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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.

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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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

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 Key Takeaway: Best Banks for Personal Loan in 2025