1. Intro – Personal Loan kyun aur kis time pe lena chahiye?
Personal Loan sabhi ke liye ek unsecured
loan hota hai, jismein:
- Collateral ki zaroorat nahi matlab kisi property to girvi nahi rakhna padta.
- Funds turant mil jaate hain, online me process fast
hota hai lekin offline me processin time thoda lamba hota hai to time lag
sakta hai.
- Aapka CIBIL score, income, aur employment
history ke hisaab se aapki
eligibility interest rate decide kiya jata hai.
2025 mein, RBI ne repo rate 50 bps
(0.50%) cut karke 5.50% par la diya
jis se loan interest rates mein thodi rahat mili hai— Personal loans par
bhi asar pada hai, seedha nahi par indirectly. Kyunki public aur private banks
ne apna MCLR (Marginal Cost of Funds
Based Lending Rate) kam kar diya hai,
jo retail borrowing ko sasta aur accessible bana raha hai.
2.
Loan Lene se pehle kya sochna chahiye?
- Interest Rate (p.a.)
jitna kam hoga utna hi aapka paisa bachega aur utna hi EMI kam ayega.
- Processing Fees / Charges check kare har bank ka alag alag ho sakta hai.
- Tenure yani kitne mahine aur saal tak loan chalgea
jisase aap flexible EMI planning bana sakte hai.
- Prepayment / Foreclosure Charges ka confirmation dekh le aur agreement bhi dekh le.
- Approval Time
apne hisaab se dekh le ki kis bank me kitne time me approval aa sakta hai,
proper jankari lene ke baad hi apply Karen.
- Digital/Offline Process se aap ko idea ayega ki Convenience ka kitna dhyan
diya gaya.
3.
Top Personal Loan Banks (2025) – Sabke Features
Hindi mein neechhe summary di gayi hai har bank ke:
1.
HDFC Bank
- Rate:
10.85%–21% onwards
- Loan:
₹50k–₹40L, Tenure up to 60 months.
- Processing Fee:
Up to ₹6,500
- USP:
Instant pre-approved offers, fast disbursal, trackable online application.
2.
ICICI Bank
- Rate:
10.85% onwards, max ~16.65%
- Loan:
₹50k–₹50L, Tenure up to 6 years.
- Fee:
Up to 2% processing USP: Minimal docs, high loan amount,
digital-first process.
3.
Axis Bank
- Rate:
11.25% onwards Loan: ₹50k–₹40L, Tenure up to 60 months.
- Fee:
Up to 2%.
- USP:
Instant approval, flexible tenure, digital convenience.
4.
SBI (State Bank of India)
- Rate:
10.30%–15.30%
- Loan:
₹25k–₹35L, Tenure up to 84 months.
- Fee:
1–2%, options for women & govt-employees
- USP:
Lowest public bank rate, large branch network, YONO app se pre-approved
options.
5.
IDFC FIRST Bank
- Rate:
9.99%–23.99%
- Loan:
Up to ₹10L, Tenure up to 5 years.
- Fee:
Up to 2%.
- USP:
Sabse lowest starting rate, zero foreclosure charges aur balance transfer
facility .
6.
Kotak Mahindra Bank
- Rate:
10.99% onwards
- Loan:
₹50k–₹35L, Tenure 12–72 months.
- Fee:
Up to 3%.
- USP:
Pre-approved for existing customers, easy documentation, fast processing.
7.
Canara Bank
- Rate:
10.70%–16.40%
- Loan:
Up to ₹10L, Tenure 7 years.
- Fee:
0.5% fee with waivers
- USP:
Public bank with affordable rate and balance transfer options.
8.
Bank of Baroda
- Rate:
11.05%–18.75%
- Loan:
Up to ₹20L, Tenure up to 7 years.
- Fee:
Up to 2%.
- USP:
Premium customer discounts, govt-employee friendly.
9.
Yes Bank
- Rate:
10.45%–21%
- Loan:
Up to ₹40L, Tenure up to 60 months.
- Fee:
Up to 2.5%.
- USP:
Digital-first, fast approval.
10.
NBFCs: Bajaj Finserv, Tata Capital, Aditya Birla Finance
- Bajaj Finserv Rate:
11% onwards, up to 27%
- Tata Capital Rate:
~11.50%–29.99%
- Ab Fin Rate:
10.99% onwards
- USP:
100% online, quick approval (5–10 mins), top-up & balance transfer
options.
4.
Loan Comparison Table
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5. Kaise Paaye Best Personal Loan (2025 Tips)
- Strong CIBIL Score rakho (≥750) – lowest interest rate milega, approval ke chances
badh jayege.
- Loan Pre-Approval Offers – bank ke saath agar aapki len den achhi hai to aapke existing
relationship se faayda ho sakta hai.
- Compare Total Cost
– interest rate + processing fee + insurance sabka ek cost check kare aur
dusre banks ke sathe compare Karen.
- Tenure wisely choose karo – lambe tenure mein EMI kam hota hai, lekin interest
zyada hota hai aur kam tendure me EMI kam bada ayega lekin interest me
jane wala paisa kam ho jayega.
- Zero Prepayment Charges wale options agar available ho to pehle who choose Karen, jaise
IDFC FIRST, HDFC post 1 year etc.
- Use Digital Platforms
se apps ke zariye loan instant mil jayega like Bajaj Finserv, MoneyTap,
etc.
- Avoid multiple applications se aapkay CIBIL down ho sakta hai, agar decision final
ho to hi apply Karen.
6.
RBI Repo Cut ka Asar aur MCLR Changes
- RBI ne 50 bps repo cut karke lending environment
ko support kiya Public aur private banks ne MCLR cut kiya hai, jisse
borrowing cost mein relief mila hai
- Financial Year 2025-26 mein banks lending yields around
~8.6% average expect ki ja rahi hai, jo Financial year 2024-25 (~9.5%) ke mukable kam hai
7.
FAQs – Log Frequent Puchhte Hain
❓
Q1. Lowest personal loan rate kaun deta hai?
A:
IDFC FIRST Bank 9.99% se start kar raha hai .
❓
Q2. SBI ya private bank kaun sa choose karein?
A:
SBI best hai agar branch support, low rate, govt-account offers chahte ho to.
Private banks jaise HDFC/ICICI fast digital processing aur high loan amounts
offer karte hain.
❓
Q3. Processing fee avoid karen?
A:
Kuch banks women applicants ye limited time ke liye zero processing fees offer
karte hai to fayda uthana chahiye. Pre-approved offers me fee kam hoti hai.
❓
Q4. Zero foreclosure waale?
A:
IDFC FIRST, HDFC (1 year ke baad), Bajaj Finserv zero foreclosure offer karte
hai.
❓
Q5. Gig-workers ke liye best loan?
A:
Fintech apps jaise MoneyTap, PaySense, Bajaj Finserv jaise apps se instant loan
mil jata hain, lekin interest thoda zyada hota hai.
8.
Conclusion
Aapka loan choose karte waqt sabse important hai:
- Needs
(Emergency/gig/marriage/etc.),
- Repayment capacity,
- Profile
(salaried/govt/self-employed),
- Existing banking relationship.
Best options:
- IDFC FIRST
– lowest start rate + zero foreclosure.
- SBI –
reliable PSU bank with competitive packages.
- HDFC/ICICI/Axis
– fast, high-value loans.
- Bajaj Finserv/Tata
– digital-first, instant approval for small-medium amounts.
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