3 Lakh Personal Loan

Looking for a 3 Lakh Personal Loan? Unsecured funding for personal needs, matched to lenders based on your income, credit profile and location.

Personal Loan is typically available from ₹25,000 to ₹5,000,000 over a tenure of 12–84 months, at lenders' published rates of 8.86%–42.00% p.a.

Lenders typically assess: Salaried or self-employed with a regular income; Minimum age 21, maximum age at loan maturity per lender policy; Reasonable existing obligations relative to income.

Eligibility and final terms are set by the lender at the time of application — the figures here are indicative starting points, not a guarantee of approval or of the exact rate you'll be offered.

3 Lakh Personal Loan EMI calculator

Estimate your monthly instalment and see the full year-by-year principal and interest breakdown.

Loan amount

₹

Maximum loan amount: ₹50,00,000

Interest rate (p.a.)

Lenders' published rates for Personal Loan: 8.86%–42.00% p.a..

Tenure

years

Maximum tenure: 7 years (84 months)

Monthly EMI

₹15,867

Total interest

₹71,223

Total payment

₹5,71,223

Indicative only — your actual EMI depends on the lender's exact rate and terms at sanction.

Principal vs. interest

Principal 87.5%
Interest 12.5%

Principal & interest paid per year

2026

2027

2028

Time on the x-axis, amount repaid on the y-axis — early on leans toward interest, later on toward principal.

Full breakdown, starting this month

Assumes your first EMI falls this month — click a period to see every month within it.

Period Principal paid Interest paid Total paid

Nov 2026 – Oct 2027 Principal paid₹1,52,189 Interest paid₹38,218 Total paid₹1,90,408

Month	Principal paid	Interest paid	Total paid	Balance remaining
Nov 2026	₹12,176	₹3,692	₹15,867	₹4,87,824
Dec 2026	₹12,266	₹3,602	₹15,867	₹4,75,559
Jan 2027	₹12,356	₹3,511	₹15,867	₹4,63,203
Feb 2027	₹12,447	₹3,420	₹15,867	₹4,50,755
Mar 2027	₹12,539	₹3,328	₹15,867	₹4,38,216
Apr 2027	₹12,632	₹3,236	₹15,867	₹4,25,584
May 2027	₹12,725	₹3,142	₹15,867	₹4,12,859
Jun 2027	₹12,819	₹3,048	₹15,867	₹4,00,040
Jul 2027	₹12,914	₹2,954	₹15,867	₹3,87,127
Aug 2027	₹13,009	₹2,858	₹15,867	₹3,74,118
Sep 2027	₹13,105	₹2,762	₹15,867	₹3,61,012
Oct 2027	₹13,202	₹2,665	₹15,867	₹3,47,811

Nov 2027 – Oct 2028 Principal paid₹1,66,235 Interest paid₹24,173 Total paid₹1,90,408

Month	Principal paid	Interest paid	Total paid	Balance remaining
Nov 2027	₹13,299	₹2,568	₹15,867	₹3,34,511
Dec 2027	₹13,398	₹2,470	₹15,867	₹3,21,114
Jan 2028	₹13,496	₹2,371	₹15,867	₹3,07,617
Feb 2028	₹13,596	₹2,271	₹15,867	₹2,94,021
Mar 2028	₹13,696	₹2,171	₹15,867	₹2,80,325
Apr 2028	₹13,798	₹2,070	₹15,867	₹2,66,527
May 2028	₹13,899	₹1,968	₹15,867	₹2,52,628
Jun 2028	₹14,002	₹1,865	₹15,867	₹2,38,626
Jul 2028	₹14,105	₹1,762	₹15,867	₹2,24,520
Aug 2028	₹14,210	₹1,658	₹15,867	₹2,10,311
Sep 2028	₹14,315	₹1,553	₹15,867	₹1,95,996
Oct 2028	₹14,420	₹1,447	₹15,867	₹1,81,576

Nov 2028 – Oct 2029 Principal paid₹1,81,576 Interest paid₹8,832 Total paid₹1,90,408

Month	Principal paid	Interest paid	Total paid	Balance remaining
Nov 2028	₹14,527	₹1,341	₹15,867	₹1,67,049
Dec 2028	₹14,634	₹1,233	₹15,867	₹1,52,415
Jan 2029	₹14,742	₹1,125	₹15,867	₹1,37,673
Feb 2029	₹14,851	₹1,016	₹15,867	₹1,22,823
Mar 2029	₹14,960	₹907	₹15,867	₹1,07,862
Apr 2029	₹15,071	₹796	₹15,867	₹92,791
May 2029	₹15,182	₹685	₹15,867	₹77,609
Jun 2029	₹15,294	₹573	₹15,867	₹62,315
Jul 2029	₹15,407	₹460	₹15,867	₹46,907
Aug 2029	₹15,521	₹346	₹15,867	₹31,386
Sep 2029	₹15,636	₹232	₹15,867	₹15,751
Oct 2029	₹15,751	₹116	₹15,867	₹0

Balance remaining after the last month of each period shown above.

Lenders offering this product

Compare lenders side by side

Tick up to 4 lenders to compare them head to head, or apply with any lender directly.

Lenders compared: 26
Rates from: 8.86% p.a.
Loan up to: ₹1 Crore
Tenure up to: 20 yrs

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— pick at least one more to compare. — showing only your picks.

