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What is a Personal Loan?
Personal loans are typically unsecured loans that don't require any collateral or security. They are granted with minimal documentation, making them one of the quickest and easiest loan options available.

These loans are designed to help borrowers meet immediate needs, whether for personal or financial reasons. They are generally small loans, borrowed for a range of essential purposes. Here are some common reasons people opt for personal loans:

  • Debt Consolidation: Pay off multiple debts with a single loan.
  • Home Improvement: Renovate or remodel your home.
  • Emergency Expenses: Cover medical bills, funeral charges, and other urgent expenses.
  • Vehicle Purchase: Buy a car or other transportation vehicles.
  • Furniture & Appliances: Purchase household furniture or appliances.
  • Event Expenses: Manage wedding, party, or other event-related costs.
  • Education: Fund further studies or educational programs for career advancement.
  • Vacation Planning: Save for a dream vacation or getaway.
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Please Note:

We do not provide loans directly, nor do we charge any processing or disbursement fees. We only offer comparative analysis of various loan types, including processing fees, interest rates, tenure, and prepayment charges offered by banks and NBFCs.

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Top Personal Loan Offers in India 2025 – Interest Rates, Tenure, and Charges

Are you planning to apply for a personal loan in 2025? Here’s a detailed comparison of the best personal loan offers from leading banks in India. Check interest rates, loan amounts, tenure, and processing fees to make an informed decision.

1. ICICI Bank Personal Loan 2025

  • Interest Rate: 10.50% – 19.00% per annum

  • Loan Amount: ₹50,000 – ₹25 lakh

  • Tenure: 1 – 6 years

  • Processing Fee: Up to 2.50% of the loan amount + GST

  • Key Benefit: Fast approval process and flexible repayment options

2. SBI Personal Loan 2025

  • Interest Rate: 9.60% per annum

  • Loan Amount: ₹25,000 – ₹20 lakh

  • Tenure: 60 months (including 3 months moratorium)

  • Processing Fee: Up to 1.50% of the loan amount + GST

  • Key Benefit: Lower interest rates for salaried employees

3. HDFC Bank Personal Loan 2025

  • Interest Rate: 10.25% – 17.00% per annum

  • Loan Amount: ₹50,000 – ₹40 lakh

  • Tenure: Up to 7 years

  • Processing Fee: ₹2,499 – 2.50% of the loan amount + GST

  • Key Benefit: High loan amount with competitive rates

4. Kotak Mahindra Bank Personal Loan 2025

  • Interest Rate: 10.75% per annum

  • Loan Amount: Up to ₹20 lakh

  • Tenure: Up to 5 years

  • Processing Fee: 0.99% – 2.25% of the loan amount + GST

  • Key Benefit: Quick disbursement and minimal documentation

5. IDFC First Bank Personal Loan 2025

  • Interest Rate: 10.49% – 30% per annum

  • Loan Amount: Up to ₹40 lakh

  • Tenure: Up to 5 years

  • Processing Fee: 2.50% of the loan amount + GST

  • Key Benefit: Higher loan amount with flexible tenure

6. HSBC Bank Personal Loan 2025

  • Interest Rate: 9.50% – 15.25% per annum

  • Loan Amount: No upper limit

  • Tenure: Up to 5 years

  • Processing Fee: 1% of the loan amount + GST

  • Key Benefit: Ideal for high-value loans

7. IDBI Bank Personal Loan 2025

  • Interest Rate: Floating: 8.15% p.a. onwards / Fixed: 9.50% p.a. onwards

  • Loan Amount: Up to ₹5 lakh

  • Tenure: 12 – 60 months

  • Processing Fee: 1% of the loan amount + GST

  • Key Benefit: Low interest rates with flexible tenure

8. RBL Bank Personal Loan 2025

  • Interest Rate: Starts from 14% p.a.

  • Loan Amount: ₹1 lakh – ₹20 lakh

  • Tenure: 12 – 60 months

  • Processing Fee: Up to 3.5% of the loan amount + GST

  • Key Benefit: Flexible repayment plans

9. Bandhan Bank Personal Loan 2025

  • Interest Rate: 15.90% – 20.75% per annum

  • Loan Amount: Up to ₹5 lakh

  • Tenure: 36 months

  • Processing Fee: 1% of the loan amount + GST

  • Key Benefit: Ideal for small personal loans

10. IndusInd Bank Personal Loan 2025

  • Interest Rate: 11% per annum

  • Loan Amount: Up to ₹25 lakh

  • Tenure: Up to 5 years

  • Processing Fee: 1% – 3% of the loan amount + GST

  • Key Benefit: Flexible EMI options

11. Yes Bank Personal Loan 2025

  • Interest Rate: 10.7% per annum

  • Loan Amount: Up to ₹50 lakh

  • Tenure: Up to 5 years

  • Processing Fee: ₹2,499 flat fee

  • Key Benefit: Higher loan limit with attractive interest rates

12. PNB Personal Loan 2025

  • Interest Rate: 8.90% – 14.45% per annum

  • Loan Amount: Up to ₹20 lakh

  • Tenure: Up to 72 months

  • Processing Fee: Up to 1% of the loan amount

  • Key Benefit: Low interest rates for salaried individuals

 Key Takeaway: Best Banks for Personal Loan in 2025

BankInterest RateLoan AmountTenureProcessing Fee
ICICI Bank10.50% – 19.00%₹50,000 – ₹25 lakh1 – 6 yearsUp to 2.50% + GST
SBI9.60%₹25,000 – ₹20 lakh60 monthsUp to 1.50% + GST
HDFC Bank10.25% – 17.00%₹50,000 – ₹40 lakhUp to 7 years₹2,499 – 2.50% + GST
IDFC First Bank10.49% – 30%Up to ₹40 lakhUp to 5 years2.50% + GST
Yes Bank10.7%Up to ₹50 lakhUp to 5 years₹2,499
PNB8.90% – 14.45%Up to ₹20 lakhUp to 72 monthsUp to 1% + GST

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