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Personal Loan
What is Personal Loan?

A Personal Loan is a form of unsecured loan availed by individuals on the basis of specific criteria, such as level of income, employment history, credit score, and scope for repayment.

The loan is usually taken for the fulfillment of personal needs from a banking institution or a non-banking financial company (NBFC). Borrowers can use online tools available at neutral financial websites, such as the Personal Loan EMI Calculator, to assess the interest payout throughout the tenure before applying for a personal loan.

Major Home Loan providers in India*


Bank Name Floating Interest rate Per lac EMI MCLR Rates Processing Fee Prepayment Charges
SBI - State Bank Of India 8.75% - 8.90% Rs.884 - Rs.893 8.55% Special Offer : 0% (all home loan application)*. *till 31st December Nil
ICICI Bank 9.10% - 9.15% Rs.906 - Rs.909 8.80% Rs 10,000+ AT or 0.25% + AT ( Which ever is lower) N.A
HDFC Ltd 8.80% - 9.05% Rs.887 - Rs.903 16.45% Up to 1.25% of the loan amount or ₹ 3,000 whichever is higher, plus applicable taxes Nil
LIC Housing 8.85% - 9.05% Rs.890 - Rs.903 14.60% Upto 1 crore - 5000 + GST 1 crore & above - 10000 + GST Nil
Bank of Baroda 8.55% Rs.871 8.55% Upto 0.5 % of loan amount + GST N.A.
AXIS Bank 8.70% - 9.05% Rs.858 - Rs.903 8.70% Up to 1% of the Loan amount subject to minimum of Rs.10,000/- Nil
DHFL 8.70% Rs.858 18.82% RPLR Upto Rs. 20,000 + document charges + GST Nil
IDBI 8.90% Rs.886 8.85% NIL Nil
Union Bank of India 8.75% - 8.90% Rs.884 - Rs.886 8.65% 0.50% of loan amount subject to a maximum of 15000 + GST NIL
Bank of India 8.70% - 8.75% Rs.880 - Rs.884 8.55% 0.25% of loan amount Min.Rs.1,000/- and Max. Rs.20,000/- Nil
Indiabulls Housing Finance Limited 8.70% - 10.95% Rs.880 - Rs.1029 9.50% 0.50% to 1.00% + GST NIL
Corporation Bank 8.65% - 9.15% Rs.877 - Rs.909 8.65% NIL NIL
L&T Housing Finance 8.35% Rs.858 0.25% plus taxes (for salaried & for self employed) NIL
United Bank of India 8.60% Rs.874 8.80% 0.59%, Minimum Rs.1180/-; Maximum Rs.11800/- N.A
Tata capital Housing Finance ltd 8.65%(For Women) - 8.90%(For Others) Rs.877(For Women) - Rs.893(For Others) Upto 0.5% of loan amount + GST N.A
Shubham Housing Development Finance Company 12%-14%(For Salaried) - 15%-17%(For Self-employed) Rs.1101-Rs.1244(For Salaried) - Rs.1317-Rs.1466(For Self-employed) up to 3% of loan amount + GST N.A
HSBC Bank 8.65% - 8.75% Rs.877 - Rs.884 8.15% N.A Nil
Deutsche Bank 10.50% Rs.998 9.35% 12000 + Service Tax Nil
Standard Chartered 8.51% Rs.868 8.95% Rs.10000 + GST NIL
Federal Bank 8.95% - 9.20% Rs.897 - Rs.913 8.9% Upto Rs.7500 + GST N.A
Allahabad Bank 8.50% - 8.90% Rs.868 - Rs.886 8.45% N.A NIL
Central Bank of India 8.50% Rs.868 8.50% 0.50% of the Loan Amount subject to maximum Rs.20,000/- Nil
UCO Bank 8.55% - 8.80% Rs.871 - Rs.887 8.55% Nil till 30.09.2018 NIL
Canara Bank 8.65% - 8.85% Rs.877 - Rs.890 8.60% 0.50% of loan amount + GST
Kotak Bank 8.75% Rs.884 8.95% Upto 1.25% of Loan amount Nil
Dena Bank 8.50% - 8.65% Rs.868 - Rs.877 8.50% N.A Nil
Vijaya Bank 8.50% Rs.868 8.50% Upto Rs.4000 + GST N.A
Syndicate Bank 9.75% Rs.948 8.65% N.A N.A
Citibank 8.90% - 9.40% Rs.893 - Rs.926 8.45% Rs. 5000 (Application fee) NIL
PNB Housing Finance 9.00% - 9.50% Rs.900 - Rs.932 0.50% Or 10,000 + GST , whichever is higher. NIL
Oriental Bank of Commerce 8.65% - 8.75% Rs.877 - Rs.884 8.65% 0.50% of the loan amount, subject to maximum of Rs.20000/- plus GST NIL
Indian Overseas Bank 8.50% - 8.75% Rs.868 - Rs.884 8.50% 0.50 % (max. Rs.25,000/-) N.A
Indian Bank 8.60% - 9.70% Rs.874 - Rs.945 8.60% 0.230% on loan amount + GST or Max Rs.20470/- Nil
Punjab National Bank 8.65% - 8.70% Rs.877 - Rs.880 8.45% 0.50% of loan + GST NIL
State Bank of Travancore 8.30% - 8.60% Rs.855 - Rs.874 7.95% 0.35% of Loan Amount or Rs 10000 plus GST whichever is less, subject to minimum of Rs 2000 plus taxes NIL
Bank of Maharastra 8.75% - 8.95% Rs.884 - Rs.896 8.75% As per applicable Nil
Dhanalakshmi Bank 9.70% - 10.00% Rs.880 - Rs.965 9.70% 1.00% of loan amount + GST N.A
Development Credit Bank 8.50% - 16.00% Rs.868 - Rs.1391 9.72% 1.00 % of loan amount + GST Nil
DHFL Vyasa Housing Finance 9.75% - 10.25% Rs.945 - Rs.982 1% of the loan amount N.A
GIC Housing Finance 10.25% Rs.982 Rs.2500 + GST N.A
Gruh Finance Limited 8.35% - 15.05% Rs.858 - Rs.1320 Upto 1% of loan amount + GST N.A
India Infoline Housing Finance Ltd. 8.50% Rs.868 Upto 1% of loan amount + GST N.A
Karnataka Bank 8.60% - 9.00% Rs.874 - Rs.900 8.95% N.A N.A
Sundaram BNP Paribas Home Finance Ltd. 9.80% - 11.05% Rs.952 - Rs.1036 Upto 0.75% of loan amount + GST N.A
National Trust Housing Finance Ltd. 13.5% - 15.5% Rs.1207 - Rs.1354 2.50% of the amount Or Rs.5000/- N.A
Orange City Housing Ltd. 14% Rs.1244 Upto 1% of loan amount + GST N.A
Reliance Home Finance Private Ltd. 8.35% Rs.884 - Rs.1244 18.40% PLR Up to 2% + GST N.A
Repco Home Finance Ltd. 8.75% Rs.884 8.75% 1% of loan amount + GST N.A

Please Note*: The figures provided in the table above are indicative only and are subject to change from time to time.

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Disclaimer* - Information is sourced from respective Banks websites. We don't provide Loans on our own but ensures your information is sent to bank which you have opted for and we do not charge any fee from our customers. Tech Reveals has no sales team on its own and we just help you to compare loans. We do not provide any dsa of Banks. All loans are on discretion of the associated Banks