Lender	Interest rate	Loan amount	Tenure	Processing fee	Eligibility	Apply
Compare Bandhan Bank Bandhan Bank Bank Lowest rate	Interest rate 8.86% p.a. onwards Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹50,000 – ₹25 Lakh	Tenure 1–5 yrs	Processing fee ₹500–₹75,000 + GST Fee details Floating, RLLR (5.25%) linked; up to 3% + GST; salaried from 9.50% (<=3 yrs) / 8.86% (>3 yrs); nil foreclosure on Rs 10 lakh+ after 12 EMIs	Eligibility Age 21–65 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Axis Bank Axis Bank Bank	Interest rate 8.90% – 21.55% p.a. Rate verified 15 Oct 2026 · lender's rates Other rates (1) Advertised range (page body text): 9.99%–22.00% p.a. (only for: Advertised range (page body text))	Loan amount ₹50,000 – ₹50 Lakh	Tenure 1–7 yrs	Processing fee ₹1,000–₹100,000 + GST Fee details Up to 2% of loan + GST; fixed rate = 3Y MCLR 8.90% + 0.75%-12.80% (effective 9.60%-21.65%), advertised from 9.99%; foreclosure 3%/2%; min income ₹15,000 for Axis customers, ₹25,000 others	Eligibility Age 21–60 yrs Min. income ₹25,000/mo Salaried	Apply Now
Compare HDFC Bank HDFC Bank Bank	Interest rate 9.99% – 24.00% p.a. Rate verified 15 Oct 2026 · lender's rates Other rates (1) IRR actually offered Apr–Jun 2026 (Q1 FY2026-27): 9.97%–24.06% p.a. (only for: All PL customers in the quarter)	Loan amount ₹25,000 – ₹50 Lakh	Tenure 1–5 yrs	Processing fee ₹6,500 + GST Fee details Up to ₹6,500 + GST; rack 9.99%-24.00% fixed (Q1 FY27 IRR 9.97%-24.06%); up to ₹75 lakh subject to eligibility; PL insurance premium deducted from disbursal	Eligibility Age 21–60 yrs Min. income ₹25,000/mo 12+ months in current employment/business Salaried	Apply Now
Compare ICICI Bank ICICI Bank Bank	Interest rate 9.99% – 16.50% p.a. Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹50,000 – ₹50 Lakh	Tenure 1–6 yrs	Processing fee ₹1,000–₹100,000 + GST Fee details Up to 2% + taxes; Apr-Jun 2026 range 9.99%-16.50% (mean 11.45%); foreclosure 3% (nil after 24 EMIs); salaried 20-58 yrs, self-employed 28-65 yrs	Eligibility Age 20–65 yrs Min. income ₹30,000/mo 24+ months in current employment/business Salaried or Self-employed	Apply Now
Compare IDFC FIRST Bank IDFC FIRST Bank Bank	Interest rate 9.99% p.a. onwards Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹50,000 – ₹15 Lakh	Tenure 9–60 mo	Processing fee ₹0–₹52,500 Fee details FIRSTmoney: 0%-3.5% of loan amount incl. GST; zero PF on select loan amounts; fixed rate; zero foreclosure charges	Eligibility Age 21–60 yrs Min. income ₹0/mo Credit score 710+ Salaried or Self-employed	Apply Now
Compare Poonawalla Fincorp Poonawalla Fincorp NBFC / HFC	Interest rate 9.99% p.a. onwards Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹1 Lakh – ₹50 Lakh	Tenure 1–7 yrs	Processing fee ₹4,000–₹200,000 + GST Fee details Up to 4% + applicable taxes (0%-3% quoted for select offers); foreclosure nil from own funds after 6 EMIs else 4% + taxes	Eligibility Age 21–60 yrs Min. income ₹25,000/mo 12+ months in current employment/business Salaried or Self-employed	Apply Now
Compare Aditya Birla Finance Aditya Birla Finance NBFC / HFC	Interest rate 10.00% – 28.00% p.a. Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹50,000 – ₹50 Lakh	Tenure 1–7 yrs	Processing fee ₹1,500–₹200,000 + GST Fee details Up to Rs 50 lakh; loan cancellation 4% + taxes; part-prepayment nil up to 20% of disbursed amount per year else 3% + GST; foreclosure 4% + GST after 12 months	Eligibility Age 21–60 yrs Min. income ₹15,000/mo Credit score 750+ 12+ months in current employment/business Salaried	Apply Now
Compare Bajaj Finance Bajaj Finance NBFC / HFC	Interest rate 10.00% – 30.50% p.a. Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹40,000 – ₹55 Lakh	Tenure 1–8 yrs	Processing fee ₹1,600–₹227,200 Fee details Up to 4.13% of loan amount (inclusive of applicable taxes); Term Loan / Flexi Dropline / Flexi Hybrid variants	Eligibility Age 21–80 yrs Min. income ₹0/mo Credit score 650+ Salaried or Self-employed	Apply Now
Compare Cholamandalam Finance Cholamandalam Finance NBFC / HFC	Interest rate 10.00% – 28.00% p.a. Rate verified 15 Oct 2026 · lender's rates Other rates (1) Co-lending / BC Model / CholaOne D2C: 10.00%–30.00% p.a. (only for: Loans via co-lending, business-correspondent partners or the CholaOne app (D2C))	Loan amount ₹50,000 – ₹5 Lakh	Tenure 1–5 yrs	Processing fee ₹2,000–₹30,000 + GST Fee details Chola One app instant personal loan up to Rs 5 lakh; age extends to 65 for existing customers; IRP Dec-2025 CholaOne D2C 10%-30%; PF 4-6% + GST	Eligibility Age 23–55 yrs Min. income ₹10,000/mo Salaried or Self-employed	Apply Now
