Personal Loan

Public Banks Personal Loan (updated on 23 Sep 2018)

BankInterest RateTenureExplore
Allahabad Bank13.10%Maximum Tenure 60 months Explore
Andhra Bank11.50% to 13%Contact Bank Branch Explore
Bank Of Baroda13.35% to 16.35%Maximum Tenure of 48 Months Explore
Bank Of India13% to 14%Maximum Tenure 60 months Explore
Bank Of Maharashtra12.75%Maximum Tenure 36 months Explore
Bharatiya Mahila Bank Limited12.45%Maximum Tenure of 48 Months Explore
Canara Bank12.90%Maximum Tenure of 48 Months Explore
Central Bank Of India11.40%Maximum Tenure of 48 Months Explore
Corporation Bank12.75% to 13.75%Maximum Tenure 60 months Explore
Dena Bank13% to 14%Maximum Tenure 36 months Explore
Idbi Bank12.20%Maximum Tenure 60 months Explore
Indian Overseas Bank11.80%Maximum Tenure 60 months Explore
Oriental Bank Of Commerce11.20% to 12.95% Maximum Tenure 60 months Explore
Punjab And Sind Bank12.75% to 14%Maximum Tenure 60 months Explore
Punjab National Bank11.90% to 14.90% Contact Bank Branch Explore
State Bank Of Bikaner And Jaipur12.45%Maximum Tenure of 48 Months Explore
State Bank Of Hyderabad12.45%Maximum Tenure of 48 Months Explore
State Bank Of India12.45%Maximum Tenure of 48 Months Explore
State Bank Of Mysore12.45%Maximum Tenure of 48 Months Explore
State Bank Of Patiala12.45%Maximum Tenure of 48 Months Explore
State Bank Of Travancore12.45%Maximum Tenure of 48 Months Explore
Syndicate Bank13.50%Maximum Tenure 60 months Explore
Uco Bank11.35% to 11.60%Maximum Tenure 60 months Explore
Union Bank Of India14.40%Maximum Tenure 60 months Explore
United Bank Of India13.95% to 14.20%Maximum Tenure 36 months Explore
Vijaya Bank12.50% to 13.50%Maximum Tenure 60 months Explore

Private Banks Personal Loan (updated on 23 Sep 2018)

BankInterest RateTenureExplore
Axis Bank15.50% to 24%12 to 60 Months Explore
Catholic Syrian Bank Limited12.00% to 19.00%Maximum Tenure 60 months Explore
City Union Bank Limited17.50%Max. Tenure 1 year Explore
Dhanalakshmi Bank11.68% to 15.65%Max. Tenure 60 months Explore
Federal Bank12.87% to 14.67%Maximum Tenure of 48 Months Explore
Icici Bank Limited11.59% to 22.00%Maximum Tenure 60 months Explore
Idfc Bank Limited12% to 19%Maximum Tenure 60 months Explore
Indusind Bank11% to 30.50%Maximum Tenure 60 months Explore
Karnataka Bank Limited13.95%Tenure max. upto 24 Months Explore
Karur Vysya Bank15.85% to 17.35%Tenure Max. upto 36 Months Explore
Kotak Mahindra Bank Limited11.5% to 24%Maximum Tenure 60 months Explore
Rbl Bank Limited16% to 20%Maximum Tenure 60 months Explore
South Indian Bank10.90% - 15.00%Tenure max. upto 48 Months Explore
Tamilnad Mercantile Bank Limited14.30% - 16.30%Maximum Tenure 60 months Explore
The Nainital Bank Limited14.75%Maximum Tenure 60 months Explore
Yes Bank11.99% - 20.00%Maximum Tenure 60 months Explore

Gramin Banks Personal Loan (updated on 23 Sep 2018)

BankInterest RateTenureExplore
Andhra Pragathi Grameena Bank14% to 15%12 to 60 Months Explore
Assam Gramin Vikash Bank14% to 14.25%12 to 60 Months Explore
Bangiya Gramin Vikash Bank12.25%12 to 60 Months Explore
Baroda Rajasthan Kshetriya Gramin Bank13% to 15%12 to 60 Months Explore
Baroda Up Gramin Bank15%12 to 60 Months Explore
Bihar Gramin Bank15.60%12 to 60 Months Explore
Central Madhya Pradesh Gramin Bank12.50%12 to 60 Months Explore
Jammu And Kashmir Grameen Bank14.50%12 to 60 Months Explore
Jharkhand Gramin Bank14% to 15%12 to 60 Months Explore
Kashi Gomti Samyut Gramin Bank16.50%12 to 60 Months Explore
Kaveri Grameena Bank15%12 to 60 Months Explore
Kerala Gramin Bank15%12 to 60 Months Explore
Madhya Bihar Gramin Bank13.25%12 to 60 Months Explore
Madhyanchal Gramin Bank14.75% to 16.75%12 to 60 Months Explore
Malwa Gramin Bank16.40%12 to 60 Months Explore
Manipur Rural Bank15%12 to 60 Months Explore
Meghalaya Rural Bank14%12 to 60 Months Explore
Mizoram Rural Bank14.50%12 to 60 Months Explore
Narmada Jhabua Gramin Bank12.50%12 to 60 Months Explore
Puduvai Bharathiar Grama Bank17% to 17.50%12 to 60 Months Explore
Punjab Gramin BankPlease contact bank branch12 to 60 Months Explore
Rajasthan Marudhara Gramin Bank13.95%12 to 60 Months Explore
Sarva Haryana Gramin Bank12.50% to 13%12 to 60 Months Explore
Saurashtra Gramin Bank18% to 18.50%12 to 60 Months Explore
Sutlej Kshetriya Gramin Bank12.25%12 to 60 Months Explore
Telangana Grameena Bank14% to 16%12 to 60 Months Explore
Tripura Gramin Bank12.50%12 to 60 Months Explore
Utkal Grameen Bank14.50% to 17.25%12 to 60 Months Explore
Uttar Banga Kshetriya Gramin Bank14.50%12 to 60 Months Explore
Vananchal Gramin Bank14.25%12 to 60 Months Explore
Vidharbha Konkan Gramin Bank16% to 17%12 to 60 Months Explore

