Personal Loan
500K+ Monthly · ₹91 CPC
📅 June 2026 · ✍️ Karthik, Vijayawada AP · ⏱ 7 min read
Personal Loan Interest Rates 2026 All Banks Compared (Lowest Rate)
Compare personal loan interest rates from all major Indian banks in 2026. HDFC 10.5%, ICICI 10.5%, SBI 11%, Axis 10.49% — complete comparison with EMI calculator.
Personal Loan Interest Rates — All Banks June 2026
| Bank/NBFC | Interest Rate | Max Loan | Max Tenure | Min CIBIL |
|---|---|---|---|---|
| Axis Bank | 10.49% - 22% | ₹40 Lakh | 5 years | 700+ |
| HDFC Bank | 10.50% - 24% | ₹40 Lakh | 5 years | 700+ |
| ICICI Bank | 10.50% - 19% | ₹50 Lakh | 6 years | 700+ |
| Kotak Mahindra | 10.99% - 36% | ₹40 Lakh | 5 years | 720+ |
| SBI XPRESS Credit | 11.00% - 15% | ₹20 Lakh | 6 years | 700+ |
| IndusInd Bank | 10.49% - 26% | ₹50 Lakh | 5 years | 700+ |
| Bajaj Finserv | 13.00% - 38% | ₹40 Lakh | 8 years | 685+ |
| Tata Capital | 10.99% - 35% | ₹35 Lakh | 6 years | 700+ |
Personal Loan EMI Quick Reference — All Amounts
| Loan Amount | 3yr @ 10.5% | 3yr @ 15% | 5yr @ 10.5% | 5yr @ 15% |
|---|---|---|---|---|
| ₹1,00,000 | ₹3,252/mo | ₹3,467/mo | ₹2,149/mo | ₹2,379/mo |
| ₹3,00,000 | ₹9,756/mo | ₹10,401/mo | ₹6,447/mo | ₹7,137/mo |
| ₹5,00,000 | ₹16,260/mo | ₹17,335/mo | ₹10,745/mo | ₹11,895/mo |
| ₹10,00,000 | ₹32,520/mo | ₹34,670/mo | ₹21,490/mo | ₹23,790/mo |
How to Get Lowest Personal Loan Interest Rate
- 750+ CIBIL score: Non-negotiable for sub-12% rates. Check your score free at CIBIL.com or Paytm.
- Salary account at the bank: Banks offer 0.5-1% lower rate to their own salary account customers.
- Debt-to-income ratio: Total EMIs below 30% of income gets the best rates.
- Negotiate: If you have competing offers, banks often match or beat competitor rates.
- Government employee advantage: PSU bank employees, government workers get 0.5-1% concession.
Frequently Asked Questions
What is the maximum personal loan I can get in India 2026? +
Maximum personal loan: ICICI and IndusInd offer up to ₹50 lakh for top credit profiles. Most banks: ₹20-40 lakh. Eligibility typically 10-20x monthly salary. High earners (₹5L+/month) can get more.
Personal loan vs credit card EMI — which is better? +
Personal loan rate: 10.5-20%. Credit card EMI rate: 12-40%. Personal loan almost always cheaper. Exception: 0% EMI offers from credit cards for specific purchases (electronics, appliances) — these are genuinely cheaper if no processing fee.
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📅 June 2026 · ✍️ Karthik, Vijayawada✅ RBI Verified⭐ 4.8/5