Compare Kotak Mahindra Bank Kotak Mahindra Bank Bank Highest amount	Interest rate 10.25% – 30.00% p.a. Rate verified 15 Oct 2026 · lender's rates Other rates (2) Personal Loan — advertised starting rate (PL interest-rate page): 10.99% p.a. (only for: Personal Loan — advertised starting rate (PL interest-rate page)) Easy Credit Line (personal overdraft): 13.50% p.a. (only for: Easy Credit Line (personal overdraft))	Loan amount ₹50,000 – ₹1 Crore	Tenure 1–6 yrs	Processing fee ₹1,100–₹225,000 Fee details PF up to 2.25% non-refundable; foreclosure 4% (<3 yrs) / 2%; min income ₹25,000 Kotak salary a/c, ₹30,000 others	Eligibility Age 21–60 yrs Min. income ₹30,000/mo 12+ months in current employment/business Salaried	Apply Now
Compare UCO Bank UCO Bank Bank	Interest rate 10.25% – 12.70% p.a. Only for: Govt salaried 10.25-11.70; private salaried 11.25-12.70 (CIBIL 750+) Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹1 Lakh – ₹15 Lakh	Tenure 6–60 mo	Processing fee ₹750–₹7,500 + GST Fee details UCO Cash: 0.50% of loan amt + GST (min Rs750 + GST); CIBIL charge Rs150; documentation Rs250/lakh. ROI 10.00-12.45% by CIBIL & employer type; max Rs15 lakh govt/PSU, Rs7.5 lakh others; net annual income > Rs6 lakh	Eligibility Age 21–60 yrs Min. income ₹50,000/mo 24+ months in current employment/business Salaried	Apply Now
Compare IndusInd Bank IndusInd Bank Bank	Interest rate 10.49% p.a. onwards Rate verified 15 Oct 2026 · lender's rates Other rates (2) Personal Loan — Q1 FY27 disclosed rate range: 9.99%–27.75% p.a. (only for: All personal loan borrowers in the quarter) Personal Loan (Insta Funding) — Q1 FY27 disclosure: 12.00%–15.00% p.a. (only for: Individuals; Insta Funding variant (listed with vehicle-finance disclosure))	Loan amount ₹30,000 – ₹50 Lakh	Tenure 1–7 yrs	Processing fee ₹1,100–₹175,000 + GST Fee details Up to 3.5% of loan (excl. taxes), 2% limited-period offer; online instant PL ₹30,000-₹5 lakh 12-48 months, up to ₹50 lakh via branch; salaried max 60 at maturity	Eligibility Age 21–60 yrs Min. income ₹25,000/mo Credit score 730+ 12+ months in current employment/business Salaried or Self-employed	Apply Now
Compare Yes Bank Yes Bank Bank	Interest rate 10.85% p.a. onwards Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹1 Lakh – ₹40 Lakh	Tenure 1–6 yrs	Processing fee ₹2,500–₹100,000 + GST Fee details Up to 2.50% of loan amount + GST	Eligibility Age 21–60 yrs Min. income ₹25,000/mo Credit score 700+ Salaried or Self-employed	Apply Now
Compare Tata Capital Tata Capital NBFC / HFC	Interest rate 10.99% – 33.00% p.a. Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹75,000 – ₹35 Lakh	Tenure 1–6 yrs	Processing fee ₹2,600–₹175,000 + GST Fee details Up to 5% of loan amount + GST; documentation charges up to Rs 1,999; foreclosure 6.5%/4.5%	Eligibility Age 21–58 yrs Min. income ₹20,000/mo Credit score 725+ 12+ months in current employment/business Salaried	Apply Now
Compare AU Small Finance Bank AU Small Finance Bank Bank	Interest rate 11.00% – 26.00% p.a. Only for: Individual borrowers Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹25,000 – ₹15 Lakh	Tenure 1–5 yrs	Processing fee ₹2,000–₹60,000 + GST Fee details Up to 4% (min Rs 2,000) + GST; foreclosure 5% within 12 months / 3% after	Eligibility Age 21–65 yrs Min. income ₹0/mo 12+ months in current employment/business Salaried or Self-employed	Apply Now
Compare HDB Financial Services HDB Financial Services NBFC / HFC	Interest rate 11.00% – 24.00% p.a. Rate verified 15 Oct 2026 · lender's rates Other rates (3) Secured Personal Loan: 13.00%–30.00% p.a. (only for: Secured Personal Loan) Other Unsecured Loans (including Digital loans, Fintech partnership loan etc): 14.00%–42.00% p.a. (only for: Other Unsecured Loans (including Digital loans, Fintech partnership loan etc)) Relationship Personal Loan: 18.00%–36.00% p.a. (only for: Relationship Personal Loan)	Loan amount ₹50,000 – ₹20 Lakh	Tenure 1–5 yrs	Processing fee ₹1,000–₹3,500 Fee details PF up to 5.90% of sanctioned amount inclusive of GST; application fee up to Rs 3,500; documentation up to 3.54%; min income Rs 1 lakh p.a. metro	Eligibility Age 22–65 yrs Min. income ₹8,333/mo 36+ months in current employment/business Salaried or Self-employed	Apply Now
Compare Shriram Finance Shriram Finance NBFC / HFC	Interest rate 11.00% – 42.00% p.a. Rate verified 15 Oct 2026 · lender's rates Other rates (1) Personal Loan - Digital (unsecured): 11.00%–36.00% p.a. (only for: Digitally sourced loans (e.g. Shriram One app))	Loan amount ₹50,000 – ₹10 Lakh	Tenure 1–5 yrs	Processing fee ₹2,500–₹50,000 + GST Fee details PF up to 5%; foreclosure up to 4% (not within 12 months of first EMI, +2% if transferred); Interest Rate Policy PL band 11%-42%	Eligibility Age 21–60 yrs Min. income ₹0/mo Salaried	Apply Now