Co-Operative Banks Personal Loan (updated on 23 Sep 2018)

BankInterest RateTenureExplore
Abhyudaya Cooperative Bank Limited12.50% to 13%Maximum Tenure 84 months Explore
Amanath Cooperative Bank Ltd. Bangalore13%Maximum Tenure 12 months Explore
Bassein Catholic Cooperative Bank Limited12.00%Maximum Tenure 120 months Explore
Bharat Cooperative Bank (mumbai) Ltd., MumbaiContact Nearest BranchMaximum Tenure 60 months Explore
Bharati Sahakari Bank13% to 14%Maximum Tenure 48 months Explore
Dombivli Nagari Sahakari Bank Limited11.95% to 12.25%Maximum Tenure 60 months Explore
Janakalyan Sahakari Bank LimitedContact Nearest BranchMaximum Tenure 60 months Explore
Janalaxmi Coop Bank 15.00%Maximum Tenure 60 months Explore
Janata Sahakari Bank Ltd14.00%Maximum Tenure 60 months Explore
Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited16.00%Maximum Tenure 60 months Explore
Kalyan Janata Sahakari Bank12.80% to 13.50%Maximum Tenure 60 months Explore
Kapol Cooperative Bank Limited16.50%Maximum Tenure 60 months Explore
Mahanagar Cooperative Bank13.50% to 16.00%Maximum Tenure 60 months Explore
Nagar Urban Co Operative Bank15.50%Maximum Tenure 60 months Explore
Nagpur Nagarik Sahakari Bank Limited15.50%Maximum Tenure 60 months Explore
Nkgsb Cooperative Bank LimitedContact Nearest BranchMaximum Tenure 60 months Explore
Punjab And Maharshtra Cooperative BankPlease Contact Your Nearest Branch.Maximum Tenure 60 months Explore
Rajarambapu Sahakari Bank Ltd12.00%Maximum Tenure 60 months Explore
Sangli Urban Co Op Bank Ltd Sangli15.00%Maximum Tenure 60 months Explore
Sardar Bhiladwala Pardi Pepls Co Bk12.50%Maximum Tenure 36 months Explore
The Goa Urban Co Op Bank Ltd13% to 13.50% Maximum Tenure 60 months Explore
The Karad Urban Cooperative Bank Limited14.50%Maximum Tenure 36 months Explore
The Mapusa Urban Coop Bank Of Goa Ltd15.50% to 16.50%Maximum Tenure 84 months Explore
The Mehsana Urban Cooperative Bank11.00%Maximum Tenure 60 months Explore
The Shamrao Vithal Cooperative Bank16.00%Maximum Tenure 60 months Explore
The Thane Bharat Sahakari Bank Limited14.00%Maximum Tenure 60 months Explore
Tjsb Sahakari Bank LtdPlease Contact Your Nearest Branch.Maximum Tenure 60 months Explore

Personal Loan

When you have some important expenses like a holiday trip abroad, household shifting, marriage in the family, payment of credit card bill, repayment of an existing loan, medical emergencies and many more but don't have enough money for the same, personal loan helps you to easily pay off such expenses.

Personal loans are unsecured loans offered by banks without any collateral such as your home, flat, property, etc. Personal loans are usually available at fixed interest rates where interest rates are based on your credit score. The better your credit score, the lower your interest rate and vice-versa.

Personal loans aren't cheap but expensive one. The beneficial part is that they can be easily available and their processing is very fast as compared to other types of loans like home loan, education loan, car loan, gold loan, etc.

A personal loan is offered at a higher interest rate than a secured loan due to higher risk involved as you are not asked for any collateral to ensure repayment.

These personal loans allow you to repay them from 12 to 60 months.

A personal loan may help you gain financing or pay off your bills but there a few things you should know before you take out a loan.

Banks will use your credit score to help them determine the quantum of loan, interest rate, repayment tenure and whether to offer you a personal loan.

