -36 Months of EMI Repayment -3 %. 37 -48 Months of EMI Repayment-2%. >48 Months of EMI Repayment -Nil
  4. Pre – closure Charges for Top Up loan : NiL
  5. EMI Bounce Charges : Rs. 750 per bounce + Service Tax as applicable
  6. Delay in Payment Charges: @24.00% per annum i.e 2% per month on the overdue installment.

 

standard charted bank

Standard ChartedBank

Interest Rates :
10.99% – 14.49%
Processing Fee :
Up to 1%
Loan Amount :
Rs.30 lakh Max
Tenure Range :
1-5 Years
More About Personal Loan
  1. Minimum salary: Rs 30,000 net salary required excluding variable pay.
  2. Minimum Age: 23 Years
  3. Maximum Age: 60 Years at the time of loan maturity
  4. Minimum 2 year over all work Experience required.
  5. Top-up loan available
  6. Loan Balance transfer available
Fees and charges
  1. Part payment fee : No part payment option
  2. Conditional pre-closure: Only after 12 EMI.
  3. Pre – closure Charges : Up to 3 %
  4. Pre – closure Charges for Top Up loan : NiL
  5. EMI Bounce Charges : Rs. 500 per bounce + Service Tax as applicable
  6. Delay in Payment Charges: @24.00% per annum i.e 2% per month on the overdue installment.

 

TATA Capital Bank

Standard ChartedBank

Interest Rates :
12% – 18%
Processing Fee :
Up to 2%
Loan Amount :
Rs.15 lakh Max
Tenure Range :
1-6 Years
More About Personal Loan
  1. Minimum salary: Rs 20,000 net salary required excluding variable pay.
  2. Minimum Age: 23 Years
  3. Maximum Age: 58 Years at the time of loan maturity
  4. Minimum 2 year over all work Experience required.
  5. Top-up loan available
  6. Loan Balance transfer available
Fees and charges
  1. Part payment fee : 0%. 25% part payment allowed only before 6 months.
  2. Conditional pre-closure: Only after 6 EMI.
  3. Pre – closure Charges : 0%
  4. Pre – closure Charges for Top Up loan : NiL
  5. EMI Bounce Charges : Rs. 450 per bounce + Service Tax as applicable
  6. Delay in Payment Charges: @24.00% per annum i.e 2% per month on the overdue installment.

 

Capital First Bank

TATA Capital Bank

Interest Rates :
12% – 20%
Processing Fee :
Up to 2%
Loan Amount :
Rs.10 lakh Max
Tenure Range :
1-5 Years
More About Personal Loan
  1. Minimum salary: Rs 20,000 net salary required excluding variable pay.
  2. Minimum Age: 21 Years
  3. Maximum Age: 60 Years at the time of loan maturity
  4. Minimum 3 year over all work Experience required.
  5. Top-up loan available
  6. Loan Balance transfer available
Fees and charges
  1. Part payment fee : No part payment option
  2. Conditional pre-closure: Only after 6 EMI.
  3. Pre – closure Charges : 5% of principal outstanding
  4. Pre – closure Charges for Top Up loan : NiL
  5. EMI Bounce Charges : Rs. 400 per bounce + Service Tax as applicable
  6. Delay in Payment Charges: @24.00% per annum i.e 2% per month on the overdue installment.

 

HDB Financial Bank

HDB Financial Bank

Interest Rates :
13.99% – 19%
Processing Fee :
Up to 2%
Loan Amount :
Rs.20 lakh Max
Tenure Range :
1-5 Years
More About Personal Loan
  1. Minimum salary: Rs 20,000 net salary required excluding variable pay.
  2. Minimum Age: 21 Years
  3. Maximum Age: 60 Years at the time of loan maturity
  4. Minimum 1 year over all work Experience required.
  5. Top-up loan available
  6. Loan Balance transfer available
Fees and charges
  1. Part payment fee : No part payment option
  2. Conditional pre-closure: Only after 12 EMI.
  3. Pre – closure Charges : 4% of principal outstanding
  4. Pre – closure Charges for Top Up loan : 2% of the Principal outstanding amount.
  5. EMI Bounce Charges : Rs. 750 per bounce + Service Tax as applicable
  6. Delay in Payment Charges: @24.00% per annum i.e 2% per month on the overdue installment.