Compare Federal Bank Federal Bank Bank	Interest rate 11.75% – 18.99% p.a. Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹50,000 – ₹25 Lakh	Tenure 1–5 yrs	Processing fee ₹800–₹75,000 + GST Fee details FedPremia; up to 3% of loan amount; PB digital PL: Rs 50k-5L, PF 1.5-2.5%	Eligibility Age 21–60 yrs Min. income ₹25,000/mo 36+ months in current employment/business Salaried or Self-employed	Apply Now
Compare Manappuram Finance Manappuram Finance NBFC / HFC Longest tenure	Interest rate 12.00% – 21.25% p.a. Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹1 Lakh – ₹50 Lakh	Tenure 1–20 yrs	Processing fee ₹1,000–₹50,000 + GST Fee details Secured personal loan (against property) for salaried; PF 1%; part-prepayment above 25%/yr charged 2%; foreclosure 2% after 3 EMIs; score 560/income Rs 25,000 per Manappuram mortgage vertical	Eligibility Age 21–60 yrs Min. income ₹0/mo Salaried	Apply Now
Compare Piramal Finance Piramal Finance NBFC / HFC	Interest rate 12.14% p.a. onwards Rate verified 15 Oct 2026 · lender's rates Other rates (3) Q1 FY2026-27 disclosed range — Personal Loan - Branch: 11.99%–29.49% p.a. (only for: Q1 FY2026-27 disclosed range — Personal Loan - Branch) Q1 FY2026-27 disclosed range — Personal Loan - Digital Business - Embedded Finance: 12.06%–36.00% p.a. (only for: Q1 FY2026-27 disclosed range — Personal Loan - Digital Business - Embedded Finance) Q1 FY2026-27 disclosed range — Personal Loan - Digital Business - Direct: 12.14%–29.99% p.a. (only for: Q1 FY2026-27 disclosed range — Personal Loan - Digital Business - Direct)	Loan amount ₹50,000 – ₹25 Lakh	Tenure 9–60 mo	Processing fee ₹2,500–₹125,000 + GST Fee details Up to 5% of loan amount + applicable taxes; pre-closure/part-payment 3% + GST; max rate per Piramal quarterly disclosure (11.99%-33.89%)	Eligibility Age 25–58 yrs Min. income ₹25,000/mo Credit score 750+ Salaried or Self-employed	Apply Now
Compare SMFG India Credit SMFG India Credit NBFC / HFC	Interest rate 12.50% – 30.00% p.a. Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹50,000 – ₹30 Lakh	Tenure 1–5 yrs	Processing fee ₹2,000–₹120,000 + GST Fee details Instant online PL up to Rs 10 lakh, up to Rs 30 lakh overall; PF up to 4% + GST; foreclosure 2%-7%; cancellation Rs 1,000 + GST	Eligibility Age 24–60 yrs Min. income ₹25,001/mo Credit score 700+ 6+ months in current employment/business Salaried or Self-employed	Apply Now
Compare Karur Vysya Bank Karur Vysya Bank Bank	Interest rate 12.60% – 13.60% p.a. Rate verified 14 Oct 2026 · lender's rates	Loan amount ₹50,000 – ₹10 Lakh	Tenure 1–5 yrs	Processing fee ₹1,500–₹30,000 + GST Fee details Unsecured PL: 3.00% of requested amount; secured PL 0.50%; corporate PL 0.50% (min Rs 1,000) + GST; net take-home >= 25% of gross	Eligibility Age 21–65 yrs Min. income ₹15,000/mo Credit score 750+ 24+ months in current employment/business Salaried	Apply Now
Compare Muthoot Finance Muthoot Finance NBFC / HFC	Interest rate 13.50% p.a. onwards Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹50,000 – ₹20 Lakh	Tenure 1–5 yrs	Processing fee ₹1,000–₹80,000 + GST Fee details PF 2%-4% of loan + taxes; option of loan against 100% collateral (FD/LIC/NSC) for non-income earners	Eligibility Age 21–67 yrs Min. income ₹0/mo Credit score 750+ Salaried or Self-employed	Apply Now
Compare TVS Credit TVS Credit NBFC / HFC	Interest rate 14.00% – 35.00% p.a. Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹30,000 – ₹2 Lakh	Tenure 6–36 mo	Processing fee ₹800–₹11,800 Fee details Online PL via TVS Credit Saathi app up to Rs 2 lakh; PF up to 5.9% inclusive of GST; foreclosure 3.54%-7.08%; 15-day cooling period	Eligibility Age 21–60 yrs Min. income ₹25,000/mo Credit score 700+ Salaried or Self-employed	Apply Now
Compare Hero FinCorp Hero FinCorp NBFC / HFC	Interest rate 17.90% – 30.00% p.a. Rate verified 15 Oct 2026 · lender's rates	Loan amount ₹50,000 – ₹7 Lakh	Tenure 1–3 yrs	Processing fee ₹1,300–₹17,500 + GST Fee details Minimum 2.5% + GST deducted at disbursement; foreclosure 5% + GST; EMI bounce Rs 350	Eligibility Age 21–58 yrs Min. income ₹15,000/mo Credit score 725+ 6+ months in current employment/business Salaried or Self-employed	Apply Now
Compare RBL Bank RBL Bank Bank	Interest rate 18.00% p.a. Rate verified 15 Oct 2026 · lender's rates Other rates (1) Pricing range - loans to individuals, Apr 2026-Jun 2026: 10.00%–20.00% p.a. (only for: Pricing range - loans to individuals, Apr 2026-Jun 2026)	Loan amount ₹30,000 – ₹5 Lakh	Tenure 1–3 yrs	Processing fee ₹600–₹10,000 + GST Fee details 2% deducted at disbursement; fixed rate; currently offered to existing savings/salary account customers; foreclosure 5% within 18 EMIs / 3% after	Eligibility Age 25–55 yrs Min. income ₹25,000/mo 12+ months in current employment/business Salaried	Apply Now

