Lowest Rate Starting 10.49% p.a.
Instant Paperless Personal Loans Up to ₹40 Lakhs
Whether you need urgent medical funds, wedding expenses, home renovation, or debt consolidation, LoanPatra connects you with 35+ RBI-regulated lenders with instant disbursal directly to your bank account.
Disbursal in 24 Hrs
Fast online approval
Zero Collateral
100% Unsecured
Digital KYC
Aadhaar & PAN OTP
No Hidden Costs•Flexible 1-5 Year Tenure
Transparent Comparison
Top Personal Loan Offers in India (2026)
Compare current interest rates and processing fees from our top lending partners.
| Bank / NBFC Partner | Interest Rate (p.a.) | Processing Fee | Max Tenure | Action |
|---|---|---|---|---|
| HDFC Bank | 10.50% - 14.50% | Up to 1.5% | Up to 5 yrs | |
| ICICI Bank | 10.75% - 15.00% | Up to 2.0% | Up to 6 yrs | |
| State Bank of India (SBI) | 11.15% - 14.30% | Nil - 1.0% | Up to 5 yrs | |
| Axis Bank | 10.49% - 15.50% | Up to 1.5% | Up to 5 yrs | |
| Bajaj Finserv | 11.00% - 16.00% | Up to 2.5% | Up to 8 yrs | |
| Tata Capital | 10.99% - 15.25% | Up to 2.0% | Up to 6 yrs |
Eligibility & Paperless Documentation
Clear criteria to guarantee maximum approval odds.
Who Can Apply?
Target Age21 to 58 Years
Employment TypeSalaried (Govt/Pvt) or Self-Employed
Minimum Monthly Salary₹15,000 / month
Preferred CIBIL Score650 and above
Loan Amount Range₹25,000 to ₹40,00,000
Repayment Tenure12 to 60 Months (1 to 5 Years)
100% Digital Document Checklist
Identity Proof
PAN Card (Mandatory for credit verification)
Address Proof
Aadhaar Card (via instant DigiLocker/UIDAI OTP)
Income Proof
Latest 3 months salary slips or Form 16
Bank Statements
Latest 3-6 months bank statement showing salary credit
Financial Planning Tool
Interactive Loan EMI Calculator
Accurately plan your monthly budget before applying. Adjust your desired loan amount, interest rate, and repayment tenure below.
5,00,000
₹50,000₹25 Lakh₹50 Lakh₹1 Crore
10.5% p.a.
8% (Home)10.5% (Personal)15% (Business)24%
5 Years (60 Mos)
1 Year3 Years5 Years10 Years
Popular amounts:
Estimated Monthly EMICompetitive
₹10,747/ month
Fixed monthly installment across 60 months
Principal Amount₹5,00,000
Total Interest Payable₹1,44,820
Total Payable (P + I)₹6,44,820
Principal: 78%Interest: 22%
Fast disbursal to your bank account after verification