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Top Personal Loan Schemes and Offers

The powerful takeaway from a personal loan scheme is the range of interest and its advancement over a period of time. Better loan procedures & AI launched apps online does accelerate your loan journey and help you avail one in minutes.

In this blog, we have a compilation of a list of a few of the most popular plans for Personal Loans in India for 2022. Read on to understand more about the unsecured personal loan categories by some of the main Indian banks that are in consideration in this blog.

Top Personal Loans Plans in India

Bank Best For Key Terms
Citibank Personal Loan Low-Interest Rate
  • Interest rates from 9.99% p.a. to 16.49% p.a.
  • Personal Loans up to Rs. 30 lakh
  • Tenure up to 5 years
HDFC Personal Loan Self-Employed Professional
  • Interest rates (rack interest) ranges from 10.5% p.a. and 21.00% p.a.
  • Personal Loans up to Rs. 40 lakh
  • Tenure up to 5 years
Kotak Mahindra Personal Loan Quick Turnaround Time
  • Interest rates starting at 10.75% p.a.
  • Loans of up to Rs.25 lakh
  • Tenure of up to 5 years
Tata Capital Personal Loan Flexible Interest Rates
  • Interest rates starting at 10.99% p.a.
  • Loans of up to Rs.35 lakh
  • Tenure of up to 6 years
Standard Chartered Personal Loan Short-term Requirement
  • Interest rates starting from 11.49% p.a.
  • Tenure of up to 5 years
  • Loan cash is at the constraint of the bank
IDFC First Personal Loan Top-Up Loans
  • Interest rate starting at 10.49% p.a.
  • Loans of up to Rs.40 lakh
  • Tenure of up to 5 years
Fullerton India Personal Loan PNB Personal Loan
  • Interest rates starting at 11.99% p.a.
  • Loans of up to Rs.25 lakh
  • Tenure of up to 60 months
IIFL Personal Loan Easy Eligibility Checks
  • Interest rates starting at 11.75% p.a.
  • Loans of up to Rs.5 lakh
  • Tenure of up to 3 years
HDBFS Personal Loan Special Offers
  • Interest rate starting at 36% p.a.
  • Loans of up to Rs.20 lakh
  • Tenure of up to 5 years
SBI Personal Loan Different Income Categories
  • Interest rate starting at 9.6% p.a.
  • Loans of up to Rs.20 lakh
  • Tenure of up to 7 years
PNB Personal Loan TAffordable Interest Rates
  • Interest rates from 8.30% p.a. onwards
  • Loans of up to Rs.20 lakh
  • Tenure of up to 7 years

Personal Loan Eligibility Criteria

Below are few of the categories that a lender would consider before sanctioning a loan application.

Bank Best For Key Terms
Age 21 years to 60 years 22 years to 55 years
Net Monthly Income Rs.15,000 Rs.25,000
CIBIL Score Above 750 Above 750
Minimum Loan Amount Rs.50,000 Rs.50,000
Minimum Loan Amount Rs.25 lakh Rs.50 lakh