Lender

Interest rate

Loan amount

Tenure

Processing fee

Eligibility

Bandhan Bank Bank

Lowest rate

Interest rate

8.86%

p.a. onwards

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹50,000 – ₹25 Lakh

Tenure

1–5 yrs

Processing fee

₹500–₹75,000 + GST

Fee details

Floating, RLLR (5.25%) linked; up to 3% + GST; salaried from 9.50% (<=3 yrs) / 8.86% (>3 yrs); nil foreclosure on Rs 10 lakh+ after 12 EMIs

Eligibility

Age 21–65 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

Axis Bank Bank

Interest rate

8.90% – 21.55%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Other rates (1)

Advertised range (page body text): 9.99%–22.00% p.a. (only for: Advertised range (page body text))

Loan amount

₹50,000 – ₹50 Lakh

Tenure

1–7 yrs

Processing fee

₹1,000–₹100,000 + GST

Fee details

Up to 2% of loan + GST; fixed rate = 3Y MCLR 8.90% + 0.75%-12.80% (effective 9.60%-21.65%), advertised from 9.99%; foreclosure 3%/2%; min income ₹15,000 for Axis customers, ₹25,000 others

Eligibility

Age 21–60 yrs
Min. income ₹25,000/mo
Salaried

Apply Now

HDFC Bank Bank

Interest rate

9.99% – 24.00%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Other rates (1)

IRR actually offered Apr–Jun 2026 (Q1 FY2026-27): 9.97%–24.06% p.a. (only for: All PL customers in the quarter)

Loan amount

₹25,000 – ₹50 Lakh

Tenure

1–5 yrs

Processing fee

₹6,500 + GST

Fee details

Up to ₹6,500 + GST; rack 9.99%-24.00% fixed (Q1 FY27 IRR 9.97%-24.06%); up to ₹75 lakh subject to eligibility; PL insurance premium deducted from disbursal

Eligibility

Age 21–60 yrs
Min. income ₹25,000/mo
12+ months in current employment/business
Salaried

Apply Now

ICICI Bank Bank

Interest rate

9.99% – 16.50%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹50,000 – ₹50 Lakh

Tenure

1–6 yrs

Processing fee

₹1,000–₹100,000 + GST

Fee details

Up to 2% + taxes; Apr-Jun 2026 range 9.99%-16.50% (mean 11.45%); foreclosure 3% (nil after 24 EMIs); salaried 20-58 yrs, self-employed 28-65 yrs

Eligibility

Age 20–65 yrs
Min. income ₹30,000/mo
24+ months in current employment/business
Salaried or Self-employed

Apply Now

IDFC FIRST Bank Bank

Interest rate

9.99%

p.a. onwards

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹50,000 – ₹15 Lakh

Tenure

9–60 mo

Processing fee

₹0–₹52,500

Fee details

FIRSTmoney: 0%-3.5% of loan amount incl. GST; zero PF on select loan amounts; fixed rate; zero foreclosure charges

Eligibility

Age 21–60 yrs
Min. income ₹0/mo
Credit score 710+
Salaried or Self-employed

Apply Now

Poonawalla Fincorp NBFC / HFC

Interest rate

9.99%

p.a. onwards

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹50 Lakh

Tenure

1–7 yrs

Processing fee

₹4,000–₹200,000 + GST

Fee details

Up to 4% + applicable taxes (0%-3% quoted for select offers); foreclosure nil from own funds after 6 EMIs else 4% + taxes

Eligibility

Age 21–60 yrs
Min. income ₹25,000/mo
12+ months in current employment/business
Salaried or Self-employed

Apply Now

Aditya Birla Finance NBFC / HFC

Interest rate

10.00% – 28.00%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹50,000 – ₹50 Lakh

Tenure

1–7 yrs

Processing fee

₹1,500–₹200,000 + GST

Fee details

Up to Rs 50 lakh; loan cancellation 4% + taxes; part-prepayment nil up to 20% of disbursed amount per year else 3% + GST; foreclosure 4% + GST after 12 months

Eligibility

Age 21–60 yrs
Min. income ₹15,000/mo
Credit score 750+
12+ months in current employment/business
Salaried

