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HomePersonal Loan
Personal Loan

Apply for a Personal Loan up to ₹50 Lakh at 9.99%* p.a.

  • Compare offers from 30+ banks & NBFCs
  • Instant approval, disbursal in as fast as 24 hours
  • No collateral, minimal documentation

Interest from

9.99% p.a.

Loan up to

₹50 Lakh

Tenure

1 – 7 years

Apply for Personal Loan

Step 1 of 2
+91

Your data is 100% safe & secure. No impact on credit score.

Interest RatesFeaturesEMI CalculatorEligibility & DocumentsFees & ChargesFAQs

Personal Loan at a Glance

FeatureDetails
Interest Rate9.99% – 24% p.a.
Loan Amount₹50,000 – ₹50 Lakh
Tenure12 – 84 months
Processing FeeUp to 3% of loan amount
Minimum CIBIL Score700+ preferred
Disbursal Time24 – 72 hours

Personal Loan Interest Rates

Compare offers from our lending partners. Rates are indicative and depend on your profile.

LenderInterest RateLoan AmountTenureProcessing Fee
ICICI Bank10.85% onwardsUp to ₹50 LakhUp to 6 yearsUp to 2%Apply
HDFC Bank10.90% onwardsUp to ₹40 LakhUp to 6 yearsUp to ₹6,500Apply
IDFC FIRST Bank10.99% onwardsUp to ₹10 LakhUp to 5 yearsUp to 3.5%Apply
Kotak Mahindra Bank10.99% onwardsUp to ₹40 LakhUp to 6 yearsUp to 5%Apply
Axis Bank11.25% onwardsUp to ₹40 LakhUp to 7 yearsUp to 2%Apply
Tata Capital11.99% onwardsUp to ₹35 LakhUp to 6 yearsUp to 5.5%Apply

Key Features & Benefits

No Collateral

Unsecured loan — no need to pledge property or gold.

Use for Anything

Wedding, travel, medical, education or debt consolidation.

Flexible Tenure

Repay comfortably in 1 to 7 years.

Quick Disbursal

Money in your account within 24–72 hours of approval.

Personal Loan EMI Calculator

Use the sliders to see your monthly EMI and total interest.

Loan Amount₹5,00,000
50,00050,00,000
Interest Rate (p.a.)11%
530
Loan Tenure3 Years
17

Your Monthly EMI

₹16,369

Principal₹5,00,000
Total Interest₹89,297
Total Payable₹5,89,297
Apply Now

Eligibility Criteria

  • Age between 21 and 60 years
  • Salaried with minimum net monthly income of ₹15,000, or self-employed with stable income
  • Minimum 1 year total work experience
  • CIBIL score of 700 or above preferred
  • Indian resident

Documents Required

  • PAN Card and Aadhaar Card
  • Last 3 months salary slips (salaried)
  • Last 6 months bank statement
  • Form 16 / ITR for last 2 years (self-employed)
  • Passport size photograph

Fees & Charges

ParticularsCharges
Processing Fee0.5% – 3% of loan amount
Prepayment / Foreclosure0% – 5% of outstanding principal
Late EMI Payment2% – 3% per month on overdue amount
Cheque / ECS Bounce₹400 – ₹600 per instance

How to Apply for Personal Loan via Best Home Loan

  1. 1

    Fill a short form with your name, mobile number and loan requirement.

  2. 2

    Our loan expert calls you and compares offers from multiple banks & NBFCs.

  3. 3

    Choose the best offer and submit documents online.

  4. 4

    Get approval and money credited directly to your bank account.

Personal Loan — FAQs

What is the minimum CIBIL score required for a personal loan?

Most lenders prefer a CIBIL score of 700 or above. Some NBFCs may approve loans for lower scores at a higher interest rate.

How fast can I get a personal loan?

With complete documents, many lenders approve and disburse within 24 to 72 hours. Pre-approved customers can get funds even faster.

Can I get a personal loan if I am self-employed?

Yes. Self-employed individuals with a stable business income and ITR for the last 2 years can apply.

Can I prepay my personal loan?

Yes, most lenders allow part-prepayment or foreclosure after a lock-in period, sometimes with a small charge.

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