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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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Home » » Personal Loan 2025 Top Offers In India

Personal Loan 2025 Top Offers In India

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What is Personal Loan ?
Personal loans can be generally defined as loans that don't require any collateral or security submission. They are offered based on minimal documentation, and hence it may be considered the most basic and quickest form of loan sanction. 

The purpose of personal loans is to enable the borrower to meet the needs of the hour. A personal loan is often a borrowing of a small amount of money that an individual may use for simple yet essential purposes. The most common reasons people take personal loans are as follows.

  • To consolidate debts that help pay off all other multiple debts and loans. 
  • Home renovation and remodeling purpose 
  • Emergency expenses like medical treatment, funeral charges, etc. 
  • Purchasing of vehicles for transportation 
  • Purchasing of furniture and home appliances for a more extensive household 
  • To take care of wedding expenses and other events 
  • Pursuing higher education for career progress 
  • Planning for a memorable and significant vacation 
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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

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

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

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

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

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

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

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

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

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

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

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

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