Apply Now

Bajaj Finance NBFC / HFC

Interest rate

10.00% – 30.50%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹40,000 – ₹55 Lakh

Tenure

1–8 yrs

Processing fee

₹1,600–₹227,200

Fee details

Up to 4.13% of loan amount (inclusive of applicable taxes); Term Loan / Flexi Dropline / Flexi Hybrid variants

Eligibility

Age 21–80 yrs
Min. income ₹0/mo
Credit score 650+
Salaried or Self-employed

Apply Now

Cholamandalam Finance NBFC / HFC

Interest rate

10.00% – 28.00%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Other rates (1)

Co-lending / BC Model / CholaOne D2C: 10.00%–30.00% p.a. (only for: Loans via co-lending, business-correspondent partners or the CholaOne app (D2C))

Loan amount

₹50,000 – ₹5 Lakh

Tenure

1–5 yrs

Processing fee

₹2,000–₹30,000 + GST

Fee details

Chola One app instant personal loan up to Rs 5 lakh; age extends to 65 for existing customers; IRP Dec-2025 CholaOne D2C 10%-30%; PF 4-6% + GST

Eligibility

Age 23–55 yrs
Min. income ₹10,000/mo
Salaried or Self-employed

Apply Now

Kotak Mahindra Bank Bank

Highest amount

Interest rate

10.25% – 30.00%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Other rates (2)

Personal Loan — advertised starting rate (PL interest-rate page): 10.99% p.a. (only for: Personal Loan — advertised starting rate (PL interest-rate page))
Easy Credit Line (personal overdraft): 13.50% p.a. (only for: Easy Credit Line (personal overdraft))

Loan amount

₹50,000 – ₹1 Crore

Tenure

1–6 yrs

Processing fee

₹1,100–₹225,000

Fee details

PF up to 2.25% non-refundable; foreclosure 4% (<3 yrs) / 2%; min income ₹25,000 Kotak salary a/c, ₹30,000 others

Eligibility

Age 21–60 yrs
Min. income ₹30,000/mo
12+ months in current employment/business
Salaried

Apply Now

UCO Bank Bank

Interest rate

10.25% – 12.70%

p.a.

Only for: Govt salaried 10.25-11.70; private salaried 11.25-12.70 (CIBIL 750+)

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹15 Lakh

Tenure

6–60 mo

Processing fee

₹750–₹7,500 + GST

Fee details

UCO Cash: 0.50% of loan amt + GST (min Rs750 + GST); CIBIL charge Rs150; documentation Rs250/lakh. ROI 10.00-12.45% by CIBIL & employer type; max Rs15 lakh govt/PSU, Rs7.5 lakh others; net annual income > Rs6 lakh

Eligibility

Age 21–60 yrs
Min. income ₹50,000/mo
24+ months in current employment/business
Salaried

Apply Now

IndusInd Bank Bank

Interest rate

10.49%

p.a. onwards

Rate verified 15 Oct 2026 · lender's rates

Other rates (2)

Personal Loan — Q1 FY27 disclosed rate range: 9.99%–27.75% p.a. (only for: All personal loan borrowers in the quarter)
Personal Loan (Insta Funding) — Q1 FY27 disclosure: 12.00%–15.00% p.a. (only for: Individuals; Insta Funding variant (listed with vehicle-finance disclosure))

Loan amount

₹30,000 – ₹50 Lakh

Tenure

1–7 yrs

Processing fee

₹1,100–₹175,000 + GST

Fee details

Up to 3.5% of loan (excl. taxes), 2% limited-period offer; online instant PL ₹30,000-₹5 lakh 12-48 months, up to ₹50 lakh via branch; salaried max 60 at maturity

Eligibility

Age 21–60 yrs
Min. income ₹25,000/mo
Credit score 730+
12+ months in current employment/business
Salaried or Self-employed

Apply Now

Yes Bank Bank

Interest rate

10.85%

p.a. onwards

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹40 Lakh

Tenure

1–6 yrs

Processing fee

₹2,500–₹100,000 + GST

Fee details

Up to 2.50% of loan amount + GST

Eligibility

Age 21–60 yrs
Min. income ₹25,000/mo
Credit score 700+
Salaried or Self-employed

Apply Now

Tata Capital NBFC / HFC

Interest rate

10.99% – 33.00%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹75,000 – ₹35 Lakh

Tenure

1–6 yrs

Processing fee

₹2,600–₹175,000 + GST

Fee details

Up to 5% of loan amount + GST; documentation charges up to Rs 1,999; foreclosure 6.5%/4.5%

Eligibility

Age 21–58 yrs
Min. income ₹20,000/mo
Credit score 725+
12+ months in current employment/business
Salaried

Apply Now

AU Small Finance Bank Bank

Interest rate

11.00% – 26.00%

p.a.

