Fast Personal Loan
No Collateral Needed
From medical emergencies to dream vacations — get funds in 48 hours. Compare offers from 30+ lenders and choose the best rate.
Personal Loan at a Glance
Features That Make the Difference
No Collateral
Fully unsecured loan — no property, gold, or guarantor required.
Quick Approval
Get in-principle approval within minutes. Funds in 24–48 hours.
Minimal Documents
PAN, Aadhaar, 3 months salary slips, 6 months bank statement.
Balance Transfer
Already have a high-rate loan? Transfer it to save thousands.
30+ Lenders
Compare offers from top banks and NBFCs — one application, many offers.
Flexible Tenure
Repay over 12 to 84 months — choose an EMI that suits your income.
Eligibility & Documents
Check if you qualify — takes 2 minutes.
Eligibility Criteria
Required Documents
Personal Loan EMI Calculator
Adjust sliders to calculate your EMI instantly.
Loan Parameters
Your EMI Summary
Personal Loan Interest Rates
As of July 2026 — rates vary by profile. Check your personal rate →
| Lender | Interest Rate | Processing Fee |
|---|---|---|
| HDFC Bank | 10.5% – 21% | 0.5% – 2.5% |
| ICICI Bank | 10.65% – 19% | 0.5% – 2% |
| Axis Bank | 10.49% – 22% | 1% – 2% |
| Kotak Mahindra | 10.99% – 24% | 1% – 3% |
| Bajaj Finserv | 11% – 35% | 1% – 3% |
| Tata Capital | 10.99% – 28% | 0.75% – 2.5% |
Personal Loan Questions
Most banks require a minimum monthly salary of ₹20,000 to ₹25,000 for salaried individuals. NBFCs may approve for ₹15,000+ with a CIBIL score above 700. A higher income generally means a higher loan amount and better interest rate.
It is difficult but not impossible. Some NBFCs and digital lenders approve loans for scores between 650–700 at higher interest rates. If your score is below 650, it's advisable to improve it first. Use our free CIBIL check to know your score.
The loan amount depends on your monthly income, existing EMIs, CIBIL score, and employment type. Generally, lenders allow a total EMI (including the new loan) of up to 50% of your net monthly income. Use our eligibility calculator for an estimate.
Yes. After 6–12 EMIs, most lenders allow prepayment. Some charge a foreclosure fee of 1%–5% of the outstanding principal. Banks regulated by RBI cannot charge foreclosure penalties on floating-rate loans. Check your loan agreement for details.
With BharatFincred's partner lenders, in-principle approval is given within 30 minutes to a few hours for clean profiles. Final disbursal after document submission and verification takes 24–72 hours.
A personal loan gives you a lump sum that you repay over a fixed tenure. An overdraft (OD) gives you a credit limit that you can draw from and repay multiple times — you pay interest only on what you use. OD is generally better for working capital needs.
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