Best Loans in India 2026

Compare personal loans, home loans, and education loans from India's top banks. Find the lowest interest rates and fastest approval.

Personal Loan Interest Rates Comparison

BankInterest Rate (p.a.)Loan AmountTenureProcessing FeeAction
HDFC BankHDFC Bank
10.50% - 24.00%Up to Rs 40 Lakh12-60 monthsUp to 2.50%Check Eligibility
SBISBI
11.00% - 15.00%Up to Rs 20 Lakh12-72 months1.50%Check Eligibility
ICICI BankICICI Bank
10.75% - 19.00%Up to Rs 50 Lakh12-60 monthsUp to 2.25%Check Eligibility
Axis BankAxis Bank
10.49% - 22.00%Up to Rs 15 Lakh12-60 months1.50% - 2.00%Check Eligibility
Bajaj FinservBajaj Finserv
11.00% - 26.00%Up to Rs 35 Lakh12-84 monthsUp to 3.00%Check Eligibility
Kotak MahindraKotak Mahindra
10.99% - 24.00%Up to Rs 40 Lakh12-60 monthsUp to 2.50%Check Eligibility

Home Loan Interest Rates Comparison

Bank/HFCInterest Rate (p.a.)Loan AmountMax TenureProcessing FeeAction
SBISBI
8.50% - 9.65%Up to Rs 10 CrUp to 30 years0.35% (min Rs 2,000)Apply Now
HDFC LtdHDFC Ltd
8.75% - 9.50%No upper limitUp to 30 years0.50% or Rs 3,000Apply Now
ICICI BankICICI Bank
8.75% - 9.85%Up to Rs 5 CrUp to 30 years0.50%Apply Now
Bank of BarodaBank of Baroda
8.40% - 10.65%Up to Rs 10 CrUp to 30 yearsRs 8,500Apply Now
LIC Housing FinanceLIC Housing Finance
8.50% - 10.75%Up to Rs 15 CrUp to 30 years0.50%Apply Now

EMI Calculation Guide

Your monthly EMI depends on the loan amount, interest rate, and tenure. Here is a quick reference for a Rs 10 Lakh personal loan:

3 Year Tenure at 11%

Rs 32,739/month

4 Year Tenure at 11%

Rs 25,846/month

5 Year Tenure at 11%

Rs 21,742/month

Documents Required for Loan Application

Salaried Employees

  • PAN Card and Aadhaar Card
  • Last 3 months salary slips
  • Last 6 months bank statements
  • Form 16 or ITR for last 2 years
  • Address proof (utility bill/passport)

Self-Employed

  • PAN Card and Aadhaar Card
  • ITR for last 3 years
  • Business proof (GST registration)
  • Last 12 months bank statements
  • Balance sheet and P&L statement