Only for: Individual borrowers

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹25,000 – ₹15 Lakh

Tenure

1–5 yrs

Processing fee

₹2,000–₹60,000 + GST

Fee details

Up to 4% (min Rs 2,000) + GST; foreclosure 5% within 12 months / 3% after

Eligibility

Age 21–65 yrs
Min. income ₹0/mo
12+ months in current employment/business
Salaried or Self-employed

Apply Now

HDB Financial Services NBFC / HFC

Interest rate

11.00% – 24.00%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Other rates (3)

Secured Personal Loan: 13.00%–30.00% p.a. (only for: Secured Personal Loan)
Other Unsecured Loans (including Digital loans, Fintech partnership loan etc): 14.00%–42.00% p.a. (only for: Other Unsecured Loans (including Digital loans, Fintech partnership loan etc))
Relationship Personal Loan: 18.00%–36.00% p.a. (only for: Relationship Personal Loan)

Loan amount

₹50,000 – ₹20 Lakh

Tenure

1–5 yrs

Processing fee

₹1,000–₹3,500

Fee details

PF up to 5.90% of sanctioned amount inclusive of GST; application fee up to Rs 3,500; documentation up to 3.54%; min income Rs 1 lakh p.a. metro

Eligibility

Age 22–65 yrs
Min. income ₹8,333/mo
36+ months in current employment/business
Salaried or Self-employed

Apply Now

Shriram Finance NBFC / HFC

Interest rate

11.00% – 42.00%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Other rates (1)

Personal Loan - Digital (unsecured): 11.00%–36.00% p.a. (only for: Digitally sourced loans (e.g. Shriram One app))

Loan amount

₹50,000 – ₹10 Lakh

Tenure

1–5 yrs

Processing fee

₹2,500–₹50,000 + GST

Fee details

PF up to 5%; foreclosure up to 4% (not within 12 months of first EMI, +2% if transferred); Interest Rate Policy PL band 11%-42%

Eligibility

Age 21–60 yrs
Min. income ₹0/mo
Salaried

Apply Now

Federal Bank Bank

Interest rate

11.75% – 18.99%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹50,000 – ₹25 Lakh

Tenure

1–5 yrs

Processing fee

₹800–₹75,000 + GST

Fee details

FedPremia; up to 3% of loan amount; PB digital PL: Rs 50k-5L, PF 1.5-2.5%

Eligibility

Age 21–60 yrs
Min. income ₹25,000/mo
36+ months in current employment/business
Salaried or Self-employed

Apply Now

Manappuram Finance NBFC / HFC

Longest tenure

Interest rate

12.00% – 21.25%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹1 Lakh – ₹50 Lakh

Tenure

1–20 yrs

Processing fee

₹1,000–₹50,000 + GST

Fee details

Secured personal loan (against property) for salaried; PF 1%; part-prepayment above 25%/yr charged 2%; foreclosure 2% after 3 EMIs; score 560/income Rs 25,000 per Manappuram mortgage vertical

Eligibility

Age 21–60 yrs
Min. income ₹0/mo
Salaried

Apply Now

Piramal Finance NBFC / HFC

Interest rate

12.14%

p.a. onwards

Rate verified 15 Oct 2026 · lender's rates

Other rates (3)

Q1 FY2026-27 disclosed range — Personal Loan - Branch: 11.99%–29.49% p.a. (only for: Q1 FY2026-27 disclosed range — Personal Loan - Branch)
Q1 FY2026-27 disclosed range — Personal Loan - Digital Business - Embedded Finance: 12.06%–36.00% p.a. (only for: Q1 FY2026-27 disclosed range — Personal Loan - Digital Business - Embedded Finance)
Q1 FY2026-27 disclosed range — Personal Loan - Digital Business - Direct: 12.14%–29.99% p.a. (only for: Q1 FY2026-27 disclosed range — Personal Loan - Digital Business - Direct)

Loan amount

₹50,000 – ₹25 Lakh

Tenure

9–60 mo

Processing fee

₹2,500–₹125,000 + GST

Fee details

Up to 5% of loan amount + applicable taxes; pre-closure/part-payment 3% + GST; max rate per Piramal quarterly disclosure (11.99%-33.89%)

Eligibility

Age 25–58 yrs
Min. income ₹25,000/mo
Credit score 750+
Salaried or Self-employed

Apply Now

SMFG India Credit NBFC / HFC

Interest rate

12.50% – 30.00%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹50,000 – ₹30 Lakh

Tenure

1–5 yrs

Processing fee

₹2,000–₹120,000 + GST

Fee details

Instant online PL up to Rs 10 lakh, up to Rs 30 lakh overall; PF up to 4% + GST; foreclosure 2%-7%; cancellation Rs 1,000 + GST

Eligibility

Age 24–60 yrs
Min. income ₹25,001/mo
Credit score 700+
6+ months in current employment/business
Salaried or Self-employed

Apply Now

Karur Vysya Bank Bank

Interest rate

12.60% – 13.60%

p.a.

Rate verified 14 Oct 2026 · lender's rates

Loan amount

₹50,000 – ₹10 Lakh

Tenure

1–5 yrs

Processing fee

₹1,500–₹30,000 + GST

Fee details

Unsecured PL: 3.00% of requested amount; secured PL 0.50%; corporate PL 0.50% (min Rs 1,000) + GST; net take-home >= 25% of gross

Eligibility

Age 21–65 yrs
Min. income ₹15,000/mo
Credit score 750+
24+ months in current employment/business
Salaried

Apply Now

Muthoot Finance NBFC / HFC

Interest rate

13.50%

p.a. onwards

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹50,000 – ₹20 Lakh

Tenure

1–5 yrs

Processing fee

₹1,000–₹80,000 + GST

Fee details

PF 2%-4% of loan + taxes; option of loan against 100% collateral (FD/LIC/NSC) for non-income earners

Eligibility

Age 21–67 yrs
Min. income ₹0/mo
Credit score 750+
Salaried or Self-employed

Apply Now

TVS Credit NBFC / HFC

Interest rate

14.00% – 35.00%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹30,000 – ₹2 Lakh