KYC documents for Personal Loan

  • Proof of Identity (Passport / Voters ID card/ Driving License/PAN Card)
  • Address Proof (Ration card Tel/ Electricity Bill/ Lease agreement/ Passport)
  • Copy of PAN Card
  • Latest Passport size photo of the applicant (2 copies)

Income documents for Personal Loan

  • Latest salary certificate/ Last 3 months salary slips
  • Form 16/Income Tax Returns( last 2 years)
  • Last 6 months salary account statement

Risks Associated with Personal Loan

  1. If you don't repay personal loan on time, the lender bank has the right to sue you and take you to court, as it is not backed by any security.
  2. Secondly, if you feel to pay off your personal loan too early i.e. before a certain date, there may be huge penalty.
  3. Thirdly, don't lure by a false advertising and enter into a fake loan agreement.

Upcoming Bank Holidays

2018 October 02 is a bank holiday in Andaman And Nicobar Island due to Mahatma Gandhi Jayanti.
2018 October 08 is a bank holiday in Andaman And Nicobar Island due to Mahalaya Amavasye.
2018 October 16 is a bank holiday in Andaman And Nicobar Island due to Durga Puja (Mahasaptami).
2018 October 17 is a bank holiday in Andaman And Nicobar Island due to Durga Puja (Mahastami).
2018 October 18 is a bank holiday in Andaman And Nicobar Island due to Durga Puja/Ayudhapooja/Dussehra (Mahanavami/Vijaya Dashmi).
2018 October 19 is a bank holiday in Andaman And Nicobar Island due to Durga Puja/Dussehra (Vijaya Dashmi)/Kati Bihu.

Financial Calculators

Banks Loan Service

Search IFSC/MICR/ATM

 

 

 

ALL INDIA BANKS LIST
A B BANK LIMITED ABN-AMRO Bank N.V ABU DHABI COMMERCIAL BANK AIRTEL PAYMENTS BANK LIMITED
ALLAHABAD BANK American Express Banking Corp ANDHRA BANK Antwerp Diamond Bank NV
AU SMALL FINANCE BANK LIMITED AXIS BANK B N P PARIBAS BANDHAN BANK LIMITED
BANK OF AMERICA BANK OF BAHARAIN AND KUWAIT BSC BANK OF BARODA BANK OF CEYLON
BANK OF INDIA BANK OF MAHARASHTRA BANK OF TOKYO MITSUBISHI LIMITED BARCLAYS BANK
BHARATIYA MAHILA BANK LIMITED Calyon Bank CANARA BANK CAPITAL SMALL FINANCE BANK LIMITED
CATHOLIC SYRIAN BANK LIMITED CENTRAL BANK OF INDIA CHINATRUST COMMERCIAL BANK LIMITED CITI BANK
CITY UNION BANK LIMITED CORPORATION BANK DBS Bank Ltd DCB BANK LIMITED
DENA BANK DEUSTCHE BANK DHANALAKSHMI BANK EQUITAS SMALL FINANCE BANK LIMITED
ESAF SMALL FINANCE BANK LIMITED EXPORT IMPORT BANK OF INDIA FEDERAL BANK FINCARE SMALL FINANCE BANK LTD
HDFC BANK HSBC BANK HSBC BANK OMAN SAOG ICICI BANK LIMITED
IDBI BANK IDFC BANK LIMITED INDIAN BANK INDIAN OVERSEAS BANK
INDUSIND BANK JAMMU AND KASHMIR BANK LIMITED JP MORGAN BANK JSC VTB BANK
KARNATAKA BANK LIMITED KARUR VYSYA BANK KOTAK MAHINDRA BANK LIMITED Krung Thai Bank Public Co. Ltd
LAXMI VILAS BANK MASHREQBANK PSC MIZUHO CORPORATE BANK LIMITED NORTH EAST SMALL FINANCE BANK LIMITED
OMAN INTERNATIONAL BANK SAOG ORIENTAL BANK OF COMMERCE PUNJAB AND SIND BANK PUNJAB NATIONAL BANK
RBL Bank Limited SBM BANK MAURITIUS LIMITED SHINHAN BANK SOCIETE GENERALE
SONALI BANK LTD SOUTH INDIAN BANK STANDARD CHARTERED BANK STATE BANK OF BIKANER AND JAIPUR
STATE BANK OF HYDERABAD STATE BANK OF INDIA STATE BANK OF MYSORE STATE BANK OF PATIALA
STATE BANK OF TRAVANCORE SURYODAY SMALL FINANCE BANK SYNDICATE BANK TAMILNAD MERCANTILE BANK LIMITED
THE BANK OF NOVA SCOTIA THE NAINITAL BANK LIMITED UBS AG UCO Bank
Ujjivan Small Finance Bank Limited UNION BANK OF INDIA UNITED BANK OF INDIA UNITED OVERSEAS BANK LIMITED
UTKARSH SMALL FINANCE BANK VIJAYA BANK Woori Bank YES BANK
ZILA SAHAKARI BANK LTD