Tenure

6–36 mo

Processing fee

₹800–₹11,800

Fee details

Online PL via TVS Credit Saathi app up to Rs 2 lakh; PF up to 5.9% inclusive of GST; foreclosure 3.54%-7.08%; 15-day cooling period

Eligibility

Age 21–60 yrs
Min. income ₹25,000/mo
Credit score 700+
Salaried or Self-employed

Apply Now

Hero FinCorp NBFC / HFC

Interest rate

17.90% – 30.00%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Loan amount

₹50,000 – ₹7 Lakh

Tenure

1–3 yrs

Processing fee

₹1,300–₹17,500 + GST

Fee details

Minimum 2.5% + GST deducted at disbursement; foreclosure 5% + GST; EMI bounce Rs 350

Eligibility

Age 21–58 yrs
Min. income ₹15,000/mo
Credit score 725+
6+ months in current employment/business
Salaried or Self-employed

Apply Now

RBL Bank Bank

Interest rate

18.00%

p.a.

Rate verified 15 Oct 2026 · lender's rates

Other rates (1)

Pricing range - loans to individuals, Apr 2026-Jun 2026: 10.00%–20.00% p.a. (only for: Pricing range - loans to individuals, Apr 2026-Jun 2026)

Loan amount

₹30,000 – ₹5 Lakh

Tenure

1–3 yrs

Processing fee

₹600–₹10,000 + GST

Fee details

2% deducted at disbursement; fixed rate; currently offered to existing savings/salary account customers; foreclosure 5% within 18 EMIs / 3% after

Eligibility

Age 25–55 yrs
Min. income ₹25,000/mo
12+ months in current employment/business
Salaried

Apply Now

Not sure which lender fits? Check your eligibility with all 26 lenders with a single application.

Check eligibility

Rates are each lender's own published figures, checked against the lender's website on the date shown. The rate, amount and approval you are offered depend on the lender's assessment of your profile — FynnEdge does not guarantee approval, disbursal or any particular rate.

Why FynnEdge?

You could go directly to a bank. But why apply for a 3 Lakh Personal Loan through us?

One profile, many lenders

Share your details once — we match you against multiple lenders' criteria instead of you applying to each one separately.

Clear, upfront eligibility

See which lenders you're likely eligible for, with plain-language reasons, before you apply.

A fully online journey

Check eligibility, compare lenders and apply — all online, without a branch visit.

Free EMI & credit tools

Plan your EMI and check your credit score for free, before you commit to anything.

Guidance, not just a listing

We help you understand your options and why a lender is or isn't a fit — not just hand you a list.

No service charges

Comparing and applying through FynnEdge is free. Any lender fees are disclosed upfront by the lender.

What our customers say

“I was uncertain about the type of loan that would be ideal for me. The Fynnedge team, however, understood my needs, presented the alternative options, and gave me the much-needed help.”

Rahul Sharma

Delhi
“I contacted Fynnedge for help regarding the different types of personal loans available. The process went smoothly but it took quite long for the approval. Overall, it was a good experience.””

Kavita Iyer

Hyderabad
“I collaborated with Fynnedge to seek a personal loan for a specific expenditure. The process was straightforward, and the staff explained how loans functioned. The only issue was the length of the whole application process.””

Sandeep Malhotra

Chandigarh
“I was trying to decide which personal loan to go with, so I wasn’t sure what options there were and what criteria I would have to meet. The team at Fynnedge were very clear with their answers, so I knew which options would be best for me.”

Ananya Sharma

Noida, Uttar Pradesh
“I had several queries regarding personal loan amount, EMI and repayment period. The Fynnedge group addressed each of my questions.”

Priya Mehta

noida
“I have had a very happy experience with the Flexi Hybrid Term Loan. I found the process quite easy, although I did have to go through a lot of documentation as well as learn about all the terms and conditions of the loan first." ”

Rajesh Gupta

kanpur

Frequently asked questions

Does checking my eligibility affect my credit score?

No — checking eligibility on FynnEdge uses your self-reported profile and does not perform a hard credit bureau check until you explicitly consent during the application step.

Does an eligibility result guarantee loan approval?

No. Eligibility results are indicative and subject to the lender's final verification, documentation and underwriting.

What can I use a personal loan for ?

A personal loan assists during numerous anticipated and unforeseen emergencies, such as medical bills, studies, family functions, holidays, building maintenance, and acquiring domestic equipment.

What is the difference between a personal loan and a credit card loan ?

A personal loan is a loan where you get a fixed sum of money paid back through monthly payments over the stretch of time mutually agreed upon. The credit card loan can be calculated against the limit of the credit card, or the loan may be given in the form of a separate loan facility. All personal loans will have different rates of interest, repayment periods, terms and conditions, and limits, so always check the total repayment.

Can I get a personal loan without a salary slip?

Certainly, lenders are open to applications made without a salary slip, provided that other evidence of income is made available to the lender, such as a bank statement, tax returns, Form 16 or financial statements. However, the possibilities of approval and eligibility, along with processing and approvals, vary with lenders.

What is the minimum personal loan amount?

The minimum amount available depends on the lender and the loan product. Some banks offer personal loans starting at approximately ₹50,000, while certain NBFCs and digital lending platforms may provide smaller amounts. Check the minimum borrowing limit, processing fees, and repayment conditions before applying.

Updated 8 Sep 2026, 12:19 PM

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